Author Topic: Race from 100 to 250k  (Read 1090410 times)

sportsportsports

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Re: Race from 100 to 250k
« Reply #3500 on: April 03, 2021, 02:33:51 PM »
Whoops, Realized I missed posting last month. But I've made some decent progress, so that's nice! (thank you stimulus

05-2020  $104,082.90
06-2020  $108,773.96
07-2020  $118,687.61
08-2020  $126,358.17
09-2020  $123,712.57
10-2020  $122,624.17
11-2020  $135,680.66
12-2020  $142,532.46
01-2021  $145,047.96
02-2021  $153,610.47
03-2021  $161,289.78

Not displeased since with where I am since I went through over 4 months of unemployment last year due to Covid. Right now I'm stock piling cash because, although I started my new job in November and was able to start an HSA in January, I'm not eligible for my company's 401k until June (the start of my 7th month at the company) so I'm planning on trying to max it out in the back half of the year and use the cash to live on. Basically, I'm just saving the money that would ordinarily have been going into my 401k to use later. Hopefully that works. Ideally I'd like to be around $200k by the end this year! I think this is an attainable goal but I guess time will tell.

Naomi

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Re: Race from 100 to 250k
« Reply #3501 on: April 04, 2021, 05:41:59 AM »
2021   net worth     investments    debt
jan    $144,900     $367,500       $222,600
feb    $155,700     $382,600       $226,900
mar   $154,900     $381,900       $227,000
apr    $180,600     $404,800       $224,200

Nederstash

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Re: Race from 100 to 250k
« Reply #3502 on: April 04, 2021, 03:12:36 PM »
Sep 20 120,976
Oct 20 121,341
Nov 20 123,130
Dec 20 129,299
Jan 21 131,476
Feb 21 132,776
Mar 21 133456
Apr 21 136055

Steadily plodding away...

Feivel2000

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Re: Race from 100 to 250k
« Reply #3503 on: April 05, 2021, 11:05:37 AM »
123.950 €
+ 9.916 €

I updated the numbers for my Unit-Linked Life Insurance, that's a big part of the increase.
I had a 54.4% savings rate last month.

The projections, based on 5% interest and constant savings, moved. Everything might happen a month earlier:

150.000 € -> April 2022
200.000 € -> January 2024
250.000 € -> September 2025

Next month my base-income rises, to keep my 50% savings rate, I will have to update what I constantly save, which will hopefully reduce the needed time further. At the same time, remodelling my flat will be more expansive than planned. The kitchen will be financed (at 0%). I will add that dept here as liability, but paying it down won't count as savings.


2020
2021
2022
2023
2024
2025
Jan
...............
110.053 €
...............
...............
200.000 €
...............
Feb
...............
115.328 €
...............
...............
...............
...............
Mar
...............
123.950 €
...............
...............
...............
...............
Apr
...............
...............
150.000 €
...............
...............
...............
May
...............
...............
...............
...............
...............
...............
Jun
...............
...............
...............
...............
...............
...............
Jul
87.134 €
...............
...............
...............
...............
...............
Aug
88.989 €
...............
...............
...............
...............
...............
Sept
90.473 €
...............
...............
...............
...............
250.000 €
Oct
90.093 €
...............
...............
...............
...............
...............
Nov
96.957 €
...............
...............
...............
...............
...............
Dec
103.130 €
...............
...............
...............
...............
...............


Spoiler: show
        Assets
             
         Debts
             
Flat
+ 84.000 €
Mortage
-75.948 €
Unit-Linked Life Insurance
+ 53.330 €
Fixed-Term Deposit
+ 2.000 €
ETFs
+ 34.727 €
Stockpicks
+ 9.430 €
Peer-To-Peer
+ 2.624 €
Crypto
+ 12.943 €
to-be-invested
+ 713 €
« Last Edit: April 05, 2021, 11:09:15 AM by Feivel2000 »

Cezil

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Re: Race from 100 to 250k
« Reply #3504 on: April 09, 2021, 05:30:49 AM »
                       2016                2017                2018                2019                2020                2021               
January     -$39,268.86$65,122.37$81,866.77$115,567.59$163,613.18
February-$40,863.10$67,352.98$87,222.31$111,573.16$167,970.17
March-$42,371.10$66,410.59$88,865.95$99,504.35$176,616.97
April-$43,864.83$65,377.11$93,050.94$111,360.82-
May-$44,450.52$68,032.74$91,719.70$118,208.83-
June-$47,031.44$68,405.97$95,665.54$122,592.19-
July-$48,401.46$70,232.18$99,502.49$128,466.93-
August-$49,222.48$72,016.38$98,339.71$137,931.07-
September-$51,435.45$73,657.42$102,459.81$134,150.29-
October-$52,990.22$71,492.09$104,199.94$135,243.05-
November-$55,388.92$75,678.29$109,178.17$150,933.68-
December$32,870.70 $58,271.55$72,493.16$111,642.78$159,144.91-
Annual gain$32,870.70$25,400.85$14,221.61$39,149.62$47,502.13-

@Cezil - that is neat to see laid out
What would 2016 you say if they heard 2021 you had $168k?

@zee dot
I had to take some time to think about this.  Honestly, back then, I think deep down I would have been very disappointed that in 5 years, I’d only gotten “that far”.  I might have even let that squash the desire I had for trying so hard.  I can feel whispers of that voice in the back of my head still as I struggle to accept that quitting my job in the next few months and taking a year or two off would be okay.  “But I’m not at my goal and I despise work.  I’ve been job searching for 2 years and nothing has sparked my interest.  I must be broken.  How will I ever earn money again?” on top of new compounding health issues.  It’s been an interesting journey and will continue to be.

Psyche

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Re: Race from 100 to 250k
« Reply #3505 on: April 09, 2021, 09:12:18 PM »
Congratulations to all the graduates!  I am graduating, too: received a generous 10K gift but the market insanity alone had already pushed me past the finish line.

Good luck to everyone!

                  2013              2014              2015              2016              2017              2018              2019              2020              2021         
Jan      - $41,037 $48,036 $65,577 $86,475 $141,336 $116,979 $157,929 $223,873
Feb      - $41,015 $51,314 $67,797 $90,501 $141,721 $129,606 $143,009 $239,134
Mar      - $42,610 $57,524 $69,263 $94,392 $143,731 $128,446 $127,955 $264,278
Apr      - $26,827 $57,082 $71,867 $99,758 $148,049 $137,863 $147,792    
May      - $36,560 $61,362 $74,214 $104,781 $151,911 $129,570 $156,479    
Jun      - $40,034 $67,763 $76,317 $108,963 $154,145 $143,333 $161,043  
Jul      - $40,504 $65,547 $79,519 $117,786 $153,976 $139,237 $172,228  
Aug $40,287 $42,874 $65,235 $77,445 $121,655 $158,647 $137,632 $187,023  
Sep $41,480 $38,691 $60,187 $79,971 $126,209 $159,028 $140,318 $181,327  
Oct $41,146 $40,620 $61,857 $80,597 $130,084 $153,981 $145,147 $180,649  
Nov $39,198 $42,661 $61,071 $84,161 $132,291 $118,711 $151,707 $205,086  
Dec $41,053 $46,786 $64,910 $86,198 $137,954 $109,918 $156,396 $218,285  




Quote
Thread leaderboard & graph:
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0
« Last Edit: April 09, 2021, 09:14:36 PM by Psyche »

lexde

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Re: Race from 100 to 250k
« Reply #3506 on: April 11, 2021, 03:29:25 PM »
2016201720182019202020212022
January−$25,455.84 $5,425.45$39,221.40 $76,790.93$138,796.70
February−$22,211.80$10,258.54 $41,947.65 $77,246.03 $141,911.87
March−$19,748.45 $12,154.74 $50,162.54 $76,283.98 $159,641.31
April−$17,692.62 $17,827.73 $52,085.36 $83,523.93
May−$15,363.27$21,148.77$52,418.09$90,891.71
June−$12,546.11 $20,530.98 $56,440.85 $96,777.80
July−$7,715.53$24,663.52$61,918.23$106,276.69
August−$6,251.56 $27,622.02$65,774.08 $111,956.75
September−$31,750.11−$4,513.77$29,931.25 $65,412.44 $115,923.95
October−$31,013.64−$3,364.19 $29,468.94 $65,446.06 $113,835.48
November−$29,306.63 −$1,057.38$31,897.24$62,347.29$121,943.18
December−$27,015.16 $2,474.33 $33,203.90 $68,192.96 $130,715.91
Annual Gain$4,734.95$27,930.17$27,778.45$28,971.56$53,924.98

Big gain in March, just a few hundred dollars shy of my Q2 goal (may hit it with outstanding reimbursable expenses, if so I'll just come back and edit this post).

Goals Breakdown
Q4 2020: $130k Reached 12/30!
Q1 2021: $145k Reached 3/29!
Q2 2021: $160k Reached 4/11!
Q3 2021: $175k
Q4 2021: $200k
Q1 2022: $215k
Q2 2022: $230k
Q3 2022: $250k.



Projected Graduation date: December 2022

Prior Progress: Race from 10 to 100k!

Current NW: $161,788.00.

Hit my Q2 NW goal 11 days into the quarter. :-) At this rate, I will be around 200K at the end of Q3 and should graduate this thread sometime around September.

QuillScroll

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Re: Race from 100 to 250k
« Reply #3507 on: April 11, 2021, 05:11:29 PM »
11/29/2019 - 101000
12/23/2019 - 107000
01/16/2020 - 112410
02/14/2020 - 120820
03/13/2020 - 101566
04/20/2020 - 124054
05/18/2020 - 131047
06/30/2020 - 147672
07/27/2020 - 158240
08/18/2020 - 164002
09/16/2020 - 172639
10/19/2020 - 187470
11/16/2020 - 197938
12/15/2020 - 212337
01/15/2021 - 230371

04/10/2021 - 250935

Just over the mark. Will stay in this thread, see what the market does in the next month before moving on to next thread!!

JAYSLOL

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Re: Race from 100 to 250k
« Reply #3508 on: April 11, 2021, 08:21:23 PM »
2020
Jan 1 - 113.0
Feb 1 - 115.1 (+2,100)
Mar 1 - 110.4 (-4,700)
Apr 1 - 98.6 (-11,800)
May 1 - 107.5 (+8900)
June 1 - 115.5 (+8000)
July 1 - 118.4 (+2900)
Aug 1 - 127.3 (+8900)
Sept 1 - 128.8 (+1500)
Oct 1 - 126.3 (-2500)
Nov 1 - 123.0 (-3300)
Dec 1 - 126.0 (+3000)

2021
Jan 1 - 128.0 (+2000)
Feb 1 - 131.4 (+3400)
Mar 1 - 131.5 (+100)
Apr 1 - 132.5 (+1000)

Hmm, slow going so far, shooting for slow start, fast finish this year.  End of year goal is 160

Nederstash

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Re: Race from 100 to 250k
« Reply #3509 on: April 14, 2021, 07:00:54 AM »
2020
Jan 1 - 113.0
Feb 1 - 115.1 (+2,100)
Mar 1 - 110.4 (-4,700)
Apr 1 - 98.6 (-11,800)
May 1 - 107.5 (+8900)
June 1 - 115.5 (+8000)
July 1 - 118.4 (+2900)
Aug 1 - 127.3 (+8900)
Sept 1 - 128.8 (+1500)
Oct 1 - 126.3 (-2500)
Nov 1 - 123.0 (-3300)
Dec 1 - 126.0 (+3000)

2021
Jan 1 - 128.0 (+2000)
Feb 1 - 131.4 (+3400)
Mar 1 - 131.5 (+100)
Apr 1 - 132.5 (+1000)

Hmm, slow going so far, shooting for slow start, fast finish this year.  End of year goal is 160

Hey, we're still neck-and-neck! Though I expect to finish the year at 148.

Nederstash

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Re: Race from 100 to 250k
« Reply #3510 on: April 14, 2021, 07:02:12 AM »
11/29/2019 - 101000
12/23/2019 - 107000
01/16/2020 - 112410
02/14/2020 - 120820
03/13/2020 - 101566
04/20/2020 - 124054
05/18/2020 - 131047
06/30/2020 - 147672
07/27/2020 - 158240
08/18/2020 - 164002
09/16/2020 - 172639
10/19/2020 - 187470
11/16/2020 - 197938
12/15/2020 - 212337
01/15/2021 - 230371

04/10/2021 - 250935

Just over the mark. Will stay in this thread, see what the market does in the next month before moving on to next thread!!

Congrats!! Super well done!

JAYSLOL

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Re: Race from 100 to 250k
« Reply #3511 on: April 14, 2021, 06:02:58 PM »
2020
Jan 1 - 113.0
Feb 1 - 115.1 (+2,100)
Mar 1 - 110.4 (-4,700)
Apr 1 - 98.6 (-11,800)
May 1 - 107.5 (+8900)
June 1 - 115.5 (+8000)
July 1 - 118.4 (+2900)
Aug 1 - 127.3 (+8900)
Sept 1 - 128.8 (+1500)
Oct 1 - 126.3 (-2500)
Nov 1 - 123.0 (-3300)
Dec 1 - 126.0 (+3000)

2021
Jan 1 - 128.0 (+2000)
Feb 1 - 131.4 (+3400)
Mar 1 - 131.5 (+100)
Apr 1 - 132.5 (+1000)

Hmm, slow going so far, shooting for slow start, fast finish this year.  End of year goal is 160

Hey, we're still neck-and-neck! Though I expect to finish the year at 148.

Yeah, we are still very close, my goal of 160 is definitely on the optimistic-side, might still be very close by the end of the year.  Best of luck!

ResolLaTot

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Re: Race from 100 to 250k
« Reply #3512 on: April 22, 2021, 08:50:21 AM »
   Can't shed an ever mounting desire to GTFO of work for a year. So I'm jumping into THIS race to keep me from jumping out of the rat race too soon.   I'm only tracking investment accounts. keeping my savings/checking mentally earmarked as an emergency-sabbatical fund. I front loaded my 401k contributions  to max out at end of May. My stretch goal for December 2021 is 175k.

2021
April         $149,154

35andFI

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Re: Race from 100 to 250k
« Reply #3513 on: April 22, 2021, 10:15:46 AM »
Jan 2019   $88,323.07
Feb 2019   $97,575.00
Mar 2019   $105,804.17
Apr 2019   $110,146.48
May 2019   $118,815.81
Jun 2019   $116,686.93
Jul 2019   $127,984.34
Aug 2019   $131,602.10
Sep 2019   $135,237.23
Oct 2019   $139,487.25
Nov 2019   $144,270.40
Dec 2019   $152,659.87
Jan 2020   $160,640.81
Feb 2020   $164,138.30
Mar 2020   $155,416.96
Apr 2020   $139,647.77
May 2020   $160,299.16
Jun 2020   $170,029.43
Jul 2020   $174,449.14

Aug 2020   $187,530.68
Sep 2020   $203,000.99
Oct 2020   $199,803.23
Nov 2020   $198,784.09
Dec 2020   $223,921.98
Jan 2021   $242,306.83
Feb 2021   $247,596.01
Mar 2021   $254,075.59
Apr 2021   $269,736.41

And I'm out!!
« Last Edit: April 22, 2021, 10:18:15 AM by 35andFI »

Anon in Alaska

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Re: Race from 100 to 250k
« Reply #3514 on: April 23, 2021, 06:36:59 AM »
As of today $201,294 with Vanguard. About $22,000 in an HSA. A few thousand more in the credit union. Paid for condo and car. Way more groceries in my condo than 15 months ago. Total debt of $1,000 as a SBA loan at 3.75% to my side hustle job, which was somewhat hurt by the Coronavirus.

Vanguard up from $173,884 at the end of 20201, $147,117 at the end of 2019, $119,391 at the end of 2018, $101,027 at the end of 2017, $75,607 at the end of 2016 and $2,400 at the end of 2015.

I'm surprised by how much I have considering how little I've put in. (Purchases $103,700, returns $97,594).

bloodaxe

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Re: Race from 100 to 250k
« Reply #3515 on: April 26, 2021, 09:06:46 AM »
March 2020: 78,000
April 2020: 91,000
May 2020: 106,000
June 2020: 115,000
July 2020: 125,000
September 2020: 145,000
October 2020: 157,076.76
November 2020: 170,592.07
December 2020: 186,935
January 2021: 204,451
March 2021: 214,068
April 2021: 233,785.28
April 26, 2021: 252,949.69

Well, the race is over for me. Took around 11 months. Lots of luck in the stock market.

My income was ~180k and SR was ~84%.

See everyone on the other side.

margaretstewart.work

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Re: Race from 100 to 250k
« Reply #3516 on: April 27, 2021, 09:55:32 AM »
June 2019, hit my first milestone of $100,000 aged 29, on a $50,000 Canadian salary, but only 3 years that job. Previous jobs were no more than part time or mimimum wage while doing school intermittently. I did include my pension here, and recent vehicle purchase.

April 2021, hit 150,000; aged 31. Have included all cash, RRSP, TFSA, a very low conservative vehicle estimate. Not including substantial points accounts, but those will help in reducing grocery expenses for the next few years, allowing me to continue savings. Next estimate will include pension, as I don't have that number on hand right now.

I"m feeling really good about these numbers. I have no student debt, no car debt, no credit card debt. Most of my peers have several of those types of debt, and, pre-covid at least, ate out and ordered in several times a week. It adds up. I dont feel burdened by my choices, I eat a varied and healthy diet, and have enough activities and entertainment in my life.
« Last Edit: April 27, 2021, 10:01:33 AM by margaretstewart.work »

JAYSLOL

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Re: Race from 100 to 250k
« Reply #3517 on: April 28, 2021, 10:01:24 AM »
Jan 2019   $88,323.07
Feb 2019   $97,575.00
Mar 2019   $105,804.17
Apr 2019   $110,146.48
May 2019   $118,815.81
Jun 2019   $116,686.93
Jul 2019   $127,984.34
Aug 2019   $131,602.10
Sep 2019   $135,237.23
Oct 2019   $139,487.25
Nov 2019   $144,270.40
Dec 2019   $152,659.87
Jan 2020   $160,640.81
Feb 2020   $164,138.30
Mar 2020   $155,416.96
Apr 2020   $139,647.77
May 2020   $160,299.16
Jun 2020   $170,029.43
Jul 2020   $174,449.14

Aug 2020   $187,530.68
Sep 2020   $203,000.99
Oct 2020   $199,803.23
Nov 2020   $198,784.09
Dec 2020   $223,921.98
Jan 2021   $242,306.83
Feb 2021   $247,596.01
Mar 2021   $254,075.59
Apr 2021   $269,736.41

And I'm out!!

Nice!  You made quick work of this!

lexde

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Re: Race from 100 to 250k
« Reply #3518 on: April 29, 2021, 01:02:39 PM »
2016201720182019202020212022
January−$25,455.84 $5,425.45$39,221.40 $76,790.93$138,796.70
February−$22,211.80$10,258.54 $41,947.65 $77,246.03 $141,911.87
March−$19,748.45 $12,154.74 $50,162.54 $76,283.98 $159,641.31
April−$17,692.62 $17,827.73 $52,085.36 $83,523.93$178,733.43
May−$15,363.27$21,148.77$52,418.09$90,891.71
June−$12,546.11 $20,530.98 $56,440.85 $96,777.80
July−$7,715.53$24,663.52$61,918.23$106,276.69
August−$6,251.56 $27,622.02$65,774.08 $111,956.75
September−$31,750.11−$4,513.77$29,931.25 $65,412.44 $115,923.95
October−$31,013.64−$3,364.19 $29,468.94 $65,446.06 $113,835.48
November−$29,306.63 −$1,057.38$31,897.24$62,347.29$121,943.18
December−$27,015.16 $2,474.33 $33,203.90 $68,192.96 $130,715.91
Annual Gain$4,734.95$27,930.17$27,778.45$28,971.56$53,924.98

+$19,092.12
Another really solid month financially, but a really difficult month personally. Onward and upward.

Goals Breakdown
Q4 2020: $130k Reached 12/30/21!
Q1 2021: $145k Reached 3/29/21!
Q2 2021: $160k Reached 4/29/21!
Q3 2021: $175k Reached 4/29/21!
Q4 2021: $200k
Q1 2022: $215k
Q2 2022: $230k
Q3 2022: $250k.



Projected Graduation date: December 2022

Prior Progress: Race from 10 to 100k!

RWD

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Re: Race from 100 to 250k
« Reply #3519 on: April 29, 2021, 01:38:15 PM »
+$19,092.12

Projected Graduation date: December 2021
Fixed that for you

lexde

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Re: Race from 100 to 250k
« Reply #3520 on: April 29, 2021, 04:40:36 PM »
+$19,092.12

Projected Graduation date: December 2021
Fixed that for you
True! That was my original projected date before the new job. :-)

clynn

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Re: Race from 100 to 250k
« Reply #3521 on: April 30, 2021, 09:28:10 AM »
Jumping in!

Nov 2020  $ 204,524.36
Dec 2020 $213,875.86
Jan 2021 $213,646.10
Feb 2021 $223,561.66
March 2021 $242,171.04



April 2021: $255,117


I guess this means I'm graduating! That was fast! See you all on the other side!

windytrail

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Re: Race from 100 to 250k
« Reply #3522 on: April 30, 2021, 09:55:35 AM »
1/2016   -$41,000      
1/2017   -$19,000   +$22,000   
1/2018   $9,000   +$28,000   
1/2019   $29,500   +$20,500   +228%
1/2020   $70,500   +$41,000   +139%
6/1/2020   $111,116   +$40,616   +58%
7/1/2020   $128,000   +$16,884   +15%
8/1/2020   $136,000   +$8,000   +6%
8/31/2020   $144,858   +$8,858   +7%
9/30/2020   $147,009   +$2,151   +1%
10/31/2020   $150,073   +$3,064   +2%
11/30/2020   $174,474   +$24,401   +16%
1/1/2021   $190,979   +$16,505   +9%
2/1/2021   $198,243   +$7,264   +4%
3/1/2021   $208,142   +$9,899   +5%
4/1/2021   $220,468   +$12,326   +6%
5/1/2021   $238,094   +$17,626   +8%

Almost there! If things go well, could reach the goal on the one year anniversary of joining this thread.

JAYSLOL

  • Handlebar Stache
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Re: Race from 100 to 250k
« Reply #3523 on: April 30, 2021, 12:25:41 PM »
2020
Jan 1 - 113.0
Feb 1 - 115.1 (+2,100)
Mar 1 - 110.4 (-4,700)
Apr 1 - 98.6 (-11,800)
May 1 - 107.5 (+8900)
June 1 - 115.5 (+8000)
July 1 - 118.4 (+2900)
Aug 1 - 127.3 (+8900)
Sept 1 - 128.8 (+1500)
Oct 1 - 126.3 (-2500)
Nov 1 - 123.0 (-3300)
Dec 1 - 126.0 (+3000)

2021
Jan 1 - 128.0 (+2000)
Feb 1 - 131.4 (+3400)
Mar 1 - 131.5 (+100)
Apr 1 - 132.5 (+1000)
May 1 - 132.4 (-100)

Would have been a good month but paid cash for a used car

philli14

  • Bristles
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  • Posts: 319
Re: Race from 100 to 250k
« Reply #3524 on: April 30, 2021, 10:14:06 PM »
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)
1/11/19: 112,338 (+5227)
1/12/19: 120,227 (+7889)

1/01/20: 127,304 (+7077)
1/02/20: 131,547 (+4243)
1/03/20: 125,438 (-6109)
1/04/20: 114,410 (-11028)
1/05/20: 131,316 (+16906)
1/06/20: 143,277 (+11961)
1/07/20: 149,491 (+6214)
1/08/20: 158,440 (+8949)
1/09/20: 170,460 (+12020)
1/10/20: 170,416 (-44)
1/11/20: 172,359 (+1943)
1/12/20: 193,043 (+20684)

1/01/21: 203,920 (+10877)
1/02/21: 208,614 (+4694)
1/03/21: 220,643 (+12029)
1/04/21: 229,518 (+8875)
1/05/21: 245,137 (+15619)

A little startling how close I am to leaving this thread, feel very fortunate.

Feivel2000

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  • Age: 37
  • Location: Germany
Re: Race from 100 to 250k
« Reply #3525 on: May 01, 2021, 07:14:51 AM »
122.597 €
-2.965 €

In practice, this was a good month, in theory it looks bad. I bought a kitchen and financed it (at 0%, I think this is fine...). I added the kitchen debt to my debt, of course. So my networth took a hit. (In theory the active side increased, but I don't want to fool myself by thinking my kitchen is an asset or investment.)


2020
2021
2022
2023
2024
2025
Jan
...............
110.053 €
...............
...............
200.000 €
...............
Feb
...............
115.328 €
...............
...............
...............
...............
Mar
...............
123.950 €
...............
...............
...............
...............
Apr
...............
122.597 €
150.000 €
...............
...............
...............
May
...............
...............
...............
...............
...............
...............
Jun
...............
...............
...............
...............
...............
...............
Jul
87.134 €
...............
...............
...............
...............
...............
Aug
88.989 €
...............
...............
...............
...............
...............
Sept
90.473 €
...............
...............
...............
...............
250.000 €
Oct
90.093 €
...............
...............
...............
...............
...............
Nov
96.957 €
...............
...............
...............
...............
...............
Dec
103.130 €
...............
...............
...............
...............
...............


Spoiler: show
        Assets
             
         Debts
             
Flat
+ 84.000 €
Mortage
- 75.686 €
Unit-Linked Life Insurance
+ 53.330 €
Kitchen
-5.500 €
Fixed-Term Deposit
+ 2.000 €
ETFs
+ 36.062 €
Stockpicks
+ 9.753 €
Peer-To-Peer
+ 2.640 €
Crypto
+ 15.835 €
to-be-invested
+ 163 €

MudPuppy

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  • Posts: 1478
Re: Race from 100 to 250k
« Reply #3526 on: May 01, 2021, 07:22:36 AM »
I think the 0% financing is great! It’s something you were going to buy anyway. We did that when our HVAC shit the bed. I had the 6k saved up but the company offered me 0% for 5 years... yes please!

zygote

  • Bristles
  • ***
  • Posts: 420
Re: Race from 100 to 250k
« Reply #3527 on: May 01, 2021, 08:40:47 AM »
For context: I'm 31 in a HCOL city. I'm married, but these are my own numbers since we keep our finances separate. Includes cash, retirement, and credit cards, which are used for normal expenses and paid off in full every month.

3/18: $48,533.91 (found MMM and started tracking)
3/19: $83,762.93
8/19: $101,572.33 (graduated to this thread)
3/20: $118,287.76
3/21: $206,593.43
4/21: $211,501.00 (+$4,907.57, +2.38%)
5/21: $223,080.37 (+11,579.37, +5.47%)

Good month for me! Getting closer. If my current pace holds, I should be there in August, 2 years after I first joined this thread.

jiimmy

  • 5 O'Clock Shadow
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  • Age: 34
  • Location: Nevada
Re: Race from 100 to 250k
« Reply #3528 on: May 01, 2021, 08:42:16 AM »
Dec 1st, 2019 $101,254
Jan 1st, 2020 $105,996
Feb 1st, 2020 $107,546
Mar 1st, 2020 $103,600
Apr 1st, 2020 $94,632
May 1st, 2020 $106,626
June 1st, 2020 $115,759
July 1st, 2020 $121,201
Aug 1st, 2020 $129,365
Sep 1st, 2020 $138,008
Oct 1st, 2020 $138,063
Nov 1st, 2020 $140,562
Dec 1st, 2020 $156,916
Jan 1st, 2021 $165,589
Feb 1st, 2021 $168,856
Mar 1st, 2021 $175,421

Apr 1st, 2021 $182,975
May 1st, 2021 $194,917

It's quite the cherry-pick, but +100k in 13 months, woo hoo!

eav

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  • *
  • Posts: 82
  • Age: 28
Re: Race from 100 to 250k
« Reply #3529 on: May 01, 2021, 08:46:25 AM »
October: $100,753
November: Forgot to check! ~$103,000
December: $110,900
January 2021: $115,301
February 2021: $126,120
March 2021: $131,985
April 2021: $137,614
May 2021: $143,399 (also, no more student loans!)

peppermint

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  • Posts: 184
Re: Race from 100 to 250k
« Reply #3530 on: May 01, 2021, 08:58:10 AM »
12/2019 - $107584.51
01/2020 - $110275.32
02/2020 - $112541.25
03/2020 - $111798.73
04/2020 - $104009.25
05/2020 - $110144.85
06/2020 - $117347.04
07/2020 - $127842.20
08/2020 - $130977.05
09/2020 - $137485.43
10/2020 - $138465.64
11/2020 - $140222.66
12/2020 - $150053.85
01/2021 - $156537.17
02/2021 - $158405.83
03/2021 - $163636.31
04/2021 - $166594.94
05/2021 - $172437.77

Optimiser

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  • Location: PNW
Re: Race from 100 to 250k
« Reply #3531 on: May 01, 2021, 09:53:19 AM »
                       2017                2018                2019                2020                2021               
January     -57,500-28,30050043,700129,400
February-58,300-24,3005,00045,400119,000
March-50,400-25,10014,00045,300143,100
April-43,900-22,80012,70052,800142,300
May-46,300-23,7009,50059,400-
June-38,200-15,60011,50063,400-
July-41,300-15,10017,00070,900-
August-40,200-14,40019,90078,500-
September-33,200-15,20019,90080,700-
October-30,900-9,60026,20080,300-
November-34,000-8,90034,500108,900-
December-30,800-20037,200110,600-
« Last Edit: May 01, 2021, 09:57:59 AM by Optimiser »

Naomi

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  • *
  • Posts: 65
Re: Race from 100 to 250k
« Reply #3532 on: May 02, 2021, 03:03:54 AM »
2021   net worth     investments    debt
jan    $144,900     $367,500       $222,600
feb    $155,700     $382,600       $226,900
mar   $154,900     $381,900       $227,000
apr    $180,600     $404,800       $224,200
may   $197,500     $419,500       $222,200

mckaylabaloney

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  • Posts: 244
  • Age: 34
Re: Race from 100 to 250k
« Reply #3533 on: May 02, 2021, 08:06:09 AM »
                       2018                2019                2020                2021               
January     $(170,956.12)$(80,750.78)$(4,484.13)$124,124.66
February$(166,849.63)$(72,922.02)$(4,647.56)$125,821.73
March$(161,395.88)$(65,244.64)$398.59$136,847.83
April$(156,590.44)$(57,807.71)$(9,003.54)$145,677.69
May$(159,977.61)$(52,358.05)$8,209.01$164,438.72
June$(154,655.48)$(52,769.97)$19,606.73-
July$(149,000.22)$(39,802.87)$26,480.37-
August$(143,758.38)$(35,751.08)$40,657.65-
September$(139,839.66)$(45,074.66)$52,868.32-
October$(136,009.14)$(54,949.47)$53,926.77-
November$(137,519.76)$(53,156.01)$61,241.09-
December$(132,193.25)$(52,946.03)$78,742.07-
Annual gain$90,205.34$75,902.65$128,972.79-

Congrats @eav on getting rid of the student loans!

CanadianTeacher

  • 5 O'Clock Shadow
  • *
  • Posts: 42
Re: Race from 100 to 250k
« Reply #3534 on: May 02, 2021, 09:09:36 AM »
Been treating myself a lot lately to new toys, so most of the gains are from the market. Not a bad month. Thinking about where Id' been if I cut back on spending...

anuary 2018: $18,944.35
February 2018: $22,047.46
March 2018: $23,463.61
April 2018: $24,224.19
May 2018: $26,173
Jun 2018: $29,519.62

October 2018: $29,676.50
November 2018: $32,923.90
December 2018: $34,394.85
January 2019: $39,825.43
February 2019" $43,508.66
April 2019: $48,394.91
July 2019: $80,041.52
December 2019: $86,963.15

January 2020: $96,301.56
February 2020: $101,272.15.
March 2020: $102,362.65
April 2020: $98,415.77
May 2020:$111,832.84
June 2020: $116,958.23
July 2020: $125,945.15
August 2020: $130,494.78
September 2020: $136,844.71
October 2020: $131,422.24
November 2020: $133,493.15
December 2020: $147,149.14

January 2021: $149,313.19
February 2021: $158,168.99 (+5.9%)
March 2021: $159.365.46 (+0.8%)
April 2021: $170,344.02 (+6.9%)
May 2021: $179,276.00 ( +5.2%)

jdhansen

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  • *
  • Posts: 68
Re: Race from 100 to 250k
« Reply #3535 on: May 02, 2021, 12:48:49 PM »
2/6/2021    $110,058
3/6/2021    $129,663
4/2/2021    $144,239
5/2/2021    $168,072

Progress is continuing much faster than I had anticipated.  Not sure where the growth is coming from but we will take it.  Haven't changed our savings rate, unless the DW is secretly putting money into our accounts when I'm not looking and if she is, I won't complian.

haypug16

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  • Location: Boston, MA
Re: Race from 100 to 250k
« Reply #3536 on: May 02, 2021, 07:36:18 PM »
Hi Everyone,

I have just graduated from the 10k-100k race so here I am. :) Current goal is to finish this race in July 2023. Hoping to push it and cross the finish line sooner but as things look right now that's were I'm at.


April 2021 Update
3/31/2017 (52,848.85) - Found MMM
3/31/2018 $(14,916.69) - 1 year in
3/31/2019 $9,917.20 - 2 years in
3/31/2020 $22,896.16 - 3 years in
3/31/2021 $92,842.32 - 4 years in
4/30/2021 $100,212.15 - Current balance

Sugaree

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Re: Race from 100 to 250k
« Reply #3537 on: May 03, 2021, 04:26:54 AM »
Net Worth201920202021
January          $49,378.04          $90,928.02        $161,747.01
February$50,300.10$93,896.81$162,883.32
March$59,373.49$100,165.23$173,923.10
April$59,558.47$94,297.23$183,031.09
May$64,340.45$106,341.84$186,124.71
June$64,940.28$113,372.31$     -   
July$70,156.02$120,466.05$     -   
August$74,302.64$127,953.51$     -   
September$74,328.43$135,625.59$     -   
October$78,067.76$137,857.32$     -   
November$81,274.16$136,857.08$     -   
December$88,148.59$152,706.85$     -     
   
Annual gain$38,770.55$61,778.83$     -   


Had a larger-than-normal spending month, so any forward progress is good news this month.

FICurious

  • 5 O'Clock Shadow
  • *
  • Posts: 54
  • Location: Ohio
Re: Race from 100 to 250k
« Reply #3538 on: May 03, 2021, 06:08:35 AM »

This will track only my investments and savings.

Apr 2011:  $49k
Jan 2013:  $80K 
Jan 2014:  $97k
Jan 2015:  $100k   
Jan 2016:  $103k   
Jan 2017:  $108k
Jan 2018:  $127k
Jan 2019:  $133k
Jan 2020: $171,809   
Jan 2021: $200,820
01 Feb 2021: $203,845
01 Mar 21: $210,555
01 Apr 21: $214,681

1 May 21: $222,830

Monthly Google Doc Tracker:  https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0    *Just put in your numbers. Do not sort.*

Master of None

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Re: Race from 100 to 250k
« Reply #3539 on: May 03, 2021, 08:01:09 AM »
4/1/19-$102,995.86
5/1/19- $103,951.81
7/1/19- $110,074.26
8/1/19- $112,049.87
9/4/19- $111,441.64
11/1/19- $119,582.07
12/2/19- $124,511.64
1/2/20- $130,371.79
Buried my head in the sand the last few months, but now I've come out to check on my progress. Glad I ignored everything and just kept investing as planned.
2/3/20- $128482.56
3/1/20- $131004.08
4/1/20- $107340.93
5/1/20- $124514.08
6/1/20- $137013.82
7/1/20- $140654.19
8/3/20- $148634.10
9/1/20- $158343.22
10/1/20- $155,463.51- yuck...just keep swimming!
11/1/20- What the heck...I missed a month!
12/1/20- $175469.04
1/3/21- $184,692.76
2/2/21- $190,741.26
3/2/21- $200,580.85
4/2/21- $208,094.81
5/3/21- $217,401.97

okisok

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Re: Race from 100 to 250k
« Reply #3540 on: May 03, 2021, 06:06:17 PM »
July 1: $94,885
August 1: $99,157
September 1: $96,161
October 1: $92,650
November 1: $94,512
November 28: $104,403.57

Just made it to this thread! I started my MMM journey in 2017 with a NW of $11,000. I've averaged about $60k per year over the last three years. Less this year, due to Covid-related loss of commission, layoff, and starting a new job. The silver lining of this year was increased savings due to lowered spending during quarantine.
Everyone says the first 100k is the hardest, so I'm looking forward to the easy glide to $250k :)

Dec 1 2020 $103, 694
Jan 1 2021 $106,123
Feb 1 2021 $107,022
Mar 1 2021 $109,254
Apr 1 2021 $114, 473
May 1 2021 $120,521

It has been easier than I thought. A lot of market gains, for sure. The rest is tight budgeting and good use of any 'found' money. Gaming my grocery bill, utility bills, etc, to see how low I can go. Already put April's extra paycheck straight into savings and planning on doing the same with December's. I can feel the progress!

Nederstash

  • Bristles
  • ***
  • Posts: 414
Re: Race from 100 to 250k
« Reply #3541 on: May 08, 2021, 03:33:36 AM »
Sep 20 120,976
Oct 20 121,341
Nov 20 123,130
Dec 20 129,299
Jan 21 131,476
Feb 21 132,776
Mar 21 133456
Apr 21 136055
May 21 138224

Cezil

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  • Posts: 225
  • Age: 35
  • Location: Great Lakes region
Re: Race from 100 to 250k
« Reply #3542 on: May 10, 2021, 06:57:08 AM »
                       2016                2017                2018                2019                2020                2021                2022               
January     -$39,268.86$65,122.37$81,866.77$115,567.59$163,613.18-
February-$40,863.10$67,352.98$87,222.31$111,573.16$167,970.17-
March-$42,371.10$66,410.59$88,865.95$99,504.35$176,616.97-
April-$43,864.83$65,377.11$93,050.94$111,360.82$180,431.85-
May-$44,450.52$68,032.74$91,719.70$118,208.83--
June-$47,031.44$68,405.97$95,665.54$122,592.19--
July-$48,401.46$70,232.18$99,502.49$128,466.93--
August-$49,222.48$72,016.38$98,339.71$137,931.07--
September-$51,435.45$73,657.42$102,459.81$134,150.29--
October-$52,990.22$71,492.09$104,199.94$135,243.05--
November-$55,388.92$75,678.29$109,178.17$150,933.68--
December$32,870.70 $58,271.55$72,493.16$111,642.78$159,144.91--
Annual gain$32,870.70$25,400.85$14,221.61$39,149.62$47,502.13--

zee dot

  • Stubble
  • **
  • Posts: 187
Re: Race from 100 to 250k
« Reply #3543 on: May 11, 2021, 11:25:40 AM »
9/2017 (168,529.23)
10/2017 (156,730.67)
12/2017 (155, 778.96)
1/2018 (146,335.62)
2/2018 (146,208.20)
3/2018 (90,769.56) annual bonus
4/2018 (83,753.06)
6/2018 (73,857.57)
9/2018 (61,215.95)
10/2018 (51,434.89)
12/2018 $90,683.73 (sold a house)
01/2019 $96,400.22
02/2019 $150,040.56 (annual bonus)
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)
11/2019 $157,752.34
12/2019 $161,956.70
1/2020 $240,295.73 (raise, bonus, market movement)
2/2020 $233,248.37
3/2020 $210,091.77 (COVID-19 market movement)
4/2020 $239,976.10
5/2020 $254,753.20
6/2020 $267,135.65
7/2020 $285,722.37
8/2020 $304,363.96
9/2020 $153,230.49 (bought cabin)
10/2020 $161,197.31
11/2020 $192,106.43
12/2020 $205,038.87
01/2021 $not handy
02/2021 $232,317.39 (bonus)
03/2021 $222,866.68
04/2021 $224,317.47

Em-Dog

  • 5 O'Clock Shadow
  • *
  • Posts: 33
Re: Race from 100 to 250k
« Reply #3544 on: May 11, 2021, 02:37:32 PM »
Month     Ending balance                     
May-21   $190,532.59                      
Apr-21   $183,963.28                      
Mar-21   $135,298.29                      
Feb-21   $129,160.10    * Paid off student loans!                  
Jan-21   $117,963.53                      
Dec-20   $118,877.17                      
Nov-20   $95,120.05    * Was previously saving cash for a downpayment $100k but realized we shouldn't buy in this HCOL area and I missed out on a lot of market gains by holding the cash, so I've slowly been funneling it to my brokerage account (Hence the big jumps from here forward)
                  
Oct-20   $69,866.30                      
Sep-20   $69,042.70                      
Aug-20   $69,345.30                      
Jul-20   $63,678.34                      
Jun-20   $58,783.50                      
May-20   $55,517.05                      
Apr-20   $50,763.20       * Started reading MMM and saving more, but was saving cash {Facepalm}               
Mar-20   $45,431.00                      
Feb-20   $48,605.23                      
Jan-20   $52,635.65                      
Dec-19   $51,547.28                      
Nov-19   $46,935.09                      
Oct-19   $43,731.91                      
Sep-19   $41,343.22                      
Aug-19   $30,641.97                      
Jul-19   $31,357.67                      
Jun-19   $27,726.36                      
May-19   $24,272.62                      
Apr-19   $25,628.40                      
Mar-19   $23,011.13                      
Feb-19   $28,143.54                      
Jan-19   $19,460.94                      
Dec-18   $16,589.29                      
Nov-18   $16,332.01                      
Oct-18   $16,043.81                      
Sep-18   $17,379.82                      
Aug-18   $17,375.18                      
Jul-18   $17,057.21                      
Jun-18   $16,624.53                      
May-18   $16,646.19                      
Apr-18   $13,641.43                      
Mar-18   $12,258.67                      
Feb-18   $12,413.65                      
Jan-18   $11,592.01                      
Dec-17   $9,918.12                      
Nov-17   $7,398.48                      
Oct-17   $6,064.22                      
Sep-17   $4,759.59    * Started contributing to my 401k      

Only counting my 401k and taxable brokerage account here, but I want in and some accountability. No debt!         
« Last Edit: May 11, 2021, 02:44:05 PM by Em-Dog »

Huskerfan

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  • Posts: 111
Re: Race from 100 to 250k
« Reply #3545 on: May 11, 2021, 10:11:17 PM »

My stats:

Jul2019 — $101953
Aug2019 — $106277
Sep2019 — $111050
Oct2019 — $114791
Nov2019 — $120215
Dec2019 — $122692
Jan2020 — $120521
Feb2020 — $123625
Mar2020 — $124248
Apr2020 — $133240
May2020 — $145475
Jun2020 — $143581
Jul2020 — $151652
Aug2020 — $155546
Sep2020 — $149687
Oct2020 — $161159
Nov2020 — $182840
Dec2020 — $197090
Jan2021 — $197402
Feb2021 — $218863
Mar2021 — $229977
Apr2021 — $241104


Numbers updated thru the last day of the month. 
April returns were better than March (slightly). I am for the most part sticking to my strategy, and will be in the laying low for the first part of May.


My unofficial goal is to pop up to $250k by the end of DEC 2021. It’s going to take some good gains and avoiding any larger drops.  I’m excited to see how 2021 goes.  The “meet my goal of 6% gains for the year” puts me at needing a total of around $230k.  Obviously I’m trying to pump that number up a little.  I’ll be happy to reach that goal, but very happy to reach the $250k.

Good luck to all

YarnBudget

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  • Age: 31
  • Location: Massachusetts
Re: Race from 100 to 250k
« Reply #3546 on: May 16, 2021, 09:02:13 AM »
Hello, all! I graduated from the race to $100k at the end of April and have waffled about whether I should tempt the market by posting here, but I want in so here goes!

EOY 2019 = $32,211.58
EOY 2020 = $79,741.14
Jan 2021 = $82,136.05 (+$2,394.91)
Feb 2021 = $87,168.43 (+$5,032.38)
Mar 2021 = $94,241.61 (+$7,073.18)
Apr 2021 = $102,121.70 (+$7,880.09)

Projected graduation date is August of 2024, so I think my stretch goal will be to graduate in under three years in March of 2024.

GatorNation

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Re: Race from 100 to 250k
« Reply #3547 on: May 18, 2021, 01:28:10 PM »
I have now graduated to this thread.


Jan 1, 2020- ($106,695.56)
Dec 1, 2020- $16,441.11   
Jan 1, 2021-  $26,005.07   
Feb 1, 2021-  $38,479.28
Mar 1, 2021-  $50,563.25
Apr 1, 2021- $78,703.27
May 1, 2021- $97,225.14
May 15, 2021-   $101,183.45. 

Em-Dog

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Re: Race from 100 to 250k
« Reply #3548 on: May 18, 2021, 02:29:10 PM »
Congrats Yarnbudget and GatorNation. Keep rocking!

ResolLaTot

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Re: Race from 100 to 250k
« Reply #3549 on: May 21, 2021, 10:32:25 AM »
   Can't shed an ever mounting desire to GTFO of work for a year. So I'm jumping into THIS race to keep me from jumping out of the rat race too soon.   I'm only tracking investment accounts. keeping my savings/checking mentally earmarked as an emergency-sabbatical fund. I front loaded my 401k contributions  to max out at end of May. My stretch goal for December 2021 is 175k.

2021
April  =  $149,154
May. =   $153,211

I have one more contribution to max 401k for 2021, then it's on to max HSA in June. Progress will slow in July unless I begin to make monthly taxable brokerage contributions.