Tracking total Net Worth. Yearly numbers are from December 31st of that year. Monthly numbers are from the first of the next month.
2017: 3.75%
2018: 9.14%
2019: 11.77%
2020: 21.82%
2021: 31.92%
2022: 37.23%
| 2023 | FIRE | Lean FIRE | Fat FIRE |
| January: | 40.41% | 50.52% | 32.84% |
| February: | 40.29% | 50.37% | 32.74% |
| March: | 40.62% | 52.34% | 34.02% |
| April: | 42.77% | 53.46% | 34.75% |
| May: | 43.04% | 53.81% | 34.97% |
| June: | 43.91% | 54.88% | 35.67% |
| July: | 45.44% | 56.80% | 36.92% |
| August: | 45.54% | 56.92% | 37.00% |
| September: | 46.21% | 57.76% | 37.54% |
| October: | 45.16% | 56.45% | 36.69% |
| November: | 48.06% | 60.08% | 39.05% |
Update:
Back positive again. November was a surprisingly positive month in the market. I honestly don't know what is swaying things. YTD my Net Worth has increased by 25%, from where I was on January 1st and it's put me ~11% closer to my FIRE/Net Worth goals. I am only 4.24% away from where I wanted to get too this year, so it's a real possibility. However, December is always an expensive month and I have no idea what the markets are going to do. Still, it's actually an attainable goal and that has me excited to see where I end up on 12/31.
That's a big deal. I haven't had a ton to be excited for this year, financially. Fingers crossed I can make it to the finish line!
@alcon835 , none of us have any idea what the markets are going to do in December, and if anyone tells you otherwise -- run! However, I look at the S&P500 at 4,600 and we're still 4% lower than we were 2 years ago! And if I assume the market should produce a 7-8% annual return it says the S&P would be at 5,500 right now.....which is about 20% above where it presently is. So I am optimistic that the next 12 months will see some positive movement. November was fantastic, let's take those months when we can get them, but keep one eye on the long term....these monthly swings can be maddening! I struggle with it too -- looking at just my 401k account (invested in index funds) I see monthly swings ranging from about $65,000 negative to over $80,000 positive (which was November 2023!).
Keep at it, you're making great progress and the tailwind is coming -- we just don't know when, so let's be prepared for it!
