Author Topic: Race from 100 to 250k  (Read 617569 times)

repman

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Re: Race from 100 to 250k
« Reply #2700 on: October 01, 2019, 01:51:05 AM »
I have restored the version of the spreadsheet from 9/29/2019, so you have to reenter some data. Somebody has messed up the structure. Please do not delete or sort rows or columns!

https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=1302523503
« Last Edit: October 01, 2019, 01:53:51 AM by repman »

L2

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Re: Race from 100 to 250k
« Reply #2701 on: October 01, 2019, 10:43:15 AM »
1/15/19 - $101,635.
1/31/19 NW: 108,165 - Projected Graduation Goal NW (12/31/2020):  204,027
2/28/19 NW: $115,123.70 - Projected Graduation Goal NW (12/31/2020):  $211,141.90
3/31/19 NW: $118,967.70 - Projected Graduation Goal NW (12/31/2020):  $211,887
4/30/19 NW: $128,933.75 - Projected Graduation Goal NW (12/31/2020):  $224,080.24
5/31/19 NW: $133,788 - Projected Graduation Goal NW (12/31/2020):  $227,373
6/30/19 NW: $141,921 - Projected Graduation Goal NW (12/31/2020):  $236,022
7/31/19 NW: $147,155 - Projected Graduation Goal NW (12/31/2020: $238,679
08/31/19 NW: $151,735 - Projected Graduation Goal NW (12/31/2020): $243,877
09/30/19 NW: 157,653 - Projected Graduation Goal NW (12/31/2020): $247,779

JAYSLOL

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Re: Race from 100 to 250k
« Reply #2702 on: October 01, 2019, 12:31:04 PM »
Sept 1 - 101.6k
Oct 1 - 106.2 (+4600)

Very solid start to my run from 100-250. 

FICurious

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Re: Race from 100 to 250k
« Reply #2703 on: October 01, 2019, 12:44:13 PM »

This will track only my investments and savings.

Apr 2011:  $49k
Jan 2013:  $80K     >>>> Out of work/stay at home Dad Aug 13 - Mar 15
Jan 2014:  $97k
Jan 2015:  $100k   >>>> Back to work, but daily 3 hour commute (Good for audio books, bad for car and home life)
Jan 2016:  $103k   >>>> Got position close to home in Jan, hated job and became trainee in current career field in Apr 16
Jan 2017:  $108k
Jan 2018:  $127k

Jan 2019:  $133k
Feb 2019:  $145k
Mar 2019:  $147k
Apr 2019:  $151K 
May 2019: $154k  >>>> Graduated trainee program. Whoopee!
Jun 2019: $149,276
Jul 2019: $157,542
Aug 2019: $159,018
Sep 2019: $158,064

Oct 2019:  $161,255

Raenia

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Re: Race from 100 to 250k
« Reply #2704 on: October 01, 2019, 01:19:28 PM »
04/01/2017 - 114,128.11
05/01/2017 - 123,935.63
06/01/2017 - 127,228.98
07/01/2017 - 128,638.92
08/01/2017 - 133,202.60
09/01/2017 - 135,706.79
10/01/2017 - 141,346.00
11/01/2017 - 146,788.93
12/01/2017 - 153,023.95
12/31/2017 - 156,988.01
01/30/2018 - 166,995.57
02/28/2018 - 164,404.90
03/31/2018 - 163,625.13
04/30/2018 - 168,453.88
05/31/2018 - 173,855.43
06/30/2018 - 176,412.22
07/30/2018 - 183,761.04
09/03/2018 - 190,205.44
09/29/2018 - 192,500.25
10/31/2018 - 182,303.59
11/30/2018 - 187,676.36
12/31/2018 - 177,921.99
1/31/2019 - 191,369.58
2/27/2019 - 199,934.11
3/31/2019 - 204,847.64
4/30/2019 - 212,380.74
6/1/2019 - 194,990.98
6/30/2019 - 208,303.52
7/31/2019 - 211,145.36
9/1/2019 - 206,812.25

9/30/2019 - 213,264.14

FrugalByChance

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Re: Race from 100 to 250k
« Reply #2705 on: October 01, 2019, 01:35:32 PM »
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
Dec 2018   € 135 400.00
Totals for 2018:
Growth   € 18.847,34   (= 16,17%)
Deposits € 27.142,12   
Returns -€  8.294,78   (= -6,81%)


Jan 2019   € 145 840.48
Feb 2019   € 151 827.59
Mar 2019   € 157 527.28   (€ 5 699.69 growth including € 1 440.00 deposits)
Apr 2019   € 164 309.47   (growth: € 6 782.19 deposits:  €  950.00 )
May 2019   € 158 997.24   (growth: -€5 312.23 deposits: € 3 350.00)
Jun 2019   € 166 992.69   (growth: € 7 995.45 deposits: € 3 200.00)
Jul 2019   € 173 557.53   (growth: € 6 564.84 deposits: € 4 300.00)
Aug 2019   € 171 327.19   (growth: -€ 2 230.34 deposits:€ 1 950.00)


Sep 2019  € 177 262. 62 ( growth: € 5 935.43 )

Tyson

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Re: Race from 100 to 250k
« Reply #2706 on: October 01, 2019, 02:19:03 PM »
Sept 2015 - $125k
Sept 2016 - $192k
Sept 2017 - $339k
Sept 2018 - $395k
--DIVORCE--
Today - $130

Shit.

DadJokes

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Re: Race from 100 to 250k
« Reply #2707 on: October 01, 2019, 02:27:07 PM »
Sept 2015 - $125k
Sept 2016 - $192k
Sept 2017 - $339k
Sept 2018 - $395k
--DIVORCE--
Today - $130

Shit.

Ouch.

philli14

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Re: Race from 100 to 250k
« Reply #2708 on: October 01, 2019, 04:39:14 PM »
Hi all,

I'm super excited to join the next race. Hope 100-250 goes as smoothly as 10-100 did!

1/10/18: 43,071
1/11/18: 46,223 (+3152)
1/12/18: 50,605 (+4382)
1/01/19: 57,786 (+7181)
1/02/19: 65,133 (+7347)
1/03/19: 71,695 (+6562)
1/04/19: 77,573 (+5878)
1/05/19: 86,088 (+8515)
1/06/19: 86,749 (+0661)
1/07/19: 95,468 (+8719)
1/08/19: 99,958 (+4490)
1/09/19: 103,810 (+3852)
1/10/19: 107,111 (+3301)

Rodgers12

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Re: Race from 100 to 250k
« Reply #2709 on: October 01, 2019, 06:26:23 PM »
05/31/2017: $101,116
06/30/2017: $105,800
07/31/2017: $108,102
08/31/2017: $109,173
09/30/2017: $112,641
10/31/2017: $114,947
11/30/2017: $120,950
12/31/2017: $130,109
01/31/2018: $135,205
02/28/2018: $136,931
03/31/2018: $144,290
04/30/2018: $151,784
05/31/2018: $156,979
06/30/2018: $161,462
07/31/2018: $165,899
08/31/2018: $167,980
09/30/2018: $170,675
10/31/2018: $166,320
11/30/2018: $169,814
12/31/2018: $167,124
01/31/2019: $177,652
02/28/2019: $187,313
03/31/2019: $196,426
04/30/2019: $214,442
05/31/2019: $209,319
06/30/2019: $219,920
07/31/2019: $224,398
08/31/2019: $224,550
09/30/2019: $233,153

Toad

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Re: Race from 100 to 250k
« Reply #2710 on: October 01, 2019, 11:01:19 PM »
Summary of accounts:

   Date      Bank Accounts      Taxable Investments      IRAs and 401k      TOTAL      CHANGE   
   February 1, 2018      $13,975.00      $81,380.67      $51,185.33      $146,541.00   
   March 1, 2018      $10,851.87      $81,263.42      $50,645.46      $142,760.75      -2.58%   
   April 1, 2018      $9,260.83      $82,902.34      $49,913.25      $142,076.42      -0.48%   
   May 1, 2018      $6,865.67      $81,933.59      $59,445.02      $148,244.28      +4.34%   
   June 1, 2018      $6,764.50      $83,959.71      $66,115.73      $156,839.94      +5.80%   
   July 1, 2018      $7,123.50      $83,121.42      $69,308.09      $159,553.01      +1.73%   
   August 1, 2018      $14,732.56      $86,652.82      $72,329.18      $173,714.56      +8.88%   
   September 1, 2018      $13,673.41      $90,472.35      $74,941.54      $179,087.30      +3.09%   
   October 1, 2018      $16,854.55      $91,794.30      $75,717.00      $184,365.85      +2.95%   
   November 1, 2018      $18,285.38      $84,982.39      $71,020.77      $174,738.95      -5.22%   
   December 1, 2018      $17,708.68      $91,239.50      $71,548.00      $180,496.18      +3.29%   
   January 1, 2019      $23,668.81      $89,632.75      $72,953.77      $185,911.60      +3.00%   
   February 1, 2019      $22,665.56      $94,290.71      $78,618.00      $195,691.08      +5.26%   
   March 1, 2019      $21,422.97      $95,094.09      $85,633.00      $202,150.06      +3.30%   
   April 1, 2019      $21,553.38      $96,284.88      $93,816.00      $211,654.26      +4.70%   
   May 1, 2019      $23,000.32      $98,750.13      $99,692.00      $221,442.45      +4.62%   
   June 1, 2019      $26,815.91      $92,621.16      $93,848.70      $213,285.77      -3.68%   
   July 1, 2019      $31,597.83      $107,567.64      $100,638.90      $239,804.37      +12.43%   
   August 1, 2019      $33,965.58      $109,733.69      $101,372.47      $245,071.74      +2.17%   
   September 1, 2019      $34,060.56      $107,178.92      $100,816.28      $242,055.76      -1.70%   
   October 1, 2019      $41,940.06      $111,460.07      $102,729.37      $256,129.50      +5.81%   

My stretch goal set at the beginning of this year was 250k by year end.  Mission accomplished.  On to the next race for me.  See everyone again hopefully soon!

repman

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Re: Race from 100 to 250k
« Reply #2711 on: October 02, 2019, 01:19:45 AM »
Nov 2017     65,000€
Dez 2017     69,000€  a frugal month and a christmas paycheck !

Jan  2018     73,100€
Feb  2018     74,100€
Mar  2018     57,300€  some expenses and bad investment decisions
Apr 2018      58,800€
May 2018      62,285€
Jun 2018     65,500€
Jul 2018      71,538€
Aug 2018      76,500€
Sep 2018      78,600€
Oct 2018      81,500€
Nov 2018      83,980€
Dez 2018      86,500€

Jan 2019       90,900€  some boni
Feb 2019       94,200€
Mar 2019       100,317€  some extra boni
Apr 2019       101,170€
May 2019     105,211€
Jun 2018      113,334€
Jul 2018       121,589€
Aug 2019     126,000€
Sep 2019     131,200€

Goal: 250,000€ in December 2022

Retire:
plan:      3\1\2025     25 x Living Expenses(year)
is:          now            9,8 x Living Expenses(year)

A warm welcome to everybody in this thread. I hope we have nice journey together on the road to freedom-

Google Spreadsheet
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=1302523503

ASW

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Re: Race from 100 to 250k
« Reply #2712 on: October 02, 2019, 06:37:02 AM »
Just chugging along.

                       2018                2019                2020                2021               
January     $38,800$88,534--
February$49,800$96,439--
March$55,707$107,387--
April$64,352$110,960--
May$68,097$117,622--
June$72,976$113,078-(Grad Goal)
July$80,555$124,700-
August$85,858$129,322-
September$90,137$133,156-
October$93,806$136,540-
November$89,537--
December$92,795--

35andFI

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Re: Race from 100 to 250k
« Reply #2713 on: October 02, 2019, 07:15:30 AM »
Jan-19   $88,323
Feb-19   $97,575
Mar-19   $105,804
Apr-19   $110,146
May-19   $118,816
Jun-19   $116,687
Jul-19   $127,984
Aug-19   $131,602
Sep-19   $135,237
Oct-19   $139,487

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2714 on: October 02, 2019, 07:49:31 AM »
Summary of accounts:

   Date      Bank Accounts      Taxable Investments      IRAs and 401k      TOTAL      CHANGE   
   February 1, 2018      $13,975.00      $81,380.67      $51,185.33      $146,541.00   
   March 1, 2018      $10,851.87      $81,263.42      $50,645.46      $142,760.75      -2.58%   
   April 1, 2018      $9,260.83      $82,902.34      $49,913.25      $142,076.42      -0.48%   
   May 1, 2018      $6,865.67      $81,933.59      $59,445.02      $148,244.28      +4.34%   
   June 1, 2018      $6,764.50      $83,959.71      $66,115.73      $156,839.94      +5.80%   
   July 1, 2018      $7,123.50      $83,121.42      $69,308.09      $159,553.01      +1.73%   
   August 1, 2018      $14,732.56      $86,652.82      $72,329.18      $173,714.56      +8.88%   
   September 1, 2018      $13,673.41      $90,472.35      $74,941.54      $179,087.30      +3.09%   
   October 1, 2018      $16,854.55      $91,794.30      $75,717.00      $184,365.85      +2.95%   
   November 1, 2018      $18,285.38      $84,982.39      $71,020.77      $174,738.95      -5.22%   
   December 1, 2018      $17,708.68      $91,239.50      $71,548.00      $180,496.18      +3.29%   
   January 1, 2019      $23,668.81      $89,632.75      $72,953.77      $185,911.60      +3.00%   
   February 1, 2019      $22,665.56      $94,290.71      $78,618.00      $195,691.08      +5.26%   
   March 1, 2019      $21,422.97      $95,094.09      $85,633.00      $202,150.06      +3.30%   
   April 1, 2019      $21,553.38      $96,284.88      $93,816.00      $211,654.26      +4.70%   
   May 1, 2019      $23,000.32      $98,750.13      $99,692.00      $221,442.45      +4.62%   
   June 1, 2019      $26,815.91      $92,621.16      $93,848.70      $213,285.77      -3.68%   
   July 1, 2019      $31,597.83      $107,567.64      $100,638.90      $239,804.37      +12.43%   
   August 1, 2019      $33,965.58      $109,733.69      $101,372.47      $245,071.74      +2.17%   
   September 1, 2019      $34,060.56      $107,178.92      $100,816.28      $242,055.76      -1.70%   
   October 1, 2019      $41,940.06      $111,460.07      $102,729.37      $256,129.50      +5.81%   

My stretch goal set at the beginning of this year was 250k by year end.  Mission accomplished.  On to the next race for me.  See everyone again hopefully soon!
Good luck in the next thread, hope to join you there in the next 5-6 months.

Sent from my Pixel 2 XL using Tapatalk


Epor

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Re: Race from 100 to 250k
« Reply #2715 on: October 02, 2019, 10:03:45 AM »
Jan-2014    $ 24,525.00   
Jan-2015    $ 32,090.00   
Jan-2016    $ 39,258.00   
Jan-2017    $ 59,072.00   (found MMM   3/17)
Jan-2018    $ 93,684.00
Jan-2019    $111,219.00
----------   
           Total       Saved      Market G/L
02/01/19   129805      7876        10710
03/01/19   136520      1976         4739
04/01/19   139740      1976         1244     
05/01/19   147985      1976         6269     
06/01/19   138745      2715       -11955     
07/01/19   151525      1976        10804     
08/01/19   155785      2000         2260     
09/01/19   152835      2000        -4950
10/01/19   156450      2000         1615


katthjul

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Re: Race from 100 to 250k
« Reply #2716 on: October 02, 2019, 02:45:51 PM »
Apr 2019: €104,580
May 2019: €102,272
Jun 2019: €107.885
Jul 2019: €113.905
Aug 2019: €113.608
Sep 2019: €119.395

CorpRaider

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Re: Race from 100 to 250k
« Reply #2717 on: October 02, 2019, 03:57:50 PM »
Liquid Investments: 

12/13 ~      $3,000
12/14 ~    $46,000
12/15 ~    $81,000
12/16 ~  $109,000
12/17 ~  $164,000     
12/18 ~  $180,000
01/19 ~  $188,000
02/19 ~  $194,000
03/19 ~  $198,000
09/19 ~  $230,000

Huskerfan

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Re: Race from 100 to 250k
« Reply #2718 on: October 02, 2019, 06:09:48 PM »
I’m jumping in this thread with a few ideas and thoughts in mind. I don’t plan to add house equity or extras like that. I’m not even going to add the spouse’s 401k. I’ll be solely tracking
My 401k and my Roth IRA Numbers to go toward the goal of $250k. I may add the savings account numbers later, but most of that pays toward the last of my mortgage and a basement remodel right now.

My stats:

Jul2019 — $101953
Aug2019 — $106277
Sep2019 — $111050


Numbers updated thru the last day of the month

ingrownstudentloans

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Re: Race from 100 to 250k
« Reply #2719 on: October 02, 2019, 10:25:22 PM »
I am tracking only IRA/401K/taxable accounts.
5/31/2018 $100,519.07  - not even the slightest clue on target date...I'll be here for a few years :)
6/30/2018 $105,187.34
7/31/2018 $109,052.07
8/31/2018 $116,748.06
9/31/2018 $125.833.33 (should slow down for rest of year as both 401Ks are maxed)
10/31/2018 $121,400.49 (market pain)
11/30/2018 $120,116/63
12/31/2018 $115,318.38 (more market pain and put some resources towards our new AirBnB venture - looking forward to buying stocks on sale now that 401K is back in play)
1/31/2019 $121,188.34 (next couple of months are my favorite time of year - 401K is in play, bonus and employer 401K match (3% of compensation) all hit)
2/28/2019 $136,880.76 (one twomore fun months, then back to slow(er) growth mode)
3/31/2019 $141,195.30 (one more fun month - employer 401k contribution and last month until max 401k for the year)
4/30/2019 $161,209.95 (going to try to continue speed with taxable account - we will see with a 2-week old at home how this plays out)
5/31/2019 $157,215.34 (market pain decline despite adding close to $4,000 in my after-tax account.....stay the course)
6/30/2019 $168,401.72 ($63,214.38 in one year...stay the course)
7/31/2019 $172,680.44
8/31/2019 $169,675.29
9/30/2019 $159,620.62 (why do we fall????  So we can get back up)

Check2400

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Re: Race from 100 to 250k
« Reply #2720 on: October 03, 2019, 01:38:56 PM »
Jan. 1, 2017 - 103,000
Feb. 1, 2017 - 106,500
Mar. 1 2017  - 102,500
Apr. 1  2017 -  110,000
May 1  2017 -  112,500
June 1 2017 -  113,500
July  1 2017 -  120,500
Aug. 1 2017 -  131,000
Sept. 1 2017-  131,000
Oct.  1  2017-  131,500
Nov. 1  2017 - 135,000
Dec. 1  2017 - 140,000
Jan. 1   2018 - 160,000
Feb. 1   2018-  168,000
Mar. 1   2018-  168,000
April 1   2018-  169,000
May 1   2018 -  171,000
June 1  2018 -  178,000
July  1  2018 -  180,500
Aug. 1  2018 -  194,000
Sept 1  2018 -  200,500
Oct. 1  2018 -  200,800
Nov. 1 2018 -  184,000
Dec. 1 2018 -  195,000
Jan. 1 2019 -  204,000
Feb. 1 2019 -  217,000
Mar 1  2019 -  226,000
April 1 2019 -  231,000
May 1, 2019 -  246,500
June 1, 2019 - 235,500
July 1, 2019 -  250,500
Aug. 1, 2019 - 244,000
Sept. 1, 2019 - 247,500
Oct. 1 2019 251,000

Wait two days after the month rolls over and you go from graduating (a second time) to being back down close to $241,000.

In extremely frustrating news, my employer just cut our 401K program.  Between my wife and I we earn too much to do a Roth IRA.  Are there any tax advantaged savings left I can explore? 

HELP!


repman

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Re: Race from 100 to 250k
« Reply #2721 on: October 04, 2019, 01:05:19 AM »
I have restored the version of the spreadsheet from 9/29/2019, so you have to reenter some data. Somebody has messed up the structure. Please do not delete or sort rows or columns!

https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=1302523503

I have done the same to the version of 03/10/2019 because again it has been destroyed by somebody :C

mbk

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Re: Race from 100 to 250k
« Reply #2722 on: October 05, 2019, 09:18:39 AM »
I am using this challenge for my retirement savings.

--------------------
12/31/16     107k
12/31/17     137k
12/31/18     110k
-------------------
07/31/19     163k
09/30/19      173k
« Last Edit: October 05, 2019, 09:20:46 AM by mbk »

mbk

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Re: Race from 100 to 250k
« Reply #2723 on: October 05, 2019, 10:50:57 AM »
Sept 2015 - $125k
Sept 2016 - $192k
Sept 2017 - $339k
Sept 2018 - $395k
--DIVORCE--
Today - $130

Shit.

Sorry to hear that.
Could you give more details.?

LurkerStache

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Re: Race from 100 to 250k
« Reply #2724 on: October 05, 2019, 11:01:31 AM »
Dec 2017: 102,068.04
Jan 2018: 108,443.97
Feb 2018: 108,726.52
Mar 2018: 109,126.43
Apr 2018: 114,917.83
May 2018: 118,481.89
Jun 2018: 121,593.76
Jul 2018: 126,216.79
Aug 2018: 128,017.71
Mar 2019: 133,167.33
Apr 2019: 137,228.23
May 2019: 136,789.23
Jun 2019: 145,951.04
Jul 2019: 149,701.37
Aug 2019: 145,919.64
Sep 2019: 159,555.47

zeli2033

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Re: Race from 100 to 250k
« Reply #2725 on: October 05, 2019, 03:18:07 PM »
Wait two days after the month rolls over and you go from graduating (a second time) to being back down close to $241,000.

In extremely frustrating news, my employer just cut our 401K program.  Between my wife and I we earn too much to do a Roth IRA.  Are there any tax advantaged savings left I can explore? 

HELP!


Bummer on having the 401k program cut - that blows.

Are you already contributing to an HSA/do you have that option? That's an additional $7k that's tax-advantaged.

Another option to explore might be a backdoor roth if you don't have too much sitting in your IRAs. As I understand it, you will generate a tax bill based on total IRA funds but if it's not a huge amount, it might be worth it. I admittedly don't know much about it but might be another savings option before going the taxable account route.

jojoguy

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Re: Race from 100 to 250k
« Reply #2726 on: October 06, 2019, 03:59:37 AM »
These are investments only between me and my wife`s 401ks, Traditional IRAs(maxed), taxable brokerage, immediate emergency in checking account($3,000), and Money Market account for emergency funds(currently sitting at about 6 months of our budget):

April 13, 2019 = $100,325.68
May 19, 2019 = $104,598.06
June 29, 2019 = $116,258.11
July 28, 2019 = $125,262.57
August 24, 2019 = $125,496.17
September 8, 2019 = $135,203.65
September 21, 2019 = $141,995.43
October 6, 2019 = $144,609.88

One year anniversary to MMM! We started with around $54,000 in our 401ks(After 15 years of doing very little in adding to it), and are up $90,000 in one year`s time.

grantmeaname

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Re: Race from 100 to 250k
« Reply #2727 on: October 06, 2019, 06:19:33 AM »
hell yeah, jojo! it only snowballs from here :)

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2728 on: October 06, 2019, 07:27:01 AM »
Great testament to what focus and determination can do for financial goals. And now compounding will also start becoming a bigger factor!

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zee dot

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Re: Race from 100 to 250k
« Reply #2729 on: October 06, 2019, 09:17:50 AM »
02/2019 $150,040.56
03/2019 $152,786.73
04/2019 $200,186.35
05/2019 $195,428.02
06/2019 $106,265.42 (bought an apartment for my mom)
09/2019 $133,351.70 (market movement, my own apt appreciated)

I've been lax on tracking my finances, just needed a break. It was fun to see that an apartment in my building sold for 20k more than the last one which is what I use to determine value.

Nederstash

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Re: Race from 100 to 250k
« Reply #2730 on: October 07, 2019, 04:07:17 AM »
Jul 19: 100741
Aug 19: 100432
Sep 19: 102822
Oct 19: 103403

ardrum

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Re: Race from 100 to 250k
« Reply #2731 on: October 07, 2019, 08:46:24 AM »
Dreaming of hitting that $200k but not sure it will happen this year with investment returns not being so hot in recent months.

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
1/1/19 - $127,801
2/1/19 - $143,055
3/1/19 - $153,839
4/1/19 - $161,291
5/1/19 - $167,820
6/1/19 - $163,243
7/1/19 - $179,918
8/1/19 - $181,591
9/1/19 - $180,840
10/1/19 - $189,529

PassMMM

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Re: Race from 100 to 250k
« Reply #2732 on: October 09, 2019, 10:36:36 AM »
First posted here when I hit 100k in Nov. Original goal was to hit $250k by "early-mid 2020". Since that post, I got engaged and paid for the ring, most wedding expenses and prepaid the honeymoon. With those payments done I'm expecting savings rate to go back to normal, plus an expected bonus an raise in January, I think it's still very doable.

11/18: 101k
02/19: 109k
05/19: 123k
08/19: 132K
10/19: 151k

afah0447

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Re: Race from 100 to 250k
« Reply #2733 on: October 10, 2019, 01:09:31 AM »
Sep-18   $75,256.52
Oct-18   $86,248.66
Nov-18   $86,193.00
Dec-18   $86,602.12
Jan-19   $86,401.13
Feb-19   $91,467.65
Mar-19   $99,480.65
Apr-19   $110,876.19
May-19   $115,311.36
Jun-19   $116,902.12
Jul-19   $121,777.08
Aug-19   $130,490.53
Sep-19   $135,480.24
Oct-19   $138,023.29

BeautifulDay

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Re: Race from 100 to 250k
« Reply #2734 on: October 12, 2019, 04:07:06 PM »
$200k and holding for about 3 months. Honestly feels like we are going nowhere. But we just have to keep at it.

35andFI

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Re: Race from 100 to 250k
« Reply #2735 on: October 12, 2019, 05:18:05 PM »
Sep-18   $75,256.52
Oct-18   $86,248.66
Nov-18   $86,193.00
Dec-18   $86,602.12
Jan-19   $86,401.13
Feb-19   $91,467.65
Mar-19   $99,480.65
Apr-19   $110,876.19
May-19   $115,311.36
Jun-19   $116,902.12
Jul-19   $121,777.08
Aug-19   $130,490.53
Sep-19   $135,480.24
Oct-19   $138,023.29

@afah0447 Looks like you’re right there with @ASW and myself. Want to join our little race?
This month has been a spendy pants one for me...

afah0447

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Re: Race from 100 to 250k
« Reply #2736 on: October 12, 2019, 07:58:08 PM »
Hello @35andFI ,

Sure i'll join the race. I have entered my financial details into the google docs spreadsheet at the top of the page.

Cheers
Andy
« Last Edit: October 12, 2019, 11:40:32 PM by afah0447 »

35andFI

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Re: Race from 100 to 250k
« Reply #2737 on: October 13, 2019, 03:48:45 PM »
Sweet! I updated the Google sheet with my info as well.

Accrual

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Re: Race from 100 to 250k
« Reply #2738 on: October 14, 2019, 01:25:55 PM »
Cool thread.

6/1/2018 - $102k
6/1/2019 - $167k
10/1/2019 - $189k

Adblair0

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Re: Race from 100 to 250k
« Reply #2739 on: October 14, 2019, 02:08:57 PM »
I stumbled across this website a while back and finally decided to jump in on the thread to help with motivation (it's crazy how easy it is to spend money...). I'll only include details on this first post (I always like reading through other people's) and then I'll try to stick with a quick number update. The biggest struggle I have had with saving money has been my love of cars and travel which unfortunately aren't the cheapest hobbies. We'll see if this thread can motivate me to be a little stricter with the spending.

So the NW number is taken from Mint and includes my 401K, Vanguard personal account and the normal credit cards, checking and savings, etc. I'm only 26 years old and am not sure how far down the Mustachian path I'll go long term. I want to find a balance of smart spending while still indulging in luxuries occasionally, keeping my hobbies, but I also don't want to be working until I'm 60. I've always been called frugal by my family, but I'm nowhere close to a lot of people on this forum. The motivation to spend less is always a good thing!

Investments (401K, HSA and Vangaurd): $111,572.21
Cash: $3,511.25
CC Debt: -$3,240.32

In summary:
10/14/19 NW: $111,843.14

Cheers everyone, and good luck!

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2740 on: October 14, 2019, 04:41:25 PM »
Welcome to the thread, always good to see some new folks join in.

Sent from my Pixel 2 XL using Tapatalk


35andFI

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Re: Race from 100 to 250k
« Reply #2741 on: October 14, 2019, 05:08:40 PM »
I stumbled across this website a while back and finally decided to jump in on the thread to help with motivation (it's crazy how easy it is to spend money...). I'll only include details on this first post (I always like reading through other people's) and then I'll try to stick with a quick number update. The biggest struggle I have had with saving money has been my love of cars and travel which unfortunately aren't the cheapest hobbies. We'll see if this thread can motivate me to be a little stricter with the spending.

So the NW number is taken from Mint and includes my 401K, Vanguard personal account and the normal credit cards, checking and savings, etc. I'm only 26 years old and am not sure how far down the Mustachian path I'll go long term. I want to find a balance of smart spending while still indulging in luxuries occasionally, keeping my hobbies, but I also don't want to be working until I'm 60. I've always been called frugal by my family, but I'm nowhere close to a lot of people on this forum. The motivation to spend less is always a good thing!

Investments (401K, HSA and Vangaurd): $111,572.21
Cash: $3,511.25
CC Debt: -$3,240.32

In summary:
10/14/19 NW: $111,843.14

Cheers everyone, and good luck!

Welcome!
Looks like you’re doing pretty good for 26.
Out of curiosity, why are you holding enough in cash to pay of the CC debt but haven’t paid it off?

JAYSLOL

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Re: Race from 100 to 250k
« Reply #2742 on: October 14, 2019, 07:52:44 PM »
I stumbled across this website a while back and finally decided to jump in on the thread to help with motivation (it's crazy how easy it is to spend money...). I'll only include details on this first post (I always like reading through other people's) and then I'll try to stick with a quick number update. The biggest struggle I have had with saving money has been my love of cars and travel which unfortunately aren't the cheapest hobbies. We'll see if this thread can motivate me to be a little stricter with the spending.

So the NW number is taken from Mint and includes my 401K, Vanguard personal account and the normal credit cards, checking and savings, etc. I'm only 26 years old and am not sure how far down the Mustachian path I'll go long term. I want to find a balance of smart spending while still indulging in luxuries occasionally, keeping my hobbies, but I also don't want to be working until I'm 60. I've always been called frugal by my family, but I'm nowhere close to a lot of people on this forum. The motivation to spend less is always a good thing!

Investments (401K, HSA and Vangaurd): $111,572.21
Cash: $3,511.25
CC Debt: -$3,240.32

In summary:
10/14/19 NW: $111,843.14

Cheers everyone, and good luck!

Welcome!
Looks like you’re doing pretty good for 26.
Out of curiosity, why are you holding enough in cash to pay of the CC debt but haven’t paid it off?

That just looks like a monthly balance to me, that’s what I do, keep pretty much exactly enough for the credit card auto payment to go through and cover whatever else comes out of my checking automatically.  The rest gets invested.  The balance sometime is more than my actual monthly spending because I’m still charging to the card but it doesn’t have to be paid off for almost an extra month, so a lot of the time I have like $3-4K balance on the card, even if my monthly charges are more like $2k.  Oh, and welcome Adblair0

35andFI

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Re: Race from 100 to 250k
« Reply #2743 on: October 15, 2019, 04:05:42 AM »
That just looks like a monthly balance to me, that’s what I do, keep pretty much exactly enough for the credit card auto payment to go through and cover whatever else comes out of my checking automatically.  The rest gets invested.  The balance sometime is more than my actual monthly spending because I’m still charging to the card but it doesn’t have to be paid off for almost an extra month, so a lot of the time I have like $3-4K balance on the card, even if my monthly charges are more like $2k.  Oh, and welcome Adblair0

Aah good point :)

Check2400

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Re: Race from 100 to 250k
« Reply #2744 on: October 15, 2019, 01:51:51 PM »

...I'm only 26 years old...

...Investments (401K, HSA and Vangaurd): $111,572.21...


Congratulations!  If you never invest another penny for the rest of your traditional working life, you'll retire at 59 as a millionaire!

Now to shave a couple decades off of that timeline and you'll be set.

daveed

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Re: Race from 100 to 250k
« Reply #2745 on: October 15, 2019, 02:54:53 PM »
1/2019 - $107,673.20
2/2019 - $116,133.78
3/2019 - $119538.07
4/2019 - $129090.20
5/2019 - $125,693.12
6/2019 - $138,641.02
7/2019 - $144,176.97 - decided NOT to buy a condo we were looking at and continue renting for the next year or two.
8/2019 - $138,441.20 - went on an expensive but valuable trip to Europe for two weeks + paid $6,000 for grad school tuition. Spent around $10,000 altogether in one month which is loco.
9/2019 - $144,935.02 - Saving rate around 65%. Spent a few hundred dollars on a birthday party which was well worth it. Currently working full time and going to school full time. The hustle is real. Not really sustainable but good for $$$ for the time being. Should cross the 150k mark in October, which will be a great milestone.

To be honest, kind of giving up on our target date for 250k now that I've started grad school. Will most likely stop working full time and switch to something chill that's part time at some point so I can focus on school. But I'll make up for it with an even better job after school. Great for life happiness and flexibility, not great on the initial shorter term agressive savings rates.

Was shooting for $250k by December 2020 but at this point thinking the 250k will more likely be sometime in 2022. Basically delaying everything by 2 years with grad school, but I think it's well worth it to invest in learning and growing in a formal education. The most badass thing with mustachianism and even this small chunk of FU money means that making the decision to do school more for fun than for money was a no brainer.

Just read this book - The Man Who Quit Money - and am completely inspired to live a more lean / minimalistic lifestyle - https://www.amazon.com/dp/B005GSZIN0/ref=dp-kindle-redirect?_encoding=UTF8&btkr=1 . Highly recommend for those of you who like Early Retirement Extreme book.
« Last Edit: October 15, 2019, 02:58:50 PM by daveed »

grantmeaname

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Re: Race from 100 to 250k
« Reply #2746 on: October 15, 2019, 09:51:13 PM »
Nice progress. and congrats on the Europe trip! I will check out a book by that author - The Unsettlers looks interesting.

jojoguy

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Re: Race from 100 to 250k
« Reply #2747 on: October 19, 2019, 07:07:33 PM »
These are investments only between me and my wife`s 401ks, Traditional IRAs(maxed), taxable brokerage, immediate emergency in checking account($3,000), and Money Market account for emergency funds(currently sitting at about 6 months of our budget):

April 13, 2019 = $100,325.68
May 19, 2019 = $104,598.06
June 29, 2019 = $116,258.11
July 28, 2019 = $125,262.57
August 24, 2019 = $125,496.17
September 8, 2019 = $135,203.65
September 21, 2019 = $141,995.43
October 6, 2019 = $144,609.88
October 19, 2019 = $148,424.92

Edit: I contemplated to add my immediate emergency funds of $3,000 to the tally.
« Last Edit: October 21, 2019, 05:19:59 PM by jojoguy »

35andFI

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Re: Race from 100 to 250k
« Reply #2748 on: October 19, 2019, 07:21:54 PM »
Ugh I’ve been spending like an average person lately so November’s NW isn’t going to look so great...

Buuuuut getting LASIK, paid for a vacation, and fixed my bike!

dutty

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Re: Race from 100 to 250k
« Reply #2749 on: October 20, 2019, 01:09:44 PM »
Quote
12/15 -£2,610
12/16  £5,250   (+£7,860 ~ +301%)
12/17  £10,810 (+£5,560 ~ +106%)
12/18  £68,620 (+£57,810 ~ +634%)
01/19  £68,210  (-£410 ~ -1%)
02/19  £64,060  (-£4,150 ~ -6%)
03/19  £74,350 (+£10,290 ~ +16%)
04/19  £69,650 (-£4,700 ~ -7%)
05/19  £68,950 (-£700 ~ -1%)
06/19  £76,850 (+£7,900 ~ +11%)
07/19  £79,180 (+£2,330 ~ +3%)
08/19  £98,690 (+£19,510 ~ +25%)
09/19  £109,170 (+£10,480 ~ +11% )