Race from 10 to 100k!!

[TyGuy]

Student Loan Debt:

01/12/19: $43,762
05/04/20: $21,456
11/09/20: $21,456
12/05/20: $21,456
01/02/21: $21,456
02/03/21: $21,456
03/01/21: $21,456


Net Worth:

03/04/19: -$30,065
05/04/20: $10,739
06/05/20: $18,006 ($7,267)
07/05/20: $8,594 (-$9,412)
08/05/20: $9,084 ($490)
09/01/20: $13,497 ($4,413)
10/01/20: $12,283 (-$1,214)
11/01/20: $15,692 ($3,409)
12/05/20: $19,528 ($3,836)
01/01/21: $21,735 ($2,207)
02/03/21: $21,870 ($135)
03/01/21: $23,417 ($1,547)

Continuing to move in the right direction, also expecting a large tax return to be deposited into my account this coming month.

[triple7stash]

12/28/2020 - $62,783
1/28/2021 - $67,335.21
2/28/2021 - $69,404

[shrimpwd]

	2018	2019	2020	2021	2022
January	$6,455	-	$14,460	$34,473	-
February	-	-	$14,991	$36,257	-
March	-	-	$14,632	$38,256	-
April	-	$10,960	$13,884	-	-
May	-	-	$17,011	-	-
June	-	-	$19,255	-	-
July	-	-	$20,358	-	-
August	-	-	$21,993	-	-
September	-	-	$23,312	-	-
October	-	-	$24,777	-	-
November	-	$13,466	$26,407	-	-
December	$9,518	-	$30,697	-	-

Slow and steady... And a bit boring... I'll take it!

[catorbe]

Jul 17	$6.2k
Aug 17	$6.8k
Sept 17	$8.2k
Oct 17	$9.0k
Nov 17	$9.9k
Dec 17	$11.1k
Jan 18	$12.1k
Feb 18	$13.6k
Mar 18	$15.1k
Apr 18	$16.6k
May 18	$17.7k
Jun 18	$18.5k
Jul 18	$20.2k
Aug 18	$20.8k
Sept 18	$22.2k
Oct 18	$21.7k
Nov 18	$22.5k
Dec 18	$22.4k
Jan 19	$24.7k
Feb 19	$27.2k
Mar 19	$29.3k
Apr 19	$31.3k
May 19	$31.5k
Jun 19	$33.3k
Jul 19	$35.1k
Aug 19	$36.7k
Sep 19	$38.6k
Oct 19	$40.2k
Nov 19	$42.6k
Dec 19	$44.6k
Jan 20	$49.0k
Feb 20	$46.5k
Mar 20	$42.7k
Apr 20	$47.5k
May 20	$50.6k
Jun 20	$53.5k
Jul 20	$58.5k
Aug 20	$63.0k
Sept 20	$63.2k
Sept 20	$62.9k
Nov 20	$69.9k
Dec 20	$75.0k
Jan 21	$76.2k

Feb 21: $79.0k

Right now I'm predicting ~$90k by the end of this year. Given my plans to get a new job and move across the country, I could easily exceed that or fall well short. We'll see!

Mine and yours progress is so similar over the last couple years. I'm expecting to hit $100,000 by the end of the year. So step it up! We got this! Save Save Save! :)

[LittleWanderer]

February 2020 - $35,701
March 2020 - $32,466
April 2020 - $36,157
May 2020 - $38,540
June 2020 - $39,514
July 2020 - $42,207
August 2020 - $44,045
September 2020 - $44,514
October 2020 - $45,564
November 2020 - $50,152
December 2020 - $52,356
January 2021 - $53,423

February 2021 - $54,304

Sooooo that number would have been higher had I not decided to impulse buy a new bike, but I impulse bought a new bike, so here we are.  Haha. 

[sb510]

(Start of)
Oct 2020 — $4,757
Nov 2020 — $7,823
Dec 2020 — $10,385 (Started MMM 100k challenge)
Jan 2021 — $14,012
Feb 2021 — $16,462
Mar 2021 — $19,162

I'm going to stretch my goal to $36k by this October. Great to see others progressing and moving on to the next thread :)

[mgardner88]

7/1/2020: $46,295
8/1/2020: $49,461 (+3,166)
9/1/2020: $51,488 (+2,027)
10/1/2020: $52,753 (+1,265)
11/1/2020: $53,942 (+1,189)
12/1/2020: $56,152 (+2,210)
1/8/2021: $63,512 (+7,360)
2/5/2021: $67,571 (+4,059)
3/3/2021: $70,618 (+3,047)

Almost the entire amount added this month was due to contributions. Cash flowed our roof replacement but replaced the money in savings with our tax refund. Going to keep it there as a small emergency fund. With just our contributions we could get to 100k by December. Im hoping with the markets help to reach it by October.  +24,323 added since ive been tracking. +14,466 this year.

[Serendip]

Sooooo that number would have been higher had I not decided to impulse buy a new bike, but I impulse bought a new bike, so here we are.  Haha.

I have to say...bikes are one of the best inventions! Hope you have a great time with your new bicyclette.

[hal]

Sooooo that number would have been higher had I not decided to impulse buy a new bike, but I impulse bought a new bike, so here we are.  Haha.

I have to say...bikes are one of the best inventions! Hope you have a great time with your new bicyclette.

Bikes are always a worthy investment along the way to FIRE.

(I say this as I look at increasing the number of bikes I own, hah!)

[DieHard_772]

7/1/2020: $46,295
8/1/2020: $49,461 (+3,166)
9/1/2020: $51,488 (+2,027)
10/1/2020: $52,753 (+1,265)
11/1/2020: $53,942 (+1,189)
12/1/2020: $56,152 (+2,210)
1/8/2021: $63,512 (+7,360)
2/5/2021: $67,571 (+4,059)
3/3/2021: $70,618 (+3,047)

Almost the entire amount added this month was due to contributions. Cash flowed our roof replacement but replaced the money in savings with our tax refund. Going to keep it there as a small emergency fund. With just our contributions we could get to 100k by December. Im hoping with the markets help to reach it by October.  +24,323 added since ive been tracking. +14,466 this year.

Way to go @mgardner88

I'm in a similar situation, being very close to $100k, and I am reminding myself that markets will do what they do,
and no matter what my persistence will keep pushing the needle higher.

Keep it up

[DieHard_772]

Our Investments and Savings (not including checking accounts)

9/28/18  - $22,949
10/28/18 - $23,952
11/28/18 - $27,878
1/28/19 - $28,853
2/28/19 - $31,682
3/28/19 - $32,684
4/28/19 - $35,011
5/28/19 - $35,838
6/28/19 - $38,276
7/28/19 - $40,607
8/28/19 - $40,508
9/28/19 - $42,168
10/28/19 -$42,209
11/28/19 - $44,478
12/28/19 -$46,408
1/28/20 - $49,115
2/28/20 - $50,466
3/28/20 - $48,609
4/28/20 - $55,026
5/28/20 - $59,256
6/28/20 - $60,807
7/28/20 - $64,342
8/28/20 - $65,454
9/28/20 -  $65,495
10/28/20 - $67,282
11/28/20 - $70,737
12/28/20 - $72,895
1/28/21 - $79,429
2/28/21 - $83,727  (+$4,298)

Our progress is very satisfying.  When including our checking accounts and tax accounts, we're within $5k of $100k.
It's happening. Feels great!

[kaposzta]

July 12, 2019: $66,565
Aug 1, 2019: $68,207 (+2.47%, +$1,642)
Aug 29, 2019: $69,931 (+2.53%, +$1,724)
Sept 29, 2019: $71,138 (+1.73%, +$1,207)
Oct 31, 2019: $71,517 (+0.53%, +$379)
Nov 29, 2019: $73,138 (+2.27%, +$1,621)
Jan 01, 2020: $74,276 (+1.56%, +$1,138)
Feb 06, 2020: $73,621 (-0.88%, -$655)
March 05, 2020: $74,517 (+1.22%, +$896)
No data for April, I lost my interest seeing the losses :)
May 05, 2020: $68,620 (-8.59%, -$5,897)
June 04, 2020: $70,345 (+2.51%, +$1,725)
July 02, 2020: $72,483 (+3.04%, +$2,138)
August 05, 2020: $74,655 (+3.00%, +$2,172)
Sept 03, 2020: $75,241 (+0.78%, +$586)
Oct 01, 2020: $77,551 (+3.07%, +$2,310)
Nov 05, 2020: $79,310 (+2.27%, +$1,759)
Dec 04, 2020: $81,241 (+2.43%, +$1,931)
Jan 04, 2021: $83,207 (+2.38%, +$1,931 <- same as in Nov :) )
Feb 05, 2021: $82,000 (-1.45%, -$1,207)
March 04, 2021: $81,655 (-0.42%, -$345)

I had a 77% SR in February, and I even had two domain sales totaling $653, but I had a bad month again investment-wise (-4%). No problem, it was a great opportunity again to buy cheap ETFs :) I expect an $800 referral payment from my company, and maybe we'll get the yearly bonus (~$1600-1700) with our next salary, so I hope my SR will be even better than this month.

[mgardner88]

Our Investments and Savings (not including checking accounts)

9/28/18  - $22,949
10/28/18 - $23,952
11/28/18 - $27,878
1/28/19 - $28,853
2/28/19 - $31,682
3/28/19 - $32,684
4/28/19 - $35,011
5/28/19 - $35,838
6/28/19 - $38,276
7/28/19 - $40,607
8/28/19 - $40,508
9/28/19 - $42,168
10/28/19 -$42,209
11/28/19 - $44,478
12/28/19 -$46,408
1/28/20 - $49,115
2/28/20 - $50,466
3/28/20 - $48,609
4/28/20 - $55,026
5/28/20 - $59,256
6/28/20 - $60,807
7/28/20 - $64,342
8/28/20 - $65,454
9/28/20 -  $65,495
10/28/20 - $67,282
11/28/20 - $70,737
12/28/20 - $72,895
1/28/21 - $79,429
2/28/21 - $83,727  (+$4,298)

Our progress is very satisfying.  When including our checking accounts and tax accounts, we're within $5k of $100k.
It's happening. Feels great!

Thank you @DieHard_772, you are so right about persistence. It looks like you are getting some real momentum, I keep reading the first 100k is the hardest. You are so close. Keep it up!

[mountain mustache]

10/02/2020- $14835.83
11/13/2020- $16110.56
12/11/2020- $16675.72
01/08/2021- $19310.15
01/22/2021- $20533.24
02/05/2021- $21534.62
03/08/2021- $23372.12

Moving along ok over here. Have had some unexpected medical expenses come up, so my savings is going to slow quite a bit for the rest of the year, but hopefully I will still be able to hit my goal of $30K by the end of the year.

[TerrierTown]

01 Jun 2019 NW £44,112
01 Jul 2019 NW £46,737  (+£2,625)
02 Apr 2020 NW £61,865 (+£15,128)
15 Aug 2020 NW £73,912 (+£12,047)
15 Dec 2020 NW £80,781 (+£6,869)
17 Jan 2021 NW £83,923 (+£3,142)
17 Feb 2021 NW £86,418 (+£2,495)
17 Mar 2021 NW £89,618 (+£3,200)

[catorbe]

I'm over $80,000!!!

[Rimu05]

I just graduated the Race to 10K thread so joining this one. :)

Student loan - ($24,307.94)
Credit card - ($240)


Savings - $2300
Checking - $240
401K - 31,017
Roth IRA - 1,063.71

Total -  10,073

Monthly update:

Student loan - ($24,307.94)



Savings - $2500
HSA - $3,074
Checking - $460
401K - $31,708
Roth IRA - $1,113.71

Total -  14,548

Two months later:

Student loan - ($24,307.94)



Savings - $2500
HSA - $3,525.77
Checking - $240
401K - $34,670.73
Roth IRA - $1,214.71

Total -  17,843.27

I haven't updated in a while but

Student loan - ($23,760.22)



Savings - $7300
HSA - $2955.58
Checking - $560.68
401K - $52,816.33
Roth IRA - $1,514.2

Total -  40,699.37

Goals this year: To tackle my student loans while they are at 0%. Hoping to get them to $10,000.

[Trifle]

I'm over $80,000!!!

YEAH!  Keep it rolling!

[DieHard_772]

Our Investments and Savings (not including checking accounts)

9/28/18  - $22,949
10/28/18 - $23,952
11/28/18 - $27,878
1/28/19 - $28,853
2/28/19 - $31,682
3/28/19 - $32,684
4/28/19 - $35,011
5/28/19 - $35,838
6/28/19 - $38,276
7/28/19 - $40,607
8/28/19 - $40,508
9/28/19 - $42,168
10/28/19 -$42,209
11/28/19 - $44,478
12/28/19 -$46,408
1/28/20 - $49,115
2/28/20 - $50,466
3/28/20 - $48,609
4/28/20 - $55,026
5/28/20 - $59,256
6/28/20 - $60,807
7/28/20 - $64,342
8/28/20 - $65,454
9/28/20 -  $65,495
10/28/20 - $67,282
11/28/20 - $70,737
12/28/20 - $72,895
1/28/21 - $79,429
2/28/21 - $83,727  (+$4,298)

Our progress is very satisfying.  When including our checking accounts and tax accounts, we're within $5k of $100k.
It's happening. Feels great!

Thank you @DieHard_772, you are so right about persistence. It looks like you are getting some real momentum, I keep reading the first 100k is the hardest. You are so close. Keep it up!

Thanks @mgardner88 .  The biggest surprise in this process I think has been seeing just how much it starts to add up.
Not too long ago I was on the "Racing to 10k" thread just trying together there.  Now I'm starting to fantasize about multiple SIX FIGURES, which is on its way.

[dizzy]

Oct 2019- $1000
Nov 2019- $2340
Dec 2019- $2779
Jan 2020- $5658
Feb 2020- $5539
Mar 2020- $5024
Apr 2020- $5444
May 2020- $8302  (wherein I finally got some of unemployment)
June 2020- $20864 (wherein I got more unemployment plus the EIDL)
mid July 2020- $31724 (got the rest of the backpay, woohoo!)
7/31/20- $33340
9/2/20- $36366
9/17/20 - $42978
10/2/20- $43800
10/31/20- $47854
11/11/20- $53709
12/23/20- $64158
1/8/21- $69542
3/23/21- $81890

Really thought I had stalled out, no, I guess I haven't!
I finally am getting my unemployment unlocked after a couple months, it's super goofed up now (they input wrong numbers) but at least I will get part of it.  Income should have a little boost again- some increased $, regular work opportunities.  Hopefully some gigs actually will happen for music this year too.

Getting ready to have a wedding this year (yay!!!!) which will be an expense (we are TRYING to keep it under $5k but still nice- ~125 guests in a metro area?  right....). Luckily our parents want to help.  We don't need it but dang, will appreciate it.

[Serendip]

Dec '17    18,146
Jan '18     23,607
Dec '18    48,380
Dec '19    60,746
Jan '20     63,186
May '20    62,300
June '20   63,000
July '20    58,562
Oct '20     60,900

Dec '20    62,900
Jan '21    65,400
Feb '21    67,600
Mar '21    68,750

slowly but surely..ticking upwards.
(And Hoping I don't owe too much for taxes this year!)

[shinn497]

March 19 10450 (At beginning of the month)
Apr 19     12500
May 19    14800
June 19   17031
July 19    20100
Aug 19    23300
Sept 19   26300
Oct 19     29300
Nov 19    30500
Dec 19    33800
Jan 20     37100
Feb 20     37100
March 20 38413
Apr 20     32000
May 20     37000
June 20    42500
July 20     46300
Aug 20     50200
Sept 20     53400
Oct 20       55700
Nov 20      62000
Dec 20      66300
Jan 21       71500
Feb 21       77000
March 21   80500

[catlady]

		2020	2021
25 Jan			$48 938 (+$26 476)
25 Feb			$50 686.73 (+$ 1748)
25 Mar			$52 418 (+$ 1731)
25 Sept		$11 699.98
25 Oct		$15 171.88 (+$3,471.9)
25 Nov		$17,631.78 (+$2,459.90)
25 Dec		$22,462.17 (+$4,830.39)

Spoiler: show

 Could be better, could be worse 🤷

[Rosy]

GOAL - $100K by Dec 2021

$  4,588 June 2017
$ 10,117 Dec 2017

$ 10,715 Jan 2018
$ 31,034 Dec 2018
       
$ 31,094 Jan 2019
$ 50,000 Dec 2019

$ 53,000 Jan 2020
$ 85,000 Dec 2020

$ 86,863 Jan 2021
$ 92,800 Feb 2021
$ 95,200 Mar 2021

PROJECTED April $ 97,500 - I expect to reach $100K by mid May.

2021 has been such smooth sailing it is a bit unnerving.

I will not move on to another thread since this $100K serves primarily as a cash cushion so I can sleep at night. I will be shifting to investments starting in June, perhaps look into other possibilities for monthly investments.
This 100K will remain liquid at all times, it is meant to be an untouchable cash cushion in the event SHTF or we need cash while Mr. R. transitions into retirement.
I intend to spend a bit more monthly in the future for indulgencies, but I will continue to earmark a percentage for investments of some sort, probably just Vanguard but I might play a bit as well, we'll see.

Together we have met our FI goals a while ago and Mr. R. is on track for retirement in April of 2023.
No fat fire here, but comfortable retirement - we consider ourselves fortunate, we are situated well with decent health to boot.

Thanks for all the encouragement along the way, y'all helped me find my way and stay on course.
Thank you everyone for the enlightenment, inspiration but most of all for opening my eyes for what is possible, even if you are low income.
I'll report back once more when I'm past $100K. Cheerio!:)

[triple7stash]

Tracking investing in SPN (which doesn't include roth)

12/28/2020 - $62,783
1/28/2021 - $67,335.21
2/28/2021 - $69,404
3/28/2021 - $71,869

[Stubblestache]

July 2018: £20,385
October 2018: £24,504
January 2019: £25, 295
April 2019: £33,844
July 2019: £38,667
October 2019: £38,588
January 2020: £43,260
April  2020:  £38,094
July 2020: £49,062.35
August 2020: £50,172 just over halfway! :)
Sept 2020: £55,556
Oct 2020 : £56,42
Nov 2020: £57.565 absolute hammering in the markets this month!!!
Dec 2020 : £62,368
Jan 2021 £64,542
Feb 2021 £66,616 Markets fell out a bit this week and I had a dabble in the Gamestop mania (came out unscathed but slightly up to entry).
March 2021 £67,305 - I was over 70k earlier this month! Markets have completely shit the bed. Look forward to looking back at this in X number of years and it barely even registering as a dip in the market.

April 2021 £71,137  - Some significant changes are underway. I've invested £1.5k into cryptocurrencies (roughly 2% of portfolio), I've got some fairly expensive elective surgery coming up that will put a dent in savings for the next few months AND our first child is on the way, so who knows what that means for my savings plans! :)

[regenaeb]

11/30/20 - SEP Balance $ 15524.45 + Roth $ 1770.76 - Student loan balance $ 6897.45 = $ 10,397.76
12/30/20 - SEP Balance $ 16106.09 + Roth $ 1813.94 - Student loan balance $ 6306.71 = $ 11,613.32

01/29/21 - SEP + Roth $ 20,139.02 - Student loan balance $ 5,316.32 = $ 14,822.70
02/28/21 - SEP + Roth $ 21,680.41 - Student loan balance $ 4,000.15 = $ 17,680.26
03/31/21 - SEP + Roth $ 22,823.38 - Student loan balance $ 2,994.55 = $ 19,828.83

[Tasse]

	2017	2018	2019	2020	2021
January		$12.1k	$24.7k	$49.0k	$76.2k
February		$13.6k	$27.2k	$46.5k	$79.0k
March		$15.1k	$29.3k	$42.7k	$82.6k
April		$16.6k	$31.3k	$47.5k
May		$17.7k	$31.5k	$50.6k
June		$18.5k	$33.3k	$53.5k
July	6.2k	$20.2k	$35.1k	$58.5k
August	$6.8k	$20.8k	$36.7k	$63.0k
September	$8.2k	$22.2k	$38.6k	$63.2k
October	$9.0k	$21.7k	$40.2k	$62.9k
November	$9.9k	$22.5k	$42.6k	$69.9k
December	$11.1k	$22.4k	$44.6k	$75.0k

I rearranged my table to take up less space. Who was going to tell me I had been reporting two September 2020s in a row?

More than I ever expected to have at this point. Congrats @catorbe on your similar progress. :)

[Ze Stash]

Net worth:
01/01/2019: -    109,47 €
01/02/2019:      269,41 € (+   378,88 €)
01/03/2019:      890,47 € (+   621,06 €)
01/04/2019:   1.767,70 € (+   877,23 €)
01/05/2019:   3.755,46 € (+1.987,76 €)
01/06/2019:   4.814,83 € (+1.059,37 €)
01/07/2019:   5.959,50 € (+1.144,67 €)
01/08/2019:   7.116,94 € (+1.157,44 €)
01/09/2019:   9.855,39 € (+2.738,45 €)
01/10/2019:   9.718,18 € (-    137,21 €)
01/11/2019: 10.726,98 € (+1.008,80 €)
01/12/2019: 11.773,70 € (+1.046,72 €)
01/01/2020: 12.979,27 € (+1.205,57 €)
01/02/2020: 14.363,54 € (+1.384,27 €)
01/03/2020: 15.039,09 € (+   675,56 €)
01/04/2020: 15.456,74 € (+   417,65 €)
01/05/2020: 16.903,74 € (+1.447,00 €)
01/06/2020: 17.847,51 € (+   943,77 €)
01/07/2020: 19.991,35 € (+2.143,84 €)
01/08/2020: 23.859,77 € (+3.868,42 €)
01/09/2020: 27.705,58 € (+3.845,81 €)
01/10/2020: 28.348,92 € (+   643,34 €)
01/11/2020: 29.975,77 € (+1.626,85 €)
01/12/2020: 32.157,81 € (+2.182,04 €)
01/01/2021: 37.536,36 € (+5.378,55 €)
01/02/2021: 39.128,65 € (+1.592,29 €)
01/03/2021: 43.488,25 € (+4.359,60 €)

01/04/2021: 50.227,75 € (+6.739,50 €)

Savings were roughly 1,1k. Didn't think I'd hit 50k until much later this year, but the crypto position keeps going up. Savings should be going up the next few months.

[catorbe]

	2017	2018	2019	2020	2021
January		$12.1k	$24.7k	$49.0k	$76.2k
February		$13.6k	$27.2k	$46.5k	$79.0k
March		$15.1k	$29.3k	$42.7k	$82.6k
April		$16.6k	$31.3k	$47.5k
May		$17.7k	$31.5k	$50.6k
June		$18.5k	$33.3k	$53.5k
July	6.2k	$20.2k	$35.1k	$58.5k
August	$6.8k	$20.8k	$36.7k	$63.0k
September	$8.2k	$22.2k	$38.6k	$63.2k
October	$9.0k	$21.7k	$40.2k	$62.9k
November	$9.9k	$22.5k	$42.6k	$69.9k
December	$11.1k	$22.4k	$44.6k	$75.0k

I rearranged my table to take up less space. Who was going to tell me I had been reporting two September 2020s in a row?

More than I ever expected to have at this point. Congrats @catorbe on your similar progress. :)

Thanks Tass! Now the race is really on! My goal was $100k by the end of the year but let's see who can beat their original goal by the most!

[LittleWanderer]

March 2020 - $32,466
April 2020 - $36,157
May 2020 - $38,540
June 2020 - $39,514
July 2020 - $42,207
August 2020 - $44,045
September 2020 - $44,514
October 2020 - $45,564
November 2020 - $50,152
December 2020 - $52,356
January 2021 - $53,423
February 2021 - $54,304

March 2021 - $58,321

My 401K made a big rebound.  Woo hoo!  It's weird to start to see that have more of an affect on my net worth.  Back when I didn't have as much in there, it was just a tiny blip. 

[JCGreen]

I do not include my savings to buy expensive "fun items" like new cellphone, electronics etc. as it is not very big. My checking account is also not included as it has money I will likely spend this month. Goal for 2021 is to make it to $100K. - Aiming for June

Net worth:
2017:
Dec2017:$7800
2018
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
Oct2018: $23,658
Nov2018: $23,948 (+$290)
Dec2018: $23,960 (+12)
2019
Jan2019: $27,100 (+3140)
Feb2019: $29,443 (+2343)
Mar2019: $31,603 (+2160)
Apr2019: $33,959 (+2356)
May2019: $33,933 (-$26)
Jun2019: $37,928 (+3995)
Jul2019: $39,736 (+1808)
Aug2019: $39,918 (+182)
Sep2019: $34,179 (-5739)
Oct2019: $38,091 (+3912)
Nov2019: $39,867 (+1776)
Dec2019: $43836 (+$3968)
2020
Jan2020:$45,839 (+$2003)
Feb2020:$43,345 (-$2494)
Mar2020:$39,081 (-$4264)
Apr2020:$47,551 (+$9470)
May2020:$51,613 (+$4,061)
Jun2020:$56,760 (+$5147)
Jul2020:$61,567 (+$4,807)
Aug2020:$68,102 (+$6,535)
Sep2020:$68,212(+$109)
Oct2020:$68,976 (+$763)
Nov2020:$76,790 (+$7,814)
Dec2020:$82,778 (+$5,987)
2021
Jan2021:$89,090 (+$6,321)
Feb2021:$86,608 (-$2482)

Mar2021:$98,860.10 (+$12,259.90) Quite a few good things happening here, I got a larger bonus than I was expecting that I used to pay off debt (that was counting against net worth) and the stock market made some nice gains! With a little luck, I should make it to 100k next month! We will see how it goes, going to keep on keeping on.

[Imma]

April 2019: €10094.35
May 2019: €11629.87
June 2019: €12728.63
July 2019: €13021,33
August 2019: €10363,95
September 2019: €10338.28
October 2019: €11128.59
November 2019: €11227,46
December 2019: €11991,27
January 2020: €12576,72
February 2020: €11904,39
March 2020: €10425,32
April 2020: €11830,70
May 2020: €12154,67
June 2020: €14634,19
July 2020: €15345,09
August 2020: €16444,46
September 2020: €17108,60
October 2020: €16687,93
November 2020: €17762,62
December 2020: €19386,94
January 2021: €20649.69
February 2021: €22021,64
March 2021: €22763,55

Goals for 2021:
Savings: €10.000
Investments: €25.000

@Rosy you have been such an inspiration to others too! You have already won the game, as far as I understand, so I totally get that you want to start spending a little bit more on things that make you happy. And any money left over can still go into the market.

I have been spending a bit more this month as well. I hardly ever buy clothes and certainly not new but I bought two new dresses this month - expensive dresses because they are made in Europe from sustainable fabrics. Over the past year I've probably spent about €750 on clothes, which is probably more than I've spent the last 5 years together. But all were necessary purchases (a winter coat to replace my 15-year old coat, winter shoes, a winter dress, a spring dress and a summer dress) and I just don't feel comfortable in thrift shops right now. I'll go back to buying used as soon as I get my vaccine. I still need new shoes for summer, then I'm good for the next couple of years.

I also spent quite a bit on shipping handmade Easter care packages to friends worldwide and I bought some stuff to cheer up my Easter table, although we won't have visitors: some vintage tableware. I have a small collection from inheritances/thrift shops but the new-to-me items are bought from a small, independent online shop. I paid more than the usual €1 in the thrift shop, but €25 including shipping for a whole box is still fairly acceptable. And I'm supporting a small business. Just trying to justify my Covid spending spree ;-) It's stupid but I just know my cute vintage butterdish will spark lots of joy for me.

[Dutch Comfort]

Tracking investments, emergency fund and additional pension investments (all to be used to retire together with SO!)
(not tracking company pension investments, house value and current accounts / special project savings)

15 May 2020: EUR 17,034 (started tracking)
15 December 2020: EUR 23,325

31 January 2021: EUR 24,040
28 February 2021: EUR 25,103
31 March 2021: EUR 26,263
(2021 goal: EUR 35K)

And again a steady increase. It's beginning to look a bit boring (like life in COVID times).......

[bcbaseballman]

2018                             2019                              2020                            2021
1/31: (5949.05)              1/31: 13,493.35              1/31: 44,514                 1/31: 85,576
2/28: (5288.30)              2/28: 15,766.50              2/29: 48,891                 2/28:  86,616
3/31: (4273.93)              3/31: 19,286                   3/31: 46,104
4/30: (2592.07)              4/30: 19,283                   4/30: 52,720
5/31: (629.70)                5/31: 18,676                   5/31: 55,177
6/30: 1,206.77                6/30: 22,362                   6/30: 59,720
7/31: 2,703.97                7/31: 24,646                   7/31: 65,792
8/31: 5,651.70                8/30: 27,199                   8/31: 71,970
9/31: 8,039.01                9/31: 30,664                   9/30: 72,466
10/31: 7,803.49              10/31: 33,343                 10/31: 72,288
11/30: 9,531.28              11/30: 35,249                 11/30: 80,093
12/31: 9,296.79              12/31: 39,079                 12/31: 84,002

3/31/2021: $94,099

Big jump this month but that was to be expected with stimulus payment. Will have more bills for the new how coming out here next month to most likely wont see much change next month but only time will tell on that.

Spread sheet is updated and ready to be filled in:
https://docs.google.com/spreadsheets/d/1aBcGP8d7UD2oJif5IMSY9xmi8sIcRWKYRUswL1FE-ZM/edit?usp=sharing

[shrimpwd]

	2018	2019	2020	2021	2022
January	$6,455	-	$14,460	$34,473	-
February	-	-	$14,991	$36,257	-
March	-	-	$14,632	$38,256	-
April	-	$10,960	$13,884	$47,021	-
May	-	-	$17,011	-	-
June	-	-	$19,255	-	-
July	-	-	$20,358	-	-
August	-	-	$21,993	-	-
September	-	-	$23,312	-	-
October	-	-	$24,777	-	-
November	-	$13,466	$26,407	-	-
December	$9,518	-	$30,697	-	-

Bit of a bump. I should hit 50K next month!

[hal]

Month		Invested		TNW
Aug 2020		$7,009		$44,174
Sep 2020		$11,792		$44,287
Oct 2020		$31,493		$64,283
Nov 2020		$41,577		$73,480
Dec 2020		$50,881		$81,261
Jan 2021		$57,339		$89,777
Feb 2021		$64,587		$97,514
Mar 2021		$72,121		$107,895

Exceeded $100k in TNW this month! Meeting that goal in investments seems closer and closer. We are upping our emergency fund as we have a cross country move. Tomorrow I invest about $4.5k (if I recall correctly) in our taxable. Also having a lot of fun in Google Sheets (see attached) charting the growth and seeing the (at this point, limited but still visible) impacts of compound interest. Wooh!

[mountain mustache]

10/02/2020- $14835.83
11/13/2020- $16110.56
12/11/2020- $16675.72
01/08/2021- $19310.15
01/22/2021- $20533.24
02/05/2021- $21534.62
03/08/2021- $23372.12
04/02/2021- $26218.04

Good progress over the past month thanks to the stimulus, and an extra paycheck from my side job.

[mgardner88]

7/1/2020: $46,295
8/1/2020: $49,461 (+3,166)
9/1/2020: $51,488 (+2,027)
10/1/2020: $52,753 (+1,265)
11/1/2020: $53,942 (+1,189)
12/1/2020: $56,152 (+2,210)
1/8/2021: $63,512 (+7,360)
2/5/2021: $67,571 (+4,059)
3/3/2021: $70,618 (+3,047)
4/2/2021: $74,861 (+4,243)

Second highest gains this month since I've been tracking. woohoo! almost exactly 3/4 of the way there. I love posting here because i can see progress, it can feel so slow, but im an impatient person by nature lol. Love reading everyones progress.

[sb510]

(Start of)
Oct 2020 — $4,757
Nov 2020 — $7,823
Dec 2020 — $10,385 (Started MMM 100k challenge)
Jan 2021 — $14,012
Feb 2021 — $16,462
Mar 2021 — $19,162
Apr 2021 — $21,955

Slow and steady! So glad I joined this challenge, reading everyone's progress helps to keep me on track.

[TyGuy]

Student Loan Debt:

01/12/19: $43,762
05/04/20: $21,456
11/09/20: $21,456
12/05/20: $21,456
01/02/21: $21,456
02/03/21: $21,456
03/01/21: $21,456
04/02/21: $21,456


Net Worth:

03/04/19: -$30,065
05/04/20: $10,739
06/05/20: $18,006 ($7,267)
07/05/20: $8,594 (-$9,412)
08/05/20: $9,084 ($490)
09/01/20: $13,497 ($4,413)
10/01/20: $12,283 (-$1,214)
11/01/20: $15,692 ($3,409)
12/05/20: $19,528 ($3,836)
01/01/21: $21,735 ($2,207)
02/03/21: $21,870 ($135)
03/01/21: $23,417 ($1,547)
04/02/21: $33,080 ($9,663)

Low spending this past month and my tax return was deposited, should see steady progress over the next few months.

[kaposzta]

Jan 01, 2020: $74,276
Jan 04, 2021: $83,207
Feb 05, 2021: $82,000 (-1.45%, -$1,207)
March 04, 2021: $81,655 (-0.42%, -$345)
April 01, 2021: $83,034 (+1.69, +$1,379)

I had a below-average 56% SR in March, owing to lots of book purchases (even if I bought them with a huge discount), a huge bill at the grocery store, and gifts for my family. In addition, my nerd side made me buy a Commodore VIC-20 and a Commodore C64C (both working great) with disk drive, Music Maker keys, a memory card reader, cartridges, etc. I really like them, but my total spending was about $300... Anyway, my nerd side is satisfied now, so my MMM side can now hope in a less spendy-pants future :)

On the bright side, I got my referral payment ($800), had 3 domain sales in March and 2 in April (total: $1300 + $2100 net, out of which $2100 payment is still pending), and I'll get my yearly bonus ($1700) with my next salary. My investments performed crappily again, but at least I could buy cheap ETFs again.

[dizzy]

Oct 2019- $1000
Nov 2019- $2340
Dec 2019- $2779
Jan 2020- $5658
Feb 2020- $5539
Mar 2020- $5024
Apr 2020- $5444
May 2020- $8302  (wherein I finally got some of unemployment)
June 2020- $20864 (wherein I got more unemployment plus the EIDL)
mid July 2020- $31724 (got the rest of the backpay, woohoo!)
7/31/20- $33340
9/2/20- $36366
9/17/20 - $42978
10/2/20- $43800
10/31/20- $47854
11/11/20- $53709
12/23/20- $64158
1/8/21- $69542
3/23/21- $81890
4/10/21- $88405

Hustling along...not looking forward in one way to upcoming wedding expenses, but we will have help, and earn bonus points on my credit cards (including a big ol $750 cash bonus on one of them).  Really shouldn't be much of a ding at all. 

I checked an old account and saw the BTC in it had grown few times to $577, fun find.

Also have my first music gig in a while next week, $250 for a less than one hour bar mitzvah which promises to be super awkward (they are this cultish sect and probably having a woman play trumpet is going to cause problems, but like, they didn't ask?...also we are going with the Too Many Zooz instrumentation we've dubbed "Too Many Jooz").  I have a new housecall patient and also owed some backpay from a job that got sketch (quit it and increasing hours elsewhere)

[Imma]

I crossed the €15k post-tax invested threshold today! It's amazing how fast this is going. It's 8 months since I crossed 10k and 17 months since I first crossed 7.5k. From 0 to 7.5 took nearly 4 years. I have increased my monthly contributions a little bit but most of this has been market gains. I have almost 50% unrealized gains right now and I started from 0 on January 1st, 2016, after having sold my off my old portfolio in summer 2015 to help pay for our house. We poured every last penny we had into the house because it was such a great deal, it just needed some TLC but the size and location were perfect. We took the risk even though everyone advised us against it, because we had nothing to lose. Well, that house is now also up 50% in value.

We were both hit very hard by the 2008 recession, we lost jobs, my parents lost their house, we lived in great uncertainty on a low income for years. We worked so hard to make sure we'd be financially stable by the time the next recession would hit. Well, we're 13 months into the pandemic, on a personal level Covid hit us hard, we lost people, but we're still employed and every month we just get richer and richer. Money doesn't bring happiness, they say, but it's only partially true. We've been able to process this whole situation without also having to worry about money.  It would have been a million times harder if our jobs had been insecure and we wouldn't know how to pay the rent. Instead I was able to take some PTO to grieve, and it cost me nothing, and then when I was able to pull myself together, I found a better paid job right in the middle of the pandemic, because I knew my employer was suffering. When they called me in to tell me they'd have to let me to I was able to tell them I'd already found a new job. Mr Imma is furloughed from a job he loves, and he's not looking elsewhere, because he can afford to wait this out. We are far from FI, but we do have a year's worth of expenses in the bank and good job opportunities.

[mckaylabaloney]

@Imma it has been awesome to watch your progress for the last few years. I'm totally impressed by you and so glad that the losses you've faced over the last year haven't been compounded by concerns about money.

[Rosy]

Well, la - dee - duh:) - Challenge completed - funny, how even at this level every dollar still counts.
An unexpected $600 medical insurance reimbursement, a $115 tax return, a $234 credit card reward, a $300 bonus added to my monthly savings
just put me over the top.
 
GOAL - $100K by Dec 2021 - goal reached April 20, 2021

$  4,588 June 2017
$ 10,117 Dec 2017

$ 10,715 Jan 2018
$ 31,034 Dec 2018
       
$ 31,094 Jan 2019
$ 50,000 Dec 2019

$ 53,000 Jan 2020
$ 85,000 Dec 2020

$ 86,863 Jan 2021
$ 92,800 Feb 2021
$ 95,200 Mar 2021

$100,724 April 20, 2021

Surreal..........................................................

@Imma - Congrats!
It was the same for me, the first three years to $50K were the hardest and seemed more like ten years of hard labor and emotional distress.
It is amazing how far you have come in a relatively short time.

Good luck everyone - it is satisfying and encouraging to see so many RL success stories.
We can do this!

[Trifle]

Congrats @Rosy!!  Well done!

[Serendip]

Congrats @Rosy ---such a great accomplishment!!


Here's my update.
I ended up doing much better than anticipated.  I squirrelled away money for taxes but then didn't owe as much (since I earned less this year)

Dec '17    18,146
Jan '18     23,607
Dec '18    48,380
Dec '19    60,746
Jan '20     63,186
May '20    62,300
June '20   63,000
July '20    58,562
Oct '20     60,900

Dec '20    62,900
Jan '21    65,400
Feb '21    67,600
Mar '21    68,750
Apr '21    72,858

[BobTheBuilder]

So nice to see you all making good progress. Congrats!

End of month balance: 62,299€ - 14,200€ cash and metals

We want to buy a house in 2022 so I am starting to deleverage now.
Cash and metals goal for the end of the year is >25,000€, by selling a few individual stocks when convenient and setting all extra cash aside. Also might sell the derivatives that act like gold but are not a coin :-D Letting the ETF saving plans run their course regardless.

[0tp]

Due to this crazy market and being 98% stocks, I made it past net $100K!

My rent and living expenses doubled since my roommate moved out and I wanted to give living alone a try... So rent went from $265 to $500 a month, utilities around $175 a month with internet. So overall a shift of around +$320/mo in living expenses or nearly 20% of my target yearly budget (20K/yr). Still able to target around $50K/yr in savings pre gains counting employer match.

Hard to say if it was worth it compared to looking for a rando roommate, but overall given that I live in a LCOL it's not the end of the world if I choose to do it for now. We'll see how long it lasts, I'll enjoy the privacy for now :)

On the plus side, I switched to total wireless and only paying $10/mo for cell phone (2GB data) instead of $40 with ATT.

As for my investment choice, 100% stocks seems like an ok choice at my current stage, I feel like bonds aren't necessarily safer right now.

Date                  Bank        Brokerage   401k    roth         student loans   Net
4/26/2020         4,778        32,625      68,576      20,372      -20,000       106,351
12/29/2020   2,389         19,835   52,506   16,500   -20,000       71,230
7/4/2020         4,169         9,746   30,107   11,721   -20,000       35,743
12/1/2019          11,013   0          16,159   1,054        -26,500        1,726

Hi all,

New to the forum, but been working on FIRE for the past 2 years. I graduated from college in december 2018, and started an engineering job end of january 2019, I am 25 now. I started off with pretty much no savings (< $5K), around $10K in credit card debt and ~30K in student loans, and moved to a new town to start my job. Luckily I have a killer deal for rent ($265/mo + $80-100 in utilities, due to splitting with 1 roommate), paid cash for a $3.5K car in december 2018 that's been pretty reliable (on the MMM list :)). Bought a car because I live 5-10 miles from work, work is a chemical plant so I hope I get excused for not wanting to live right next to it lol, no properties for rent nearby anyways.

Since a year before graduating I knew FIRE was one of my top goals, prior to that I did not save as much as I could have in college. Even though I went to community college I kinda spent all the extra money on weed and going out, and then once I transferred I lived in a studio for 2 years instead of having roommates. But hey at least I found this path before getting a job.

I'm making good money ($75K starting, now at $82.5K + bonus ($5K this year)), and saving a lot of it. Employer matches 5% of salary plus $5K/yr on 401K. Really started buckling down this year, maxing 401K and roth IRA in addition to investing what's left over. I'd say I earn the money, technically on call 24/7 and can be a stressful job, but average <50 hr/week. Managed to invest a lot of cash right around the COVID dip, and also refinanced my 401K to be 100% VTI equivalent right around then... Sitting at around 12% ROI for the year, all stocks.

Date                  Bank        Brokerage   401k    roth         student loans   Net
12/29/2020   2389           19835   52506   16500   -20000   71230
7/4/2020         4169            9746   30107   11721   -20000   35743
12/1/2019          11013   0          16159   1054           -26500   1726


Target NW is $500K, goal is to live off <$20K/yr. Also planning on helping mom  for her retirement (~$500/mo). Not sure what my savings rate is right now since I don't follow a budget, but I'm mostly optimized relative to my income. Based on my calculations I should reach that NW around age 30-31, but I guess a lot of things can change by then. Also goal isn't to necessary RE at that age - I'd honestly be happy doing something like baristaFIRE for a few years.

Comments on a few spending categories
- cell phone (on ATT plan,pay $40/month, in theory can cut to $20 with mint given my usage and looking at doing that soon - edit: phone isn't compatbile with mint, will probably wait for mine to be dead prior to switching)
- car use (can WFH 50% of the time, don't bike as often as I could since 5-10 miles each way is above comfort range + midwest winter). Somewhat clown, but I bike for errands ~2-3x/week in non-winter months.
-utilities: internet is $50/month for the cheapest fiber option, and then the $150 is just for electricity which is high (split between 2). It's a smallish apartment, not sure what we can do to improve significantly, but plan on doing more investigating this year. - edit: realized my electric bill is around $75/mo, remaining $75 is water, sewage and taxes.
- food: I eat a vegetarian diet which is cheap, don't eat out too frequently (~1-2x/month) since there aren't that many worthwhile options, and when I do it's fast food. My 'splurging' on food would consist of grocery store bought processed food and liquids but I've been getting better about cutting those off
- mindless consumption: I am prone to buying dumb things I don't need or will use. Getting better, and will hopefully continue being considerate for my wallet and the planet. This is where my biggest opportunity is I think (1-3K/yr), I'm going to start budgeting to better understand it.
-travel: I am sort of over travel even pre covid. I still have to travel 1-2x/yr to see family, and outside of that would probably do a vacation somewhere 1-2x/yr with my SO, but nothing expensive.
- student loans: are at 4.5%, I'd refinance but doesn't make sense with the interest/payment moratorium and political climate. As soon as those are lifted I'll probably pay off $10K and refi the remaining 10 (getting ~2.7% fixed rate refi offer on credible/MMM link), unless student loan forgiveness is picking up steam...


Pretty proud of this year, hope I can keep it up :)