Race from 100 to 250k

[okisok]

Jan 1 2022 $117, 086
Feb 1 2022 $118,874

Savings rate has slowed way down since I purchased a house in late 2021. A few minor repairs, tools, investing in some money-saving upgrades that will pay out in the future but took away from the savings amount upfront. I'm just letting the money add up without worrying about graduating right now.

[hal]

Not a great month in the markets, but did get some good contributions in with HSA especially. Wife is now maxing out her 401k, too.

Liquid net worth, measured at month end

Networth	2019	2020	2021	2022
January		$49,671.41	$89,734.74	$164,087.20
February		$52,154.69	$97,368.00	$ -
March		$51,335.72	$107,819.45	$ -
April		$49,734.90	$118,117.31	$ -
May		$49,879.73	$123,915.09	$ -
June		$44,423.16	$130,783.23	$ -
July		$43,823.37	$129,896.18	$ -
August	$39,708.84	$44,173.61	$133,609.86	$ -
September	$41,692.39	$44,286.81	$139,064.22	$ -
October	$43,862.27	$64,244.96	$147,259.49	$ -
November	$46,060.79	$73,507.69	$149,014.05	$ -
December	$49,041.98	$81,093.53	$158,565.77	$ -
Annual Gain	$-	$32,051.55	$77,472.24	$ -
Savings Rate	21.42%	40.87%	49.25%	65.51% (so far)

[JAYSLOL]

Not a great month in the markets, but did get some good contributions in with HSA especially. Wife is now maxing out her 401k, too.

Liquid net worth, measured at month end

Networth	2019	2020	2021	2022
January		$49,671.41	$89,734.74	$164,087.20
February		$52,154.69	$97,368.00	$ -
March		$51,335.72	$107,819.45	$ -
April		$49,734.90	$118,117.31	$ -
May		$49,879.73	$123,915.09	$ -
June		$44,423.16	$130,783.23	$ -
July		$43,823.37	$129,896.18	$ -
August	$39,708.84	$44,173.61	$133,609.86	$ -
September	$41,692.39	$44,286.81	$139,064.22	$ -
October	$43,862.27	$64,244.96	$147,259.49	$ -
November	$46,060.79	$73,507.69	$149,014.05	$ -
December	$49,041.98	$81,093.53	$158,565.77	$ -
Annual Gain	$-	$32,051.55	$77,472.24	$ -
Savings Rate	21.42%	40.87%	49.25%	65.51% (so far)

Wow, your 2021 50% savings rate was great, 65% is crazy good, are you trying to keep it at that level?  I haven’t quite cracked 50% yet, I’m hoping to get really close this year though

[hal]

Not a great month in the markets, but did get some good contributions in with HSA especially. Wife is now maxing out her 401k, too.

Liquid net worth, measured at month end

Networth	2019	2020	2021	2022
January		$49,671.41	$89,734.74	$164,087.20
February		$52,154.69	$97,368.00	$ -
March		$51,335.72	$107,819.45	$ -
April		$49,734.90	$118,117.31	$ -
May		$49,879.73	$123,915.09	$ -
June		$44,423.16	$130,783.23	$ -
July		$43,823.37	$129,896.18	$ -
August	$39,708.84	$44,173.61	$133,609.86	$ -
September	$41,692.39	$44,286.81	$139,064.22	$ -
October	$43,862.27	$64,244.96	$147,259.49	$ -
November	$46,060.79	$73,507.69	$149,014.05	$ -
December	$49,041.98	$81,093.53	$158,565.77	$ -
Annual Gain	$-	$32,051.55	$77,472.24	$ -
Savings Rate	21.42%	40.87%	49.25%	65.51% (so far)

Wow, your 2021 50% savings rate was great, 65% is crazy good, are you trying to keep it at that level?  I haven’t quite cracked 50% yet, I’m hoping to get really close this year though

Thanks! The goal for the year overall is ~55% or so, but stretch for 60-62%. January is likely to be a higher SR month because it's cheaper (no holidays or travel) and my SO and I have companies that contribute to our HSAs at the start of the year. I'm also lucky to have just gotten a promotion that kicked in at the start of the year.

50% will be a big accomplishment, I think you can do it!!

[Stubblestache]

@jdhansen  thanks, the other option is to convert £ into $, then I'll be over the threshold again :D

[JAYSLOL]

Not a great month in the markets, but did get some good contributions in with HSA especially. Wife is now maxing out her 401k, too.

Liquid net worth, measured at month end

Networth	2019	2020	2021	2022
January		$49,671.41	$89,734.74	$164,087.20
February		$52,154.69	$97,368.00	$ -
March		$51,335.72	$107,819.45	$ -
April		$49,734.90	$118,117.31	$ -
May		$49,879.73	$123,915.09	$ -
June		$44,423.16	$130,783.23	$ -
July		$43,823.37	$129,896.18	$ -
August	$39,708.84	$44,173.61	$133,609.86	$ -
September	$41,692.39	$44,286.81	$139,064.22	$ -
October	$43,862.27	$64,244.96	$147,259.49	$ -
November	$46,060.79	$73,507.69	$149,014.05	$ -
December	$49,041.98	$81,093.53	$158,565.77	$ -
Annual Gain	$-	$32,051.55	$77,472.24	$ -
Savings Rate	21.42%	40.87%	49.25%	65.51% (so far)

Wow, your 2021 50% savings rate was great, 65% is crazy good, are you trying to keep it at that level?  I haven’t quite cracked 50% yet, I’m hoping to get really close this year though

Thanks! The goal for the year overall is ~55% or so, but stretch for 60-62%. January is likely to be a higher SR month because it's cheaper (no holidays or travel) and my SO and I have companies that contribute to our HSAs at the start of the year. I'm also lucky to have just gotten a promotion that kicked in at the start of the year.

50% will be a big accomplishment, I think you can do it!!

I hope so!  It would be a very big milestone for me.  If I crank up some side hustles I’ll be in better shape to do it.  In the past I’ve only tracked NW increase, but this year I’ve decided to track savings and savings rate more closely to encourage myself to save and invest a little harder

[TerrierTown]

01 Jun 2019 NW £44,112 - started MMM
17 Feb 2021 NW £86,418 (+£2,495)
17 Mar 2021 NW £89,618 (+£3,200)
16 Jun 2021 NW £94,039 (+£4,421)
16 Sep 2021 NW £97,382 (+£3,343)
15 Oct 2021 NW £99,683  (+£2,301)
15 Nov 2021 NW £103,629 (+£3,946) - biggest monthly increase so far
15 Dec 2021 NW £105.139 (+1,510)
18 Jan 2022 NW £107,189 (+ £2,050)
16 Feb 2022 NW £110,250 (+ £3,061)

[CanadianTeacher]

January 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%)
June 2021: $197,826.75 (+10.3%)
July 2021: $199, 591.41 (+.89%)
August 2021: $202,218.51 (+1.3%)
September 2021: $201,763.82 (-0.2%)
October 2021: $210,788.99 (+4.5%)
November 2021: $216,066.77 (+2.5%)
December 2021: $224,210.94 (+3.8%)

January 2022: $216,791.87 (-3.3%)
February 2022: $219,450.86  (+1.2%)

The right trajectory but still not recovered to my December balance. Hopefully the markets are better this month.... not sure if I'll make it to $250,000 by the end of June as initially planned.

[JCGreen]

I include money that is invested for retirement accounts , but not value of savings for specific items (car insurance for the year etc.) or checking accounts as it is money I will likely use this month. I am hoping to hit 150k by Jun 2022.

Net worth:
2018:                         2019                2020             2021              2022
Jan                          $27,100           $45,839         $89,090         $130,904
Feb                          $29,443           $43,345         $86,608 
Mar                         $31,603            $39,081         $98,860
Apr    $13,200          $33,959           $47,551         $106,604
May                         $33,933           $51,613         $107,294
Jun                          $37,928           $56,760         $111,827
Jul                           $39,736           $61,567         $116,999
Aug  $22,800           $39,918            $68,102        $122,191
Sep  $23,645           $34,179            $68,212        $121,891
Oct   $23,658           $38,091           $68,976         $130,532
Nov  $23,948           $39,867            $76,790        $133,720
Dec  $23,960           $43,836            $82,778        $139,448                       

Feb2022: $131,274.39 (+$370.28) Bad month in the stock market, also paid ~3k in vet bills. Not a great month, but I think next month is going to be better

[Stubblestache]

July 2018 - £20,385
 - Annual gain 2018 - £4,119

Jan 2019 - £25,295
Nov 2019 - £38,588
 - Annual gain 2019 - £13,293

Jan 2020 - £43,260
Aug 2020 - £50,172
Dec 2020 - £62,638
 - Annual gain 2020 - £19,108

Jan 2021 - £64,542
Dec 2021 - £105,802 (graduated to next thread!)
 - Annual gain 2021 - £41,278

Jan 2022 - £91,915
Feb 2022 - £91,765

Had to rebuild my cash buffer to six months expenses (not included in total) but still managed to put £1.1k into investments.  One more month of this and I'll accept defeat and head back to the 10-100k thread :D

[Feivel2000]

138.954 €
+ 713 €
33% Savings Rate

Finally I am not in the reds, at least after adding my savings... To speed up the road to FIRE, I took out a 30.000€ loan at 2.49% which will go mostly into crypto. It is risky, but worth the risk.

	2020	2021	2022	2023	2024	2025
Jan	...............	110.053 €	138.241 €	...............	200.000 €	...............
Feb	...............	115.328 €	138.954 €	...............	...............	...............
Mar	...............	123.950 €	...............	...............	...............	...............
Apr	...............	122.597 €	150.000 €	...............	...............	...............
May	...............	120.440 €	...............	...............	...............	...............
Jun	...............	124.056 €	...............	...............	...............	...............
Jul	87.134 €	127.401 €	...............	...............	...............	...............
Aug	88.989 €	134.533 €	...............	...............	...............	...............
Sept	90.473 €	133.571 €	...............	...............	...............	250.000 €
Oct	90.093 €	143.292 €	...............	...............	...............	...............
Nov	96.957 €	144.693 €	...............	...............	...............	...............
Dec	103.130 €	143.712 €	...............	...............	...............	...............
Change	~20.000 €	+40.582 €	...............	...............	...............	...............

[JAYSLOL]

2022
Jan 1st - $162,300
Feb 1st - $160,600 (-1700)
Mar 1st - $161,100 (+500)

[Sugaree]

Net Worth	2019	2020	2021	2022
January	$49,378.04	$90,928.02	$161,747.01	$229,977.41
February	$50,300.10	$93,896.81	$162,883.32	$217,510.91
March	$59,373.49	$100,165.23	$173,923.10	$220,602.56
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	$189,866.01	$     -
July	$70,156.02	$120,466.05	$194,364.35	$     -
August	$74,302.64	$127,953.51	$197,286.96	$     -
September	$74,328.43	$135,625.59	$205,953.08	$     -
October	$78,067.76	$137,857.32	$201,884.29	$     -
November	$81,274.16	$136,857.08	$215,701.01	$     -
December	$88,148.59	$152,706.85	$217,143.43	$     -
Annual gain	$41,549.98	$70,818.99	$68,230.40	$     -

This was my projected graduation date, but didn't make it.  Ended up slightly ahead (but not yet back to Dec levels) due to a larger than normal cash influx this month.  But also had a bunch of vet bills and have a large annual insurance bill coming up.  All that to say next month isn't looking great either.  C'est la vie.  I'll get there when I get there.

[bcbaseballman]

2018                             2019                              2020                            2021                          2022
1/31: (5949.05)              1/31: 13,493.35              1/31: 44,514                 1/31: 85,576               1/31: 137,128
2/28: (5288.30)              2/28: 15,766.50              2/29: 48,891                 2/28: 86,616
3/31: (4273.93)              3/31: 19,286                   3/31: 46,104                 3/31: 94,009
4/30: (2592.07)              4/30: 19,283                   4/30: 52,720                 4/30: 96,128
5/31: (629.70)                5/31: 18,676                   5/31: 55,177                 5/31: 95,056
6/30: 1,206.77                6/30: 22,362                   6/30: 59,720                 6/30: 96,201
7/31: 2,703.97                7/31: 24,646                   7/31: 65,792                 7/31: 97,017
8/31: 5,651.70                8/30: 27,199                   8/31: 71,970                 8/30: 133,097
9/31: 8,039.01                9/31: 30,664                   9/30: 72,466                 9/30: 129,725
10/31: 7,803.49              10/31: 33,343                 10/31: 72,288               10/31: 135,443
11/30: 9,531.28              11/30: 35,249                 11/30: 80,093               11/30: 132,452
12/31: 9,296.79              12/31: 39,079                 12/31: 84,002               12/31: 139,677
Gain: 15,245.84                         29,783                            44,923                           55,655

2/28/2022: 132,607

I have been in a rut here lately. Not only have the markets not been good but I also have been spending way more than what I should. Really need to get back on track and move forward again.

[peppermint]

01/2021 - $156537.17
02/2021 - $158405.83
03/2021 - $163636.31
04/2021 - $166594.94
05/2021 - $172437.77
06/2021 - $175987.02
07/2021 - $132636.84 (bought house)
08/2021 - $142046.81
09/2021 - $140320.59
10/2021 - $138836.11
11/2021 - $148459.81
12/2021 - $147177.41
01/2022 - $152961.87
02/2022 - $150083.47
03/2022 - $150493.41

The markets were not kind this month!

[jdhansen]

Dec 2021  $221,090
Jan 2022 $214,407
Feb 2022 $209,219

Seems the markets are going to keep pushing me in the wrong direction.  Oh well, buying stocks for less than they were and it can't go down forever :)

[FICurious]

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
Jan 2022: $241,685
Feb 2022: $232,246

Mar 2022: $230,653

A down month another month.

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

[GatorNation]

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
Jun 1, 2021- $105,467.38
Jul 1, 2021- $140,772.33
Aug 1, 2021- $156,162.34
Sep 1, 2021- $168,711.69
Oct 1, 2021- $184,767.41
Nov 1, 2021- $198,214.45
Dec 1, 2021- $203,391.38
Jan 1, 2022- $244,015.04
Feb 1, 2022- $244,284.96
March 1, 2022- $248,311.22

Almost no increase since the beginning of the year due to stock market losses. 

[CTEC_Stache]

I posted about two months ago in the $250k - $500k for my total NW including equity in my home and the current value of my pension. At the same time I posted in the $10k - $100k thread and was only tracking liquid assets instead of NW. These liquid assets include: my 403(b), DW 401(k), my rIRA, a couple of taxable brokerage accounts, and cash. I started actively tracking my NW and assets in late 2019 but the model and format that I have used has evolved quite a bit since then; for example, in 2019 I didn't differentiate between liquid assets and total assets so I don't have this information prior to July of last year. Due to an inheritance windfall I have graduated to this thread. I'm dealing with some guilt from inheriting money from my grandpa but I'm hoping that putting the money to work for my family and our future will help with that.
         


              2021           2022
JAN          -              $51,061
FEB          -              $49,155
MAR         -              $113,346 (windfall)
APR         -
MAY         -
JUN         -
JUL        $61,529
AUG       $50,910
SEP        $50,508
OCT       $54,173
NOV       $53,802
DEC       $51,533

[mgardner88]

7/1/2020: $46,295
8/1/2020: $49,461 (+3,166)
9/1/2020: $51,488 (+2,027)
10/1/2020: $52,753 (+1,265)
11/1/2020: $53,942 (+1,189)
12/1/2020: $56,152 (+2,210)
1/8/2021: $63,512 (+7,360)
2/5/2021: $67,571 (+4,059)
3/3/2021: $70,618 (+3,047)
4/2/2021: $74,861 (+4,243)
5/5/2021: $80,447 (+5,586)
6/7/2021: $84,957 (+4,510)
7/6/2021: $90,092 (+5,135)
8/5/2021: $96,511 (+6,419)
9/3/2021: $98,221 (+1,710)
10/8/2021: $101,351 (+3,130)
11/2/2021: $108,952 (+7,601)
12/2/2021: $111,949 (+2,997)
1/5/2022: $119,012 (+7,843)
2/2022: MISSED
3/3/2022: $119,373 (+361)

Well there it is. Lol, we were out of the state most of February and i didnt even bother looking at the market so im not entirely sure how much it fell in February. We just keep chugging along with our contributions.

[hal]

We ended up spending more money than planned in February, thanks to meeting a bunch of new friends in our (new) city. Maybe some of that was pent-up from the pandemic... and we are trying to be less miserly when it comes to getting drinks on occasion. There are benefits to socializing/making new connections...just need to be mindful of how much we spent.

Still invested around $7,500 this month...but of course the markets didn't do that well. Stocks were on sale, I guess :)
---


Liquid net worth, measured at month end

Networth	2019	2020	2021	2022
January		$49,671.41	$89,734.74	$164,087.20
February		$52,154.69	$97,368.00	$164,957.62
March		$51,335.72	$107,819.45	$ -
April		$49,734.90	$118,117.31	$ -
May		$49,879.73	$123,915.09	$ -
June		$44,423.16	$130,783.23	$ -
July		$43,823.37	$129,896.18	$ -
August	$39,708.84	$44,173.61	$133,609.86	$ -
September	$41,692.39	$44,286.81	$139,064.22	$ -
October	$43,862.27	$64,244.96	$147,259.49	$ -
November	$46,060.79	$73,507.69	$149,014.05	$ -
December	$49,041.98	$81,093.53	$158,565.77	$ -
Annual Gain	$-	$32,051.55	$77,472.24	$ -
Savings Rate	21.42%	40.87%	49.25%	59.98% (so far)

[hal]

I posted about two months ago in the $250k - $500k for my total NW including equity in my home and the current value of my pension. At the same time I posted in the $10k - $100k thread and was only tracking liquid assets instead of NW. These liquid assets include: my 403(b), DW 401(k), my rIRA, a couple of taxable brokerage accounts, and cash. I started actively tracking my NW and assets in late 2019 but the model and format that I have used has evolved quite a bit since then; for example, in 2019 I didn't differentiate between liquid assets and total assets so I don't have this information prior to July of last year. Due to an inheritance windfall I have graduated to this thread. I'm dealing with some guilt from inheriting money from my grandpa but I'm hoping that putting the money to work for my family and our future will help with that.
         


              2021           2022
JAN          -              $51,061
FEB          -              $49,155
MAR         -              $113,346 (windfall)
APR         -
MAY         -
JUN         -
JUL        $61,529
AUG       $50,910
SEP        $50,508
OCT       $54,173
NOV       $53,802
DEC       $51,533

Sorry for your loss. I think you are doing the right thing with the inheritance. Investing inheritance, rather than doing something irresponsible, is a way of being a good steward of your grandfather's legacy. It may just so happen that your own investing could lead to passing wealth on to others one day.

[CTEC_Stache]

I posted about two months ago in the $250k - $500k for my total NW including equity in my home and the current value of my pension. At the same time I posted in the $10k - $100k thread and was only tracking liquid assets instead of NW. These liquid assets include: my 403(b), DW 401(k), my rIRA, a couple of taxable brokerage accounts, and cash. I started actively tracking my NW and assets in late 2019 but the model and format that I have used has evolved quite a bit since then; for example, in 2019 I didn't differentiate between liquid assets and total assets so I don't have this information prior to July of last year. Due to an inheritance windfall I have graduated to this thread. I'm dealing with some guilt from inheriting money from my grandpa but I'm hoping that putting the money to work for my family and our future will help with that.
         


              2021           2022
JAN          -              $51,061
FEB          -              $49,155
MAR         -              $113,346 (windfall)
APR         -
MAY         -
JUN         -
JUL        $61,529
AUG       $50,910
SEP        $50,508
OCT       $54,173
NOV       $53,802
DEC       $51,533

Sorry for your loss. I think you are doing the right thing with the inheritance. Investing inheritance, rather than doing something irresponsible, is a way of being a good steward of your grandfather's legacy. It may just so happen that your own investing could lead to passing wealth on to others one day.

Thank you, I put a small amount into a completely separate account that I plan to stay away from if possible. My intent for this account is to give it to my son (or split it with future children) when a certain age is reached, a sort of legacy from his great-grandfather.

[CanadianTeacher]

Due to spring break, I got paid a little early this month and also paid off my credit card bills. Made up some of the losses from earlier in the year.

January 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%)
June 2021: $197,826.75 (+10.3%)
July 2021: $199, 591.41 (+.89%)
August 2021: $202,218.51 (+1.3%)
September 2021: $201,763.82 (-0.2%)
October 2021: $210,788.99 (+4.5%)
November 2021: $216,066.77 (+2.5%)
December 2021: $224,210.94 (+3.8%)

January 2022: $216,791.87 (-3.3%)
February 2022: $219,450.86  (+1.2%)
March 2022: $227,763.33  (+3.8%)

[mgardner88]

7/1/2020: $46,295
8/1/2020: $49,461 (+3,166)
9/1/2020: $51,488 (+2,027)
10/1/2020: $52,753 (+1,265)
11/1/2020: $53,942 (+1,189)
12/1/2020: $56,152 (+2,210)
1/8/2021: $63,512 (+7,360)
2/5/2021: $67,571 (+4,059)
3/3/2021: $70,618 (+3,047)
4/2/2021: $74,861 (+4,243)
5/5/2021: $80,447 (+5,586)
6/7/2021: $84,957 (+4,510)
7/6/2021: $90,092 (+5,135)
8/5/2021: $96,511 (+6,419)
9/3/2021: $98,221 (+1,710)
10/8/2021: $101,351 (+3,130)
11/2/2021: $108,952 (+7,601)
12/2/2021: $111,949 (+2,997)
1/5/2022: $119,012 (+7,843)
2/2022: MISSED
3/3/2022: $119,373 (+361)
3/30/2022: $127,293 (+7,920)

Got paid a little early because of the holiday. Happy things are moving in the right direction for now :)

[Stubblestache]

July 2018 - £20,385
 - Annual gain 2018 - £4,119

Jan 2019 - £25,295
Nov 2019 - £38,588
 - Annual gain 2019 - £13,293

Jan 2020 - £43,260
Aug 2020 - £50,172
Dec 2020 - £62,638
 - Annual gain 2020 - £19,108

Jan 2021 - £64,542
Dec 2021 - £105,802 (graduated to next thread!)
 - Annual gain 2021 - £41,278

Jan 22 - £91,915
Feb 22 - £91,765
Mar 22 - £104,601
Weeee, I'm back in the club again after a few months out. Feels good.

Needed this boost tbh. With soaring cost of living and all the bad things that are happening in the world at the moment, I've felt very despondent towards saving and investing.

[Sugaree]

Net Worth	2019	2020	2021	2022
January	$49,378.04	$90,928.02	$161,747.01	$229,977.41
February	$50,300.10	$93,896.81	$162,883.32	$217,510.91
March	$59,373.49	$100,165.23	$173,923.10	$220,602.56
April	$59,558.47	$94,297.23	$183,031.09	$226,302.77
May	$64,340.45	$106,341.84	$186,124.71	$     -
June	$64,940.28	$113,372.31	$189,866.01	$     -
July	$70,156.02	$120,466.05	$194,364.35	$     -
August	$74,302.64	$127,953.51	$197,286.96	$     -
September	$74,328.43	$135,625.59	$205,953.08	$     -
October	$78,067.76	$137,857.32	$201,884.29	$     -
November	$81,274.16	$136,857.08	$215,701.01	$     -
December	$88,148.59	$152,706.85	$217,143.43	$     -
Annual gain	$41,549.98	$70,818.99	$68,230.40	$     -

It's forward progress so I'll take it.  The "expert" on Bloomberg radio this morning said that if you were only down 5% this quarter then you were doing okay.  That's about where my returns were this quarter with new contributions increasing my overall number.  I think that the last of my really big, needle-moving expenses are done for the year so that will help going forward.  Still hoping to graduate into the next group by the end of the year, but just taking it one month at a time right now. 

[bcbaseballman]

2018                             2019                              2020                            2021                          2022
1/31: (5949.05)              1/31: 13,493.35              1/31: 44,514                 1/31: 85,576               1/31: 137,128
2/28: (5288.30)              2/28: 15,766.50              2/29: 48,891                 2/28: 86,616               2/28: 132,607
3/31: (4273.93)              3/31: 19,286                   3/31: 46,104                 3/31: 94,009
4/30: (2592.07)              4/30: 19,283                   4/30: 52,720                 4/30: 96,128
5/31: (629.70)                5/31: 18,676                   5/31: 55,177                 5/31: 95,056
6/30: 1,206.77                6/30: 22,362                   6/30: 59,720                 6/30: 96,201
7/31: 2,703.97                7/31: 24,646                   7/31: 65,792                 7/31: 97,017
8/31: 5,651.70                8/30: 27,199                   8/31: 71,970                 8/30: 133,097
9/31: 8,039.01                9/31: 30,664                   9/30: 72,466                 9/30: 129,725
10/31: 7,803.49              10/31: 33,343                 10/31: 72,288               10/31: 135,443
11/30: 9,531.28              11/30: 35,249                 11/30: 80,093               11/30: 132,452
12/31: 9,296.79              12/31: 39,079                 12/31: 84,002               12/31: 139,677
Gain: 15,245.84                         29,783                            44,923                           55,655

3/31/2022: 141,282.73

This is an exciting month. Its the first time my retirement accounts have been over 100k!

[Lomonossov]

Hi people!

I just graduated from the previous thread and would like to sign up to this one. where I will be quite a long time it seems. I'm tracking absolutely everything I own to my name (including home equity, tax sheltered accounts, company pension plans blocked till I'm 60 and so on).

Date              Assets     Liabilities          Net Worth   Change
Jul-20   € 154,083   -€ 107,156   € 46,927   
Aug-20   € 156,086   -€ 106,907   € 49,179   + € 2,252
Sep-20   € 158,311   -€ 106,652   € 51,659   + € 2,480
Oct-20   € 161,908   -€ 106,401   € 55,507   + € 3,848
Nov-20   € 164,136   -€ 106,193   € 57,943   + € 2,436
Dec-20   € 166,152   -€ 105,859   € 60,292   + € 2,349
Jan-21   € 168,637   -€ 105,476   € 63,161   + € 2,869
Feb-21   € 170,852   -€ 105,174   € 65,678   + € 2,517
Mar-21   € 177,699   -€ 104,871   € 72,828   + € 7,150
Apr-21   € 180,165   -€ 104,594   € 75,572   + € 2,743
May-21   € 183,898   -€ 104,415   € 79,483   + € 3,912
Jun-21   € 186,463   -€ 104,102   € 82,361   + € 2,877
Jul-21   € 188,150   -€ 103,681   € 84,469   + € 2,108
Aug-21   € 190,178   -€ 103,628   € 86,550   + € 2,082
Sep-21   € 191,146   -€ 103,060   € 88,086   + € 1,536
Oct-21   € 194,034   -€ 102,821   € 91,214   + € 3,127
Nov-21   € 195,237   -€ 102,751   € 92,486   + € 1,273
Dec-21   € 197,291   -€ 102,508   € 94,783   + € 2,297
Jan-22   € 197,554   -€ 101,886   € 95,668   + € 885
Feb-22   € 197,957   -€ 101,600   € 96,357   + € 689
Mar-22   € 202,868   -€ 101,562   € 101,306   + € 4,949


I'm becoming a parent this year so I guess the savings rate will plummet from the current 40% to something closer to 25% or 30%. Let's see if market helps us o punish us going forward.

Nice to be around here.

[peppermint]

01/2021 - $156537.17
02/2021 - $158405.83
03/2021 - $163636.31
04/2021 - $166594.94
05/2021 - $172437.77
06/2021 - $175987.02
07/2021 - $132636.84 (bought house)
08/2021 - $142046.81
09/2021 - $140320.59
10/2021 - $138836.11
11/2021 - $148459.81
12/2021 - $147177.41
01/2022 - $152961.87
02/2022 - $150083.47
03/2022 - $150493.41
04/2022 - $153868.76

[JCGreen]

I include money that is invested for retirement accounts , but not value of savings for specific items (car insurance for the year etc.) or checking accounts as it is money I will likely use this month. I am hoping to hit 150k by Jun 2022.

Net worth:
2018:                         2019                2020             2021              2022
Jan                          $27,100           $45,839         $89,090         $130,904
Feb                          $29,443           $43,345         $86,608         $131,274
Mar                         $31,603            $39,081         $98,860
Apr    $13,200          $33,959           $47,551         $106,604
May                         $33,933           $51,613         $107,294
Jun                          $37,928           $56,760         $111,827
Jul                           $39,736           $61,567         $116,999
Aug  $22,800           $39,918            $68,102        $122,191
Sep  $23,645           $34,179            $68,212        $121,891
Oct   $23,658           $38,091           $68,976         $130,532
Nov  $23,948           $39,867            $76,790        $133,720
Dec  $23,960           $43,836            $82,778        $139,448                       

Mar2022: $139,662.92 (+$8,388.53) Good month in the stock market, I quit my current job and have a couple weeks before I start my next job so I wouldn't expect more money addition from me in the next two months. Also looking for new housing so that could cause a decrease.

[SouthAmericanHusky]

They say "The First $100000 Is The Most Difficult" and I can relate...gosh, I'm +50% around 6 months later. I know it makes sense because I receive a higher salary and so, but it does not take away the fact of how true this phrase became


09/2021 - $97,500.00
10/2021 - $110,300.00
11/2021 - $115,800.00
12/2021 - $116,900.00
01/2022 - $124,400.00
02/2022 - $129,500.00
03/2022 - $134,900.00
04/2022 - $146,400.00

[jdhansen]

It appears that with some buckling down and relooking at the budget, our numbers are finally heading in the proper direction again.


Dec 2021  $221,090
Jan 2022 $214,407
Feb 2022 $209,219
Mar 2022 $222,542

[FICurious]

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
Jan 2022: $241,685
Feb 2022: $232,246
Mar 2022: $230,653

Apr 2022: $231,997

Received a job offer with a 45% raise!  Hopeful to start at the end of the month.

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

[TerrierTown]

01 Jun 2019 NW £44,112 - started MMM
17 Feb 2021 NW £86,418 (+£2,495)
17 Mar 2021 NW £89,618 (+£3,200)
16 Jun 2021 NW £94,039 (+£4,421)
16 Sep 2021 NW £97,382 (+£3,343)
15 Oct 2021 NW £99,683  (+£2,301)
15 Nov 2021 NW £103,629 (+£3,946) - biggest monthly increase so far
15 Dec 2021 NW £105.139 (+1,510)
18 Jan 2022 NW £107,189 (+ £2,050)
16 Feb 2022 NW £110,250 (+ £3,061)
07 Apr 2022 NW £115,151 (+ £4,901) - Received work bonus

Starting a visa application to get my foreign girlfriend to the UK so had a lot of costs this month; also planned a trip for both of us, so an expensive month. Happy to see it's still increasing!

[JAYSLOL]

2022
Jan 1st - $162,300
Feb 1st - $160,600 (-1700)
Mar 1st - $161,100 (+500)
Apr 1st - $163,800 (+$2700)

Hoping to hit $200k by the end of the year, but I’d settle for missing that target if markets remain lower all year so I can load up while it’s a bit cheaper

[Stubblestache]

Hi people!

I just graduated from the previous thread and would like to sign up to this one. where I will be quite a long time it seems. I'm tracking absolutely everything I own to my name (including home equity, tax sheltered accounts, company pension plans blocked till I'm 60 and so on).

Date              Assets     Liabilities          Net Worth   Change
Jul-20   € 154,083   -€ 107,156   € 46,927   
Aug-20   € 156,086   -€ 106,907   € 49,179   + € 2,252
Sep-20   € 158,311   -€ 106,652   € 51,659   + € 2,480
Oct-20   € 161,908   -€ 106,401   € 55,507   + € 3,848
Nov-20   € 164,136   -€ 106,193   € 57,943   + € 2,436
Dec-20   € 166,152   -€ 105,859   € 60,292   + € 2,349
Jan-21   € 168,637   -€ 105,476   € 63,161   + € 2,869
Feb-21   € 170,852   -€ 105,174   € 65,678   + € 2,517
Mar-21   € 177,699   -€ 104,871   € 72,828   + € 7,150
Apr-21   € 180,165   -€ 104,594   € 75,572   + € 2,743
May-21   € 183,898   -€ 104,415   € 79,483   + € 3,912
Jun-21   € 186,463   -€ 104,102   € 82,361   + € 2,877
Jul-21   € 188,150   -€ 103,681   € 84,469   + € 2,108
Aug-21   € 190,178   -€ 103,628   € 86,550   + € 2,082
Sep-21   € 191,146   -€ 103,060   € 88,086   + € 1,536
Oct-21   € 194,034   -€ 102,821   € 91,214   + € 3,127
Nov-21   € 195,237   -€ 102,751   € 92,486   + € 1,273
Dec-21   € 197,291   -€ 102,508   € 94,783   + € 2,297
Jan-22   € 197,554   -€ 101,886   € 95,668   + € 885
Feb-22   € 197,957   -€ 101,600   € 96,357   + € 689
Mar-22   € 202,868   -€ 101,562   € 101,306   + € 4,949


I'm becoming a parent this year so I guess the savings rate will plummet from the current 40% to something closer to 25% or 30%. Let's see if market helps us o punish us going forward.

Nice to be around here.

welcome to the thread - when I graduated with a 5k buffer just before the new year, I was immediately dropped below 100k for the next few months! Here's hoping it works out better for you :D

And congratulations on soon becoming a parent! I'm not long a parent myself. Finances certainly take a hit, but it is absolutely worth it.

[Sanitary Stache]

5/31/2020          - $   72,426
6/19/2020          - $   82,681
8/6/2020            - $   89,237
9/2/2020            - $   93,346
10/6/2020          - $  103,450
1/5/2021            - $  114,837
7/2/2021            - $  169,009
9/24/2021          - $  173,134
11/4/2021          - $  182,341
4/12/2022          - $  178,490

This is the first time it has gone down since I last looked. We have been spending on a house project and I am working part time, but we also got a big bump from the child tax credit.

[RNfi2021]

Dec 2017- ~7000
Dec 2018- ~8000
Dec 2019- ~12000
Dec 2020- ~18000
Jun 2021- 19883.72
Jul 2021- 21574.92
Aug 2021-25731.53
Sep 2021- 32633.08
Oct 2021- 42008.1
Nov 2021- 53009.99
Dec 2021- 59100.38
Jan 2022- 71195.56
Feb 2022- 78553.92
Mar 2022- 86920.79
April 1st 2022- 101316.33
April 18th, 2022- 104181.97 (cashed in tax retuns)
Discovered financial independence as an option in April 2021, 1 year later hit 100k! Road to 250k begins!

[Stubblestache]

July 2018 - £20,385
 - Annual gain 2018 - £4,119

Jan 2019 - £25,295
Nov 2019 - £38,588
 - Annual gain 2019 - £13,293

Jan 2020 - £43,260
Aug 2020 - £50,172
Dec 2020 - £62,638
 - Annual gain 2020 - £19,108

Jan 2021 - £64,542
Dec 2021 - £105,802 (graduated to next thread!)
 - Annual gain 2021 - £41,278

Jan 22 - £91,915
Feb 22 - £91,765
Mar 22 - £104,601
Apr 22 - £107,495

Wasn't expecting almost 3k up this month, as am still building cash buffer so had to prioritise that over investments. Thanks Mr Market!

It's wild that in the first four months of 2022, I've already blown past the annual gain I made throughout 2019. (Though I am almost flat to EOY 2021, but it's still a fun metric) Thanks Mr Market x2!

[CanadianTeacher]

Overall, not a great month. I have a lot of my investments in the NASDAQ and that's certainly taken a hit this month. I also spent a bit too much on toys.

In order to make up for these hits, I plan on drastically reducing my discretionary spending over the next two months and doing other things to save money (e.g. eat food from the freezer and pantry - I got lots!) I'm about 1.5 weeks into this spending diet and things are going good. Have to spend several hundred dollars on new tires for my car but that's something I can't neglect.

It's hard to see my accounts at the same place they were back in November... it's been a tough year for me and I want to see something out of it, hence my drastic measures. Hopefully my investments don't take too much more of a hit.


January 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%)
June 2021: $197,826.75 (+10.3%)
July 2021: $199, 591.41 (+.89%)
August 2021: $202,218.51 (+1.3%)
September 2021: $201,763.82 (-0.2%)
October 2021: $210,788.99 (+4.5%)
November 2021: $216,066.77 (+2.5%)
December 2021: $224,210.94 (+3.8%)

January 2022: $216,791.87 (-3.3%)
February 2022: $219,450.86  (+1.2%)
March 2022: $227,763.33  (+3.8%)
April 2022: $218,157.28 (-4.2%)

[JAYSLOL]

Jan 1st - $162,300
Feb 1st - $160,600 (-$1700)
Mar 1st - $161,100 (+$500)
Apr 1st - $163,800 (+$2700)
May 1st - $160,400 (-$3400)

Yeah, markets are down, all good, aggressively adding to all our investment accounts no matter what.  Hopefully it goes even lower for when my tax return shows up in the next week or so

[bcbaseballman]

2018                             2019                              2020                            2021                          2022
1/31: (5949.05)              1/31: 13,493.35              1/31: 44,514                 1/31: 85,576               1/31: 137,128
2/28: (5288.30)              2/28: 15,766.50              2/29: 48,891                 2/28: 86,616               2/28: 132,607
3/31: (4273.93)              3/31: 19,286                   3/31: 46,104                 3/31: 94,009               3/31: 141,282
4/30: (2592.07)              4/30: 19,283                   4/30: 52,720                 4/30: 96,128
5/31: (629.70)                5/31: 18,676                   5/31: 55,177                 5/31: 95,056
6/30: 1,206.77                6/30: 22,362                   6/30: 59,720                 6/30: 96,201
7/31: 2,703.97                7/31: 24,646                   7/31: 65,792                 7/31: 97,017
8/31: 5,651.70                8/30: 27,199                   8/31: 71,970                 8/30: 133,097
9/31: 8,039.01                9/31: 30,664                   9/30: 72,466                 9/30: 129,725
10/31: 7,803.49              10/31: 33,343                 10/31: 72,288               10/31: 135,443
11/30: 9,531.28              11/30: 35,249                 11/30: 80,093               11/30: 132,452
12/31: 9,296.79              12/31: 39,079                 12/31: 84,002               12/31: 139,677
Gain: 15,245.84                         29,783                            44,923                           55,655

4/30: $138,395

Same story markets hurt my net worth but I did get some extra money invested that I normally would not so there is a silver lining to it all.

[jdhansen]

Dec 2021  $221,090
Jan 2022 $214,407
Feb 2022 $209,219
Mar 2022 $222,542
Apr 2022 $207,858

Seems the stock market gives and then takes.  Kind of a strange feeling to be stuck in this zone between 200K and 220K.  Still just saving and putting the money in as planned.  Will be worth it years from now when its needed and we have recovered from this down period.

[Sugaree]

Net Worth	2019	2020	2021	2022
January	$49,378.04	$90,928.02	$161,747.01	$229,977.41
February	$50,300.10	$93,896.81	$162,883.32	$217,510.91
March	$59,373.49	$100,165.23	$173,923.10	$220,602.56
April	$59,558.47	$94,297.23	$183,031.09	$226,302.77
May	$64,340.45	$106,341.84	$186,124.71	$216,297.22
June	$64,940.28	$113,372.31	$189,866.01	$     -
July	$70,156.02	$120,466.05	$194,364.35	$     -
August	$74,302.64	$127,953.51	$197,286.96	$     -
September	$74,328.43	$135,625.59	$205,953.08	$     -
October	$78,067.76	$137,857.32	$201,884.29	$     -
November	$81,274.16	$136,857.08	$215,701.01	$     -
December	$88,148.59	$152,706.85	$217,143.43	$     -
Annual gain	$41,549.98	$70,818.99	$68,230.40	$     -

Oof. 

[Feivel2000]

147.293 €
-3.066 €
33% Savings Rate

After getting beyond 150.000 € last month, thanks to a credit fueled crypto-boost, I am back under 150.000 €.

I see, I am not alone. But I am VERY unhappy about my stock picks. It's mostly tech stocks where I bought the hype. It's just a very, very small portion, but it proves that I can't stock pick, at least not without putting in the work. And I am not willing to put in the work.

	2020	2021	2022	2023	2024	2025
Jan	...............	110.053 €	138.241 €	...............	200.000 €	...............
Feb	...............	115.328 €	138.954 €	...............	...............	...............
Mar	...............	123.950 €	150.359 €	...............	...............	...............
Apr	...............	122.597 €	147.293 €	...............	...............	...............
May	...............	120.440 €	...............	...............	...............	...............
Jun	...............	124.056 €	...............	...............	...............	...............
Jul	87.134 €	127.401 €	...............	...............	...............	...............
Aug	88.989 €	134.533 €	...............	...............	...............	...............
Sept	90.473 €	133.571 €	...............	...............	...............	250.000 €
Oct	90.093 €	143.292 €	...............	...............	...............	...............
Nov	96.957 €	144.693 €	...............	...............	...............	...............
Dec	103.130 €	143.712 €	...............	...............	...............	...............
Change	~20.000 €	+40.582 €	...............	...............	...............	...............

[mgardner88]

7/1/2020: $46,295
8/1/2020: $49,461 (+3,166)
9/1/2020: $51,488 (+2,027)
10/1/2020: $52,753 (+1,265)
11/1/2020: $53,942 (+1,189)
12/1/2020: $56,152 (+2,210)
1/8/2021: $63,512 (+7,360)
2/5/2021: $67,571 (+4,059)
3/3/2021: $70,618 (+3,047)
4/2/2021: $74,861 (+4,243)
5/5/2021: $80,447 (+5,586)
6/7/2021: $84,957 (+4,510)
7/6/2021: $90,092 (+5,135)
8/5/2021: $96,511 (+6,419)
9/3/2021: $98,221 (+1,710)
10/8/2021: $101,351 (+3,130)
11/2/2021: $108,952 (+7,601)
12/2/2021: $111,949 (+2,997)
1/5/2022: $119,012 (+7,843)
2/2022: MISSED
3/3/2022: $119,373 (+361)
3/30/2022: $127,293 (+7,920)
5/5/2022: $124,563 (-2,730)

[hal]

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
Jan 2022: $241,685
Feb 2022: $232,246
Mar 2022: $230,653

Apr 2022: $231,997

Received a job offer with a 45% raise!  Hopeful to start at the end of the month.

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

Wow, congrats on the new job! That really shows the benefits of job hopping.

[hal]

Missed updating in April, and had some spreadsheet errors that resulted in a couple revised numbers. Nothing major though.
Last month was a walloping in the markets, but I'm sticking to the path. I figured out the number amount I need to be hitting about 58-60% SR for the year and will keep on investing regularly, regardless of the market news. Rather than focus on the doom and gloom, I am working on a plan to job hop and hopefully increase my compensation, by summer's end (I hope).

Glad to see everyone's updates :)
---


Liquid net worth, measured at month end

Networth	2019	2020	2021	2022
January		$49,671.41	$89,734.74	$163,978.31
February		$52,154.69	$97,368.00	$165,121.97
March		$51,335.72	$107,819.45	$180,608.24
April		$49,734.90	$118,117.31	$174,799.44
May		$49,879.73	$123,915.09	$ -
June		$44,423.16	$130,783.23	$ -
July		$43,823.37	$129,896.18	$ -
August	$39,708.84	$44,173.61	$133,609.86	$ -
September	$41,692.39	$44,286.81	$139,064.22	$ -
October	$43,862.27	$64,244.96	$147,259.49	$ -
November	$46,060.79	$73,507.69	$149,128.59	$ -
December	$49,041.98	$81,093.53	$158,680.31	$ -
Annual Gain	$-	$32,051.55	$77,586.78	$ -
Savings Rate	21.42%	40.87%	49.25%	59.83% (so far)

[Gingersnaps]

Still sporadic with the updates while I'm on maternity leave and things are pretty static!

01/08/2020 - £76,466.46
01/09/2020 - £79,690.65
01/10/2020 - £95,664.71
01/11/2020 - £97,515.00
01/12/2020 - £112,302.49
01/01/2021 - £114,965.12
01/02/2021 - £117,962.11
01/03/2021 - £118,873.35
01/04/2021 - £125,164.43
01/07/2021 - £146,807.86
01/08/2021 - £149,419.96
01/09/2021 - £155,711.83
01/10/2021 - £156,288.35
01/11/2021 - £164,134.53
01/12/2021 - £165,717.17
01/01/2022 - £171,598.80
01/04/2022 - £172,645.88