Race from 100 to 250k

[J.P. MoreGains]

Holy toledo. THAT is some kinda dedication. Live in your car and work two jobs. Yowza.

If I don't retire I'm going to die trying.

[lcmac32]

The second job...
...
I'm actually living out of my SUV now to get my expenses under 1k...

Holy toledo. THAT is some kinda dedication. Live in your car and work two jobs. Yowza.

Just have to add my even more mad respect for @J.P. MoreGains...living in the SUV.  FWIW - when your stash hits $300k and your expenses are at ~$1,000 per month in your current living choice you have FIRE'd. You will literally be there in no time.

[J.P. MoreGains]

@lcmac32

Just have to add my even more mad respect for @J.P. MoreGains...living in the SUV.  FWIW - when your stash hits $300k and your expenses are at ~$1,000 per month in your current living choice you have FIRE'd. You will literally be there in no time.

Yeah I could be "dirtbag FIRE" and go become a rock climber full time.

This month I'll likely be just short of 250k but if the market keeps going strong and I keep my current pace I think I could get to 300k in about 6 months or so.

My intention is to go beyond that of course. I kind of feel like 500k is the next milestone and a chance to reassess and take a sabbatical possibly.

I kind of feel like paid off house in cheap country + 20k a year is pretty good for a guy like me so maybe I'm close to being done once I get there. But... if I have great momentum I also like the idea of going beyond that. That still seems very lean.

So in the back of my mind I kind of think the mil mark is where it's at but who knows.

[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
Jan '24: $113,500
Feb '24: $116,950
Mar '24: $119,350
Apr '24: $115,700
May '24: $119,380
June '24: $121,004
July '24: $124,860
Aug ‘24: $126,778
Sept '24: $127,647
Oct ‘24: $129,902


I enjoy reading about the lifestyle options some of you are pursuing and the big savings gains because of it. Before my current relationship I had some very frugal ways of living but my SO is not one for budgeting so we have very different expenditure levels than I would on my own..but he also owns a house which has quadrupled in value (and which I am part-owner of now) so I can’t complain about his cheese consumption too much. Good work though to those of you making some awesome decisions for your future self!

[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
Dec 2023 - £134,519
 - Annual gain 2023 £24,836

Jan 2024 - £124,775 - house reno money came out
Feb 2024. - £130,454
Mar 2024 - £136,887
Apr 2024 - £136,997
May 2024 - £140,804
June 2024 - £145,426
July 2024 - £144,885
Aug 2024 - £147,992
Sept 2024 - £151,126
Oct 2024 - £155,325

[Stubblestache]

@lcmac32

Just have to add my even more mad respect for @J.P. MoreGains...living in the SUV.  FWIW - when your stash hits $300k and your expenses are at ~$1,000 per month in your current living choice you have FIRE'd. You will literally be there in no time.

Yeah I could be "dirtbag FIRE" and go become a rock climber full time.

This month I'll likely be just short of 250k but if the market keeps going strong and I keep my current pace I think I could get to 300k in about 6 months or so.

My intention is to go beyond that of course. I kind of feel like 500k is the next milestone and a chance to reassess and take a sabbatical possibly.

I kind of feel like paid off house in cheap country + 20k a year is pretty good for a guy like me so maybe I'm close to being done once I get there. But... if I have great momentum I also like the idea of going beyond that. That still seems very lean.

So in the back of my mind I kind of think the mil mark is where it's at but who knows.

It's amazing to hear the different routes people take in life. I'm so glad it's working for you buddy!

[lcmac32]

@lcmac32

Just have to add my even more mad respect for @J.P. MoreGains...living in the SUV.  FWIW - when your stash hits $300k and your expenses are at ~$1,000 per month in your current living choice you have FIRE'd. You will literally be there in no time.

Yeah I could be "dirtbag FIRE" and go become a rock climber full time.

This month I'll likely be just short of 250k but if the market keeps going strong and I keep my current pace I think I could get to 300k in about 6 months or so.

My intention is to go beyond that of course. I kind of feel like 500k is the next milestone and a chance to reassess and take a sabbatical possibly.

I kind of feel like paid off house in cheap country + 20k a year is pretty good for a guy like me so maybe I'm close to being done once I get there. But... if I have great momentum I also like the idea of going beyond that. That still seems very lean.

So in the back of my mind I kind of think the mil mark is where it's at but who knows.

It's amazing to hear the different routes people take in life. I'm so glad it's working for you buddy!

I agree...there are different routes.  The longer I work, the more I am on the severely downsize (no debt) wave.  At 53, I am finally realizing that life indeed is too short.  I will OMY my way to at least to 55, but know I could drastically downsize today and FIRE or barista FIRE.  Still love J.P. MoreGains for being out there doing it.

[J.P. MoreGains]

I do everything pen and paper... may need to go to a spreadsheet soon. I'm hoping I don't have any errors since I started calculating things.

I looked at my total gains since I started and this year. This year I have $32,469.39 in gains which is like a third job.

I don't know enough to know if this is normal for my portfolio size given the market over the past year. It seems so since things have been so strong.

This month market must have been a little down from last month when i checked given that I'm up a little less than I saved. Still 7k up which is great.

Nearing 250k and also 100k up for this calendar year. Ready for a great 2025.

@lcmac32 Great you are already in a position to FIRE or Barista FIRE! At 45 I know I can give my best effort now and get to that position fairly soon and then ease up some. Life is too short... I want enough money to have some freedom and go do some incredible things.


$ In for September: $8,297.53

$ Out for September: $821.14

Saved
 8,297.53 - 821.14 = $7,476.39

Savings Rate
  (7,476.39 / 8,297.53) * 100 = 90.1%

Snapshots 2024

	Vanguard	401k	457b	Pension	HSA	401a	Bank	TOTAL
10/30	138,775.61	40,334.18	36,625.45	10,088.60	5,046.36	3,888.49	10,118.28	244,876.97

2023 Savings

	$ In	$ Out	Save	Savings Rate
Sep	6,183.95	1,027.48	5,156.47	83.4%
Oct	6,193.94	1,351.15	4,842.79	78.2%
Nov	6,203.95	1,792.35	4,411.60	71.1%
Dec	6,203.94	2,542.01	3,661.93	59.0%
Total	24,785.78	6,712.99	18,072.79	72.9%

2024 Savings

	$ In	$ Out	Save	Savings Rate
Jan	6,204.14	1,274.65	4,929.49	79.5%
Feb	6,383.08	1,201.51	5,181.57	81.2%
Mar	8,230.95	3,136.19	5,094.76	61.9%
Apr	8,700.96	997.66	7,703.30	88.5%
May	8,700.95	1,491.42	7,209.53	82.9%
Jun	8,700.79	2,675.31	6,025.48	69.3%
Jul	8,700.54	1,608.46	7,092.08	81.5%
Aug	9,356.37	3,503.33	5,853.04	62.6%
Sep	9,012.47	1,012.61	7,999.86	88.8%
Oct	8,297.53	821.14	7,476.39	90.1%
Nov	-	-	-	-
Dec	-	-	-	-
Total	82,287.78	17,722.28	64,565.50	78.5%

Savings Since Sep 2023 Start

	$ In	$ Out	Save	Savings Rate
Total	107,073.56	24,435.27	82,638.29	77.2%

Progress

	Total	Month +/-	Year +/-	09/06/23 +/-
--2023--
09/06/23	115,236.73	n/a	n/a	n/a
--2024--
01/05/24	147,842.08	n/a	n/a	32,605.35
03/29/24	179,559.31	n/a	31,717.23	64,322.58
06/27/24	204,276.13	n/a	56,434.05	89,039.40
07/30/24	212,318.41	8,042.28	64,476.33	97,081.68
08/30/24	223,816.65	11,498.24	75,974.57	108,579.92
09/27/24	237,772.64	13,955.99	89,930.56	122,535.91
10/30/24	244,876.97	7,104.33	97,034.89	129,640.24

Gains

Calculating this just by subtracting how much I'm up by how much I saved.

Gains this year: $32,469.39
Gains since 9/6/23: $47,001.95

This is incredible for me. It's like the gains themselves are a third job. So nice when the market is going up! Hoping I don't have errors but this is the best estimate I can make given my situation.

Is this more or less in the expected ballpark range for market performance and my portfolio size?

[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
01/2024 - $215036.13
02/2024 - $216710.63
03/2024 - $224451.67
04/2024 - $231106.04
05/2024 - $225757.61
06/2024 - $233717.34
07/2024 - $236181.22
08/2024 - $240491.18
09/2024 - $248223.04
11/2024 - $251239.51

I actually got over 250K in October, but forgot to post. This was a bit slower than I would've liked, but I finally made it! Thank you to everyone here for support, I'll move on to the next thread. :)

[bcbaseballman]

2018                             2019                              2020                            2021                          2022                           2023                           2024
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              1/31: 182,741
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              2/29: 194,032
3/31: (4273.93)              3/31: 19,286                   3/31: 46,104                 3/31: 94,009               3/31: 141,282              3/31: 150,830              3/31: 206,283
4/30: (2592.07)              4/30: 19,283                   4/30: 52,720                 4/30: 96,128               4/30: 138,395              4/30: 152,583              4/30: 203,318
5/31: (629.70)                5/31: 18,676                   5/31: 55,177                 5/31: 95,056               5/31: 137,158              5/31: 153,509              5/31: 213,997
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              6/30: 221,156
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              7/31: 222,422
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              8/31: 232,237
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              9/30: 239,234
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            11/30: 168,012
12/31: 9,296.79              12/31: 39,079                 12/31: 84,002               12/31: 139,677          12/31: 135,251            12/31: 174,941
Gain: 15,245.84                         29,783                            44,923                           55,655                       -4,416                         39,690

10/31: 241,936

Less than 10K to go!

[bcbaseballman]

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
01/2024 - $215036.13
02/2024 - $216710.63
03/2024 - $224451.67
04/2024 - $231106.04
05/2024 - $225757.61
06/2024 - $233717.34
07/2024 - $236181.22
08/2024 - $240491.18
09/2024 - $248223.04
11/2024 - $251239.51

I actually got over 250K in October, but forgot to post. This was a bit slower than I would've liked, but I finally made it! Thank you to everyone here for support, I'll move on to the next thread. :)

Congrats!!
See you in the next thread.

[TyGuy]

Student Loan Debt

01/12/19: $43,762
05/04/20: $21,456
01/01/24: $21,456
02/01/24: $21,322
03/01/24: $21,161
04/01/24: $20,909
05/01/24: $20,787
06/01/24: $20,589
07/01/24: $20,406
08/01/24: $20,209
09/01/24: $20,009
10/01/24: $19,808
11/01/24: $19,605 (Will be forgiven in ~4.5 years; paying the minimum)


Net Worth:

03/04/19: -$30,065 (Started tracking NW)
01/01/20: $1,447 ($31,512)
01/01/21: $21,735 ($20,288)
01/01/22: $63,049 ($41,314)
01/01/23: $87,715 ($24,666)
04/01/23: $105,349 ($17,634)
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)
01/01/24: $157,250 ($13,702)
02/01/24: $162,835 ($5,585)
03/01/24: $176,903 ($14,068)
04/01/24: $186,666 ($9,763)
05/01/24: $190,354 ($3,688)
06/01/24: $208,938 ($18,584)
07/01/24: $216,037 ($7,109)
08/01/24: $217,241 ($1,204)
09/01/24: $222,660 ($5,419)
10/01/24: $228,818 ($6,158)
11/01/24: $228,948 ($130)


I have accepted an offer on my old home, with a closing date in early December. My net worth held steady as there have been a few cost associated with the closing and refinancing of my current home. I expect to be able to invest 90-100k of the proceeds from the sale of my house which will solidly put me in the next thread. November will be my last month here, as long as everything goes smoothly. Glad to see everyone else making steady forward progress!

[Nederstash]

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 21 133,456
Apr 21 136,055
May 21 138,224
Jun 21 142,989
Jul 21 144,812
Aug 21 142,185
Sep 21 unknown - busy switching jobs
Oct 21 152,821

It's been a dog's age since I posted here! I'm sad to see I didn't get ahead that far in the last 3 years... current NW is 213,056. That's +60k in 3 years, whereas in 2021 I did +30k in one year.

Anyway, quick recap of the last few years:
EOY 2021 156,850
EOY 2022 174,627
EOY 2023 191,382

Oct 2024 213,056

[Feivel2000]

236.110 €
+ 6.446 €

Pretty solid month. 18.5% Savings Rate.

	2020	2021	2022	2023	2024	2025	2026
Jan	...............	110.053 €	138.241 €	139.708 €	181.015 €	...............	...............
Feb	...............	115.328 €	138.954 €	142.382 €	204.486 €	...............	...............
Mar	...............	123.950 €	150.359 €	145.986 €	212.514 €	...............	250.000 €
Apr	...............	122.597 €	147.293 €	143.015 €	205.879 €	...............	...............
May	...............	120.440 €	138.668 €	143.075 €	214.024 €	...............	...............
Jun	...............	124.056 €	128.938 €	144.937 €	217.347 €	...............	...............
Jul	87.134 €	127.401 €	130.726 €	147.484 €	231.323 €	...............	...............
Aug	88.989 €	134.533 €	129.533 €	145.789 €	225.199 €	...............	...............
Sept	90.473 €	133.571 €	127.691 €	145.605 €	229.664 €	...............	...............
Oct	90.093 €	143.292 €	130.454 €	150.725 €	236.110 €	...............	...............
Nov	96.957 €	144.693 €	131.327 €	161.202 €	...............	...............	...............
Dec	103.130 €	143.712 €	130.556 €	166.635 €	200.000 €	...............	...............
Change	~20.000 €	+40.582 €	-13.156 €	+36.079 €	...............	...............	...............

[TerrierTown]

            2024          2025          2026          2027            2028               
Jan         NT              -                -                -                  -
Feb         NT              -                -                -                  -
Mar         NT              -                -                -                  -
Apr  £180,000            -               -                 -                  -
May £181,365            -                -                -                  -
Jun  £185,990            -                -                -                  -
Jul   £197,713            -                -                -                  -
Aug £198,122            -                -                -                  -
Sep £205,100            -                -                -                  -
Oct  £209.764            -               -                -                   -
Nov £216,548            -               -                 -                  -
Dec         -                -               -                 -                  -

[LittleWanderer]

October 2023 - $82,040
November 2023 - $90,530
December 2023 - $97,000
January 2024 - $99,131
February 2024 - $102,401
March 2024 - $108,679
April 2024 - $107,258
May 2024 - $111,045
June 2024 - $114,755
July 2024 - $125,286
August 2024 - $127,896
September 2024 - $130,907

October 2024 - $130,553

Whoops, reporting in a little late for October, but I figured I'd better do it before the election. 

[J.P. MoreGains]

Well, I've hit 250k ($250,244.24) for now so that is good news! I may dip down below this if markets go down but at least for now I can say I've hit it.

I got paid 2,897.64 today plus 2,469.63 in gains over the past week. So that did the trick.

Gonna start posting in the next forum. Really got the goal of 500k on my mind. Then maybe a sabbatical or something.

Progress

	Total	Month +/-	Year +/-	09/06/23 +/-
--2023--
09/06/23	115,236.73	n/a	n/a	n/a
--2024--
01/05/24	147,842.08	n/a	n/a	32,605.35
03/29/24	179,559.31	n/a	31,717.23	64,322.58
06/27/24	204,276.13	n/a	56,434.05	89,039.40
07/30/24	212,318.41	8,042.28	64,476.33	97,081.68
08/30/24	223,816.65	11,498.24	75,974.57	108,579.92
09/27/24	237,772.64	13,955.99	89,930.56	122,535.91
10/30/24	244,876.97	7,104.33	97,034.89	129,640.24
11/07/24	250,244.24	5,367.27	102,402.16	135,007.51

[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
Dec 2023 - £134,519
 - Annual gain 2023 £24,836

Jan 2024 - £124,775 - house reno money came out
Feb 2024. - £130,454
Mar 2024 - £136,887
Apr 2024 - £136,997
May 2024 - £140,804
June 2024 - £145,426
July 2024 - £144,885
Aug 2024 - £147,992
Sept 2024 - £151,126
Oct 2024 - £155,325
Nov 2024 - £162,495

It really is wild how big the swings can be once you start hitting critical mass. There's that saying about when you get to 100k you can take some of the gas off, but I've REALLY noticed it since getting to 150k. Can't believe I have less than 100k to finish this race.

[Stubblestache]

Well, I've hit 250k ($250,244.24) for now so that is good news! I may dip down below this if markets go down but at least for now I can say I've hit it.

I got paid 2,897.64 today plus 2,469.63 in gains over the past week. So that did the trick.

Gonna start posting in the next forum. Really got the goal of 500k on my mind. Then maybe a sabbatical or something.

Progress

	Total	Month +/-	Year +/-	09/06/23 +/-
--2023--
09/06/23	115,236.73	n/a	n/a	n/a
--2024--
01/05/24	147,842.08	n/a	n/a	32,605.35
03/29/24	179,559.31	n/a	31,717.23	64,322.58
06/27/24	204,276.13	n/a	56,434.05	89,039.40
07/30/24	212,318.41	8,042.28	64,476.33	97,081.68
08/30/24	223,816.65	11,498.24	75,974.57	108,579.92
09/27/24	237,772.64	13,955.99	89,930.56	122,535.91
10/30/24	244,876.97	7,104.33	97,034.89	129,640.24
11/07/24	250,244.24	5,367.27	102,402.16	135,007.51

fantastic effort ! congratulations. See you in the next thread someday :)

[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
Jan '24: $113,500
Feb '24: $116,950
Mar '24: $119,350
Apr '24: $115,700
May '24: $119,380
June '24: $121,004
July '24: $124,860
Aug ‘24: $126,778
Sept '24: $127,647
Oct ‘24: $129,902
Nov ‘24: $130,959

Had emergency dental work which pulled from my savings but thankfully still managed to climb a bit.

[bcbaseballman]

2018                             2019                              2020                            2021                          2022                           2023                           2024
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              1/31: 182,741
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              2/29: 194,032
3/31: (4273.93)              3/31: 19,286                   3/31: 46,104                 3/31: 94,009               3/31: 141,282              3/31: 150,830              3/31: 206,283
4/30: (2592.07)              4/30: 19,283                   4/30: 52,720                 4/30: 96,128               4/30: 138,395              4/30: 152,583              4/30: 203,318
5/31: (629.70)                5/31: 18,676                   5/31: 55,177                 5/31: 95,056               5/31: 137,158              5/31: 153,509              5/31: 213,997
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              6/30: 221,156
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              7/31: 222,422
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              8/31: 232,237
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              9/30: 239,234
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             10/31: 241,936
11/30: 9,531.28              11/30: 35,249                 11/30: 80,093               11/30: 132,452          11/30: 139,717            11/30: 168,012
12/31: 9,296.79              12/31: 39,079                 12/31: 84,002               12/31: 139,677          12/31: 135,251            12/31: 174,941
Gain: 15,245.84                         29,783                            44,923                           55,655                       -4,416                         39,690

11/30: 252,641

I made it! had a big month from retirement accounts. i'm on to the next thread.

[Serendip]

11/30: 252,641

I made it! had a big month from retirement accounts. i'm on to the next thread.

Wow—congrats @bcbaseballman !! Great way to end the year.

[RetireOrDieTrying]

I am, evidently, stupider than this forum. I've tried all kinds of ways to find a "show me my posts in this thread" button. I'm simply not slogging backwards through 88 pages to find my last post, because I haven't been reporting in for a while after Mint died and went away. I'm calculating all this manually now.

So, I'm just gonna pick up here.

$242,890 (+$21,066 since 13-Oct)

I expect to graduate to the $250k-$500k thread in very early 2025.

[Ze Stash]

 
Net worth:
01/01/2019: -    109,47 €
01/02/2019:      269,41 € (+   378,88 €)
01/03/2019:      890,47 € (+   621,06 €)
01/04/2019:   1.767,70 € (+   877,23 €)
01/05/2019:   3.755,46 € (+1.987,76 €)
01/06/2019:   4.814,83 € (+1.059,37 €)
01/07/2019:   5.959,50 € (+1.144,67 €)
01/08/2019:   7.116,94 € (+1.157,44 €)
01/09/2019:   9.855,39 € (+2.738,45 €)
01/10/2019:   9.718,18 € (-   137,21 €)
01/11/2019: 10.726,98 € (+1.008,80 €)
01/12/2019: 11.773,70 € (+1.046,72 €)
01/01/2020: 12.979,27 € (+1.205,57 €)
01/02/2020: 14.363,54 € (+1.384,27 €)
01/03/2020: 15.039,09 € (+   675,56 €)
01/04/2020: 15.456,74 € (+   417,65 €)
01/05/2020: 16.903,74 € (+1.447,00 €)
01/06/2020: 17.847,51 € (+   943,77 €)
01/07/2020: 19.991,35 € (+2.143,84 €)
01/08/2020: 23.859,77 € (+3.868,42 €)
01/09/2020: 27.705,58 € (+3.845,81 €)
01/10/2020: 28.348,92 € (+   643,34 €)
01/11/2020: 29.975,77 € (+1.626,85 €)
01/12/2020: 32.157,81 € (+2.182,04 €)
01/01/2021: 37.536,36 € (+5.378,55 €)
01/02/2021: 39.128,65 € (+1.592,29 €)
01/03/2021: 43.488,25 € (+4.359,60 €)
01/04/2021: 50.227,75 € (+6.739,50 €)
01/05/2021: 50.942,27 € (+   714,52 €)
01/06/2021: 45.969,23 € (- 4.973,04 €)
01/07/2021: 47.887,98 € (+1.918,75 €)
01/08/2021: 50.361,49 € (+2.473,51 €)
01/09/2021: 55.538,44 € (+5.176,95 €)
01/10/2021: 55.405,64 € (-    132,80 €)
01/11/2021: 62.397,76 € (+6.992,12 €)
01/12/2021: 62.957,50 € (+   559,74 €)
01/01/2022: 62.444,54 € (-    512,96 €)
01/02/2022: 57.130,55 € (- 5.313,99 €)
01/03/2022: 59.780,50 € (+2.649,95 €)
01/04/2022: 63.814,15 € (+4.033,65 €)
01/05/2022: 60.816,35 € (- 2.997,80 €)
01/06/2022: 55.643,44 € (- 5.172,91 €)
01/07/2022: 49.784,34 € (- 5.859,10 €)
01/08/2022: 56.777,07 € (+6.992,73 €)
01/09/2022: 56.724,00 € (-     53,07 €)
01/10/2022: 55.855,44 € (-   868,56 €)
01/11/2022: 57.699,49 € (+1.844,05 €)
01/12/2022: 56.415,91 € (- 1.283,58 €)
01/01/2023: 56.475,06 € (+    59,15 €)
01/02/2023: 59.646,67 € (+3.171,61 €)
01/03/2023: 60.002,28 € (+  355,61 €)
01/04/2023: 63.066,29 € (+3.064,01 €)
01/05/2023: 62.039,59 € (-1.026,70 €)
01/06/2023: 64.461,16 € (+2.421,57 €)
01/07/2023: 68.526,22 € (+4.065,06 €)
01/03/2024: 84.950,64 € (+16.424,42 €)
09/04/2024: 91.972,24 € (+7.021,60 €)
01/05/2024: 88.249,54 € (-3.722,70 €)
29/05/2024: 101.041,39 € (+12.791,85 €)

02/12/2024: 125.309,72 € (+24.268,33 €)

I graduated the race to 100k in May and then kind of stopped tracking for a while due to professional exams in the summer and losing motivation a bit after reaching this milestone and feeling like the next one is still so far away. I'm sure I dipped below 100k in the summer a few times, but due to the recent bullrun since the US elections I'm now quite a bit north of the 100k starting line for this race.

Roughly 42 % of my net worth is now in crypto, despite not investing any more since early 2021. Back then I decided I would just hold no matter what happens as long as I'm still in the accumulation phase. Due to this high crypto exposure it is entirely likely that I'll still temporarily dip below 100k at some point. New investments are all going into ETFs. Let's see how long this race takes, hopefully less than the last one.

[Feivel2000]

263.972 €
+ 27.862 €

Wow. Instead of reaching 200k by the end of December, I graduated from this thread in November.

I am not sure about how long I will stay above 250.000€... for this year I will stick around.

The savings rate is only 14.4%. Bought a kitchen. Moving in two weeks.

	2020	2021	2022	2023	2024	2025	2026
Jan	...............	110.053 €	138.241 €	139.708 €	181.015 €	...............	...............
Feb	...............	115.328 €	138.954 €	142.382 €	204.486 €	...............	...............
Mar	...............	123.950 €	150.359 €	145.986 €	212.514 €	...............	250.000 €
Apr	...............	122.597 €	147.293 €	143.015 €	205.879 €	...............	...............
May	...............	120.440 €	138.668 €	143.075 €	214.024 €	...............	...............
Jun	...............	124.056 €	128.938 €	144.937 €	217.347 €	...............	...............
Jul	87.134 €	127.401 €	130.726 €	147.484 €	231.323 €	...............	...............
Aug	88.989 €	134.533 €	129.533 €	145.789 €	225.199 €	...............	...............
Sept	90.473 €	133.571 €	127.691 €	145.605 €	229.664 €	...............	...............
Oct	90.093 €	143.292 €	130.454 €	150.725 €	236.110 €	...............	...............
Nov	96.957 €	144.693 €	131.327 €	161.202 €	263.972 €	...............	...............
Dec	103.130 €	143.712 €	130.556 €	166.635 €	200.000 €	...............	...............
Change	~20.000 €	+40.582 €	-13.156 €	+36.079 €	...............	...............	...............

[TyGuy]

263.972 €
+ 27.862 €

Wow. Instead of reaching 200k by the end of December, I graduated from this thread in November.

Excellent progress, I'll see you in the next race, congrats!

[TyGuy]

Student Loan Debt

01/12/19: $43,762
05/04/20: $21,456
01/01/24: $21,456
02/01/24: $21,322
03/01/24: $21,161
04/01/24: $20,909
05/01/24: $20,787
06/01/24: $20,589
07/01/24: $20,406
08/01/24: $20,209
09/01/24: $20,009
10/01/24: $19,808
11/01/24: $19,605
12/01/24: $19,407 (Will be forgiven in ~4.5 years; paying the minimum)


Net Worth:

03/04/19: -$30,065 (Started tracking NW)
01/01/20: $1,447 ($31,512)
01/01/21: $21,735 ($20,288)
01/01/22: $63,049 ($41,314)
01/01/23: $87,715 ($24,666)
04/01/23: $105,349 ($17,634)
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)
01/01/24: $157,250 ($13,702)
02/01/24: $162,835 ($5,585)
03/01/24: $176,903 ($14,068)
04/01/24: $186,666 ($9,763)
05/01/24: $190,354 ($3,688)
06/01/24: $208,938 ($18,584)
07/01/24: $216,037 ($7,109)
08/01/24: $217,241 ($1,204)
09/01/24: $222,660 ($5,419)
10/01/24: $228,818 ($6,158)
11/01/24: $228,948 ($130)
12/01/24: $230,260 ($1,312)


Money from the sale of my previous home should be deposited into my account later this week, though a large chunk will be held in escrow until the new year. I am excited to see how everyone ends the year!

[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
2/23/24   164,990
3/25/24   170,500
6/28/24   182,000
9/17/24   191,400
10/21/24  200,500
12/2/24    215,000

Not bad gains for the past few weeks. 

@TyGuy you are so close!

[LittleWanderer]

November 2023 - $90,530
December 2023 - $97,000
January 2024 - $99,131
February 2024 - $102,401
March 2024 - $108,679
April 2024 - $107,258
May 2024 - $111,045
June 2024 - $114,755
July 2024 - $125,286
August 2024 - $127,896
September 2024 - $130,907
October 2024 - $130,553

November 2024 - $137,192

That just feels kinda gross since I'm sure the huge swing is related to Trump being elected. 

[Fifo]

This only includes my liquid savings/investments.

2017: $6,539
2018: $18,547
2019: $36,489
2020: $61,099
2021: $103,151

	2022	2023	2024
January	$102,690	$118,541	$142,408 (+$4,593)
February	$105,595	$120,353	$155,989 (+$13,581)
March	$107,269	$124,675	$163,644 (+$7,655)
April	$108,030	$114,108	$162,208 (-$1,436)
May	$104,108	$116,148	$166,714 (+$4,506)
June	$100,594	$123,164	$174,000 (+$7,286)
July	$101,599	$128,512	$175,450 (+$1,450)
August	$106,675	$127,473	$177,600 (+$2,509)
September	$104,663	$126,682	$180,047 (+$2,447)
October	$110,356	$123,212	$184,361 (+$4,314)
November	$115,708	$131,217	$194,325 (+$9,964)
December	$116,633	$137,815
Increase	$13,943	$21,181

Increasing by $15k in about two months is absolutely bonkers to me! Market upswing + stronger USD really helped me push across the $190k mark. I actually feel like I am starting to see the light at the end of the tunnel... maybe a stretch goal for me will to hit $250k by next Dec, if the markets remain good!

[GurtRemy]

Long time lurker, first time poster.

This forum has been a great reference to come back to over the years for inspiration and ideas.

I've recently paid off my mortgage and want to stay disciplined with investing. So, here we go!

Investment portfolio:

Dec 2024: $164,631.59

[Vindicated]

November 2024 - $137,192

That just feels kinda gross since I'm sure the huge swing is related to Trump being elected.

I had the same thought.  Silver lining I guess.