Author Topic: Race from 100 to 250k  (Read 837438 times)

FrugalByChance

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Re: Race from 100 to 250k
« Reply #2150 on: December 04, 2018, 05:19:09 AM »
I will join in the race but only counting my "Early Retirement stash". So this does not include my emergency-fund, pension capital, or payed-off residence.

These are the "end of the month" numbers:
Month      Early Retirement Stash
Jan 2016     58,971.00
...
Jan 2017     86 368.00
...
Jan 2018    119 817.00
Feb 2018    118 464.00
Mar 2018    115 094.00
Apr 2018    122 622.00
May 2018    128 787.00
Jun 2018    130 283.31
Jul 2018    135 595.00
Aug 2018    138 342.00
Sep 2018    139 524.74
Oct 2018    138 230.42


Nov 2018    144 029.86 

marcela

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Re: Race from 100 to 250k
« Reply #2151 on: December 04, 2018, 08:20:02 AM »
Background on net worth: No kids, 1 dog (he's a very good boy), we own a house.

08/2013: $9,216- had been making 18k, got a job making 27k
02/2014: $14,413- new job in December making 38k
08/2014: $17,890
02/2015: $34,041
08/2015: $58,584 - new job in May making 55k
02/2016: $77,264
09/2016: $96,145

10/31/2016: $101,606        (+$2,334)
11/17/2016: $103,940        (+$2,334)
12/30/2016: $109,785.19   (+$5,845.19)
1/31/2017:   $112,318.74   (+$2,533.55)
2/28/2017:   $119,499.39   (+$7,180.65)
3/31/2017:   $124,640.83   (+$5,141.44)
4/30/2017:   $109,329.00   (-$15,311.83)
5/31/2017:   $108,986.53   (-$342.47)
6/30/2017:   $114,809.37   (+$5,822.84) Husband started working making 75k
7/31/2017:   $118,822.63   (+$4,013.26)
8/31/2017:   $127,150.06   (+$8,327.43)
9/29/2017:   $137,371.91   (+$10,221.85)
10/31/2017: $131,182.62   (-$6,189.29)
11/30/2017: $160,216.75   (+$29,034.13) We bought a house!
12/31/2017: $167,991.01   (+$7,774.26)
1/31/2018:   $180,969.37   (+$12,978.36) Husband started new job making $61k plus bonus
2/28/2018:   $184,798.13   (+$3,828.76)
3/31/2018:   $184,548.87   (-$249.26)
4/30/2018:   $188,623.33   (+4,074.46)
5/31/2018:   $194,415.98   (+5,792.65)
6/30/2018:   $202,304.86   (+7,888.88)
07/31/2018: $208,928.39   (+6,623.53)
8/31/2018:   $221,155.30   (+12,226.91)
9/30/2018:   $227,833.89   (+6,678.59)
10/31/2018: $218,342.31   (-9,491.58)
11/30/2018: $228,957.49   (+10,615.18)

Market bounced back and I got those work reimbursements taken care of. The past week has been super spendy as my dad had to have emergency heart surgery and I was down helping out. Lots of hospital cafeteria charges and some purchases since I was not expecting to be in their city for a week. Looks like I'm getting some sort of EOY bonus at work (1-4%), but amounts have not yet been released. Husband is also expecting a year end bonus, but we have no idea what that might amount to. Time to keep plugging away!

dcozad999

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Re: Race from 100 to 250k
« Reply #2152 on: December 04, 2018, 08:24:30 AM »
2/1/2018    $198,264.59
3/1/2018    $204,079.63
4/1/2018    ???
5/1/2018    $206,310.31
6/1/2018    $207,731.13
7/1/2018    $209,452.69
8/1/2018    $218,450.07
9/1/2018    $224,242.78
10/1/2018  $227,036.87
11/1/2018  $214,106.68
12/1/2018  $219,948.36

daverr7

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Re: Race from 100 to 250k
« Reply #2153 on: December 04, 2018, 09:21:41 AM »
Hello, joining in!

Rather than net worth, reporting on investments. Goal of $250,000 by March 2019. Goal of $500,000, paid off mortgage, and FI by January 2023.

Investments:
5/1/2018: $192,000
6/1/2018: $200,737
7/1/2018: $205,121
8/1/2018: $213,771
9/1/2018: $222,070
10/1/2018: $225,027
11/1/2018: $216,074 - better luck next month!

12/1/2018: $219,241

mountain_air

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Re: Race from 100 to 250k
« Reply #2154 on: December 04, 2018, 09:36:15 AM »
5/1/17     25,273
6/1/17     52,894  (I believe we transferred some money over)
7/1/17     59,114
8/1/17     67,337
9/1/17     75,486
10/1/17   80,726
11/1/17   85,681
12/1/17  100,005  (extra paycheck month for us both!)
1/1/18    105,431
2/1/18    108,535
3/1/18    111,337
4/1/18    117,617
5/1/18    135,266 (a slight tax refund and extra paycheck!)
6/1/18    146,521
7/1/18    150,573
8/1/18    155,306 (slow and steady)
9/1/18    169,777
10/1/18  178,901 (DW started to contribute to 401k, some good market returns!)
11/1/18  179,225 (man the market sucked balls the past month, poured lots of money in just to see no result...)
12/1/18  185,066 (somehow stayed positive NW throughout all the chaos.  Grateful for that)

If anyone started feeling down about where they are at, simply look where you were a year ago, live in that state for a few minutes, and then relax and look at your numbers today.  We will all get there eventually.  Chins up everyone!

ardrum

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Re: Race from 100 to 250k
« Reply #2155 on: December 04, 2018, 10:28:54 AM »
2/1/18 - $103,481
3/1/18 - $100,568
4/1/18 - $103,798
5/1/18 - $108,542
6/1/18 - $117,139
7/1/18 - $121,565
8/1/18 - $126,719
9/1/18 - $136,714
10/1/18 - $139,465
11/1/18 - $131,465
12/1/18 - $136,952

3 paycheck November helped!  On a side note, I'm forecasting my original student loan debt of ~$58k will be under $2k by the end of the year! ALMOST THERE!!!

mountain_air

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Re: Race from 100 to 250k
« Reply #2156 on: December 04, 2018, 06:52:45 PM »
2/1/18 - $103,481
3/1/18 - $100,568
4/1/18 - $103,798
5/1/18 - $108,542
6/1/18 - $117,139
7/1/18 - $121,565
8/1/18 - $126,719
9/1/18 - $136,714
10/1/18 - $139,465
11/1/18 - $131,465
12/1/18 - $136,952

3 paycheck November helped!  On a side note, I'm forecasting my original student loan debt of ~$58k will be under $2k by the end of the year! ALMOST THERE!!!

Way to go!!

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2157 on: December 04, 2018, 10:01:55 PM »
What's the consensus here on including value of rsu's for this thread? I don't plan to leave my employer unless I get multiples of rsu's elsewhere anyway.

solon

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Re: Race from 100 to 250k
« Reply #2158 on: December 05, 2018, 06:03:26 AM »

 1/2017  $88,615
 1/2018 $132,155
 2/2018 $138,015
 3/2018 $137,779
 4/2018 $148,093
 5/2018 $158,814
 6/2018 $161,284
 7/2018 $160,446
 8/2018 $168,222
 9/2018 $184,258
10/2018 $189,536
11/2018 $184,146
12/2018 $182,675


The strange thing is, I feel like we're doing really well. Income is up, saving is up. It just doesn't show in the net worth.

Here's the group spreadsheet: https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0

RWD

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Re: Race from 100 to 250k
« Reply #2159 on: December 05, 2018, 07:39:58 AM »
What's the consensus here on including value of rsu's for this thread? I don't plan to leave my employer unless I get multiples of rsu's elsewhere anyway.

Use your vesting schedule, maybe?

Check2400

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Re: Race from 100 to 250k
« Reply #2160 on: December 05, 2018, 11:04:34 AM »
1/2018 $132,155
12/2018 $182,675


The strange thing is, I feel like we're doing really well. Income is up, saving is up. It just doesn't show in the net worth.

I suppose it is subjective to your income, but adding $50,000 in a year is a pretty good increase in the net worth.  Maybe you're experiencing the Mustachian equivalent of keeping up (savings) with the Jones'?

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2161 on: December 05, 2018, 12:02:37 PM »
1/2018 $132,155
12/2018 $182,675


The strange thing is, I feel like we're doing really well. Income is up, saving is up. It just doesn't show in the net worth.

I suppose it is subjective to your income, but adding $50,000 in a year is a pretty good increase in the net worth.  Maybe you're experiencing the Mustachian equivalent of keeping up (savings) with the Jones'?

Agreed, growing NW by 50k is great, that's basically 2-4 times annual expenses if you plan to retire 10-20 years from now @ 7% market return.

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2162 on: December 05, 2018, 12:03:34 PM »
What's the consensus here on including value of rsu's for this thread? I don't plan to leave my employer unless I get multiples of rsu's elsewhere anyway.

Use your vesting schedule, maybe?

Yeah I guess I could go about it that way as well. 1st world problem nonetheless.

solon

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Re: Race from 100 to 250k
« Reply #2163 on: December 05, 2018, 08:10:33 PM »
1/2018 $132,155
12/2018 $182,675


The strange thing is, I feel like we're doing really well. Income is up, saving is up. It just doesn't show in the net worth.

I suppose it is subjective to your income, but adding $50,000 in a year is a pretty good increase in the net worth.  Maybe you're experiencing the Mustachian equivalent of keeping up (savings) with the Jones'?

Agreed, growing NW by 50k is great, that's basically 2-4 times annual expenses if you plan to retire 10-20 years from now @ 7% market return.

Aw. You guys are sweet.

Stimpy

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Re: Race from 100 to 250k
« Reply #2164 on: December 06, 2018, 12:03:44 PM »
DateFIREMediTotal NW% IncreaseNotes
6/1/2017$115,738 -
6/30/2017$117,232~ +1.29%
7/31/2017$119,087~ +1.58%
8/31/2017$123,218~ +3.47%
9/30/2017$123,886~ +0.54%
10/31/2017$125,468.75+1.28%
11/30/2017$124,036.64~-1.14%- Almost a new leap day  ;)
12/31/2017$130,952.23~5.58%- Side note: previous month didn't have tax liens so this % is a little skewed
1/31/2018$135,011.70~ 3.10%
2/28/2018$135,864.07~ 0.63%
3/30/2018$138,236.93~2.39%
4/31/2018$146,471.66~5.96%
5/31/2018$149,243.29~ 1.89%
6/29/2018$138,672.35$10,383.62$149,055.97~-.13%
7/31/2018$143,601.47$11,999.00$155,600.47~4.39%
8/31/2018$170,882.66$33,529.66203,882.32~31.37%
9/28/2018$175,228.25$33,941.00209,136.25~2.33%
10/31/2018$173,675.18$37,549.95$211,225.13~0.98%
Numbers based on Mint

11/30/2018 Fire: $175,846.66 + Medi  $43663.51 = $219,510.17 ~3.92%

Posting a little late as I have been out for the last several weeks. 
So realized my math was a little off, total number is correct but FIRE and Medi were off, mainly cause I left the mandatory saving account part of the HSA out of the medi calculation.  So, opps?  Corrected for ongoing calculations (though I could go back and work it as it's set number but just call me too lazy to care!).

Other then that steady as she goes.  My (unrecorded!) prediction of 220k by the end of the year looks like it's gonna be beaten but I think I can live with that.

Toad

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Re: Race from 100 to 250k
« Reply #2165 on: December 07, 2018, 09:12:31 PM »
Maybe you're experiencing the Mustachian equivalent of keeping up (savings) with the Jones'?

I definitely get this every time I look at the spreadsheet.  No idea how some of you do it.  My % increase is among the lowest and my expenses are damn low.  Some people with higher NW than me are almost double where I am % wise which is insane.  I guess I am doing single player mode currently so maybe that has something to do with it.  Anyways, good job everyone, I will just be here in back bringing up the rear.

Lews Therin

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Re: Race from 100 to 250k
« Reply #2166 on: December 07, 2018, 10:36:10 PM »
Hating your job and being willing to do whatever it takes to keep expenses down low helps.

Toad

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Re: Race from 100 to 250k
« Reply #2167 on: December 07, 2018, 11:38:14 PM »
Hating your job and being willing to do whatever it takes to keep expenses down low helps.

Already there.  Aren't we all?

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2168 on: December 08, 2018, 08:28:38 AM »
Hating your job and being willing to do whatever it takes to keep expenses down low helps.

Already there.  Aren't we all?

I feel that thinking in MMM-like ways encourages people to focus on what is most important to them, even before the RE part of this journey. Maybe make a resolution for the new year that you will start looking elsewhere for jobs that offer a better situation for you, there are plenty of exciting jobs out there. Just don't settle because it's comfortable.

I'm also in single player mode but make good money so i'm still able to make decent progress despite that.

ardrum

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Re: Race from 100 to 250k
« Reply #2169 on: December 08, 2018, 10:22:51 AM »
Maybe you're experiencing the Mustachian equivalent of keeping up (savings) with the Jones'?

I definitely get this every time I look at the spreadsheet.  No idea how some of you do it.  My % increase is among the lowest and my expenses are damn low.  Some people with higher NW than me are almost double where I am % wise which is insane.  I guess I am doing single player mode currently so maybe that has something to do with it.  Anyways, good job everyone, I will just be here in back bringing up the rear.

Sometimes I think it would be nice to somehow see a visual representation of how little the "below median" savings rate is (virtually nothing) in the general population to put it in perspective of how well we're all actually doing regardless of differences among us.  Comparing yourself to other Mustachians is like trying to stand out in the NFL or something haha!  We're shooting for the moon and landing among the Mustachian stars.  Keep up the good job! 

Toad

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Re: Race from 100 to 250k
« Reply #2170 on: December 08, 2018, 05:46:30 PM »
Maybe make a resolution for the new year that you will start looking elsewhere for jobs that offer a better situation for you, there are plenty of exciting jobs out there. Just don't settle because it's comfortable.

It will happen next year out of necessity regardless.  My fiancee is in the bay area and will be for 4 more years.  She can't move in that time, so I will be heading out that way next year.  Kills me to do that since I am effectively doubling my spend moving to that area, but I just remind myself that the overall net is not a significant change since we are currently paying for 2 rents between us anyways.  Here's to hoping I will be FIRE in 4 years so I won't need a new job on the next move :) (my fiancee is a valid retirement plan, right?)

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2171 on: December 08, 2018, 07:25:21 PM »
(my fiancee is a valid retirement plan, right?)

Hehe, my wife has been retired for a number of years is on a government pension that well exceeds most people's target RE spending levels. She was retired when we met so I have to build my own stache which I am fine with.

As far as the bay area, I don't envy you because that place has terrible traffic and is ridiculously expensive.

Raymond Reddington

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Re: Race from 100 to 250k
« Reply #2172 on: December 08, 2018, 11:57:32 PM »
November was an OK but unspectacular month. It was fraught with a couple challenges, namely my stupid temper which led to me breaking my flip phone and having to spend $144 on the replacement and fend off a slew of add-ons to the monthly bill that I did not authorize that the idiot in-store rep signed me up for without my permission, but my $39/month phone bill remains intact after much haranguing. But other than that, I am most proud of spending $0 on work related expenses for the entire month! I brought lunch from home every single day, took public transit enough that the tank of gas I bought in October is still 1/4 full, and avoided tolls entirely. Sadly, I can't say the same for December so far, but it was nice in that regard.

Overtime is still non-existent at work, but thankfully my pretax savings do not depend on overtime...another month, but this one had three pay periods in it, so $1500 went into my pretax accounts instead of the usual $1000, which is nice. Can't wait for the big retro check coming whenever our raises go through, which I'll be directing 80% of to the pretax account anyway, but that will be a nice small boost to my net possessions.

I added some more money into my brokerage account, picking up defensive stocks mainly on weakness, as I continue to split my savings between individual quality dividend stocks and indexing. The early returns on investing in the municipal bond fund through Vanguard seem promising - the $3000 I invested last month has already paid its first dividend, and will yield over $100 annually for life, tax free. I am excited to continue to contribute a portion of my savings each year to this fund to see how it grows. With volatility in the markets, I am trying to be more cautious in general since I know I can't time the market, but trying to get in on small dips when I can. Honestly, I'm probably done contributing for a bit, because I need to start setting aside the 5500 to put into my Roth in the spring as a 2017 contribution, and I don't want to dip into the emergency fund to pay for it. The net possessions number posted below looks nice, but I attribute that mainly to a friendly last few days of market trading sessions rather than to some genius Mustachian techniques or tendencies on my part, and those gains have already disappeared in December, so I'm evaluating my November performance mainly on my savings rate. I smooth my takehome income so I don't get a false sense of security in three-pay-cycle months (like November 2018), so I estimate using this method that my savings rate in November was a pedestrian 41.4% of takehome pay (which also includes already paid costs that I amortize over the "contract period" like vehicle registration, insurances, etc). Several of those (including the phone) were one time items, without which I would have saved over 50%, but I can't discount them, that's not the way this works, they're spending. I prefer to amortize because it allows me to derive more meaningful conclusions about my spending when comparing different months, as well as track my cost increases better when prices for spending items rise.

The elephant in the room is house upgrades. The basement project has turned into a nightmare, and we are leaning towards just getting it done sooner for peace of mind and to get the square footage back so we can put things away properly. We continue to slowly progress through clutter disposal and Craigslist/eBay sales of items that have value, but there's still more than we like. Re: basement - we will do as much of the work ourselves as we can, but it's going to be a hefty bill regardless - mainly because one of the non load bearing walls has become load bearing over time as the house has settled on it. In the meantime, December's budget figures to be below my usual standard with holiday expenses, a trip to visit family planned (even though we'll be driving and staying with them to minimize cost), and an oil tank refill looming as well. We've been keeping the thermostat at a brisk 63 so far. After I finish insulating more of the basement steam pipes, we will probably bump that to 64 for the coldest part of the winter. But electric bills have been running around $130 monthly of late, which is far better than years previous as we've been more conscious of our energy use this year.

So my fortunes will remain heavily tied to the market through year end.

On the plus side, I really haven't sold many winning investments this year, so that should help keep the tax bill low through deducting capital losses, and I have to see where I stand on my conversion of my IRA to Roth from the spring re: taxes, since I know that will add some expense, but I'm hoping lower marginal rates will help in that regard. We live in a high tax state, however, so how the new limits on deductions will play out for us is anyone's guess. I'm hoping there's a refund that I can throw into savings coming my way, although obviously the benefit of that won't be until next year.

December 2014: $89,173 (I don't have the exact date I hit 100K, so including this here anyway)
December 2015: $106,299
December 2016: $147,449
December 2017: $182,600
June 2018: $217,065
July 2018: $221,250
August 2018: 222,274
September 2018: 224,569
October 2018: 220,241
November 2018: 226,052
« Last Edit: December 09, 2018, 12:09:50 AM by Raymond Reddington »

BSL18

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Re: Race from 100 to 250k
« Reply #2173 on: December 09, 2018, 06:22:51 AM »
Maybe you're experiencing the Mustachian equivalent of keeping up (savings) with the Jones'?

I definitely get this every time I look at the spreadsheet.  No idea how some of you do it.  My % increase is among the lowest and my expenses are damn low.  Some people with higher NW than me are almost double where I am % wise which is insane.  I guess I am doing single player mode currently so maybe that has something to do with it.  Anyways, good job everyone, I will just be here in back bringing up the rear.

Sometimes I think it would be nice to somehow see a visual representation of how little the "below median" savings rate is (virtually nothing) in the general population to put it in perspective of how well we're all actually doing regardless of differences among us.  Comparing yourself to other Mustachians is like trying to stand out in the NFL or something haha!  We're shooting for the moon and landing among the Mustachian stars.  Keep up the good job!

Well I seriously doubt it will actually make you feel any better (Saving rate data for Canada):

Toad

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Re: Race from 100 to 250k
« Reply #2174 on: December 09, 2018, 08:46:19 AM »
Well I seriously doubt it will actually make you feel any better (Saving rate data for Canada):

Graph is in thousands saved annually I assume?   Better than iI would have thought if so actually.  I mean...Used to be at 20k/yr which is actually extremely good for a medium.

2Birds1Stone

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Re: Race from 100 to 250k
« Reply #2175 on: December 09, 2018, 10:19:50 AM »
I would imagine it's % of income saved.

You can see how countries stack up against each other in the graph on networthify.com's ER calc

BSL18

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Re: Race from 100 to 250k
« Reply #2176 on: December 09, 2018, 12:20:32 PM »
Well I seriously doubt it will actually make you feel any better (Saving rate data for Canada):

Graph is in thousands saved annually I assume?   Better than iI would have thought if so actually.  I mean...Used to be at 20k/yr which is actually extremely good for a medium.

It is in % of income... 0,8% is apparently an all-time low.

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2177 on: December 09, 2018, 05:32:07 PM »
Well I seriously doubt it will actually make you feel any better (Saving rate data for Canada):

Graph is in thousands saved annually I assume?   Better than iI would have thought if so actually.  I mean...Used to be at 20k/yr which is actually extremely good for a medium.

It is in % of income... 0,8% is apparently an all-time low.

I would hope so

Slow&Steady

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Re: Race from 100 to 250k
« Reply #2178 on: December 10, 2018, 09:02:01 AM »
Only tracking Invested Total.  My stretch goal is to get to 120k in investments by the end of the year. 


Code: [Select]
        401K        IRA Invested Total Home Value Rental Value Debt         Total NW
Dec-13 $43,660 $0         $43,660 $120,000 $120,000 $232,000 $51,660
Dec-14 $52,943 $0         $52,943 $125,000 $125,000 $227,000 $75,943
Dec-15 $55,622 $0         $55,622 $130,000 $130,000 $227,000 $88,622
Dec-16 $68,870 $700 $69,570 $200,000 $130,000 $281,000 $118,570
Dec-17 $96,294 $1,167 $97,461 $240,000 $135,000 $317,727 $154,724
Jan-18 $101,379 $1,212 $102,591 $240,000 $135,000 $316,332 $161,258
Feb-18 $97,645 $4,248 $101,894 $240,000 $135,000 $314,997 $161,896
Jun-18 $104,527 $4,218 $108,745 $240,000 $135,000 $309,458 $174,286
Jul-18 $108,967 $4,350 $113,317 $240,000 $125,000 $307,995 $170,322
Aug-18 $113,625 $4,398 $118,023 $240,000 $125,000 $303,563 $179,460
Sept-18 $114,907 $4,404 $119,311 $240,000 $125,000 $301,045 $183,266
Oct-18 $109,932 $4,164 $114,096 $240,000 $125,000 $299,806 $179,290
Nov-18 $110,623 $4,145 $114,767 $240,000 $125,000 $297,382 $182,385

Not much to say.  The market will need to be very very friendly in Dec if I am going to reach that stretch goal.

Today my 401k balance is less than Jan 2018 + 401k contributions for 2018

CorpRaider

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Re: Race from 100 to 250k
« Reply #2179 on: December 10, 2018, 09:04:02 AM »
Liquid Investments: 

12/14 ~    $46,000
12/15 ~    $81,000
12/16 ~  $109,000
12/17 ~  $164,000     
01/18 ~  $174,000
02/18 ~  $172,000
03/18 ~  $175,000
04/18 ~  $180,000
05/18 ~  $184,000
06/18 ~  $174,000
07/18 ~  $183,000
08/18 ~  $186,000
09/18 ~  $188,000
10/18 ~  $179,000
11/18 ~  $184,000

Forgot to post this.  Pretty ok bounce back during November.  Writing now, from the future, I know that the bounce was fleeting. haha. 
« Last Edit: December 10, 2018, 09:08:54 AM by CorpRaider »

fuzzy math

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Re: Race from 100 to 250k
« Reply #2180 on: December 10, 2018, 10:13:22 AM »
June 2018.  $219,320
July 2018. $228,483
Aug 2018 $234,711
Sept 2018 $245,993
Oct 2018.  $251,023
Nov 2018 238,881

Dec 2018 244,687 

For another few fleeting days my $4900 had a positive overall effect then it went to shitsville again! (NW today is in the 235 range)
It appears I will never actually leave this thread

AcftW

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Re: Race from 100 to 250k
« Reply #2181 on: December 16, 2018, 03:02:13 PM »

$43,153 - Jan 2016
$67,328 - Jan 2017

$119,626 - Jan 2018
$123,301 - Feb 2018
$127,224 - Mar 2018
$126,450 - Apr 2018
$130,499 - May 2018
$125,105 - Jun 2018
$115,346 - Jul 2018
$121,995 - Aug 2018
$128,269 - Sep 2018
$135,577 - Oct 2018
$134,956 - Nov 2018
$123,348 - Dec 2018

Check2400

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Re: Race from 100 to 250k
« Reply #2182 on: December 17, 2018, 09:23:53 AM »
Today my 401k balance is less than Jan 2018 + 401k contributions for 2018

I hate that you made this comment.  I just checked my 401k, and from January to my final contribution last week I've gained only $12000, or $7500 less than my contributions and match. 

Slow&Steady

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Re: Race from 100 to 250k
« Reply #2183 on: December 17, 2018, 01:22:59 PM »
Today my 401k balance is less than Jan 2018 + 401k contributions for 2018

I hate that you made this comment.  I just checked my 401k, and from January to my final contribution last week I've gained only $12000, or $7500 less than my contributions and match.

I just wish I could say that I bought most of it at prices closer to today's value.  As of today the 401k has a value of Dec-17 + 2018 Contributions.  My concern/frustration is that my company is switching 401k providers in January. I feel like when they do this rollover I will be actually losing money, "you only lose money when you withdrawal", I bought a lot of those stocks at a higher rate than what I will be selling/cashing them out for.  I know it will just be reinvested and I will be buying at whatever that rate is but I am not sure that I am happy about this (partly happy because we will be moving to Fidelity from a small fry company). 

randomusername

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Re: Race from 100 to 250k
« Reply #2184 on: December 19, 2018, 08:43:09 AM »
I just started tracking my net worth in November, and plan to post when I have a few months of data to add.  The biggest eye opener for me has been the need for consolidation, especially around retirement accounts.  From different jobs over the years I have old 401(k)s all over the place.  (My bad... never bothered to roll over).  Working on getting them all rolled over to Betterment (where I also started a taxable account).  Still keeping all the ones I have in Fidelity, as that is 401(k) for my current company.

I should be solidly in this group for a while.  I'm having a hard time limiting myself from fretting over day to day changes in NW, rather than monthly progress.  It goes SLOW when you look at it every day.  :)

SquirrelStache

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Re: Race from 100 to 250k
« Reply #2185 on: December 20, 2018, 08:04:41 AM »
June 2017 - $100,579
July 2017 - $103,003
August 2017 - $106,713
December 2018 - $215,958.19

Slight date gap there, but nice increase nonetheless :)



ItsALongStory

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Re: Race from 100 to 250k
« Reply #2186 on: December 20, 2018, 05:45:16 PM »
The one benefit of big date gaps are generally big nw jumps, nice job!

SquirrelStache

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Re: Race from 100 to 250k
« Reply #2187 on: December 21, 2018, 08:02:03 AM »
Thank you! I have a feeling that's going to down next month, but oh well.

SeattleStache

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Re: Race from 100 to 250k
« Reply #2188 on: December 27, 2018, 11:49:49 AM »
First number is retirement savings, second is total NW including cash emergency savings and real estate equity.

January 2015: $98,619

January 2016: $101,235
December 2016: $140,779 (total NW $269,089)

January 2017: $151,307 (total NW $276,052)
December 2017: $193,677 (total NW $364,276)

January 2018: $203,876
February 2018: $200,867 (total NW $382,740)
March 2018: $196,371 (total NW $393,470)
April 2018: $197,690 (total NW $397,029)
May 2018: $201,800 (total NW $372,420) hit with a special assessment at the condo
June 2018: $202,198 (total NW $376,525)
July 2018: $208,954 (total NW $380,041)
August 2018:$213,699 (total NW $385,100)
September 2018: $215,600 (total NW $385,197)
October 2018: $201,612 :-/ (total NW $372,274)
November 2018: $204,686 (total NW $376,288)
December 2018: $194,973 (total NW $367,535)

Well, I know this comes with the territory, but I cant help to feel like Im ending the year on a down note. Heres to buying low I suppose!

The total NW is over $250k but I'm focused on retirement only for this challenge. A good chunk of the NW is real estate equity.

Gin1984

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Re: Race from 100 to 250k
« Reply #2189 on: December 27, 2018, 07:43:23 PM »
I forgot to update last year.  I was at $133,000 at December 2017 as DH got a job but it was job that required moving so I quit mine in September of 2017.  I got another job in January of 2018 and am now at $178,000.  I hope to pass $200K this year.
« Last Edit: December 27, 2018, 07:47:02 PM by Gin1984 »

dreadmoose

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Re: Race from 100 to 250k
« Reply #2190 on: December 28, 2018, 02:59:52 PM »
   Jul 1, 2016      -$19,048    
   Jan 1, 2017      -$25,189     <--Found MMM
   Jan 1, 2018       $110,473    
   Feb 1       $116,237    
   Mar 1       $122,184    
   Apr 1       $122,764    
   May 1       $129,950    
   June 1       $149,174    
   July 1       $154,992            
   Aug 1       $167,846            
   Sep 1       $180,482            
   Oct 1       $185,098            
   Nov 1       $194,857            
   Dec 1       $205,773           
   Dec 28       $212,860           (+7,087)

Phew, this was a hard month to keep up with stock market losses. End of year overtime cash and a substantial gift from my father barely covered it. Added 21,836.52 and only went up 7,087. Yay for cheap stocks, hopefully.

I don't count my house equity, so this is just investments minus loans (I invest instead of paying off my low interest loans).

MrUpwardlyMobile

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Re: Race from 100 to 250k
« Reply #2191 on: December 28, 2018, 08:12:40 PM »
1/12/18 - $75,103.12
1/16/18 - $83,567.53
2/1/18 - $94,138.48
2/15/18 - $91,543.60
3/4/18 - $106,647.81
3/15/18-$113,810.14
4/1/18-$118,457.70
4/13/18-$122,591.10
5/1/18 - $124,603.56
5/15/18 - $129,202.24
5/31/18 - $150,940.36
6/16/18 - $154,273.90
6/30/18- $155,247,41
7/16/18 - $182,310.10
8/1/18 - $186,730.18
8/15/18 - $188,050.23
9/1/18 - $192,672,95
9/17/18 - $196,425.73
10/1/18 - $197,629.50
11/1/18 - $200,082.02

12/28/18 - $270,941.02

And Im done with this thread. Thanks for having me folks

martyconlonontherun

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Re: Race from 100 to 250k
« Reply #2192 on: December 29, 2018, 09:22:03 AM »

I'm crashing two threads and this will be my joint account. I like my personal one since it's easier to motivate myself then my wife, but it still nice seeing the change in combined NW/Investments which is what matters.

30dh/30dw
Combined 120k income
Midwest City

09/01/2017: $65k Investments/$59k Net Worth
10/01/2017: $68.3k Investments/$65.6k Net Worth
10/27/2017: $72k Investments/$70.5k Net Worth
12/4/2017: $76.5k Investments/$81.9k Net Worth
12/29/2017: $79.1k Investments/$84.8k Net Worth
1/26/2018: $87.k Investments/$84.1k Net Worth (Down due to property taxes and change in Zillow for house
2/23/2018: $87.5k Investments/$88.3k NW
4/2/2018: $87.5k Investments/$95.3k Net Worth (Up due to Tax return)
5/6/2018: $92.1k Investments/$101.1k NW
5/28/2018: $95.0k Investments/$108.9k NW
6/30/2018: $97.9k investments/$130.8k NW (House Increase and added joint accounts/refreshed mint)
8/2/2018: $104k investments/$138.8k NW
9/2/2018: $109k investments/$136.4k NW (House went back to normal value - 'dropped' 7k on zillow - and prepaid for Eurotrip). Goal is $150k by year-end for a $65k bump
12/29/2018: $105k investments/$134.2k NW
2/28/2019: $122.5k Investments/$170k NW
3/31/2019: $125k Investments/$181k NW
4/30/2019: $132k Investments/$200k NW
5/31/2019: $130k Investments/$194k NW
Back filing a little bit.
« Last Edit: June 19, 2019, 02:04:12 PM by martyconlonontherun »

Radagast

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Re: Race from 100 to 250k
« Reply #2193 on: December 29, 2018, 11:13:57 AM »
1/12/18 - $75,103.12
1/16/18 - $83,567.53
2/1/18 - $94,138.48
2/15/18 - $91,543.60
3/4/18 - $106,647.81
3/15/18-$113,810.14
4/1/18-$118,457.70
4/13/18-$122,591.10
5/1/18 - $124,603.56
5/15/18 - $129,202.24
5/31/18 - $150,940.36
6/16/18 - $154,273.90
6/30/18- $155,247,41
7/16/18 - $182,310.10
8/1/18 - $186,730.18
8/15/18 - $188,050.23
9/1/18 - $192,672,95
9/17/18 - $196,425.73
10/1/18 - $197,629.50
11/1/18 - $200,082.02

12/28/18 - $270,941.02

And Im done with this thread. Thanks for having me folks
We hardly knew yeh

MrUpwardlyMobile

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Re: Race from 100 to 250k
« Reply #2194 on: December 29, 2018, 02:24:47 PM »
1/12/18 - $75,103.12
1/16/18 - $83,567.53
2/1/18 - $94,138.48
2/15/18 - $91,543.60
3/4/18 - $106,647.81
3/15/18-$113,810.14
4/1/18-$118,457.70
4/13/18-$122,591.10
5/1/18 - $124,603.56
5/15/18 - $129,202.24
5/31/18 - $150,940.36
6/16/18 - $154,273.90
6/30/18- $155,247,41
7/16/18 - $182,310.10
8/1/18 - $186,730.18
8/15/18 - $188,050.23
9/1/18 - $192,672,95
9/17/18 - $196,425.73
10/1/18 - $197,629.50
11/1/18 - $200,082.02

12/28/18 - $270,941.02

And Im done with this thread. Thanks for having me folks
We hardly knew yeh

Indeed, but alas, I was never long for this thread. Ill probably be in the next one for a couple of years. Expensive life events ahead.

RWD

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Re: Race from 100 to 250k
« Reply #2195 on: December 29, 2018, 10:05:47 PM »
11/1/18 - $200,082.02

12/28/18 - $270,941.02

What black magic did you use to gain $70k in under two months when the stock market dropped 9% during the same period?

Steeze

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Re: Race from 100 to 250k
« Reply #2196 on: December 30, 2018, 04:24:59 PM »
05-01-18 - $55,766
06-01-18 - $60,028
07-01-18 - $66,306
08-01-18 - $74,667
09-01-18 - $83,868
10-01-18 - $93,108
11-01-18 - $93,084
12-01-18 - $104,317

01-01-19 - $117581

Blessed with a bonus at the right time, made up for market losses this month. Finished up the year ahead of schedule, looking forward to a great year next year.
*edited because of spreadsheet error

Goal is to hit 250k by April 1 2020, Stretch goal Jan 1st 2020. Good luck to all !!!
« Last Edit: January 01, 2019, 02:02:42 PM by Steeze »

MrUpwardlyMobile

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Re: Race from 100 to 250k
« Reply #2197 on: December 30, 2018, 06:49:08 PM »
11/1/18 - $200,082.02

12/28/18 - $270,941.02

What black magic did you use to gain $70k in under two months when the stock market dropped 9% during the same period?

At the risk of sounding arrogant, I am basically irreplaceable and viewed as ridiculously hard working.  In order to keep me around, my present employer backloads about 40% of my income into an annual bonus.  It rewards me for sticking around for the full year and punishes me if I leave.

junga

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Re: Race from 100 to 250k
« Reply #2198 on: December 30, 2018, 08:04:02 PM »
January 1, 2018         : $97,318
February 2, 2018        : $104,695
March 1,2018             : $107,006
March 30, 2018          : $115,189
May 1, 2018               : $116,178
June 1, 2018              : $119,529
July 2, 2018               : $117,366
July 31, 2018             : $120,235
Aug 31, 2018             : $126,710
Sept 30, 2018            : $135,258
Dec 1, 2018               : $133,314
Dec 30, 2018             : $128,407

Neustache

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Re: Race from 100 to 250k
« Reply #2199 on: December 31, 2018, 06:42:09 AM »
09/05/18     154,000
10/01/18     168,330
12/01/18     163,458
01/01/18     155,535

Wow!  That's with a 7k dividend reinvestment.   LOL.    It hasn't really affected me though, other than wishing I could send all my savings to investments - but I can't because I'm worried about a huge tax bill in April.