Race from 10 to 100k!!

[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
30 April 2021: EUR 27,109
31 May 2021: EUR 30,039
30 June 2021: EUR 30,721
31 July 2021: EUR 31,784
(2021 goal: EUR 35K)

Nice and steady increase. Next month will be a challenge since we will go on a 2 week holiday. Although we will not leave the country, there will be extra spending.....

@Tass : you will get there. I'm with you in the slow camp and we CAN do it on smaller paychecks. It is really possible! As long as we see the numbers going up, there is a win.

[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
April 2021: €23866,70
May 2021: €25689.77
June 2021: €25659.61
July 2021: €26434.48

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

Nothing special this month. Still going in the right direction. Did spend some extra money on fun things because it's summer and I want to enjoy life for a bit. But it's not like I bought a boat or something. My splurges include buying a new bikini (a nice fitted one, not one of those cheap tie string bikini's) a few books and a new pair of boots for winter.

[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                 3/31: 94,009
4/30: (2592.07)              4/30: 19,283                   4/30: 52,720                 4/30: 96,128
5/31: (629.70)                5/31: 18,676                   5/31: 55,177                 5/31: 95,056
6/30: 1,206.77                6/30: 22,362                   6/30: 59,720                 6/30: 96,201
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
Gain: 15,245.84                         29,783                            44,943

7/31/2021: 97,017

Keep moving forward. We have our old house under contract to sell and will have it sold this month. At that point we should break the 100k mark!


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

[LittleWanderer]

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
April 2021 - $61,745
May 2021 - $62,978
June 2021 - $62,595

July 2021 - $64,082

I forgot to update last month, but I'm still chugging along slowly!

[Imma]

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
April 2021 - $61,745
May 2021 - $62,978
June 2021 - $62,595

July 2021 - $64,082

I forgot to update last month, but I'm still chugging along slowly!

You're still doing great! Slow but steady wins the race. Especially to those of us with "normal" wages, having this kind of money is life-changing. I mean, look at @Tass are you still a PhD student? How many PhD students have that kind of money? It will give you so many options even at the beginning of your career.

[TyGuy]

Student Loan Debt:

01/12/19: $43,762
05/04/20: $21,456
11/09/20: $21,456
05/04/21: $21,456
06/01/21: $21,456
07/03/21: $21,456
08/02/21: $21,456 (Loans have remained in forbearance)


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)
05/04/21: $36,424 ($3,344)
06/01/21: $39,976 ($3,552)
07/03/21: $47,349 ($7,373)
08/02/21: $52,292 ($5,044)


Happy to reach the 50K milestone and then some this past month! I should be graduated from this thread sometime around this time next year. Congratulations to everyone else that has reached major milestones this past month too!

[shinn497]

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
Apr 21   83500
May 21   88000
June 21 91000
July 21 95000
Aug 21 97000

Getting so close to graduating! Maybe next month but def by  october!

[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
5/2/21- $94414
7/21/21- $93777.25
8/4/21- $97766

Had a few gigs, also got a bonus unexpectedly and a promotion.  I legit have never gotten either before in my life (most of the jobs I work it's not really possible).  Seriously considering to leave one of my jobs since I am in over my head with wedding stuff/music gigs/working 6 days a week.  Hard decisions to make but grateful I have the possibility to leave something and be financially still better than ever.  I guess I won't put in my notice until at least I graduate here...two weeks fingers crossed!!!

Also excited since one of my goals is having at least $50k stashed towards tax bomb for student loans in 2035 (based on current plan/legislation).  I realized that $22000 of my investments are for that so feeling better now about quitting one 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)
5/5/2021: $80,447 (+5,586)
6/7/2021: $84,957 (+4,510)
7/6/2021: $90,092 (+5,135)
8/5/2021: $96,511 (+6,419)

Second highest month to date, due to the child tax credit payment we received in July. Our dog had to have emergency surgery, bill hasnt come for that yet but I expect it to take a nice chunk out of our "emergency fund". Depending on the outcome of that we might be reaching 100k by September instead. :)

[Tasse]

@Tass are you still a PhD student? How many PhD students have that kind of money? It will give you so many options even at the beginning of your career.

I am still a PhD student! I hope not for that much longer. I have heard a former student talked about with awe for graduating with $30k saved and I definitely smile quietly to myself when I hear that. (To be fair, that was also 15 years ago and he graduated much faster than I did.)

Aiming for FI (and having a partner on board) definitely makes me feel a lot of freedom in choosing what I want to do next. I know empirically that I don't need to make a huge paycheck, and I also know exactly how much freedom a big paycheck will buy me if I do make one.

[la Condessa]

I'd like to join in, but how are most people calculating?


Our cash savings plus investments I'm actively working on include:

EF cash: $3,500

Vanguard Roth IRA: $7,517.95

Robinhood: $94.48

= $11,112.43


There's also about $44,000 in the retirement account from my husband's old job, but I usually ignore that since we won't have access to those funds until well after I hope we can retire.

And we have 529 accounts and savings accounts we are using for saving up towards being able to help our kids with college/other launching into adulthood expenses.  Those add up to over $14,000, but we won't be using any of that for our retirement.

And we have a mortgage (our only debt) at $212,000.


So are we going by total net worth or retirement savings?

[DieHard_772]

I'd like to join in, but how are most people calculating?


Our cash savings plus investments I'm actively working on include:

EF cash: $3,500

Vanguard Roth IRA: $7,517.95

Robinhood: $94.48

= $11,112.43


There's also about $44,000 in the retirement account from my husband's old job, but I usually ignore that since we won't have access to those funds until well after I hope we can retire.

And we have 529 accounts and savings accounts we are using for saving up towards being able to help our kids with college/other launching into adulthood expenses.  Those add up to over $14,000, but we won't be using any of that for our retirement.

And we have a mortgage (our only debt) at $212,000.


So are we going by total net worth or retirement savings?

@la Condessa , it's really up to you :). Personally, I track our investments and savings on here, leaving out the most liquid cash.  I don't think you can go wrong tracking some aspect of your financial picture to grow to SIX FIGURES

Good luck.

[mgardner88]

I'd like to join in, but how are most people calculating?


Our cash savings plus investments I'm actively working on include:

EF cash: $3,500

Vanguard Roth IRA: $7,517.95

Robinhood: $94.48

= $11,112.43


There's also about $44,000 in the retirement account from my husband's old job, but I usually ignore that since we won't have access to those funds until well after I hope we can retire.

And we have 529 accounts and savings accounts we are using for saving up towards being able to help our kids with college/other launching into adulthood expenses.  Those add up to over $14,000, but we won't be using any of that for our retirement.

And we have a mortgage (our only debt) at $212,000.


So are we going by total net worth or retirement savings?

I calculate retirement/investments/small cash savings but I leave out home equity as we plan on staying where we are and not cashing out that equity anytime soon.

[TyGuy]

@mgardner88 @dizzy @shinn497

You all are inches from the finish line, I'm happy for you all, hopefully a congratulations will be in store for all of you next month!!

[Manchester]

Had possibly my best month ever I think.

My N/W grew by £2,846.97 to a new total of £54,453.44.  I've already surpassed the total increase in my N/W in 2020 which, considering it's August feels crazy (although I can blame COVID for last year).

I got married last month, which was amazing.  Now that's out the way I was hoping to boost my savings.  But we've been very lucky and should be expecting a baby next Spring - so I guess we have a new 'thing' to save towards.  Exciting times and even though my N/W is modest compared to the majority on this forum, it's given me the platform to increase my happiness and reduce stress.  I have no financial concerns whatsoever.

[Trifle]

Had possibly my best month ever I think.

My N/W grew by £2,846.97 to a new total of £54,453.44.  I've already surpassed the total increase in my N/W in 2020 which, considering it's August feels crazy (although I can blame COVID for last year).

I got married last month, which was amazing.  Now that's out the way I was hoping to boost my savings.  But we've been very lucky and should be expecting a baby next Spring - so I guess we have a new 'thing' to save towards.  Exciting times and even though my N/W is modest compared to the majority on this forum, it's given me the platform to increase my happiness and reduce stress.  I have no financial concerns whatsoever.

Fantastic update.  Congratulations @Manchester!   

[Manchester]

Thank you @Trifele

It's still very early days, so I'm trying not to get too excited.  :-)

[Imma]

Congratulations @Manchester , that's great news! I think you've mentioned wanting to start a family asap after marriage, I'm so happy for both of you that it happened so quickly. And I'm glad to hear you're starting this exciting new part of your life without any kind of financial stress.

I think all of us Europeans make slower progress than the members from the other side of the Atlantic, but we have to keep in mind our societies are so different. Our wages are lower but we don't have to worry as much about catastrophic life events. I'm pretty sure you're doing fantastic compared to the median of your age category in the UK. And honestly, probably compared to your parents' age category too.

[Manchester]

Congratulations @Manchester , that's great news! I think you've mentioned wanting to start a family asap after marriage, I'm so happy for both of you that it happened so quickly. And I'm glad to hear you're starting this exciting new part of your life without any kind of financial stress.

I think all of us Europeans make slower progress than the members from the other side of the Atlantic, but we have to keep in mind our societies are so different. Our wages are lower but we don't have to worry as much about catastrophic life events. I'm pretty sure you're doing fantastic compared to the median of your age category in the UK. And honestly, probably compared to your parents' age category too.

Thanks Imma!
When our original date was pushed back a year the thing we were most upset about was the delay to starting our family.  We just presumed it could take months/years of trying before it happened. 

Yes, we definitely make slower progress this side of the pond!  But we have better welfare/health services/state pensions than our US counterparts, so it's swings and roundabouts I guess. 

I don't think half of my school friends will get to a £50k N/W at any point in their lives.  They just don't have the right mentality.  Going off this link https://www.bbc.co.uk/news/uk-48759591 My personal net worth is similar to an 'average family aged between 31-40'.  If I did mine and my wife's combined with house included it would be closer to families in their 50s!

So we're doing pretty well compared to average.  Let's revisit that in a year though when I find out how expensive babies are!  :D

I hope you're doing well?

[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
Dec 2020 : £62,368
Jan 2021 £64,542
Feb 2021 £66,616
March 2021 £67,305
April 2021 £71,137 
May 2021 £75,325
June 2021 £73,732
July 2021 £80,163
August 2021 £82,015

September £87,420

[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
Apr '21    72,858
May '21   75,068
June '21  77,013
July '21   79,020
Aug '21   82,801

Over 80k! (and also managed to pay off a small line of credit this month :) ) I will have to curb savings for the next few months in order to catch up on tax instalments but feels great to get to a new milestone.

[Serendip]

I think all of us Europeans make slower progress than the members from the other side of the Atlantic

Even comparing on one side of the ocean allows for vast differences.

Yes, and there are even significant differences between us in North America since most Canadians don't have to worry as much about health-care costs (but likely have a different tax situation in orders to compensate for that)

 

[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
4/28/2021 - $77,861
5/31/2021 - $79,885
6/30/2021 - $82,843
7/28/2021 - $85,130
8/29/2021 - $87,558

[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	$52,533	-
June	-	-	$19,255	$54,094	-
July	-	-	$20,358	$55,927	-
August	-	-	$21,993	$58,821	-
September	-	-	$23,312	$67,274	-
October	-	-	$24,777	-	-
November	-	$13,466	$26,407	-	-
December	$9,518	-	$30,697	-	-

Feels a bit unreal...

[Imma]

Congratulations @Manchester , that's great news! I think you've mentioned wanting to start a family asap after marriage, I'm so happy for both of you that it happened so quickly. And I'm glad to hear you're starting this exciting new part of your life without any kind of financial stress.

I think all of us Europeans make slower progress than the members from the other side of the Atlantic, but we have to keep in mind our societies are so different. Our wages are lower but we don't have to worry as much about catastrophic life events. I'm pretty sure you're doing fantastic compared to the median of your age category in the UK. And honestly, probably compared to your parents' age category too.

Thanks Imma!
When our original date was pushed back a year the thing we were most upset about was the delay to starting our family.  We just presumed it could take months/years of trying before it happened. 

Yes, we definitely make slower progress this side of the pond!  But we have better welfare/health services/state pensions than our US counterparts, so it's swings and roundabouts I guess. 

I don't think half of my school friends will get to a £50k N/W at any point in their lives.  They just don't have the right mentality.  Going off this link https://www.bbc.co.uk/news/uk-48759591 My personal net worth is similar to an 'average family aged between 31-40'.  If I did mine and my wife's combined with house included it would be closer to families in their 50s!

So we're doing pretty well compared to average.  Let's revisit that in a year though when I find out how expensive babies are!  :D

I hope you're doing well?

Yes, I'm certainly doing well! A bit of pandemic fatigue like everyone else I suppose. The pandemic forced me to change careers, but I started a much better paid job with much better benefits about a year ago. It also turns out I have more a natural talent for this type of job than for my previous work, which was a pleasant surprise. I've been working non-stop since then and I could use a few weeks off right now.

With all the insecurities in the world, I'm glad I followed the "sensible" path and built up some net-worth early in life. We lived a sort-of boring life in our 20s, but we are pretty much "rich" in our 30s now. I have a degree but I took evening classes while working instead of the normal university experience. I borrowed some money to pay tuition and books but when I got my degree my student loan was €4500. We bought a former council home when I was 24. It wasn't fancy but we owned it. Our income has tripled since we bought it and the value has more than doubled and recently we've been able to save a lot. We're in the richest 25% in our age category and that's without inherited wealth or excessive salaries. 2021 will be the first year we're going to have an above-average income.

We didn't do any work on our home when we bought it, except for painting, but we are going to do it up next year. And we're going to loan money for it. Hold your facepunches until you've finished reading. It hasn't been upgraded since 1980 and stuff has stopped working and we're getting leaks etc. So it's necessary. And our bank is willing to loan us the money at 0,9%. So we're getting a nice new bathroom and kitchen and an extension, and we'll upgrade the insulation significantly so our energy use will go down by at least half. Bank was willing to give us about €300.000 based on income and LTV but we thought that was a bit excessive for a two-up two-down :) .

A few years ago I would never have taken on a debt to make my house more "fancy". But this debt is practically free, we're pretty terrible at DIY and we both work a LOT. So we could get a cheap Ikea kitchen and install it ourselves and it would cost almost nothing, but the result would also be terrible and wonky and "just good enough". We're still not planning on getting gold taps and marble floors but everything will be nice-looking, durable and professionally installed. And we'll probably end up richer afterwards because the value will go up more than our mortgage. Building wealth is not just about being sensible but also about being smart with money.

I hope everything is going well with the pregnancy! I'm sure financially you'll do fine even with a baby. From what I've heard from friends, the newborn stage isn't that expensive, although I suppose that does depend on cost of childcare. That would probably be the main expensive. I don't know how parental leave works there, in my country it can be quite expensive, but you've got enough money saved so that won't be an issue.

One more day left in August so numbers will be updated tomorrow. 

[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
April 2021: €23866,70
May 2021: €25689.77
June 2021: €25659.61
July 2021: €26434.48
August 2021: €28512.33

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

Another month, another small step in the right direction!

[LittleWanderer]

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
April 2021 - $61,745
May 2021 - $62,978
June 2021 - $62,595
July 2021 - $64,082

August 2021 - $66,248

Same - Imma!  Just small steps forward over here too, as always.  I only managed to save about $50 in cash, but my 401K took a nice jump from the market. 

[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
05/01/2021- $29057.55
06/01/2021- $30095.43

08/30/2021- $31209.00

It's been a while. I haven't had much to update as my expenses have been higher than normal with therapy, PT and going back to school/paying for classes. Still managing to creep up a tiny bit thanks to 401K

[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
30 April 2021: EUR 27,109
31 May 2021: EUR 30,039
30 June 2021: EUR 30,721
31 July 2021: EUR 31,784
31 August 2021: EUR 31,331
(2021 goal: EUR 35K)

As expected, our holiday and the back to school expenses of the kids took a little bite out of the stash, but not as much as I was expecting (thanks to markets....). Still on track to my 2021 goal!

[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                 3/31: 94,009
4/30: (2592.07)              4/30: 19,283                   4/30: 52,720                 4/30: 96,128
5/31: (629.70)                5/31: 18,676                   5/31: 55,177                 5/31: 95,056
6/30: 1,206.77                6/30: 22,362                   6/30: 59,720                 6/30: 96,201
7/31: 2,703.97                7/31: 24,646                   7/31: 65,792                 7/31: 97,017
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
Gain: 15,245.84                         29,783                            44,943

8/31/2021: 133,097

I sold my pervious house for allot more than what I was expecting to get out of it. Have the new house in the refinance process to cover the construction loans needed to update it.
Now it is time to build my EF back up as allot of it was used on the updating of the new house.
Looking forward to keep this progress going. Good luck everyone and see you in the next thread!

[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
04/27/21 - SEP + Roth $ 24,365.29 - Student loan balance $ 1,699.29 = $ 22,666.00
05/31/21 - SEP + Roth $ 25,063.59 - Student loan balance $ 0 = $ 25,063.59 - Student loan is paid off!!!
8/21/21 - SEP + Roth $ 27,113.71

I am back. I took a break this summer from reporting because we had some headaches/repairs to deal with on our FL house. All in all ended up spending just under $20k on needed repairs to the house, lawn and tree maintenance. We have pretty much replaced/fixed every large ticket item in the FL house as this point, so unless one of those trees falls on the house and takes out the roof, I am hopeful we will be in the clear for the rest of the year.

It is now the beginning of September so we are moving on and looking forward to putting money in savings/retirement accounts again. Thank God for rental house emergency funds or we would have been sunk. Now to fill it back up.

[TyGuy]

Student Loan Debt:

01/12/19: $43,762
05/04/20: $21,456
11/09/20: $21,456
05/04/21: $21,456
06/01/21: $21,456
07/03/21: $21,456
08/02/21: $21,456
09/02/21: $21,456 (Loans have remained in forbearance)


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)
05/04/21: $36,424 ($3,344)
06/01/21: $39,976 ($3,552)
07/03/21: $47,349 ($7,373)
08/02/21: $52,292 ($5,044)
09/02/21: $57,319 ($5,027)

3 months in a row of net worth increases over $5,000, feels like I'm making some serious progress!

[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)
5/5/2021: $80,447 (+5,586)
6/7/2021: $84,957 (+4,510)
7/6/2021: $90,092 (+5,135)
8/5/2021: $96,511 (+6,419)
9/3/2021: $98,221 (+1,710)

Wow this month has been really hard. Our dogs surgery came out to be way more than anticipated due to lingering infection. Back to school costs. Then our car died, cracked engine block. Juggling multiple quarantines since our kids went back to school three weeks ago. I am just glad I was in the positive this month.

[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	$87.3k
May		$17.7k	$31.5k	$50.6k	$88.2k
June		$18.5k	$33.3k	$53.5k	$90.3k
July	$6.2k	$20.2k	$35.1k	$58.5k	$92.0k
August	$6.8k	$20.8k	$36.7k	$63.0k	$94.4k
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

Currently projecting $35 short of $100k at the end of this year, lol.

[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 €)
01/05/2021: 50.942,27 € (+   714,52 €)
01/06/2021: 45.969,23 € (- 4.973,04 €)
01/07/2021: 47.887,98 € (+1.918,75 €)
01/08/2021: 50.361,49 € (+2.473,51 €)

01/09/2021: 55.538,44 € (+5.176,95 €)

Forgot to update last month. Spending was higher than average in July and August due to vacation and summer spending, as it always seems to be. NW still went up a lot, mostly because of markets and BTC recovering.

[dizzy]

Holy shiz I am graduating from this thread!  Less than 2 years, went from $0 to over $100k.  I started with ~$30k income (which was an outlier, I'd made $20k a year or less the rest of my life).  Last year I made $43k before taxes, this year should be closer to $50k I think.  Adulting so hard just as 40 comes up (I opened up my first IRA on my 38th birthday...this year hit $100k by it and also I will get married 5 days later)

Definitely doing all my "bank robberies" (various bank and credit card and rando bonuses) and following a good investment plan (lil controversial to some here, definitely not that VTI only shiz, but it works for me...I'm well diversified so I SWAN) got me here.

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
5/2/21- $94414
7/21/21- $93777.25
8/4/21- $97766
9/7/21- $101,806

On to the next thread and maybe will start a new one here which is goal of $50k in taxable/savings accounts, to pay off my student loan tax bomb if that's ever due (based on current projections)

[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
3/28/21 - $88,303
4/28/21 - $91,120
5/28/21 - $93,394
6/28/21 - $96,779
7/28/21 - $99,024
8/28/21 - $101,830
9/11/21 - $101,999

Thanks everybody for the positive vibes and support.
Onward  to the next thread...

[Trifle]

Congrats @dizzy and @DieHard_772!!   

[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)
16 Jun 2021 NW £94,039 (+£4,421)
16 Sep 2021 NW £97,382 (+£3,343)

Slow progress! Bought the rest of the shares in my house and travelled. Unfortunately had to quarantine in a quarantine hotel on my return to the UK. Cost of quarantine £2,280. Progress feels really disappointing at the moment.

[Manchester]

My N/W grew by £2,846.97 to a new total of £54,453.44.  I've already surpassed the total increase in my N/W in 2020 which, considering it's August feels crazy (although I can blame COVID for last year).

Another month in the right direction despite my investments not performing up to their recent high standards.

My N/W grew by £1,721.56 to a new total of £56,175.

3 more updates to go this year.  I should pass my target of £60k by 31/12/21. 

[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
Apr '21    72,858
May '21   75,068
June '21  77,013
July '21   79,020
Aug '21   82,801
Sept '21 81,077

First drop in a while but I paid a tax instalment of $1000, some investments went downhill, had an unexpected brake failure ($1000 fix) and bought a ski pass (an anticipated yearly event but still a good chunk of change)..so not too surprising.

Will aim to cut spending the last few months of 2021 so that I can continue paying my tax instalments in a timely manner and hopefully grow savings a bit too before year-end. Would love to end the year above $85,000.

[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
Dec 2020 : £62,368
Jan 2021 £64,542
Feb 2021 £66,616
March 2021 £67,305
April 2021 £71,137
May 2021 £75,325
June 2021 £73,732
July 2021 £80,163
August 2021 £82,015
September 2021 £87,420

October 2021 £87,902 yikes, markets were bad in September.

[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
4/28/2021 - $77,861
5/31/2021 - $79,885
6/30/2021 - $82,843
7/28/2021 - $85,130
8/29/2021 - $87,558
9/30/2021 - $87,127

[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	$87.3k
May		$17.7k	$31.5k	$50.6k	$88.2k
June		$18.5k	$33.3k	$53.5k	$90.3k
July	$6.2k	$20.2k	$35.1k	$58.5k	$92.0k
August	$6.8k	$20.8k	$36.7k	$63.0k	$94.4k
September	$8.2k	$22.2k	$38.6k	$63.2k	$93.1k
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

Looks like I'm hanging out in the 90s a little longer.

[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	$52,533	-
June	-	-	$19,255	$54,094	-
July	-	-	$20,358	$55,927	-
August	-	-	$21,993	$58,821	-
September	-	-	$23,312	$67,274	-
October	-	-	$24,777	$67,897	-
November	-	$13,466	$26,407	-	-
December	$9,518	-	$30,697	-	-

Last month I said "Feels a bit unreal..." I feel better now, even if I did only have $623 growth in the funds. (with nearly $2k in additional funding) At least I'm buying in again at June's prices?

[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
30 April 2021: EUR 27,109
31 May 2021: EUR 30,039
30 June 2021: EUR 30,721
31 July 2021: EUR 31,784
31 August 2021: EUR 31,331
30 September 2021: EUR 31,508
(2021 goal: EUR 35K)

Tiny.....tiny.....tiny...... but still an increase this month. Feels a bit disappointing, since I did my normal contributions and these are more than this increase. But hey, this is how markets work. Only 3 months to go for this year. Hopefully I can still make the goal!

[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 €)
01/05/2021: 50.942,27 € (+   714,52 €)
01/06/2021: 45.969,23 € (- 4.973,04 €)
01/07/2021: 47.887,98 € (+1.918,75 €)
01/08/2021: 50.361,49 € (+2.473,51 €)
01/09/2021: 55.538,44 € (+5.176,95 €)

01/10/2021: 55.405,64 € (-132,80 €)

Savings were roughly 850 €, the downturn happened due to stockmarket.

My basement was broken into and my two bikes were stolen. On top of that they (him/her?) also stole my biking shoes, lights, helmet and even the tire pump. My girlfriends bike, my skis and some other non-valuable stuff was left, so I guess it was just one person and he/her couldn't carry more than two bikes.

In true mustachian fashion I self insured, because I don't have many valuable possession. So sadly on that front I got unlucky and household insurance would have been the better option. Hindsight is 20/20 though. I got a pretty basic Fixie bike as a replacement to get around, but will eventually need to replace my gravel bike. This especially hurts as I got my old one on ebay for fairly cheap and prices on ebay have nearly doubled here recently. It is near impossible to buy new bikes, because all vendors are out of stock due to supply chain issues and way more people showing interest in biking due to the corona crisis. So I either swallow the pill and get an equal replacement for way more than I originally paid on ebay, get a cheaper but worse replacement on ebay, or just wait until prices come down again but don't get to ride in the meantime.

[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
04/27/21 - SEP + Roth $ 24,365.29 - Student loan balance $ 1,699.29 = $ 22,666.00
05/31/21 - SEP + Roth $ 25,063.59 - Student loan balance $ 0 = $ 25,063.59 - Student loan is paid off!!!
8/21/21 - SEP + Roth $ 27,113.71
9/30/21 - SEP + Roth $ 27,063.71

I added $1000 this month to my SEP, but due to market flux, I look like I have a loss. But I am in this for the long game, so I know this month I bought these funds on sale, just keep buying.

[TyGuy]

Student Loan Debt:

01/12/19: $43,762
05/04/20: $21,456
11/09/20: $21,456
05/04/21: $21,456
06/01/21: $21,456
07/03/21: $21,456
08/02/21: $21,456
09/02/21: $21,456
10/01/21: $21,456 (Loans have remained in forbearance)


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)
05/04/21: $36,424 ($3,344)
06/01/21: $39,976 ($3,552)
07/03/21: $47,349 ($7,373)
08/02/21: $52,292 ($5,044)
09/02/21: $57,319 ($5,027)
10/01/21: $58,555 ($1,236)

Happy with the increase, had some unexpected expenses this past month in addition to the market downturn. Excited to be able to buy stocks at a reduced price in the coming weeks!

[LittleWanderer]

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
April 2021 - $61,745
May 2021 - $62,978
June 2021 - $62,595
July 2021 - $64,082
August 2021 - $66,248

September 2021 - $64,221

Whomp-whomp.  Thanks, stock market.  Oh well - just another month!