Race from 100 to 250k

[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)
6/1/2022: $126,047 (+1,484)
7/6/2022: $123,834 (-2,213)
8/1/2022: $134,800 (+10,966)
9/1/2022: $135,884 (+1,084)
10/4/2022: $131,765 (-4,119)
11/1/2022: $140,759 (+8,994)
12/1/2022: $153,083 (+12,324)
1/5/2023: $149,173 (-3,910)
2/1/2023: $158,557 (+9,384)
3/2/2023: $161,557 (+3,000)
4/3/2023: $170,948 (+9,396)
5/1/2023: $177,777 (+6,829)
5/31/2023: $181,632 (+3,855)
7/5/2023: $188,234 (+6,602)
8/8/2023: $194,053 (+5,819)
9/5/2023: $196,069 (+2,016)
10/4/2023: $193,897 (-2,172)

[poetdereves]

7/1/2022   $104,281.96
8/1/2022   $130,183.28
9/1/2022   $127,931.79
10/1/2022   $128,898.99
11/1/2022   MISSED
12/1/2022   $141,418.82
1/1/2023   $121,714.98
2/1/2023   $142,417.22
3/1/2023   $134,691.79
4/1/2023   $142,945.07
5/1/2023   $149,890.62
6/1/2023   $162,561.19
7/1/2023  $174,911.20
8/1/2023  $187,499.33
9/1/2023 $192,180.06
10/102023 $188,633.94 (-$3,546.12)

[JAYSLOL]

2022
Jan 1st - $162,300
Feb 1st - $160,600 (-$1700)
Mar 1st - $161,100 (+$500)
Apr 1st - $163,800 (+$2700)
May 1st - $160,400 (-$3400)
June 1st - $165,300 (+$4900)
July 1st - $159,100  (-$6100)
Aug 1st - $166,900  (+$7800)
Sept 1st -$166,500  (-$400)
Oct 1st - $166,600  (+$100)
Nov 1st - $176,700  (+$10,100)
Dec 1st - $189,500  (+$12,800)
2023
Jan 1st - $193,000  (+$3,500)
Feb 1st - $201,700  (+$8,700)
Mar 1st - $199,400  (-$2,300)
Apr 1st - $196,100  (-$3,300)
May 1st - $206,400  (+$10,300)
June 1st - $206,400 (+/- $0)
July 1st - $212,400  (+$6,000)
Aug 1st - $226,000  (+$13,600)
Sept 1st - $228,600 (+$2,600)
Oct 1st - $220,400 (-$8,200)

For some reason I wasn’t excited to update this back on Oct 1st.  Ouch.  It’s bumped back up a bit in the last week though.  I guess I’m getting to the stage where 3-4% drops feel more brutal than they really are

[Rimu05]

Until the markets stablized, I'll probably be inbetween this thread and the race to 100K

JAN 2022: 40,699.37
MAR 2022: 87,840.41
JUN 2022:  86,153.42
AUG 2022: 100,611.5

JAN 2023: 109,070.31

Oct 2023: 147,632.73

Been a ridiculously spendy 12 months for me. Planning to challenge no buy for 6 months.

[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
Dec 2022 - £103,544
 - Annual gain 2022 £11,629 BUT still down on Dec 2021. Awful year.

Jan 2023 - £109,683
Feb 2023 - £110,760
Mar 2023 - £113,114
Apr 2023 - £115,232
May 2023 - £115,679
June 2023 - £119,332
July 2023 - £124,897
Aug 2023 - £124,736
Sept 2023 - £124,650
Oct 2023 - £121,285

These equity drops have been brutal and have coincided perfectly with me not being able to invest as much a month because of a change in work sitch. Bastards!

[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
Jan 2023: $215,911
Feb 2023: $232,493
Mar 2023: $227,514
Apr 2023: $228,679
May 2023: $229,715
Jun 2023: $227,487
July 2023: $239,754
Aug 2023: $248,388
Sep 2023: $239,845
Oct 2023: $231,295

November 2023: $224,308

I used to enjoy doing these updates.

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

[bcbaseballman]

2018                             2019                              2020                            2021                          2022                           2023
1/31: (5949.05)              1/31: 13,493.35              1/31: 44,514                 1/31: 85,576               1/31: 137,128              1/31: 144,932
2/28: (5288.30)              2/28: 15,766.50              2/29: 48,891                 2/28: 86,616               2/28: 132,607              2/28: 149,381
3/31: (4273.93)              3/31: 19,286                   3/31: 46,104                 3/31: 94,009               3/31: 141,282              3/31: 150,830
4/30: (2592.07)              4/30: 19,283                   4/30: 52,720                 4/30: 96,128               4/30: 138,395              4/30: 152,583
5/31: (629.70)                5/31: 18,676                   5/31: 55,177                 5/31: 95,056               5/31: 137,158              5/31: 153,509
6/30: 1,206.77                6/30: 22,362                   6/30: 59,720                 6/30: 96,201               6/30: 131,597              6/30: 162,074
7/31: 2,703.97                7/31: 24,646                   7/31: 65,792                 7/31: 97,017               7/31: 137,745              7/31: 167,006
8/31: 5,651.70                8/30: 27,199                   8/31: 71,970                 8/30: 133,097             8/30: 133,694              8/31: 164,711
9/31: 8,039.01                9/31: 30,664                   9/30: 72,466                 9/30: 129,725             9/30: 126,048              9/30: 159,407
10/31: 7,803.49              10/31: 33,343                 10/31: 72,288               10/31: 135,443          10/31: 133,795
11/30: 9,531.28              11/30: 35,249                 11/30: 80,093               11/30: 132,452          11/30: 139,717
12/31: 9,296.79              12/31: 39,079                 12/31: 84,002               12/31: 139,677          12/31: 135,251
Gain: 15,245.84                         29,783                            44,923                           55,655                     -4,416

10/31: 157,578

Markets strike again. I just keep telling myself that it has to eventually go back up again.

[eav]

January 2021: $115,301
February 2021: $126,120
March 2021: $131,985
April 2021: $137,614
May 2021: $143,399
*spent 15k on a house down payment, my race #'s do not include new-found home equity*
Dec 2021: $155,344
Jan 2022: $159,501
Jan 2023: $190,798
April 2023: $202,034
June 2023: $224,746
July 2023: $237,556
August 2023: $247,021
September 2023: $242,241
October 2023: $234,328
November 2023: $243,383

We'll see what the market holds next month! Planning a trip overseas and cash flowing a wedding is really putting a damper on this race LOL

[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
06/2022 - $162893.02
07/2022 - $159117.84
08/2022 - $168159.13
09/2022 - $167308.43
10/2022 - $161849.08
11/2022 - $168746.65
12/2022 - $178013.29
01/2023 - $176855.80
02/2023 - $187728.88
03/2023 - $184997.11
04/2023 - $190307.96
06/2023 - $189523.66
07/2023 - $197800.59
09/2023 - $197427.93
10/2023 - $192227.32
11/2023 - $191223.48

[JAYSLOL]

2022
Jan 1st - $162,300
Feb 1st - $160,600 (-$1700)
Mar 1st - $161,100 (+$500)
Apr 1st - $163,800 (+$2700)
May 1st - $160,400 (-$3400)
June 1st - $165,300 (+$4900)
July 1st - $159,100  (-$6100)
Aug 1st - $166,900  (+$7800)
Sept 1st -$166,500  (-$400)
Oct 1st - $166,600  (+$100)
Nov 1st - $176,700  (+$10,100)
Dec 1st - $189,500  (+$12,800)
2023
Jan 1st - $193,000  (+$3,500)
Feb 1st - $201,700  (+$8,700)
Mar 1st - $199,400  (-$2,300)
Apr 1st - $196,100  (-$3,300)
May 1st - $206,400  (+$10,300)
June 1st - $206,400 (+/- $0)
July 1st - $212,400  (+$6,000)
Aug 1st - $226,000  (+$13,600)
Sept 1st - $228,600 (+$2,600)
Oct 1st - $220,400 (-$8,200)
Nov 1st - $228,700 (+$8,300)

Most of this gain was a change in tracking accounts and now including about $5k I had on the sidelines I hadn’t been including for some reason. 

[TyGuy]

Student Loan Debt

01/12/19: $43,762
05/04/20: $21,456
09/01/23: $21,456
10/01/23: $21,456
11/01/23: $21,601 (Will be forgiven in ~5 years, paying the minimum)


Net Worth:

03/04/19: -$30,065 (Started tracking NW)
09/01/20: $13,497 (NW after purchase of first home)
09/02/21: $57,319 ($43,822)
09/01/22: $77,432 ($20,113)
04/01/23: $105,349 ($27,917)
05/01/23: $111,080 ($5,731)
06/01/23: $112,849 ($1,769)
07/01/23: $126,069 ($13,220)
08/01/23: $134,332 ($8,263)
09/01/23: $133,481 (-$851)
10/01/23: $129,935 (-$3,546)
11/01/23: $130,515 ($580)


Happy to be moving forward again! Since the first day of the month, I am already up $8,000 due to market swings and an additional paycheck. November may be a very good month if things continue this way!

[Serendip]

April '23 : $100,655
May '23  : $102,304
June '23 : $104,200
July '23 : $108,200
Aug '23 : $107,850
Sept '23: $105,270

Oct '23: $106,800

Had some big costs last month (we adopted a dog!) but still managed to save a bit so am pleased with that.

[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)
6/1/2022: $126,047 (+1,484)
7/6/2022: $123,834 (-2,213)
8/1/2022: $134,800 (+10,966)
9/1/2022: $135,884 (+1,084)
10/4/2022: $131,765 (-4,119)
11/1/2022: $140,759 (+8,994)
12/1/2022: $153,083 (+12,324)
1/5/2023: $149,173 (-3,910)
2/1/2023: $158,557 (+9,384)
3/2/2023: $161,557 (+3,000)
4/3/2023: $170,948 (+9,396)
5/1/2023: $177,777 (+6,829)
5/31/2023: $181,632 (+3,855)
7/5/2023: $188,234 (+6,602)
8/8/2023: $194,053 (+5,819)
9/5/2023: $196,069 (+2,016)
10/4/2023: $193,897 (-2,172)
11/6/2023: $198,247 (+4,350)

So close to 200k i can taste it! Seems like its been dangling just out of reach for months....

[poetdereves]

7/1/2022   $104,281.96
8/1/2022   $130,183.28
9/1/2022   $127,931.79
10/1/2022   $128,898.99
11/1/2022   MISSED
12/1/2022   $141,418.82
1/1/2023   $121,714.98
2/1/2023   $142,417.22
3/1/2023   $134,691.79
4/1/2023   $142,945.07
5/1/2023   $149,890.62
6/1/2023   $162,561.19
7/1/2023  $174,911.20
8/1/2023  $187,499.33
9/1/2023 $192,180.06
10/1/2023 $188,633.94
11/1/2023 $202,069.37 (+$13,435.43)

[Avolonte]

12/31/18    $30,983
12/31/19    $32,929
12/31/20    $78,996
12/31/21    $135,973
12/31/22    $166,864
1/31/23    $187,531
2/28/23    $182,985
3/31/23    $192,219
4/30/23    $199,203
5/31/23    $207,673
6/30/23    $217,473
7/31/23    $228,522
8/31/23    $230,117
9/30/23    $222,778
10/31/23    $219,563

We overspent on vacation and retirement accounts are down, but we are back at it!

[Ensheneer]

19th October, 2021 - 200,000 EUR
03rd November, 2021 - 204,755 EUR
01st December, 2021 - 208,169 EUR
01st January, 2022 - 216,661 EUR
12th June, 2023 - 216,830 EUR
01st July, 2023 - 221,401 EUR
01st Aug, 2023 - 228,991 EUR
01st September, 2023 - 235,113 EUR
22nd November, 2023 - 238,054 EUR

Finally, a new daily high!

[JAYSLOL]

Just touched $250k, if it sticks for Dec 1 I’ll consider myself graduated. 

[DieHard_772]

It's been along time! Honestly, I haven't wanted to be on here recently because sometimes I have found other people's savings rates intimidating and discouraging.
I realize there is no point in comparing myself,  but I'm only human, so there you go.

Meanwhile, we continue making progress:

1/28/21 - $79,429
2/28/21 - $83,727
3/28/21 - $88,303
4/28/21 - $91,120
5/28/21 - $93,394
6/28/21 - $96,779
7/28/21 - $99,024
8/28/21 - $101,830
9/28/21 - $102,641
10/28/21 - $103,926
11/28/21 - $102,885
12/28/21 - $104,673
1/28/22 - $104,762
2/28/22 - $103,300
3/28/22 - $105,700
4/28/22 - $102,853
5/28/22 - $103,282
6/28/22 - $100,458
7/28/22 - $105,046
8/28/22 - $109,546
9/28/22 - $106,293
10/28/22 - $110,186
11/28/22 - $114,523
12/29/22 - $115,943
1/28/23 -  $126,226
3/2/23 -   $129,906
3/28/23 - $127,530
4/28/23 - $134,145
5/28/23 - $135,861
6/28/23 - $141,030
7/28/23 - $156,490
8/28/23 - $155,956
9/28/23 - $155,866
10/28/23- $154,276
11/24/23 - $164,319

$50k in one year!

[DieHard_772]

19th October, 2021 - 200,000 EUR
03rd November, 2021 - 204,755 EUR
01st December, 2021 - 208,169 EUR
01st January, 2022 - 216,661 EUR
12th June, 2023 - 216,830 EUR
01st July, 2023 - 221,401 EUR
01st Aug, 2023 - 228,991 EUR
01st September, 2023 - 235,113 EUR
22nd November, 2023 - 238,054 EUR

Finally, a new daily high!

Way to stick with it, @Ensheneer

[DieHard_772]

Just touched $250k, if it sticks for Nov 1 I’ll consider myself graduated.

Nice job @JAYSLOL

[DieHard_772]

12/31/18    $30,983
12/31/19    $32,929
12/31/20    $78,996
12/31/21    $135,973
12/31/22    $166,864
1/31/23    $187,531
2/28/23    $182,985
3/31/23    $192,219
4/30/23    $199,203
5/31/23    $207,673
6/30/23    $217,473
7/31/23    $228,522
8/31/23    $230,117
9/30/23    $222,778
10/31/23    $219,563

We overspent on vacation and retirement accounts are down, but we are back at it!

Nearly $200k in under 5 years. Incredible! @Avolonte

[halfling]

I recall hitting $100K NW in ~February 2021. Now late 2023 and somehow, as if by magic, at... $249,453! Grrrr! :D

[JAYSLOL]

I recall hitting $100K NW in ~February 2021. Now late 2023 and somehow, as if by magic, at... $249,453! Grrrr! :D

So close!!  We are neck and neck, took you less than half the time to go from 100-250 than me, so well done!

[halfling]

I recall hitting $100K NW in ~February 2021. Now late 2023 and somehow, as if by magic, at... $249,453! Grrrr! :D

So close!!  We are neck and neck, took you less than half the time to go from 100-250 than me, so well done!

Congratulations!! I got a raise last year and a new 401K matching scheme that really helped out.

[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
7/19/2022            $  157,261
9/29/2022            $  153,313
4/10/2023            $  188,800
11/28/2023          $  248,877

This is cash and investments.  Investments are at $202,965.  The cash is EF, savings for roof replacement, and other sinking funds.  I am surprised at how high this number has gotten, but it will go down as we spend the cash, so I am not thinking I'll be leaving the thread for quite a few more months.

[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
Dec 2022 - £103,544
 - Annual gain 2022 £11,629 BUT still down on Dec 2021. Awful year.

Jan 2023 - £109,683
Feb 2023 - £110,760
Mar 2023 - £113,114
Apr 2023 - £115,232
May 2023 - £115,679
June 2023 - £119,332
July 2023 - £124,897
Aug 2023 - £124,736
Sept 2023 - £124,650
Oct 2023 - £121,285
Nov 2023 £128,190

[MommyCake]

Investments only:
9/4/18      73,600
10/4/18    75,950
11/7/18    75,960
10/7/21    96,760
11/12/21 101,000
6/8/22     119,755
8/9/22     120,000
4/25/23   128,500
7/18/23   139,280
11/30/23 146,900

still slowly plodding along. 

[Trifle]

still slowly plodding along.

You're doing great @MommyCake.  You've got this!

Seriously everyone  -- I think this Race is the hardest of them all psychologically.  The gains feel slow, and the dips feel big.  You're all doing a great job.  Just gotta keep on.

[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)
6/1/2022: $126,047 (+1,484)
7/6/2022: $123,834 (-2,213)
8/1/2022: $134,800 (+10,966)
9/1/2022: $135,884 (+1,084)
10/4/2022: $131,765 (-4,119)
11/1/2022: $140,759 (+8,994)
12/1/2022: $153,083 (+12,324)
1/5/2023: $149,173 (-3,910)
2/1/2023: $158,557 (+9,384)
3/2/2023: $161,557 (+3,000)
4/3/2023: $170,948 (+9,396)
5/1/2023: $177,777 (+6,829)
5/31/2023: $181,632 (+3,855)
7/5/2023: $188,234 (+6,602)
8/8/2023: $194,053 (+5,819)
9/5/2023: $196,069 (+2,016)
10/4/2023: $193,897 (-2,172)
11/6/2023: $198,247 (+4,350)
12/1/2023: $206,271 (+8,024)

Finally over that 200k mark. slow process, not just because of the markets but because we have slowed contributions. Hoping to graduate this thread by the end of the year. Great job everyone!

[Avolonte]

12/31/18    $30,983
12/31/19    $32,929
12/31/20    $78,996
12/31/21    $135,973
12/31/22    $166,864
1/31/23    $187,531
2/28/23    $182,985
3/31/23    $192,219
4/30/23    $199,203
5/31/23    $207,673
6/30/23    $217,473
7/31/23    $228,522
8/31/23    $230,117
9/30/23    $222,778
10/31/23    $219,563

We overspent on vacation and retirement accounts are down, but we are back at it!

11/30/23   $247,386 

Wow--what?! I have no idea how this happened, but I'll take it. I think this is just market fluctuations; we didn't do anything special this month. Thanks to everyone for the encouragement. We can all do this!

[FrugalFukuoka]

Started reading MMM in Dec19, been coming along nicely.

We've got a big move coming up to one of the most expensive locations to live in the world.. but it comes with a pay bump that should cover for the increase in living cost and over time reduce our tax burden. If all goes well I'll be hitting 220k this year, but as I am holding a lot of cash in JPY right now FX is being a big pain in the butt (hence the drop in March just now which is all FX loss :')).

|          | 2020     | 2021     | 2022     | 2023     |
|----------|----------|----------|----------|----------|
| January  | $35,800  | $72,268  | $113,961 | $168,896 |
| February | $37,608  | $73,771  | $120,440 | $189,374 |
| March    | $41,735  | $80,126  | $118,341 | $176,853 |
| April    | $41,673  | $81,821  | $125,182 | $149,615 |
| May      | $45,178  | $87,008  | $115,157 | $158,254 |
| June     | $51,127  | $89,574  | $114,029 | $158,977 |
| July     | $53,320  | $92,983  | $104,767 | $163,445 |
| August   | $56,781  | $95,877  | $115,084 | $165,270 |
| September| $61,376  | $101,957 | $163,661 | $179,853 |
| October  | $61,503  | $98,956  | $155,795 | $173,014 |
| November | $60,956  | $106,875 | $159,137 | $208,899 |
| December | $66,804  | $112,890 | $167,896 |          |

Updated my numbers for Aug to Nov. Finally over the 200k mark! Big one for us, and feels good to reach it after this year.

[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
Jan 2023: $215,911
Feb 2023: $232,493
Mar 2023: $227,514
Apr 2023: $228,679
May 2023: $229,715
Jun 2023: $227,487
July 2023: $239,754
Aug 2023: $248,388
Sep 2023: $239,845
Oct 2023: $231,295
Nov 2023: $224,308

Dec 2023: $243,129

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

[JAYSLOL]

2022
Jan 1st - $162,300
Feb 1st - $160,600 (-$1700)
Mar 1st - $161,100 (+$500)
Apr 1st - $163,800 (+$2700)
May 1st - $160,400 (-$3400)
June 1st - $165,300 (+$4900)
July 1st - $159,100  (-$6100)
Aug 1st - $166,900  (+$7800)
Sept 1st -$166,500  (-$400)
Oct 1st - $166,600  (+$100)
Nov 1st - $176,700  (+$10,100)
Dec 1st - $189,500  (+$12,800)
2023
Jan 1st - $193,000  (+$3,500)
Feb 1st - $201,700  (+$8,700)
Mar 1st - $199,400  (-$2,300)
Apr 1st - $196,100  (-$3,300)
May 1st - $206,400  (+$10,300)
June 1st - $206,400 (+/- $0)
July 1st - $212,400  (+$6,000)
Aug 1st - $226,000  (+$13,600)
Sept 1st - $228,600 (+$2,600)
Oct 1st - $220,400 (-$8,200)
Nov 1st - $228,700 (+$8,300)
Dec 1st - $251,000 (+$22,300)

Crazy month, I’m going to consider myself graduated, after 4 years and 3 months it was quite the ride to get here.  I know there’s a good chance the market can swing be back here at a moments notice, but hopefully I’ll continue the steady beat upwards.  See you in the next one.

[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
06/2022 - $162893.02
07/2022 - $159117.84
08/2022 - $168159.13
09/2022 - $167308.43
10/2022 - $161849.08
11/2022 - $168746.65
12/2022 - $178013.29
01/2023 - $176855.80
02/2023 - $187728.88
03/2023 - $184997.11
04/2023 - $190307.96
06/2023 - $189523.66
07/2023 - $197800.59
09/2023 - $197427.93
10/2023 - $192227.32
11/2023 - $191223.48
12/2023 - $201869.96

[bcbaseballman]

2018                             2019                              2020                            2021                          2022                           2023
1/31: (5949.05)              1/31: 13,493.35              1/31: 44,514                 1/31: 85,576               1/31: 137,128              1/31: 144,932
2/28: (5288.30)              2/28: 15,766.50              2/29: 48,891                 2/28: 86,616               2/28: 132,607              2/28: 149,381
3/31: (4273.93)              3/31: 19,286                   3/31: 46,104                 3/31: 94,009               3/31: 141,282              3/31: 150,830
4/30: (2592.07)              4/30: 19,283                   4/30: 52,720                 4/30: 96,128               4/30: 138,395              4/30: 152,583
5/31: (629.70)                5/31: 18,676                   5/31: 55,177                 5/31: 95,056               5/31: 137,158              5/31: 153,509
6/30: 1,206.77                6/30: 22,362                   6/30: 59,720                 6/30: 96,201               6/30: 131,597              6/30: 162,074
7/31: 2,703.97                7/31: 24,646                   7/31: 65,792                 7/31: 97,017               7/31: 137,745              7/31: 167,006
8/31: 5,651.70                8/30: 27,199                   8/31: 71,970                 8/30: 133,097             8/30: 133,694              8/31: 164,711
9/31: 8,039.01                9/31: 30,664                   9/30: 72,466                 9/30: 129,725             9/30: 126,048              9/30: 159,407
10/31: 7,803.49              10/31: 33,343                 10/31: 72,288               10/31: 135,443          10/31: 133,795            10/31: 157,578
11/30: 9,531.28              11/30: 35,249                 11/30: 80,093               11/30: 132,452          11/30: 139,717
12/31: 9,296.79              12/31: 39,079                 12/31: 84,002               12/31: 139,677          12/31: 135,251
Gain: 15,245.84                         29,783                            44,923                           55,655                     -4,416

11/30: 168,012

[TyGuy]

Student Loan Debt

01/12/19: $43,762
05/04/20: $21,456
09/01/23: $21,456
10/01/23: $21,456
11/01/23: $21,601
12/01/23: $21,536 (Will be forgiven in ~5 years, paying the minimum)


Net Worth:

03/04/19: -$30,065 (Started tracking NW)
09/01/20: $13,497 (NW after purchase of first home)
09/02/21: $57,319 ($43,822)
09/01/22: $77,432 ($20,113)
04/01/23: $105,349 ($27,917)
05/01/23: $111,080 ($5,731)
06/01/23: $112,849 ($1,769)
07/01/23: $126,069 ($13,220)
08/01/23: $134,332 ($8,263)
09/01/23: $133,481 (-$851)
10/01/23: $129,935 (-$3,546)
11/01/23: $130,515 ($580)
12/01/23: $143,548 ($13,033)


November was nearly my largest single month gain. I did not invest as much as I normally do in November but I expect to make up for it in December with a 3 paycheck month. Nice to see everyone else making significant progress forward!

[eav]

January 2021: $115,301
February 2021: $126,120
March 2021: $131,985
April 2021: $137,614
May 2021: $143,399
*spent 15k on a house down payment, my race #'s do not include new-found home equity*
Dec 2021: $155,344
Jan 2022: $159,501
Jan 2023: $190,798
April 2023: $202,034
June 2023: $224,746
July 2023: $237,556
August 2023: $247,021
September 2023: $242,241
October 2023: $234,328
November 2023: $243,383
December 2023: $263,244

Can't really believe the upswing this month, but I've graduated! Took 3 years to go from 100k to 250k in liquid assets. 

[Trifle]

Congratulations @JAYSLOL and @eav !!

[FrugalFukuoka]

Congratulations @JAYSLOL and @eav !!

Second that! Amazing milestone.

[poetdereves]

7/1/2022   $104,281.96
8/1/2022   $130,183.28
9/1/2022   $127,931.79
10/1/2022   $128,898.99
11/1/2022   MISSED
12/1/2022   $141,418.82
1/1/2023   $121,714.98
2/1/2023   $142,417.22
3/1/2023   $134,691.79
4/1/2023   $142,945.07
5/1/2023   $149,890.62
6/1/2023   $162,561.19
7/1/2023  $174,911.20
8/1/2023  $187,499.33
9/1/2023 $192,180.06
10/1/2023 $188,633.94
11/1/2023 $202,069.37
12/1/2023 $209,686.68 (+$7,617.31)

[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
Dec 2022 - £103,544
 - Annual gain 2022 £11,629 BUT still down on Dec 2021. Awful year.

Jan 2023 - £109,683
Feb 2023 - £110,760
Mar 2023 - £113,114
Apr 2023 - £115,232
May 2023 - £115,679
June 2023 - £119,332
July 2023 - £124,897
Aug 2023 - £124,736
Sept 2023 - £124,650
Oct 2023 - £121,285
Nov 2023 £128,190
Dec 2023 £134,519


End of year wrap up... drum rolllllllll please


Jan 2023 - £109,683
Dec 2022 - £134,519
 - Annual gain 2023 £24,836

It's been a funny old year for this race. I've had some major new unavoidable expenses and have had to put in just cursory amounts some months, but it's good to see that even with that slow and steady approach, I've managed to squirrel away 25 grand over the year. The biggest help has been my employer matched contributions at 10%. Can't go too wrong if I'm putting away 20% of my wages every month before my paycheck even lands...

Some quick napkin maths tells me if I stick to this rate I can expect to be in the next race within five years (4.64 years to be precise).

Merry Christmas and a prosperous, Happy New Year fellow Mustachians!

[DieHard_772]

Started reading MMM in Dec19, been coming along nicely.

We've got a big move coming up to one of the most expensive locations to live in the world.. but it comes with a pay bump that should cover for the increase in living cost and over time reduce our tax burden. If all goes well I'll be hitting 220k this year, but as I am holding a lot of cash in JPY right now FX is being a big pain in the butt (hence the drop in March just now which is all FX loss :')).

|          | 2020     | 2021     | 2022     | 2023     |
|----------|----------|----------|----------|----------|
| January  | $35,800  | $72,268  | $113,961 | $168,896 |
| February | $37,608  | $73,771  | $120,440 | $189,374 |
| March    | $41,735  | $80,126  | $118,341 | $176,853 |
| April    | $41,673  | $81,821  | $125,182 | $149,615 |
| May      | $45,178  | $87,008  | $115,157 | $158,254 |
| June     | $51,127  | $89,574  | $114,029 | $158,977 |
| July     | $53,320  | $92,983  | $104,767 | $163,445 |
| August   | $56,781  | $95,877  | $115,084 | $165,270 |
| September| $61,376  | $101,957 | $163,661 | $179,853 |
| October  | $61,503  | $98,956  | $155,795 | $173,014 |
| November | $60,956  | $106,875 | $159,137 | $208,899 |
| December | $66,804  | $112,890 | $167,896 |          |

Updated my numbers for Aug to Nov. Finally over the 200k mark! Big one for us, and feels good to reach it after this year.

@FrugalFukuoka Hell yeah. Way to go

[DieHard_772]

January 2021: $115,301
February 2021: $126,120
March 2021: $131,985
April 2021: $137,614
May 2021: $143,399
*spent 15k on a house down payment, my race #'s do not include new-found home equity*
Dec 2021: $155,344
Jan 2022: $159,501
Jan 2023: $190,798
April 2023: $202,034
June 2023: $224,746
July 2023: $237,556
August 2023: $247,021
September 2023: $242,241
October 2023: $234,328
November 2023: $243,383
December 2023: $263,244

Can't really believe the upswing this month, but I've graduated! Took 3 years to go from 100k to 250k in liquid assets.

Bravo! @eav

[Serendip]

Just touched $250k, if it sticks for Dec 1 I’ll consider myself graduated.

Congrats!  Hope it stuck and that you are entering the new year in a new challenge :)

[Serendip]

..
April '23 : $100,655
May '23  : $102,304
June '23 : $104,200
July '23 : $108,200
Aug '23 : $107,850
Sept '23: $105,270

Oct '23: $106,800

Dec '23: $110,000

A very strange year financially, I did not have the progress anticipated but instead had a few life-altering experiences, was outdoors in nature a huge amount, did not work that much and adopted a dog. So it was just a different year than I expected.

Wishing you all a bright start to 2024 and congrats to everyone who graduated or had some positive moments throughout the year.

[DieHard_772]

A very strange year financially, I did not have the progress anticipated but instead had a few life-altering experiences, was outdoors in nature a huge amount, did not work that much and adopted a dog. So it was just a different year than I expected.

Wishing you all a bright start to 2024 and congrats to everyone who graduated or had some positive moments throughout the year.

Adopted a dog? Spent time outdoors?  Sounds pleasant. @Serendip

[Serendip]

A very strange year financially, I did not have the progress anticipated but instead had a few life-altering experiences, was outdoors in nature a huge amount, did not work that much and adopted a dog. So it was just a different year than I expected.

Wishing you all a bright start to 2024 and congrats to everyone who graduated or had some positive moments throughout the year.

Adopted a dog? Spent time outdoors?  Sounds pleasant. @Serendip

Very true @DieHard_772 --I honestly can't complain!

[DieHard_772]

1/28/21 - $79,429
2/28/21 - $83,727
3/28/21 - $88,303
4/28/21 - $91,120
5/28/21 - $93,394
6/28/21 - $96,779
7/28/21 - $99,024
8/28/21 - $101,830
9/28/21 - $102,641
10/28/21 - $103,926
11/28/21 - $102,885
12/28/21 - $104,673
1/28/22 - $104,762
2/28/22 - $103,300
3/28/22 - $105,700
4/28/22 - $102,853
5/28/22 - $103,282
6/28/22 - $100,458
7/28/22 - $105,046
8/28/22 - $109,546
9/28/22 - $106,293
10/28/22 - $110,186
11/28/22 - $114,523
12/29/22 - $115,943
1/28/23 -  $126,226
3/2/23 -   $129,906
3/28/23 - $127,530
4/28/23 - $134,145
5/28/23 - $135,861
6/28/23 - $141,030
7/28/23 - $156,490
8/28/23 - $155,956
9/28/23 - $155,866
10/28/23- $154,276
11/28/23 - $166,065
12/28/23 - $175,922

We are approaching $100k NW growth in three years, which is rad.

Our NW over that time reflects the various markets of the past three years: the up market in 2021, which helped our NW; the bear market in 2022, in which NW didn't change all that much; then the bull market this year, in which NW shot up 40%.

The volatility is the price of long-term investing success!

So proud of us for sticking it out.

[DieHard_772]

A very strange year financially, I did not have the progress anticipated but instead had a few life-altering experiences, was outdoors in nature a huge amount, did not work that much and adopted a dog. So it was just a different year than I expected.

Wishing you all a bright start to 2024 and congrats to everyone who graduated or had some positive moments throughout the year.

Adopted a dog? Spent time outdoors?  Sounds pleasant. @Serendip

Very true @DieHard_772 --I honestly can't complain!

@Serendip No need! Some years will be more about net worth growth. Some will be about other things. For myself, I ran across the Golden Gate Bridge twice this year... that's my 2023 claim to fame! (though our growth of NW also doesn't hurt)

[FrugalFukuoka]

Started reading MMM in Dec19, been coming along nicely.

We've got a big move coming up to one of the most expensive locations to live in the world.. but it comes with a pay bump that should cover for the increase in living cost and over time reduce our tax burden. If all goes well I'll be hitting 220k this year, but as I am holding a lot of cash in JPY right now FX is being a big pain in the butt (hence the drop in March just now which is all FX loss :')).

|          | 2020     | 2021     | 2022     | 2023     |
|----------|----------|----------|----------|----------|
| January  | $35,800  | $72,268  | $113,961 | $168,896 |
| February | $37,608  | $73,771  | $120,440 | $189,374 |
| March    | $41,735  | $80,126  | $118,341 | $176,853 |
| April    | $41,673  | $81,821  | $125,182 | $149,615 |
| May      | $45,178  | $87,008  | $115,157 | $158,254 |
| June     | $51,127  | $89,574  | $114,029 | $158,977 |
| July     | $53,320  | $92,983  | $104,767 | $163,445 |
| August   | $56,781  | $95,877  | $115,084 | $165,270 |
| September| $61,376  | $101,957 | $163,661 | $179,853 |
| October  | $61,503  | $98,956  | $155,795 | $173,014 |
| November | $60,956  | $106,875 | $159,137 | $208,899 |
| December | $66,804  | $112,890 | $167,896 | $219,415 |

Updated my numbers for Aug to Nov. Finally over the 200k mark! Big one for us, and feels good to reach it after this year.

@FrugalFukuoka Hell yeah. Way to go

Thanks!

I added my December numbers now too, somehow I ended up hitting my target number of 220k with only 600USD short. Thanks to the stock market, and we'll see how that works out for the coming year, but if it stays flat I'll be graduating this thread in 2024!