Race from 10 to 100k!!

[la Condessa]

Aug 2021

$11,112.43


Nov 2021

$15,002.39


April 2022

$17,146.49


Jan 2023

$21,203.88


Feb 2023

$26,057.72


April 2023

$28,562.13


May 2023

$32,689.09


June 2023

$37,087.72


July 2023

$39,110.82


February 2024

$36,343.85



February 2025

EF: $400

Roth IRA: $714.52
tIRA: $21,758.52
tIRA: $25,622.46

Robinhood: $348.61

=$48,844.11

[41_swish]

October 2024:     $28,788.40
November 2024:  $31,978.50
December 2024:  $33,565.50
January 2025:     $37,432.31
February 2025:    $40,023.00

[J.P. MoreGains]

$40,023.00

Nice work... 40% to 100k. Almost halfway and a nice jump since October.

[41_swish]

Thank you, J.P.. I just started taking it more seriously. There was definitely an adjustment period, but I just cut the fat out of my spending and automated EVERYTHING. My 401k and HSA are on automatic payroll deduction and my Roth IRA gets pulled monthly. There is essentially no friction. Time to just enjoy the ride :)

[Magenta_screwdriver]

-October 2024: 11 055,47$
-November 2024: 12565,46$
-December 2024: 12910,65$
-January 2025: 13554,21$
-February 2025: 14472,49$

[comicguy]

Feb update

01/26/22  Round Up 642.33    Investment  9911.44   Total 10553.77
02/26/22  Round Up 752.42    Investment 12408.26  Total 13160.68
03/25/22  Round UP 897.57    Investment 17291.64  Total 18189.21
04/30/22  Round up 971.36    Investment 18713.79  Total 19685.15
05/29/22  Round up 1083.32  Investment 20117.98  Total 21201.30
06/30/22  Round up 1132.77  Investment 21500.10  Total 22632.87
07/30/22  Round up 1372.95  Investment 22042.54  Total 23415.49
08/31/22  Round up 1459.92  Investtment 23530.05 Total 24989.97
09/30/22  Round up 1448.77  Investment  23662.64 Total 25111.41
10/31/22  Round up 1653.35  Investment  27970.70 Total 29624.05
11/20/22  Round up 1888.20  Investment  30821.32 Total 32709.52
12/31/22  Round up 1930.61  Investment  30827.38 Total 32757.99

1/31/23   Round up 2191.57   Investment  34746.35 Total 36937.92
2/28/23   Round up 2250.62   Investment  34618.49 Total 36869.11
3/31/23   Round Up 2414.73   Investment  38034.42 Total 40449.55
4/30/23   Round Up 2593.99   Investment  41109.71 Total 43784.70
5/31/23   Round Up 2704.05   Investment  40744.42 Total 43448.47
6/30/23   Round Up 2964.89   Investment  45358.97 Total 48323.86
7/31/23   Round Up 3186.85   Investment  48247.88 Total 51434.53
8/31/23   Round Up 3246.18   Investment  46405.95 Total 49652.13
9/30/23   Round Up 3198.44  Investment   45198.55 Total 48396.99
10/31/23 Round Up 3302.66   Investment  45110.26 Total 48412.92
11/30/23 Round Up 3699.72  Investment   49541.50 Total 53241.22
12/31/23 Round Up 4031.71  Investment   53525.05 Total 57556.75

01/31/24 Round Up 4157.69  Investment   53274.08  Total 57431.77
02/29/24 Round Up 4438.66  Investment   55297.24  Total 59735.90
03/30/24 Round Up 4629.61  Investment   58364.23  Total 62993.84
04/30/24 Round Up 4748.39  Investment   57798.31  Total 62546.70
05/31/24 Round Up 4964.89  Investment   58705.38  Total 63670.27
06/29/24 Round Up 5172.00  Investment   60125.08  Total 65297.08
07/31/24 Round Up 5546.11  Investment   65047.22  Total 70593.33
08/31/24 Round Up 5855.79  Investment   66546.73  Total 72402.52
09/30/24 Round Up 6141.01  Investment   69419.67  Total 75560.68
10/31/24 Round Up 6256.27  Investment   68445.30  Total 74701.57
11/30/24 Round Up 6641.29  Investment   73553.08  Total 80194.37
12/31/24 Round Up 6694.26  Investment   69205.10  Total 75899.36

01/31/25 Round Up 7113.88  Investment   72383.19   Total 79497.07
02/28/25 Round Up 7249.12  Investment   75787.51   Total 83036.63

[Air]

These months are very slow. Adding to the stash, but market is down.
Ah well, relax and continue :)

Month		2023		2024		Aim		2025		SR
Jan				€ 3.6 K / € 28.4 K		€ 3.5 K		€ 3.3 K / € 87 K		62.1%
Feb				€ 2.5 K / € 32.8 K		€ 2.8 K		€ 2.9 K / € 88 K		68.1%
Mar				€ 2.5 K / € 39.4 K		€ 2.7 K
Apr		€ 0 K / € 0 K		€ 2.5 K / € 42.4 K		€ 3 K
May		€ 8 K / € 8 K		€ 2.1 K / € 44.5 K		€ 5.1 K
Jun		€ 7.4 K / € 15.4 K		€ 8.1 K / € 53 K		€ 10.1 K
Jul		€ 0.3 K / € 15.7 K		€ 2.2 K / € 57.4 K		€ 2.3 K
Aug		€ 4 K / € 19.7 K		€ 1.6 K / € 57.2 K		€ 2.3 K
Sep		€ -0.1 K / € 19.6 K		€ 3.1 K / € 62.4 K		€ 2.3 K
Oct		€ 2.5 K / € 22.1 K		€ 3.4 K / € 67.1 K		€ 2.4 K
Nov		€ 1.9 K / € 24 K		€ 5.7 K / € 73.2 K		€ 2.4 K
Dec		€ 1.3 K / € 25.4 K		€ 3.1 K / € 80.7 K		€ 2.4 K

[getsorted]

August 2023	$10,171
November 2023	$12,224
December 2023	$13,048
January 2024	$14,724
February 2024	$15,805
March 2024	$16,391
May 2024	$16,329
June 2024	$16,979
July 2024	$17,652
August 2024	$17,880
September 2024	$18,792
October 2024	$19,428
November 2024	$19,840
December 2024	$21,612
January 2025	$23,775
February 2025	$24,321
March 2025	$24,016

[AcftW]

$43,153 - Jan 2016
$67,328 - Jan 2017     
$119,626 - Jan 2018   
$122,335 - Jan 2019

$27,103 - Jan 2025
$30,478 - Feb 2025
$32,387 - Mar 2025

[Treedream]

01/06/2018: -€60
01/01/2019: €2.875
01/02/2020: €15.260

31/05/2020: €21.280

Big gap

01/12/2022: € 21.636
01/01/2023: € 22.315

01/05/2023: € 25,649

01/09/2023:  €53,363 (house purchase)

01/01/2024: € 59,606  Investments: €550
01/02/2024: € 60,227  Investments: €619
01/03/2024: € 61,450  Investments: €684
01/04/2024: € 62,453  Investments: €756
01/05/2024: € 63,096  Investments: €795
01/06/2024: € 65,123  Investments: €925
01/07/2024: € 65,498  Investments: €1,003
01/08/2024: € 65,897  Investments: € 1,098
01/09-2024: € 66,362  Investments: € 1,334
01/10/2024: € 66,805  Investments: € 1,514
01/11/2024: € 67,519  Investments: € 1,919
01/12/2024: € 69,166  Investments: € 3,318

01/01/2025: € 69,846  Investments: € 3,833
01/02/2025: € 70,265  Investments: € 4,157

01/03/2025: € 71,768 + € 1,503 Investments: € 5,331 + € 1,174

Good month

[Dutch Comfort]

Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344
December 2023: EUR 51,366
December 2024: EUR 54,691

January 2025: EUR 55,337
February 2025: EUR 55,858

Goal for 2025: EUR 65K

Small increase, since markets again outperformed my spending. This will not happen in March, since we will have major expenses (holiday and probably driving lessons for DD). So, I'm expecting a decrease in the coming months and a recovery in the last few months of the year. All part of the plan for 2025.

[Log]

3/7/2024 NW: $11.4k

Just crested $20k today 🎉 (14 weeks to gain $10k)

I'm just short of $30k now, I'll cross the line when I get paid on Thursday! (13 weeks)

>$40k NW as of today. I will not be able to sustain this pace of growth, but it's good to be able to pad the stash while the money is flowing! (6 weeks)

Past $50k now! (7 weeks)

Crossed the $60k threshold! (8 weeks)

>$70k today! (9 weeks)

That is, if I count the 403b contribution from today's paycheck, which always takes an extra day or two to process. Only slowing down by one more week is not too shabby for how bad the drag from the market has been. I'm just happy to be buying on sale!

I am juggling a few different 4-figure transactions right now, so I'll feel much more calm about the state of my Net Worth spreadsheet once those are all settled.

[41_swish]

October 2024:     $28,788.40
November 2024:  $31,978.50
December 2024:  $33,565.50
January 2025:     $37,432.31
February 2025:    $40,023.00
March 2025:        $43,686.49

[Dutch Comfort]

Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344
December 2023: EUR 51,366
December 2024: EUR 54,691

January 2025: EUR 55,337
February 2025: EUR 55,858
March 2025: EUR 51,556

Goal for 2025: EUR 65K

Decrease was expected. Both markets and spending were the cause of this. But, we will have a nice holiday to look forward to and we did the regular saving into our investment fund, so what goes down..... should go up again (buying at a discount).

[Air]

Adding to the stash, but decrease in value. Keeping course is key!

so what goes down..... should go up again (buying at a discount)

Couldn't agree more with you, Dutch Comfort!

Month		2023		2024		Aim		2025		SR
Jan				€ 3.6 K / € 28.4 K		€ 3.5 K		€ 3.3 K / € 87 K		62.1%
Feb				€ 2.5 K / € 32.8 K		€ 2.8 K		€ 2.9 K / € 88 K		68.1%
Mar				€ 2.5 K / € 39.4 K		€ 2.7 K		€ 2.8 K / € 84.1 K		66.7%
Apr		€ 0 K / € 0 K		€ 2.5 K / € 42.4 K		€ 3 K
May		€ 8 K / € 8 K		€ 2.1 K / € 44.5 K		€ 5.1 K
Jun		€ 7.4 K / € 15.4 K		€ 8.1 K / € 53 K		€ 10.1 K
Jul		€ 0.3 K / € 15.7 K		€ 2.2 K / € 57.4 K		€ 2.3 K
Aug		€ 4 K / € 19.7 K		€ 1.6 K / € 57.2 K		€ 2.3 K
Sep		€ -0.1 K / € 19.6 K		€ 3.1 K / € 62.4 K		€ 2.3 K
Oct		€ 2.5 K / € 22.1 K		€ 3.4 K / € 67.1 K		€ 2.4 K
Nov		€ 1.9 K / € 24 K		€ 5.7 K / € 73.2 K		€ 2.4 K
Dec		€ 1.3 K / € 25.4 K		€ 3.1 K / € 80.7 K		€ 2.4 K

[getsorted]

August 2023	$10,171
November 2023	$12,224
December 2023	$13,048
January 2024	$14,724
February 2024	$15,805
March 2024	$16,391
May 2024	$16,329
June 2024	$16,979
July 2024	$17,652
August 2024	$17,880
September 2024	$18,792
October 2024	$19,428
November 2024	$19,840
December 2024	$21,612
January 2025	$23,775
February 2025	$24,321
March 2025	$24,016
April 2025	$23,591

[AcftW]

$43,153 - Jan 2016
$67,328 - Jan 2017     
$119,626 - Jan 2018   
$122,335 - Jan 2019

$27,103 - Jan 2025
$30,478 - Feb 2025
$32,387 - Mar 2025
$32,522 - Apt 2025

Barely an increase this month.  A combination of things but should be back on track for +1,500 or so next month.

[comicguy]

March update

01/26/22  Round Up 642.33    Investment  9911.44   Total 10553.77
02/26/22  Round Up 752.42    Investment 12408.26  Total 13160.68
03/25/22  Round UP 897.57    Investment 17291.64  Total 18189.21
04/30/22  Round up 971.36    Investment 18713.79  Total 19685.15
05/29/22  Round up 1083.32  Investment 20117.98  Total 21201.30
06/30/22  Round up 1132.77  Investment 21500.10  Total 22632.87
07/30/22  Round up 1372.95  Investment 22042.54  Total 23415.49
08/31/22  Round up 1459.92  Investtment 23530.05 Total 24989.97
09/30/22  Round up 1448.77  Investment  23662.64 Total 25111.41
10/31/22  Round up 1653.35  Investment  27970.70 Total 29624.05
11/20/22  Round up 1888.20  Investment  30821.32 Total 32709.52
12/31/22  Round up 1930.61  Investment  30827.38 Total 32757.99

1/31/23   Round up 2191.57   Investment  34746.35 Total 36937.92
2/28/23   Round up 2250.62   Investment  34618.49 Total 36869.11
3/31/23   Round Up 2414.73   Investment  38034.42 Total 40449.55
4/30/23   Round Up 2593.99   Investment  41109.71 Total 43784.70
5/31/23   Round Up 2704.05   Investment  40744.42 Total 43448.47
6/30/23   Round Up 2964.89   Investment  45358.97 Total 48323.86
7/31/23   Round Up 3186.85   Investment  48247.88 Total 51434.53
8/31/23   Round Up 3246.18   Investment  46405.95 Total 49652.13
9/30/23   Round Up 3198.44  Investment   45198.55 Total 48396.99
10/31/23 Round Up 3302.66   Investment  45110.26 Total 48412.92
11/30/23 Round Up 3699.72  Investment   49541.50 Total 53241.22
12/31/23 Round Up 4031.71  Investment   53525.05 Total 57556.75

01/31/24 Round Up 4157.69  Investment   53274.08  Total 57431.77
02/29/24 Round Up 4438.66  Investment   55297.24  Total 59735.90
03/30/24 Round Up 4629.61  Investment   58364.23  Total 62993.84
04/30/24 Round Up 4748.39  Investment   57798.31  Total 62546.70
05/31/24 Round Up 4964.89  Investment   58705.38  Total 63670.27
06/29/24 Round Up 5172.00  Investment   60125.08  Total 65297.08
07/31/24 Round Up 5546.11  Investment   65047.22  Total 70593.33
08/31/24 Round Up 5855.79  Investment   66546.73  Total 72402.52
09/30/24 Round Up 6141.01  Investment   69419.67  Total 75560.68
10/31/24 Round Up 6256.27  Investment   68445.30  Total 74701.57
11/30/24 Round Up 6641.29  Investment   73553.08  Total 80194.37
12/31/24 Round Up 6694.26  Investment   69205.10  Total 75899.36

01/31/25 Round Up 7113.88  Investment   72383.19   Total 79497.07
02/28/25 Round Up 7249.12  Investment   75787.51   Total 83036.63
03/31/25 Round Up 7171.08  Investment   74519.68   Total 81609.76

March had a slight decline from Feb, but was not too worried. But the start of April ouch! We shall see where the rest of April goes from here :)

[Treedream]

01/06/2018: -€60
01/01/2019: €2.875
01/02/2020: €15.260

31/05/2020: €21.280

Big gap

01/12/2022: € 21.636
01/01/2023: € 22.315

01/05/2023: € 25,649

01/09/2023:  €53,363 (house purchase)

01/01/2024: € 59,606  Investments: €550
01/02/2024: € 60,227  Investments: €619
01/03/2024: € 61,450  Investments: €684
01/04/2024: € 62,453  Investments: €756
01/05/2024: € 63,096  Investments: €795
01/06/2024: € 65,123  Investments: €925
01/07/2024: € 65,498  Investments: €1,003
01/08/2024: € 65,897  Investments: € 1,098
01/09-2024: € 66,362  Investments: € 1,334
01/10/2024: € 66,805  Investments: € 1,514
01/11/2024: € 67,519  Investments: € 1,919
01/12/2024: € 69,166  Investments: € 3,318

01/01/2025: € 69,846  Investments: € 3,833
01/02/2025: € 70,265  Investments: € 4,157
01/03/2025: € 71,768  Investments: € 5,331

01/04/2025: € 72,288 + € 520 Investments: € 5,756 + € 425

Alright month. Spend too much money on take-out, and the market of course took a turn. But I am consistently plodding along.

[41_swish]

How expensive is it to live in the Netherlands? For example, what % of someone's income is taken up by rent/mortgage? Is car ownership really lower over there?

[Treedream]

How expensive is it to live in the Netherlands? For example, what % of someone's income is taken up by rent/mortgage? Is car ownership really lower over there?

I looked it up. On average the Dutch spend 23% of their income on housing. Now, I spend considerably more, but I think this number is not a household number, but a per person metric.

Average car ownership is 1 per household with wild variety accross the country going all the way down to 0.6 per household in the cities. More personally, I do not own a car, and I don't have a driver's license and I get around fine.

I don't know what metrics to compare it to for you, but I am guessing its lower than the USA, or your state, merely for the fact that our country is small and distances are much shorter.

[J.P. MoreGains]

Wow 23% is pretty low. I think Netherlands is one of the nicest countries out there... I just visited and I thought it was great for so many different reasons and you can definitely get around well without a car.

They do so many things really well in the Netherlands.

[Log]

3/7/2024 NW: $11.4k

Just crested $20k today 🎉 (14 weeks to gain $10k)

I'm just short of $30k now, I'll cross the line when I get paid on Thursday! (13 weeks)

>$40k NW as of today. I will not be able to sustain this pace of growth, but it's good to be able to pad the stash while the money is flowing! (6 weeks)

Past $50k now! (7 weeks)

Crossed the $60k threshold! (8 weeks)

>$70k today! (9 weeks)

Crossed $70k again today, it only took 3 weeks! ;)

[41_swish]

This month has been a blood bath... I will check back in 13 days

[Air]

Add 3.2kEUR, increase portfolio by 100eu :D. Ah well

Month		2023		2024		Aim		2025		SR
Jan				€ 3.6 K / € 28.4 K		€ 3.5 K		€ 3.3 K / € 87 K		62.1%
Feb				€ 2.5 K / € 32.8 K		€ 2.8 K		€ 2.9 K / € 88 K		68.1%
Mar				€ 2.5 K / € 39.4 K		€ 2.7 K		€ 2.8 K / € 84.1 K		66.7%
Apr		€ 0 K / € 0 K		€ 2.5 K / € 42.4 K		€ 2.9 K		€ 3.2 K / € 84.2 K		75.3%
May		€ 8 K / € 8 K		€ 2.1 K / € 44.5 K		€ 5 K
Jun		€ 7.4 K / € 15.4 K		€ 8.1 K / € 53 K		€ 10 K
Jul		€ 0.3 K / € 15.7 K		€ 2.2 K / € 57.4 K		€ 2.2 K
Aug		€ 4 K / € 19.7 K		€ 1.6 K / € 57.2 K		€ 2.2 K
Sep		€ -0.1 K / € 19.6 K		€ 3.1 K / € 62.4 K		€ 2.2 K
Oct		€ 2.5 K / € 22.1 K		€ 3.4 K / € 67.1 K		€ 2.3 K
Nov		€ 1.9 K / € 24 K		€ 5.7 K / € 73.2 K		€ 2.3 K
Dec		€ 1.3 K / € 25.4 K		€ 3.1 K / € 80.7 K		€ 2.3 K

[J.P. MoreGains]

Add 3.2kEUR, increase portfolio by 100eu :D. Ah well

Month		2023		2024		Aim		2025		SR
Jan				€ 3.6 K / € 28.4 K		€ 3.5 K		€ 3.3 K / € 87 K		62.1%
Feb				€ 2.5 K / € 32.8 K		€ 2.8 K		€ 2.9 K / € 88 K		68.1%
Mar				€ 2.5 K / € 39.4 K		€ 2.7 K		€ 2.8 K / € 84.1 K		66.7%
Apr		€ 0 K / € 0 K		€ 2.5 K / € 42.4 K		€ 2.9 K		€ 3.2 K / € 84.2 K		75.3%
May		€ 8 K / € 8 K		€ 2.1 K / € 44.5 K		€ 5 K
Jun		€ 7.4 K / € 15.4 K		€ 8.1 K / € 53 K		€ 10 K
Jul		€ 0.3 K / € 15.7 K		€ 2.2 K / € 57.4 K		€ 2.2 K
Aug		€ 4 K / € 19.7 K		€ 1.6 K / € 57.2 K		€ 2.2 K
Sep		€ -0.1 K / € 19.6 K		€ 3.1 K / € 62.4 K		€ 2.2 K
Oct		€ 2.5 K / € 22.1 K		€ 3.4 K / € 67.1 K		€ 2.3 K
Nov		€ 1.9 K / € 24 K		€ 5.7 K / € 73.2 K		€ 2.3 K
Dec		€ 1.3 K / € 25.4 K		€ 3.1 K / € 80.7 K		€ 2.3 K

Your savings rate is great! Nice work!

[41_swish]

October 2024:     $28,788.40
November 2024:  $31,978.50
December 2024:  $33,565.50
January 2025:     $37,432.31
February 2025:    $40,023.00
March 2025:        $43,686.49
April 2025:        $51,557.74

NOTE: Maxxed out ROTH IRA this month, so that is where the big jump came from.

[Magenta_screwdriver]

-October 2024: 11 055,47$
-November 2024: 12565,46$
-December 2024: 12910,65$
-January 2025: 13554,21$
-February 2025: 14472,49$
-March 2025: 17020,26
-April 2025: 18778,41$

[Treedream]

01/06/2018: -€60
01/01/2019: €2.875
01/02/2020: €15.260

31/05/2020: €21.280

Big gap

01/12/2022: € 21.636
01/01/2023: € 22.315

01/05/2023: € 25,649

01/09/2023:  €53,363 (house purchase)

01/01/2024: € 59,606  Investments: €550
01/02/2024: € 60,227  Investments: €619
01/03/2024: € 61,450  Investments: €684
01/04/2024: € 62,453  Investments: €756
01/05/2024: € 63,096  Investments: €795
01/06/2024: € 65,123  Investments: €925
01/07/2024: € 65,498  Investments: €1,003
01/08/2024: € 65,897  Investments: € 1,098
01/09-2024: € 66,362  Investments: € 1,334
01/10/2024: € 66,805  Investments: € 1,514
01/11/2024: € 67,519  Investments: € 1,919
01/12/2024: € 69,166  Investments: € 3,318

01/01/2025: € 69,846  Investments: € 3,833
01/02/2025: € 70,265  Investments: € 4,157
01/03/2025: € 71,768  Investments: € 5,331
01/04/2025: € 72,288  Investments: € 5,756

01/05/2025: € 73,538 + € 1250 Investments: € 6,616 + € 860

Got some additional payments in for my hobby turned work. Despite the wobbly market during the month, it seems I haven't ended too badly.  Managed to curtail the grocery spend much better than last month.

[Log]

3/7/2024 NW: $11.4k

Just crested $20k today 🎉 (14 weeks to gain $10k)

I'm just short of $30k now, I'll cross the line when I get paid on Thursday! (13 weeks)

>$40k NW as of today. I will not be able to sustain this pace of growth, but it's good to be able to pad the stash while the money is flowing! (6 weeks)

Past $50k now! (7 weeks)

Crossed the $60k threshold! (8 weeks)

>$70k today! (9 weeks)

Over $80k today! (Only 5 weeks! Crazy!)

[comicguy]

April update

01/26/22  Round Up 642.33    Investment  9911.44   Total 10553.77
02/26/22  Round Up 752.42    Investment 12408.26  Total 13160.68
03/25/22  Round UP 897.57    Investment 17291.64  Total 18189.21
04/30/22  Round up 971.36    Investment 18713.79  Total 19685.15
05/29/22  Round up 1083.32  Investment 20117.98  Total 21201.30
06/30/22  Round up 1132.77  Investment 21500.10  Total 22632.87
07/30/22  Round up 1372.95  Investment 22042.54  Total 23415.49
08/31/22  Round up 1459.92  Investtment 23530.05 Total 24989.97
09/30/22  Round up 1448.77  Investment  23662.64 Total 25111.41
10/31/22  Round up 1653.35  Investment  27970.70 Total 29624.05
11/20/22  Round up 1888.20  Investment  30821.32 Total 32709.52
12/31/22  Round up 1930.61  Investment  30827.38 Total 32757.99

1/31/23   Round up 2191.57   Investment  34746.35 Total 36937.92
2/28/23   Round up 2250.62   Investment  34618.49 Total 36869.11
3/31/23   Round Up 2414.73   Investment  38034.42 Total 40449.55
4/30/23   Round Up 2593.99   Investment  41109.71 Total 43784.70
5/31/23   Round Up 2704.05   Investment  40744.42 Total 43448.47
6/30/23   Round Up 2964.89   Investment  45358.97 Total 48323.86
7/31/23   Round Up 3186.85   Investment  48247.88 Total 51434.53
8/31/23   Round Up 3246.18   Investment  46405.95 Total 49652.13
9/30/23   Round Up 3198.44  Investment   45198.55 Total 48396.99
10/31/23 Round Up 3302.66   Investment  45110.26 Total 48412.92
11/30/23 Round Up 3699.72  Investment   49541.50 Total 53241.22
12/31/23 Round Up 4031.71  Investment   53525.05 Total 57556.75

01/31/24 Round Up 4157.69  Investment   53274.08  Total 57431.77
02/29/24 Round Up 4438.66  Investment   55297.24  Total 59735.90
03/30/24 Round Up 4629.61  Investment   58364.23  Total 62993.84
04/30/24 Round Up 4748.39  Investment   57798.31  Total 62546.70
05/31/24 Round Up 4964.89  Investment   58705.38  Total 63670.27
06/29/24 Round Up 5172.00  Investment   60125.08  Total 65297.08
07/31/24 Round Up 5546.11  Investment   65047.22  Total 70593.33
08/31/24 Round Up 5855.79  Investment   66546.73  Total 72402.52
09/30/24 Round Up 6141.01  Investment   69419.67  Total 75560.68
10/31/24 Round Up 6256.27  Investment   68445.30  Total 74701.57
11/30/24 Round Up 6641.29  Investment   73553.08  Total 80194.37
12/31/24 Round Up 6694.26  Investment   69205.10  Total 75899.36

01/31/25 Round Up 7113.88  Investment   72383.19   Total 79497.07
02/28/25 Round Up 7249.12  Investment   75787.51   Total 83036.63
03/31/25 Round Up 7171.08  Investment   74519.68   Total 81609.76
04/30/25 Round Uo 7454.09  Investment   72759.42   Total  80213.51

Overall, a slight decline but still investing, it wll go back up at some point and the additional investments will payoff! (at least that is what I Keep telling myself)

[AcftW]

$43,153 - Jan 2016
$67,328 - Jan 2017     
$119,626 - Jan 2018   
$122,335 - Jan 2019

$27,103 - Jan 2025
$30,478 - Feb 2025
$32,387 - Mar 2025
$32,522 - Apr 2025
$36,359 - May 2025

[Dutch Comfort]

Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344
December 2023: EUR 51,366
December 2024: EUR 54,691

January 2025: EUR 55,337
February 2025: EUR 55,858
March 2025: EUR 51,556
April 2025: EUR 52,787

Goal for 2025: EUR 65K

Back on track on the way up. Now only our DD's driving license expenses, which will probably hit this month..... Around EUR 4K (insert shock.....).

[getsorted]

August 2023	$10,171
November 2023	$12,224
December 2023	$13,048
January 2024	$14,724
February 2024	$15,805
March 2024	$16,391
May 2024	$16,329
June 2024	$16,979
July 2024	$17,652
August 2024	$17,880
September 2024	$18,792
October 2024	$19,428
November 2024	$19,840
December 2024	$21,612
January 2025	$23,775
February 2025	$24,321
March 2025	$24,016
April 2025	$23,591
May 2025	$24,155

[Log]

3/7/2024 NW: $11.4k

Just crested $20k today 🎉 (14 weeks to gain $10k)

I'm just short of $30k now, I'll cross the line when I get paid on Thursday! (13 weeks)

>$40k NW as of today. I will not be able to sustain this pace of growth, but it's good to be able to pad the stash while the money is flowing! (6 weeks)

Past $50k now! (7 weeks)

Crossed the $60k threshold! (8 weeks)

>$70k today! (9 weeks)

Over $80k today! (Only 5 weeks! Crazy!)

Past $90k today! (Only 3 weeks!!)

What? How did that happen?? I didn't earn that much more than usual over the last couple months, I guess the power of my money working for me is just already kicking in that noticeably? Almost on to the next thread!

[comicguy]

May update

01/26/22  Round Up 642.33    Investment  9911.44   Total 10553.77
02/26/22  Round Up 752.42    Investment 12408.26  Total 13160.68
03/25/22  Round UP 897.57    Investment 17291.64  Total 18189.21
04/30/22  Round up 971.36    Investment 18713.79  Total 19685.15
05/29/22  Round up 1083.32  Investment 20117.98  Total 21201.30
06/30/22  Round up 1132.77  Investment 21500.10  Total 22632.87
07/30/22  Round up 1372.95  Investment 22042.54  Total 23415.49
08/31/22  Round up 1459.92  Investtment 23530.05 Total 24989.97
09/30/22  Round up 1448.77  Investment  23662.64 Total 25111.41
10/31/22  Round up 1653.35  Investment  27970.70 Total 29624.05
11/20/22  Round up 1888.20  Investment  30821.32 Total 32709.52
12/31/22  Round up 1930.61  Investment  30827.38 Total 32757.99

1/31/23   Round up 2191.57   Investment  34746.35 Total 36937.92
2/28/23   Round up 2250.62   Investment  34618.49 Total 36869.11
3/31/23   Round Up 2414.73   Investment  38034.42 Total 40449.55
4/30/23   Round Up 2593.99   Investment  41109.71 Total 43784.70
5/31/23   Round Up 2704.05   Investment  40744.42 Total 43448.47
6/30/23   Round Up 2964.89   Investment  45358.97 Total 48323.86
7/31/23   Round Up 3186.85   Investment  48247.88 Total 51434.53
8/31/23   Round Up 3246.18   Investment  46405.95 Total 49652.13
9/30/23   Round Up 3198.44  Investment   45198.55 Total 48396.99
10/31/23 Round Up 3302.66   Investment  45110.26 Total 48412.92
11/30/23 Round Up 3699.72  Investment   49541.50 Total 53241.22
12/31/23 Round Up 4031.71  Investment   53525.05 Total 57556.75

01/31/24 Round Up 4157.69  Investment   53274.08  Total 57431.77
02/29/24 Round Up 4438.66  Investment   55297.24  Total 59735.90
03/30/24 Round Up 4629.61  Investment   58364.23  Total 62993.84
04/30/24 Round Up 4748.39  Investment   57798.31  Total 62546.70
05/31/24 Round Up 4964.89  Investment   58705.38  Total 63670.27
06/29/24 Round Up 5172.00  Investment   60125.08  Total 65297.08
07/31/24 Round Up 5546.11  Investment   65047.22  Total 70593.33
08/31/24 Round Up 5855.79  Investment   66546.73  Total 72402.52
09/30/24 Round Up 6141.01  Investment   69419.67  Total 75560.68
10/31/24 Round Up 6256.27  Investment   68445.30  Total 74701.57
11/30/24 Round Up 6641.29  Investment   73553.08  Total 80194.37
12/31/24 Round Up 6694.26  Investment   69205.10  Total 75899.36

01/31/25 Round Up 7113.88  Investment   72383.19   Total 79497.07
02/28/25 Round Up 7249.12  Investment   75787.51   Total 83036.63
03/31/25 Round Up 7171.08  Investment   74519.68   Total 81609.76
04/30/25 Round Uo 7454.09  Investment   72759.42   Total  80213.51
05/31/25 Round Up 7971.05  Investment   76155.38   Total  84126.43

May was a nice rebound month, I would like to see slow and steady increases but who knows what the next few months will bring with tarriffs, inflation, Congress, the President, The Fed Reserve, etc...

[Air]

Your savings rate is great! Nice work!

Thanks a lot! You are doing even better!
This month I got 81%. Next month will be lower again.

May was a good month. Couple of months ago I estimated to have reached the goal this month, the market didn't agree :)

Month		2023		2024		Aim		2025		SR
Jan				€ 3.6 K / € 28.4 K		€ 3.5 K		€ 3.3 K / € 87 K		62.1%
Feb				€ 2.5 K / € 32.8 K		€ 2.8 K		€ 2.9 K / € 88 K		68.1%
Mar				€ 2.5 K / € 39.4 K		€ 2.7 K		€ 2.8 K / € 84.1 K		66.7%
Apr		€ 0 K / € 0 K		€ 2.5 K / € 42.4 K		€ 2.9 K		€ 3.2 K / € 84.2 K		75.3%
May		€ 8 K / € 8 K		€ 2.1 K / € 44.5 K		€ 5.1 K		€ 5 K / € 94.5 K		80.5%
Jun		€ 7.4 K / € 15.4 K		€ 8.1 K / € 53 K		€ 3.1 K
Jul		€ 0.3 K / € 15.7 K		€ 2.2 K / € 57.4 K		€ 3.1 K
Aug		€ 4 K / € 19.7 K		€ 1.6 K / € 57.2 K		€ 3.1 K
Sep		€ -0.1 K / € 19.6 K		€ 3.1 K / € 62.4 K		€ 3.1 K
Oct		€ 2.5 K / € 22.1 K		€ 3.4 K / € 67.1 K		€ 3.2 K
Nov		€ 1.9 K / € 24 K		€ 5.7 K / € 73.2 K		€ 3.2 K
Dec		€ 1.3 K / € 25.4 K		€ 3.1 K / € 80.7 K		€ 3.2 K

[Magenta_screwdriver]

-October 2024: 11 055,47$
-November 2024: 12565,46$
-December 2024: 12910,65$
-January 2025: 13554,21$
-February 2025: 14472,49$
-March 2025: 17020,26
-April 2025: 18778,41$
-May 2025: 21819,42$

[41_swish]

Month		2024		2025
January		$11,382.36		$37,432.31
February		$12,646.66		$40,023.00
March		$14,575.00		$43,686.49
April		$15,099.00		$51,557.74
May		$16,608.00		$57,232.78
June		$24,400.00
July		$26,132.80
August		$28,431.00
September		$30,842.79
October		$28,788.40^
November		$31,978.50
December		$33,565.50

Note ^ = Start of MMM account
Note: only tracking retirement/investment accounts

[AcftW]

$43,153 - Jan 2016
$67,328 - Jan 2017     
$119,626 - Jan 2018   
$122,335 - Jan 2019

$27,103 - Jan 2025
$30,478 - Feb 2025
$32,387 - Mar 2025
$32,522 - Apr 2025
$36,359 - May 2025
$37,915 - Jun 2025

[Dutch Comfort]

Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344
December 2023: EUR 51,366
December 2024: EUR 54,691

January 2025: EUR 55,337
February 2025: EUR 55,858
March 2025: EUR 51,556
April 2025: EUR 52,787
May 2025: EUR 66,404

Goal for 2025: EUR 65K EUR 70K

Large increase this month due to the sale of our 23 year old RV. No new one for us, we will just rent a place during holidays.
DD driving lessons will be paid this month, as will a lot of other expenses. So a decrease is expected next month.
But for now, I'm happy with the increase.

[J.P. MoreGains]

Month		2024		2025
January		$11,382.36		$37,432.31
February		$12,646.66		$40,023.00
March		$14,575.00		$43,686.49
April		$15,099.00		$51,557.74
May		$16,608.00		$57,232.78
June		$24,400.00
July		$26,132.80
August		$28,431.00
September		$30,842.79
October		$28,788.40^
November		$31,978.50
December		$33,565.50

Note ^ = Start of MMM account
Note: only tracking retirement/investment accounts

You're already up ~20k this year. Nice work!

I like checking out the 500k to 1mil thread... you can see their tables filled in with a bunch of columns (years). All it takes is sticking with it. 2026, 2027, 2028, 2029...

[41_swish]

Thank you, @J.P. MoreGains . I really have just set it all on autopilot and have lived my life. I found a spending level that still afforded me living a fun enjoyable life and I invest the difference. The key is maxing out those tax advantaged accounts like the 401(k) and HSA.