Race from 10 to 100k!!

[peppermint]

01/2018: $40796.81
02/2018: $41337.51
03/2018: $42682.42

[arob54600]

November 17- 41195
December 17- 42526
January 18- 47966
February 18-47104

I went backwards this month.. IDK. Well here's to a new month!

I really like this thread, it's keeping me accountable and it's fun to keep track of progress :)

[vertkurt]

1/1= 14,705

2/1/18= 18,264

3/1/18= 21,225

[MrMustache]

Finally made it!! Just paid off the last of the credit cards which is a fantastic feeling. I do have 16500 left on my car but driving 20k miles a year so just tracking cash and not net worth.

3/1/18 - $12,000

[Hirondelle]

Good progress everyone! I like to see a lot of people in the 10k-20k range as it's very relatable and we tend to make smaller jumps than the people that are closer to graduation (though this month it was a bigger drop I guess :p)

[repman]

The median change from the spreadsheet for the month of February is 7.52%, so quite good regarding the stock downturn, congrats to all.
https://docs.google.com/spreadsheets/d/1aBcGP8d7UD2oJif5IMSY9xmi8sIcRWKYRUswL1FE-ZM/edit?pref=2&pli=1#gid=0

[L2]

The median change from the spreadsheet for the month of February is 7.52%, so quite good regarding the stock downturn, congrats to all.
https://docs.google.com/spreadsheets/d/1aBcGP8d7UD2oJif5IMSY9xmi8sIcRWKYRUswL1FE-ZM/edit?pref=2&pli=1#gid=0

that is cool. thanks for tracking.

[snoot]

                            403b             Roth IRA       Total
December 2017     21,066.48     44,192.03     65,258.51
January    2018     21,279.96     46,322.92     67,602.61   (+2344.1)
February  2018     22,087.45      50,702.37    72,789.82    (+5187.21)
March      2018     21,938.54      53,475.00    75,413.54    (+2623.72)

Finished maxing out my 2017 Roth contributions, woo hoo!

[seventytimes7]

2/1/2017   - ($6,832)
3/1/2017   -   $66
4/1/2017   - $ 6,298
5/1/2017   - $12,179
6/1/2017   - $17,418
7/1/2017   - $21,303
8/1/2017   - $28,136
9/1/2017   - $29,233
10/1/2017 - $35,076
11/1/2017 - $40,626
12/1/2017 - $44,564 NW - $20,282 LNW
1/1/2018   - $63,155 NW - $33,603 LNW
2/1/2018   - $86,749 NW - $48,144 LNW 
3/1/2018   - $95,028 NW - $50,948 LNW

[MrUpwardlyMobile]

1/12/18 - $75,103.12
1/16/18 - $83,567.53
2/1/18 - $94,138.48
2/15/18 - $91,543.60
3/4/18 - $106,647.81

We graduated!  Onward to a new thread!

[grantmeaname]

Bye! See you in the next thread!

[Serendip]

CONGRATS @grantmeaname & @MrUpwardlyMobile ..inspiring!

[MrUpwardlyMobile]

Bye! See you in the next thread!

Thank you!

[MrUpwardlyMobile]

CONGRATS @grantmeaname & @MrUpwardlyMobile ..inspiring!

. Thank you!

[grantmeaname]

CONGRATS @grantmeaname & @MrUpwardlyMobile ..inspiring!

I’m not leaving! Still another 40k to go! Just saying bye to MrUpwardlyMobile...

[lampstache]

Joining in! Investments only.

1/2017   - 34,633
2/2017   - 40,740
3/2017   - 41,346
5/2017   - 41,840
6/2017   - 45,227
7/2017   - 45,862
8/2017   - 47,377
9/2017   - 47,669
10/2017 - 50,397
11/2017 - 52,228
12/2017 - Missed this month. I blame our newborn!
1/2018   - 56,928
2/2018   - 56,241
3/2018   - 57,176

[Serendip]

CONGRATS @grantmeaname & @MrUpwardlyMobile ..inspiring!

I’m not leaving! Still another 40k to go! Just saying bye to MrUpwardlyMobile...

Oops, didn't mean to give you the boot out of this thread early @grantmeaname but consider it an early Congrats since you will be there soon :)

[dutty]

Need a big March so I can return the loan to my parents, fill up the ISA £20k allowance and leave enough to use for my business.

Squeeky bum time.

05/17   £1020
06/17   £470      (-£550 ~ -50%)
07/17   £1,590   (+£1,120 ~ +340%)
08/17   £2,080   (+£490   ~ +30%)
09/17   £7,250   (+£5,170 ~ +350%)
10/17   £12,000  (+£4,750 ~ +65%)
11/17   £12,360  (+£360 ~ +3%)
12/17   £10,800  (-£1,560 ~ -17%)
01/18   £21,300  (+£10,500 ~ +97%)
02/18  £25,500 (+£4,200 ~ +20%)

[druth]

I haven't really been updating consistently, but I'm getting super close.  Mint says 97,457.  I have been slacking a little on getting new clients for my business, so this month probably wont happen, but I've got new ones lined up already, so fingers crossed on graduating next month!

[MrUpwardlyMobile]

I haven't really been updating consistently, but I'm getting super close.  Mint says 97,457.  I have been slacking a little on getting new clients for my business, so this month probably wont happen, but I've got new ones lined up already, so fingers crossed on graduating next month!

. You can do it!!!

[gutts]

Taxable Vanguard account + 401K:

January 3, 2018 - 16.189$
February 1, 2018 - 22.190$
March 1, 2018  - 26.400$

[FI45RE]

First MMM Forum Post! Found MMM in late December 2017. Made immediate changes. Been reading the forum for awhile now...

Investments + 403b/401k:

12/2017: $38,165 (previously sitting and earning a measly 1.35% in savings) (Before investing/pre-MMM)
01/2018: $39,072
02/2018: $47,432
03/2018: $53,824 (as of 3/12)

My spreadsheet indicates that I will reach $100k by 1/1/2019

[Hirondelle]

First MMM Forum Post! Found MMM in late December 2017. Made immediate changes. Been reading the forum for awhile now...

Investments + 403b/401k:

12/2017: $38,165 (previously sitting and earning a measly 1.35% in savings) (Before investing/pre-MMM)
01/2018: $39,072
02/2018: $47,432
03/2018: $53,824 (as of 3/12)

My spreadsheet indicates that I will reach $100k by 1/1/2019

Wow! That's some big ass jumps, good job on implementing so much!

[repman]

The median change in our spreadsheet for the month of March was +8,62%, despite the downturn. Excellent work everybody (except me..hahah)

[FIRE-ing in the UK]

Long time lurker, first time poster! I love following these races, it's very inspiring.

I track quarterly, so January liquid-y goodness is at £41,916 with a total net worth of £348,747.

Is it OK to join two races!?  :)

[grantmeaname]

Twice the encouragement! Hell yes it's okay!

I admire your big stack of quids and hope to join you up at that altitude someday.

[mustache you a question]

The median change in our spreadsheet for the month of March was +8,62%, despite the downturn. Excellent work everybody (except me..hahah)

Thanks for sharing this repman, it's very cool.  Also, congrats to MrUpwardlyMobile on hitting 100k!

[FIRE-ing in the UK]

Twice the encouragement! Hell yes it's okay!

I admire your big stack of quids and hope to join you up at that altitude someday.

Why, thank you. Most of it is tied up in property though so trying to increase investments. You too will have a stash of cash higher than Jack's beanstalk :)

[MrUpwardlyMobile]

The median change in our spreadsheet for the month of March was +8,62%, despite the downturn. Excellent work everybody (except me..hahah)

Thanks for sharing this repman, it's very cool.  Also, congrats to MrUpwardlyMobile on hitting 100k!

Thanks. My net worth was like a rocket ship for 3months between end of year bonuses, a signing bonus from a new job, the federal tax refund, state tax refund and the fact I have a guaranteed return on investment in the form of paying down a huge student loan.

[Optimizer]

Hey

I would like to join. How does the tracking work? Should I write my NW into the sheets file myself or should I leave a reply here?

[Nederstash]

Aug 15: 5327 (found MMM)
Sep 15: 5775
Oct 15: 6964
Nov 15: 8551
Dec 15: 12085
Jan 16: 12700
Feb 16: 13691
Mar 16: 14818
Apr 16: 16220
May 16: 17510
Jun 16: 21149
Jul 16: 22024
Aug 16: 23325
Sep 16: 24285
Oct 16: 25400
Nov 16: 26932
Dec 16: 31121
Jan 17: 31444
Feb 17: 42849
Mar 17: 43989
Apr 17: 45143
May 17: 46766
Jun 17: 49646
Jul 17: 52567
Aug 17: 54267
Sep 17: 54565
Oct 17: 68832
Nov 17: 70574
Dec 17: 72864
Jan 18: 73227
Feb 18: 74628

Mar 18: 75981

[aoedae]

March 14 2018 - NW £41703.38
(Includes cash, S&S ISA, LISA, Pension)

[Hirondelle]

Hey

I would like to join. How does the tracking work? Should I write my NW into the sheets file myself or should I leave a reply here?

Usually you can just post it here. The sheets file is quite new so if you want you can also add it there to get the fancy calculations for our cohort like Repman has made them.

[Optimizer]

Alright then I'm in!
One day I'll meet the first ones in the graduate page.

"Starting" NW in USD: 17,538 $

I hope to make some nice gains even though I still study and life isn't very stable. Last fall I moved to Germany and gonna come to US for a semester in August. In addition to working I am able to leverage 1) scholarships and 2) lower cost of living for students.

[lexde]

Hi everyone! First post in this thread and I’m kind of amazed I’m even here. 100k seems so daunting. I have no idea what my goal timeline should look like to reach 100k NW. My NW seems to be climbing at about 2.5k per month on a 70k salary. At that rate, I’m looking at 40 months (3.34 years) but I feel like compounding should help significantly with that once I start to get some momentum going. So I’ll aim for 100k in 24 months as a stretch goal!



3/15/2018: $12,926.94

[marielle]

Hi everyone! First post in this thread and I’m kind of amazed I’m even here. 100k seems so daunting. I have no idea what my goal timeline should look like to reach 100k NW. My NW seems to be climbing at about 2.5k per month on a 70k salary. At that rate, I’m looking at 40 months (3.34 years) but I feel like compounding should help significantly with that once I start to get some momentum going. So I’ll aim for 100k in 24 months as a stretch goal!

3/15/2018: $12,926.94

You're on a really similar pace with me! I started with around -$29k in Aug 2016, now I'm at positive $14k. I try to aim for $2.5k/month as well. Salary is a little lower, $60k (should be getting a small raise soon), but I'm in a LCOL area which helps a lot. You'll probably surpass me though. Especially if I have to buy a car, which I expect could be any day now. I haven't been including my car in my net worth (which is probably worth less than $1500 as is).

[vertkurt]

Hi everyone! First post in this thread and I’m kind of amazed I’m even here. 100k seems so daunting. I have no idea what my goal timeline should look like to reach 100k NW. My NW seems to be climbing at about 2.5k per month on a 70k salary. At that rate, I’m looking at 40 months (3.34 years) but I feel like compounding should help significantly with that once I start to get some momentum going. So I’ll aim for 100k in 24 months as a stretch goal!

3/15/2018: $12,926.94

Congrats on paying off the loans and graduating the 10k thread! I also save around 2.5k per month, so we should graduate from this thread at roughly the same time. Keep it up!

[M5]

Just graduated from the previous thread! Like a few others on here our NW seems to climb around 2-2.5k per month, so it'll be nice to have others in a similar situation. We don't own our primary residence and are only using the equity from our rental property and our liquid investments for our NW calculations.

3/15/18: $12,315.65

[adamsputnik]

Progress has been.....rubbish.

1/18/18 - 18,350.00
3/15/18 - 20,267.70

Recent vacation and the damn cat are to blame. Should look better next month!

[dolladoll]

I want to join!  I have been a lurker for a while.  I remember looking at this thread a couple years ago and feeling like hitting 100k would be crazy far away so I didn't even bother to track (silly me).

01/2017 - 34,422
02/2017 - 34,751
03/2017 - 36,638
04/2017 - 34,824 (bought a guitar)
05/2017 - 38,767
06/2017 - 40,531
07/2017 - 40,076 -new HVAC system & found out we're pregnant! - (aka you'll notice major savings motivation after this month)
08/2017 - 42,783
09/2017 - 45,991
10/2017 - 49,300
11/2017 - 53,685
12/2017 - 59,161
01/2018 - 63,584
02/2018 - 66,854

Should hit 70k this month!

[Serendip]

Welcome everyone--I am pretty new here as well, just been making progress since December when I snapped out of my spending coma.
It's encouraging to have a bunch of us with a similar savings rate..I have been working extra so might not have this savings rate all year but would love to see where I can land by the end of 2018.

Dec 18/17     18,146
Jan 03/18     20,624
Jan 19/18     23,607
Feb 06/18     25,073
Feb 20/18     27,000
Mar 16/18     28,600 

 (*need to stop saving in my accounts and focus on stashing extra for taxes since I made more than expected last year.  Will owe more than I have paid in installments--so far have a baby stash of $1500 for this and feel like I need to get up to at least $3000 to cover my bases-eegads)

[StiffUpperLip]

Jan 18:
SIPP (Self Invested Personal Pension, Mr and Mrs)= £23,150
Emergency Fund (Cash) = £16,500

Total = £39,650

March 18
SIPP (Self Invested Personal Pension, Mr and Mrs)= £26,648
Emergency Fund (Cash) = £18,156

Total = £44,804

[twistedfirestarter]

£24,041 Apr '17
£26,105 May '17
£28,229 Jun '17
£31,961 Jul '17
£34,902 Aug '17
£37,596 Sep '17
£41,756 Oct '17
£45,885 Nov '17
£49,200 Dec '17
£53,000 Jan '18
£55,765 Feb '18

£58,840 Mar '18

On track for $100,000 by July and £100,000 by Feb '19, want to hit this by EOY 2018, need to make some changes.

[zygote]

Hello! I am new to MMM. I'm 28, recently married, and we maintain separate finances. The goal is to be in a strong financial position to maintain flexibility in the future, not necessarily RE. I have a job that I love with amazing benefits, so I am not in a hurry to retire. But as you all know, that could always change.

I have always lived below my means in that I have never held any debt, but I've never really saved. I was a grad student living on a lean stipend in a HCOL city until a year and a half ago. I'm still in the same HCOL city, but now I have a real salary, a defined contribution retirement plan, and access to 403b and 457 accounts.

Current net worth: $48,533.91
Breakdown below...
Cash: $17,747.04
Retirement plan: $18,702.39
403b: $679.16 (Just opened this 1/1/18)
Roth IRA: $11,736.04 (Did not open this until 2016 tax year)
Credit card: -$330.72 (Use this for normal expenses, pay off in full every month)

I was over $50k a week ago, but of course the stock market is going down at the moment. Shares on sale!

[L2]

Hello! I am new to MMM. I'm 28, recently married, and we maintain separate finances. The goal is to be in a strong financial position to maintain flexibility in the future, not necessarily RE. I have a job that I love with amazing benefits, so I am not in a hurry to retire. But as you all know, that could always change.

I have always lived below my means in that I have never held any debt, but I've never really saved. I was a grad student living on a lean stipend in a HCOL city until a year and a half ago. I'm still in the same HCOL city, but now I have a real salary, a defined contribution retirement plan, and access to 403b and 457 accounts.

Current net worth: $48,533.91
Breakdown below...
Cash: $17,747.04
Retirement plan: $18,702.39
403b: $679.16 (Just opened this 1/1/18)
Roth IRA: $11,736.04 (Did not open this until 2016 tax year)
Credit card: -$330.72 (Use this for normal expenses, pay off in full every month)

I was over $50k a week ago, but of course the stock market is going down at the moment. Shares on sale!

Welcome to the club!

[Hirondelle]

Oct 2017 EUR 13400,-
Nov 2017 EUR 13900,- (+500)
Dec 2017 EUR 14300,- (+400)
Jan 2018 EUR 16000,- (+1700)
Feb 2018 EUR 17050,- (+1050)

Bad month due to market dip + a €400 holiday to Italy.

Edited; I just realized I forgot a 1000 that I have invested elsewhere. So that's actually an AMAZING month, not even close to bad. I don't even understand how that's possible.

Oct 2017 EUR 13400,-
Nov 2017 EUR 13900,- (+500)
Dec 2017 EUR 14300,- (+400)
Jan 2018 EUR 16000,- (+1700)
Feb 2018 EUR 17050,- (+1050)
Mar 2018 EUR 17300,- (+250)

Mehh due to lots of one-off expenses and my stocks are down. Still a little + though.

[spaniard999]

So happy to post this!

Jul 17  $67,374.44
Aug 17  $69,968.83
Sept 17  $73,228.83
Oct 17  $78,704.67
Nov 17  $80,862.22
Dec 17  $87,716.75
Jan 18  $92,747.41
Feb 18 $98,493.89
Mar 18 $104,485.65


Made it!!! Moving up to another race!

[Trifle]

So happy to post this!

Jul 17  $67,374.44
Aug 17  $69,968.83
Sept 17  $73,228.83
Oct 17  $78,704.67
Nov 17  $80,862.22
Dec 17  $87,716.75
Jan 18  $92,747.41
Feb 18 $98,493.89
Mar 18 $104,485.65


Made it!!! Moving up to another race!

Congratulations!!  You are totally kicking ass, and in a down market too.  Very nicely done!  Now go light up the next thread.  :)

[LittleWanderer]

November 2017 - $10,267
December 2017 - $11,208
January 2018 - $10,713
February 2018 - $11,869

March 2018 - $14,175

[Nederstash]

So happy to post this!

Jul 17  $67,374.44
Aug 17  $69,968.83
Sept 17  $73,228.83
Oct 17  $78,704.67
Nov 17  $80,862.22
Dec 17  $87,716.75
Jan 18  $92,747.41
Feb 18 $98,493.89
Mar 18 $104,485.65


Made it!!! Moving up to another race!

Well done!!