Author Topic: Race from 100 to 250k  (Read 857496 times)

DarkandStormy

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Re: Race from 100 to 250k
« Reply #2100 on: December 01, 2018, 09:55:42 AM »
NW // Inv. Assets

5/1/17 - $115,775  //  $92,843
6/1/17 - $132,067  //  $96,095
7/1/17 - $134,078  //  $96,404
8/1/17 - $142,711  //  $100,068
9/1/17 - $144,009 // $102,800
10/1/17 - $146,185 // $106,104
11/1/17 - $151,793 // $111,791
12/1/17 - $155,245 // $116,204
1/1/18 - $157,542 // $115,616
2/1/18 - $165,472 // $123,775
3/1/18 - $168,156 // $124,110
4/2/18 - $177,092 // $127,541
5/1/18 - $196,749 // $134,162
6/1/18 - $208,027 // $141,372
7/1/18 - $216,157 // $144,325
8/1/18 - $220,843 // $149,916
9/1/18 - $233,654 // $154,377
10/1/18 - $245,070 // $155,324
11/1/18 - $228,174 // $144,718

12/1/18 - $234,144 // $147,130

tjrssibelle

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Re: Race from 100 to 250k
« Reply #2101 on: December 01, 2018, 08:15:33 PM »

Dec 2016 - $129.04 k
Jan 2017 - $133.53 k
Feb 2017 - $139.23 k
Mar 2017 - $145.40 k
Apr 2017 - $149.59 k
May 2017 - $155.36 k
Jun 2017 -  $160.27 k
July 2017 - $167.24 k
Aug 2017 - $171.00 k
Sep 2017 - $178.27 k (5 paychecks instead of 4)
Oct 2017 - $184.61 k
Nov 2017 - $190.83 k
Dec 2017 - $196.66 k
Jan 2018 - $210.26 k
Feb 2018 - $205.18 k (market loss plus one less paycheck)
Mar 2018 - $211.20 k
Apr 2018 - $215.64 k
May 2018 - $220.34 k
Jun 2018 - $223.78 k
Jul 2018 - $232.53 k
Aug 2018 - $239.87 k
Sep 2018 - $242.39 k; so close
Oct 2018 - $230.33 k

Sent from my SM-N920V using Tapatalk

Nov 2018 - $238.53 k
« Last Edit: December 01, 2018, 08:17:35 PM by tjrssibelle »

Milkm4n

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Re: Race from 100 to 250k
« Reply #2102 on: December 02, 2018, 05:55:36 AM »
NOVEMBER UPDATE       

03/01/18: $100,871
04/01/18: $104,410
05/01/18: $109,333
06/01/18: $111,851
07/01/18: $115,134
08/01/18: $118,949
09/01/18: $121,714
10/01/18: $123,222
11/01/18: $123,710
12/01/18: $132,287 ($8,577 increase)

Finally a nice increase for me in 2018 😊

Blahhhh456

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Re: Race from 100 to 250k
« Reply #2103 on: December 02, 2018, 12:05:25 PM »

Including IRAs, 401(k), HSA, and Investment Account.
Jan 1, 2016 - $81,396
Aug 1, 2016 - $120,039
Oct 1, 2016 - $122,943
Jan 1, 2017 - $128,893
Mar 1, 2017 - $151,772
May 1, 2017 - $156,756
Aug 1, 2017 - $170,072
Sep 1, 2017 - $174,170
Oct 1, 2017 - $189,054
Nov 1, 2017 - $196,010
Dec 1, 2017 - $201,106
Jan 1, 2018 - $205,595.91
Feb 1, 2018 - $216,842.97
Mar 1, 2018 - $205,429.70
Apr 1, 2018 - $214,541.70
May 1, 2018 - $218,916.00
June 1, 2018 - $220,322.00
July 1, 2018 - $224,289.00
August 1, 2018 - $233,189.00

Good month for gains in the market!

Whoops a little late with reporting!!
Sept 1, 2018 - $243,320
Thank you to three paycheck month, I am closing in on $250k!

Oct 1, 2018 - $247,758
So close!! Next month should put me over $250k; hoping for no dramatic loss in the markets.

Nov 1, 2018 - $233,686 - yes, that dramatic loss in the market happened... I guess I will be here for a little longer :)

Dec 1, 2018 - $241,845 - creeping back up. My goal was end of this month. Pending stock market fluctuations, I may or may not make the goal. :/

Toad

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Re: Race from 100 to 250k
« Reply #2104 on: December 02, 2018, 08:31:19 PM »
Summary of accounts:

   Date      Bank Accounts      Taxable Investments      IRAs and 401k      TOTAL      CHANGE   
   February 1, 2018      $13,975.00      $81,380.67      $51,185.33      $146,541.00   
   February 16, 2018      $13,812.30      $82,021.39      $51,242.74      $147,076.43      +0.37%   
   March 1, 2018      $10,851.87      $81,263.42      $50,645.46      $142,760.75      -2.93%   
   March 16, 2018      $10,400.70      $86,537.43      $51,975.87      $148,914.00      +4.31%   
   April 1, 2018      $9,260.83      $82,902.34      $49,913.25      $142,076.42      -4.59%   
   April 16, 2018      $9,024.81      $84,219.71      $56,999.42      $150,243.94      +5.75%   
   May 1, 2018      $6,865.67      $81,933.59      $59,445.02      $148,244.28      -1.33%   
   May 16, 2018      $7,083.48      $82,866.54      $62,421.20      $152,371.22      +2.78%   
   June 1, 2018      $6,764.50      $83,959.71      $66,115.73      $156,839.94      +2.93%   
   June 16, 2018      $6,879.10      $83,700.80      $69,304.41      $159,884.31      +1.94%   
   July 1, 2018      $7,123.50      $83,121.42      $69,308.09      $159,553.01      -0.21%   
   July 16, 2018      $10,719.90      $85,129.69      $71,826.92      $167,676.51      +5.09%   
   August 1, 2018      $14,732.56      $86,652.82      $72,329.18      $173,714.56      +3.60%   
   August 16, 2018      $13,196.71      $87,191.11      $73,238.38      $173,626.20      -0.05%   
   September 1, 2018      $13,673.41      $90,472.35      $74,941.54      $179,087.30      +3.15%   
   September 16, 2018      $15,374.17      $91,006.68      $75,107.00      $181,487.85      +1.34%   
   October 1, 2018      $16,854.55      $91,794.30      $75,717.00      $184,365.85      +1.59%   
   October 16, 2018      $16,612.47      $88,368.57      $73,031.47      $178,012.51      -3.45%   
   November 1, 2018      $18,285.38      $84,982.39      $71,020.77      $174,288.54      -2.09%   
   November 16, 2018      $18,662.38      $90,062.64      $71,356.00      $180,081.02      +3.06%   
   December 1, 2018      $17,708.68      $91,239.50      $71,548.00      $180,496.18      +0.23%   

Safe to say my stretch goal of 200k will not be reached, but ending the year on a high seems possible which would be good.

moonpalace

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Re: Race from 100 to 250k
« Reply #2105 on: December 03, 2018, 08:26:02 AM »
01/2017:  $42,000
....
01/2018:  $143,602
02/2018:  $151,025
03/2018:  $158,208
04/2018:  $161,505
05/2018:  $171,200
06/2018:  $186,416
07/2018:  $190,600
08/2018:  $201,789
09/2018:  $214,798
10/2018:  $223,764
11/2018:  $221,810
12/2018:  $230,270


Link to group spreadsheet

Epor

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Re: Race from 100 to 250k
« Reply #2106 on: December 03, 2018, 09:55:28 AM »

Code: [Select]
Jan-2014 $24,525.00
Jan-2015 $32,090.00
Jan-2016 $39,258.00
Jan-2017 $59,072.00 (found MMM   3/17)
----------
                Total       Saved       Market G/L
01/01/18 93684.00   2136.40 908.60
02/01/18 103443.00   4675.00     5084.00
03/01/18 100621.00   1645.00    -4467.00
04/01/18 100572.00   1645.00    -1694.00
05/01/18 102878.00   1845.00      461.00
06/01/18 109348.00   3845.00     2625.00
07/01/18 117669.00   8265.00       56.00
08/01/18 121581.00    400.00     3512.00
09/01/18 126351.00    400.00     4370.00
10/01/18 126843.00   2400.00    -1908.00
11/01/18 117288.00   1691.00   -11246.00
12/01/18 122575.00   3022.00     2265.00

Check2400

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Re: Race from 100 to 250k
« Reply #2107 on: December 03, 2018, 10:25:01 AM »
Jan. 1, 2017 - 103,000
Feb. 1, 2017 - 106,500
Mar. 1 2017  - 102,500
Apr. 1  2017 -  110,000
May 1  2017 -  112,500
June 1 2017 -  113,500
July  1 2017 -  120,500
Aug. 1 2017 -  131,000
Sept. 1 2017-  131,000
Oct.  1  2017-  131,500
Nov. 1  2017 - 135,000
Dec. 1  2017 - 140,000
Jan. 1   2018 - 160,000
Feb. 1   2018-  168,000
Mar. 1   2018-  168,000
April 1   2018-  169,000
May 1   2018 -  171,000
June 1  2018 -  178,000
July  1  2018 -  180,500
Aug. 1  2018 -  194,000
Sept 1  2018 -  200,500
Oct. 1  2018 -  200,800
Nov. 1 2018 -  184,000
Dec. 1 2018 -  195,000

Nice bounceback at last.  Not too much to update on anything.  Should be getting end of year bonus soon to do a true 2 year update. 




coffeefueled

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Re: Race from 100 to 250k
« Reply #2108 on: December 03, 2018, 05:12:10 PM »
Aug2018: 208,651
Sept2018: 215,804
Oct2018: 223,539
Nov2018: 217,200
Dec2018: 219,978

Looking forward to the next upswing. Glad my 401k contributions are automated so I don't have to think about the ups and downs.

FrugalByChance

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Re: Race from 100 to 250k
« Reply #2109 on: December 04, 2018, 05:19:09 AM »
I will join in the race but only counting my "Early Retirement stash". So this does not include my emergency-fund, pension capital, or payed-off residence.

These are the "end of the month" numbers:
Month      Early Retirement Stash
Jan 2016   €  58,971.00
...
Jan 2017   €  86 368.00
...
Jan 2018   € 119 817.00
Feb 2018   € 118 464.00
Mar 2018   € 115 094.00
Apr 2018   € 122 622.00
May 2018   € 128 787.00
Jun 2018   € 130 283.31
Jul 2018   € 135 595.00
Aug 2018   € 138 342.00
Sep 2018   € 139 524.74
Oct 2018   € 138 230.42


Nov 2018   € 144 029.86 

dcozad999

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Re: Race from 100 to 250k
« Reply #2110 on: December 04, 2018, 08:24:30 AM »
2/1/2018    $198,264.59
3/1/2018    $204,079.63
4/1/2018    ???
5/1/2018    $206,310.31
6/1/2018    $207,731.13
7/1/2018    $209,452.69
8/1/2018    $218,450.07
9/1/2018    $224,242.78
10/1/2018  $227,036.87
11/1/2018  $214,106.68
12/1/2018  $219,948.36

daverr7

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Re: Race from 100 to 250k
« Reply #2111 on: December 04, 2018, 09:21:41 AM »
Hello, joining in!

Rather than net worth, reporting on investments. Goal of $250,000 by March 2019. Goal of $500,000, paid off mortgage, and FI by January 2023.

Investments:
5/1/2018: $192,000
6/1/2018: $200,737
7/1/2018: $205,121
8/1/2018: $213,771
9/1/2018: $222,070
10/1/2018: $225,027
11/1/2018: $216,074 - better luck next month!

12/1/2018: $219,241

mountain_air

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Re: Race from 100 to 250k
« Reply #2112 on: December 04, 2018, 09:36:15 AM »
5/1/17     25,273
6/1/17     52,894  (I believe we transferred some money over)
7/1/17     59,114
8/1/17     67,337
9/1/17     75,486
10/1/17   80,726
11/1/17   85,681
12/1/17  100,005  (extra paycheck month for us both!)
1/1/18    105,431
2/1/18    108,535
3/1/18    111,337
4/1/18    117,617
5/1/18    135,266 (a slight tax refund and extra paycheck!)
6/1/18    146,521
7/1/18    150,573
8/1/18    155,306 (slow and steady)
9/1/18    169,777
10/1/18  178,901 (DW started to contribute to 401k, some good market returns!)
11/1/18  179,225 (man the market sucked balls the past month, poured lots of money in just to see no result...)
12/1/18  185,066 (somehow stayed positive NW throughout all the chaos.  Grateful for that)

If anyone started feeling down about where they are at, simply look where you were a year ago, live in that state for a few minutes, and then relax and look at your numbers today.  We will all get there eventually.  Chins up everyone!

ardrum

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Re: Race from 100 to 250k
« Reply #2113 on: December 04, 2018, 10:28:54 AM »
2/1/18 - $103,481
3/1/18 - $100,568
4/1/18 - $103,798
5/1/18 - $108,542
6/1/18 - $117,139
7/1/18 - $121,565
8/1/18 - $126,719
9/1/18 - $136,714
10/1/18 - $139,465
11/1/18 - $131,465
12/1/18 - $136,952

3 paycheck November helped!  On a side note, I'm forecasting my original student loan debt of ~$58k will be under $2k by the end of the year! ALMOST THERE!!!

mountain_air

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Re: Race from 100 to 250k
« Reply #2114 on: December 04, 2018, 06:52:45 PM »
2/1/18 - $103,481
3/1/18 - $100,568
4/1/18 - $103,798
5/1/18 - $108,542
6/1/18 - $117,139
7/1/18 - $121,565
8/1/18 - $126,719
9/1/18 - $136,714
10/1/18 - $139,465
11/1/18 - $131,465
12/1/18 - $136,952

3 paycheck November helped!  On a side note, I'm forecasting my original student loan debt of ~$58k will be under $2k by the end of the year! ALMOST THERE!!!

Way to go!!

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2115 on: December 04, 2018, 10:01:55 PM »
What's the consensus here on including value of rsu's for this thread? I don't plan to leave my employer unless I get multiples of rsu's elsewhere anyway.

solon

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Re: Race from 100 to 250k
« Reply #2116 on: December 05, 2018, 06:03:26 AM »

 1/2017  $88,615
 1/2018 $132,155
 2/2018 $138,015
 3/2018 $137,779
 4/2018 $148,093
 5/2018 $158,814
 6/2018 $161,284
 7/2018 $160,446
 8/2018 $168,222
 9/2018 $184,258
10/2018 $189,536
11/2018 $184,146
12/2018 $182,675


The strange thing is, I feel like we're doing really well. Income is up, saving is up. It just doesn't show in the net worth.

Here's the group spreadsheet: https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0

RWD

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Re: Race from 100 to 250k
« Reply #2117 on: December 05, 2018, 07:39:58 AM »
What's the consensus here on including value of rsu's for this thread? I don't plan to leave my employer unless I get multiples of rsu's elsewhere anyway.

Use your vesting schedule, maybe?

Check2400

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Re: Race from 100 to 250k
« Reply #2118 on: December 05, 2018, 11:04:34 AM »
1/2018 $132,155
12/2018 $182,675


The strange thing is, I feel like we're doing really well. Income is up, saving is up. It just doesn't show in the net worth.

I suppose it is subjective to your income, but adding $50,000 in a year is a pretty good increase in the net worth.  Maybe you're experiencing the Mustachian equivalent of keeping up (savings) with the Jones'?

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2119 on: December 05, 2018, 12:02:37 PM »
1/2018 $132,155
12/2018 $182,675


The strange thing is, I feel like we're doing really well. Income is up, saving is up. It just doesn't show in the net worth.

I suppose it is subjective to your income, but adding $50,000 in a year is a pretty good increase in the net worth.  Maybe you're experiencing the Mustachian equivalent of keeping up (savings) with the Jones'?

Agreed, growing NW by 50k is great, that's basically 2-4 times annual expenses if you plan to retire 10-20 years from now @ 7% market return.

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2120 on: December 05, 2018, 12:03:34 PM »
What's the consensus here on including value of rsu's for this thread? I don't plan to leave my employer unless I get multiples of rsu's elsewhere anyway.

Use your vesting schedule, maybe?

Yeah I guess I could go about it that way as well. 1st world problem nonetheless.

solon

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Re: Race from 100 to 250k
« Reply #2121 on: December 05, 2018, 08:10:33 PM »
1/2018 $132,155
12/2018 $182,675


The strange thing is, I feel like we're doing really well. Income is up, saving is up. It just doesn't show in the net worth.

I suppose it is subjective to your income, but adding $50,000 in a year is a pretty good increase in the net worth.  Maybe you're experiencing the Mustachian equivalent of keeping up (savings) with the Jones'?

Agreed, growing NW by 50k is great, that's basically 2-4 times annual expenses if you plan to retire 10-20 years from now @ 7% market return.

Aw. You guys are sweet.

Stimpy

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Re: Race from 100 to 250k
« Reply #2122 on: December 06, 2018, 12:03:44 PM »
DateFIREMediTotal NW% IncreaseNotes
6/1/2017$115,738 -
6/30/2017$117,232~ +1.29%
7/31/2017$119,087~ +1.58%
8/31/2017$123,218~ +3.47%
9/30/2017$123,886~ +0.54%
10/31/2017$125,468.75+1.28%
11/30/2017$124,036.64~-1.14%- Almost a new leap day  ;)
12/31/2017$130,952.23~5.58%- Side note: previous month didn't have tax liens so this % is a little skewed
1/31/2018$135,011.70~ 3.10%
2/28/2018$135,864.07~ 0.63%
3/30/2018$138,236.93~2.39%
4/31/2018$146,471.66~5.96%
5/31/2018$149,243.29~ 1.89%
6/29/2018$138,672.35$10,383.62$149,055.97~-.13%
7/31/2018$143,601.47$11,999.00$155,600.47~4.39%
8/31/2018$170,882.66$33,529.66203,882.32~31.37%
9/28/2018$175,228.25$33,941.00209,136.25~2.33%
10/31/2018$173,675.18$37,549.95$211,225.13~0.98%
Numbers based on Mint

11/30/2018 Fire: $175,846.66 + Medi  $43663.51 = $219,510.17 ~3.92%

Posting a little late as I have been out for the last several weeks. 
So realized my math was a little off, total number is correct but FIRE and Medi were off, mainly cause I left the mandatory saving account part of the HSA out of the medi calculation.  So, opps?  Corrected for ongoing calculations (though I could go back and work it as it's set number but just call me too lazy to care!).

Other then that steady as she goes.  My (unrecorded!) prediction of 220k by the end of the year looks like it's gonna be beaten but I think I can live with that.

Toad

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Re: Race from 100 to 250k
« Reply #2123 on: December 07, 2018, 09:12:31 PM »
Maybe you're experiencing the Mustachian equivalent of keeping up (savings) with the Jones'?

I definitely get this every time I look at the spreadsheet.  No idea how some of you do it.  My % increase is among the lowest and my expenses are damn low.  Some people with higher NW than me are almost double where I am % wise which is insane.  I guess I am doing single player mode currently so maybe that has something to do with it.  Anyways, good job everyone, I will just be here in back bringing up the rear.

Lews Therin

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Re: Race from 100 to 250k
« Reply #2124 on: December 07, 2018, 10:36:10 PM »
Hating your job and being willing to do whatever it takes to keep expenses down low helps.

Toad

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Re: Race from 100 to 250k
« Reply #2125 on: December 07, 2018, 11:38:14 PM »
Hating your job and being willing to do whatever it takes to keep expenses down low helps.

Already there.  Aren't we all?

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2126 on: December 08, 2018, 08:28:38 AM »
Hating your job and being willing to do whatever it takes to keep expenses down low helps.

Already there.  Aren't we all?

I feel that thinking in MMM-like ways encourages people to focus on what is most important to them, even before the RE part of this journey. Maybe make a resolution for the new year that you will start looking elsewhere for jobs that offer a better situation for you, there are plenty of exciting jobs out there. Just don't settle because it's comfortable.

I'm also in single player mode but make good money so i'm still able to make decent progress despite that.

ardrum

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Re: Race from 100 to 250k
« Reply #2127 on: December 08, 2018, 10:22:51 AM »
Maybe you're experiencing the Mustachian equivalent of keeping up (savings) with the Jones'?

I definitely get this every time I look at the spreadsheet.  No idea how some of you do it.  My % increase is among the lowest and my expenses are damn low.  Some people with higher NW than me are almost double where I am % wise which is insane.  I guess I am doing single player mode currently so maybe that has something to do with it.  Anyways, good job everyone, I will just be here in back bringing up the rear.

Sometimes I think it would be nice to somehow see a visual representation of how little the "below median" savings rate is (virtually nothing) in the general population to put it in perspective of how well we're all actually doing regardless of differences among us.  Comparing yourself to other Mustachians is like trying to stand out in the NFL or something haha!  We're shooting for the moon and landing among the Mustachian stars.  Keep up the good job! 

Toad

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Re: Race from 100 to 250k
« Reply #2128 on: December 08, 2018, 05:46:30 PM »
Maybe make a resolution for the new year that you will start looking elsewhere for jobs that offer a better situation for you, there are plenty of exciting jobs out there. Just don't settle because it's comfortable.

It will happen next year out of necessity regardless.  My fiancee is in the bay area and will be for 4 more years.  She can't move in that time, so I will be heading out that way next year.  Kills me to do that since I am effectively doubling my spend moving to that area, but I just remind myself that the overall net is not a significant change since we are currently paying for 2 rents between us anyways.  Here's to hoping I will be FIRE in 4 years so I won't need a new job on the next move :) (my fiancee is a valid retirement plan, right?)

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2129 on: December 08, 2018, 07:25:21 PM »
(my fiancee is a valid retirement plan, right?)

Hehe, my wife has been retired for a number of years is on a government pension that well exceeds most people's target RE spending levels. She was retired when we met so I have to build my own stache which I am fine with.

As far as the bay area, I don't envy you because that place has terrible traffic and is ridiculously expensive.

Raymond Reddington

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Re: Race from 100 to 250k
« Reply #2130 on: December 08, 2018, 11:57:32 PM »
November was an OK but unspectacular month. It was fraught with a couple challenges, namely my stupid temper which led to me breaking my flip phone and having to spend $144 on the replacement and fend off a slew of add-ons to the monthly bill that I did not authorize that the idiot in-store rep signed me up for without my permission, but my $39/month phone bill remains intact after much haranguing. But other than that, I am most proud of spending $0 on work related expenses for the entire month! I brought lunch from home every single day, took public transit enough that the tank of gas I bought in October is still 1/4 full, and avoided tolls entirely. Sadly, I can't say the same for December so far, but it was nice in that regard.

Overtime is still non-existent at work, but thankfully my pretax savings do not depend on overtime...another month, but this one had three pay periods in it, so $1500 went into my pretax accounts instead of the usual $1000, which is nice. Can't wait for the big retro check coming whenever our raises go through, which I'll be directing 80% of to the pretax account anyway, but that will be a nice small boost to my net possessions.

I added some more money into my brokerage account, picking up defensive stocks mainly on weakness, as I continue to split my savings between individual quality dividend stocks and indexing. The early returns on investing in the municipal bond fund through Vanguard seem promising - the $3000 I invested last month has already paid its first dividend, and will yield over $100 annually for life, tax free. I am excited to continue to contribute a portion of my savings each year to this fund to see how it grows. With volatility in the markets, I am trying to be more cautious in general since I know I can't time the market, but trying to get in on small dips when I can. Honestly, I'm probably done contributing for a bit, because I need to start setting aside the 5500 to put into my Roth in the spring as a 2017 contribution, and I don't want to dip into the emergency fund to pay for it. The net possessions number posted below looks nice, but I attribute that mainly to a friendly last few days of market trading sessions rather than to some genius Mustachian techniques or tendencies on my part, and those gains have already disappeared in December, so I'm evaluating my November performance mainly on my savings rate. I smooth my takehome income so I don't get a false sense of security in three-pay-cycle months (like November 2018), so I estimate using this method that my savings rate in November was a pedestrian 41.4% of takehome pay (which also includes already paid costs that I amortize over the "contract period" like vehicle registration, insurances, etc). Several of those (including the phone) were one time items, without which I would have saved over 50%, but I can't discount them, that's not the way this works, they're spending. I prefer to amortize because it allows me to derive more meaningful conclusions about my spending when comparing different months, as well as track my cost increases better when prices for spending items rise.

The elephant in the room is house upgrades. The basement project has turned into a nightmare, and we are leaning towards just getting it done sooner for peace of mind and to get the square footage back so we can put things away properly. We continue to slowly progress through clutter disposal and Craigslist/eBay sales of items that have value, but there's still more than we like. Re: basement - we will do as much of the work ourselves as we can, but it's going to be a hefty bill regardless - mainly because one of the non load bearing walls has become load bearing over time as the house has settled on it. In the meantime, December's budget figures to be below my usual standard with holiday expenses, a trip to visit family planned (even though we'll be driving and staying with them to minimize cost), and an oil tank refill looming as well. We've been keeping the thermostat at a brisk 63 so far. After I finish insulating more of the basement steam pipes, we will probably bump that to 64 for the coldest part of the winter. But electric bills have been running around $130 monthly of late, which is far better than years previous as we've been more conscious of our energy use this year.

So my fortunes will remain heavily tied to the market through year end.

On the plus side, I really haven't sold many winning investments this year, so that should help keep the tax bill low through deducting capital losses, and I have to see where I stand on my conversion of my IRA to Roth from the spring re: taxes, since I know that will add some expense, but I'm hoping lower marginal rates will help in that regard. We live in a high tax state, however, so how the new limits on deductions will play out for us is anyone's guess. I'm hoping there's a refund that I can throw into savings coming my way, although obviously the benefit of that won't be until next year.

December 2014: $89,173 (I don't have the exact date I hit 100K, so including this here anyway)
December 2015: $106,299
December 2016: $147,449
December 2017: $182,600
June 2018: $217,065
July 2018: $221,250
August 2018: 222,274
September 2018: 224,569
October 2018: 220,241
November 2018: 226,052
« Last Edit: December 09, 2018, 12:09:50 AM by Raymond Reddington »

BSL18

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Re: Race from 100 to 250k
« Reply #2131 on: December 09, 2018, 06:22:51 AM »
Maybe you're experiencing the Mustachian equivalent of keeping up (savings) with the Jones'?

I definitely get this every time I look at the spreadsheet.  No idea how some of you do it.  My % increase is among the lowest and my expenses are damn low.  Some people with higher NW than me are almost double where I am % wise which is insane.  I guess I am doing single player mode currently so maybe that has something to do with it.  Anyways, good job everyone, I will just be here in back bringing up the rear.

Sometimes I think it would be nice to somehow see a visual representation of how little the "below median" savings rate is (virtually nothing) in the general population to put it in perspective of how well we're all actually doing regardless of differences among us.  Comparing yourself to other Mustachians is like trying to stand out in the NFL or something haha!  We're shooting for the moon and landing among the Mustachian stars.  Keep up the good job!

Well I seriously doubt it will actually make you feel any better (Saving rate data for Canada):

Toad

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Re: Race from 100 to 250k
« Reply #2132 on: December 09, 2018, 08:46:19 AM »
Well I seriously doubt it will actually make you feel any better (Saving rate data for Canada):

Graph is in thousands saved annually I assume?   Better than iI would have thought if so actually.  I mean...Used to be at 20k/yr which is actually extremely good for a medium.

2Birds1Stone

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Re: Race from 100 to 250k
« Reply #2133 on: December 09, 2018, 10:19:50 AM »
I would imagine it's % of income saved.

You can see how countries stack up against each other in the graph on networthify.com's ER calc

BSL18

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Re: Race from 100 to 250k
« Reply #2134 on: December 09, 2018, 12:20:32 PM »
Well I seriously doubt it will actually make you feel any better (Saving rate data for Canada):

Graph is in thousands saved annually I assume?   Better than iI would have thought if so actually.  I mean...Used to be at 20k/yr which is actually extremely good for a medium.

It is in % of income... 0,8% is apparently an all-time low.

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2135 on: December 09, 2018, 05:32:07 PM »
Well I seriously doubt it will actually make you feel any better (Saving rate data for Canada):

Graph is in thousands saved annually I assume?   Better than iI would have thought if so actually.  I mean...Used to be at 20k/yr which is actually extremely good for a medium.

It is in % of income... 0,8% is apparently an all-time low.

I would hope so …

Slow&Steady

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Re: Race from 100 to 250k
« Reply #2136 on: December 10, 2018, 09:02:01 AM »
Only tracking Invested Total.  My stretch goal is to get to 120k in investments by the end of the year. 


Code: [Select]
        401K        IRA Invested Total Home Value Rental Value Debt         Total NW
Dec-13 $43,660 $0         $43,660 $120,000 $120,000 $232,000 $51,660
Dec-14 $52,943 $0         $52,943 $125,000 $125,000 $227,000 $75,943
Dec-15 $55,622 $0         $55,622 $130,000 $130,000 $227,000 $88,622
Dec-16 $68,870 $700 $69,570 $200,000 $130,000 $281,000 $118,570
Dec-17 $96,294 $1,167 $97,461 $240,000 $135,000 $317,727 $154,724
Jan-18 $101,379 $1,212 $102,591 $240,000 $135,000 $316,332 $161,258
Feb-18 $97,645 $4,248 $101,894 $240,000 $135,000 $314,997 $161,896
Jun-18 $104,527 $4,218 $108,745 $240,000 $135,000 $309,458 $174,286
Jul-18 $108,967 $4,350 $113,317 $240,000 $125,000 $307,995 $170,322
Aug-18 $113,625 $4,398 $118,023 $240,000 $125,000 $303,563 $179,460
Sept-18 $114,907 $4,404 $119,311 $240,000 $125,000 $301,045 $183,266
Oct-18 $109,932 $4,164 $114,096 $240,000 $125,000 $299,806 $179,290
Nov-18 $110,623 $4,145 $114,767 $240,000 $125,000 $297,382 $182,385

Not much to say.  The market will need to be very very friendly in Dec if I am going to reach that stretch goal.

Today my 401k balance is less than Jan 2018 + 401k contributions for 2018

CorpRaider

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Re: Race from 100 to 250k
« Reply #2137 on: December 10, 2018, 09:04:02 AM »
Liquid Investments: 

12/14 ~    $46,000
12/15 ~    $81,000
12/16 ~  $109,000
12/17 ~  $164,000     
01/18 ~  $174,000
02/18 ~  $172,000
03/18 ~  $175,000
04/18 ~  $180,000
05/18 ~  $184,000
06/18 ~  $174,000
07/18 ~  $183,000
08/18 ~  $186,000
09/18 ~  $188,000
10/18 ~  $179,000
11/18 ~  $184,000

Forgot to post this.  Pretty ok bounce back during November.  Writing now, from the future, I know that the bounce was fleeting. haha. 
« Last Edit: December 10, 2018, 09:08:54 AM by CorpRaider »

fuzzy math

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Re: Race from 100 to 250k
« Reply #2138 on: December 10, 2018, 10:13:22 AM »
June 2018.  $219,320
July 2018. $228,483
Aug 2018 $234,711
Sept 2018 $245,993
Oct 2018.  $251,023
Nov 2018 238,881

Dec 2018 244,687 

For another few fleeting days my $4900 had a positive overall effect then it went to shitsville again! (NW today is in the 235 range)
It appears I will never actually leave this thread

AcftW

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Re: Race from 100 to 250k
« Reply #2139 on: December 16, 2018, 03:02:13 PM »

$43,153 - Jan 2016
$67,328 - Jan 2017

$119,626 - Jan 2018
$123,301 - Feb 2018
$127,224 - Mar 2018
$126,450 - Apr 2018
$130,499 - May 2018
$125,105 - Jun 2018
$115,346 - Jul 2018
$121,995 - Aug 2018
$128,269 - Sep 2018
$135,577 - Oct 2018
$134,956 - Nov 2018
$123,348 - Dec 2018

Check2400

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Re: Race from 100 to 250k
« Reply #2140 on: December 17, 2018, 09:23:53 AM »
Today my 401k balance is less than Jan 2018 + 401k contributions for 2018

I hate that you made this comment.  I just checked my 401k, and from January to my final contribution last week I've gained only $12000, or $7500 less than my contributions and match. 

Slow&Steady

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Re: Race from 100 to 250k
« Reply #2141 on: December 17, 2018, 01:22:59 PM »
Today my 401k balance is less than Jan 2018 + 401k contributions for 2018

I hate that you made this comment.  I just checked my 401k, and from January to my final contribution last week I've gained only $12000, or $7500 less than my contributions and match.

I just wish I could say that I bought most of it at prices closer to today's value.  As of today the 401k has a value of Dec-17 + 2018 Contributions.  My concern/frustration is that my company is switching 401k providers in January. I feel like when they do this rollover I will be actually losing money, "you only lose money when you withdrawal", I bought a lot of those stocks at a higher rate than what I will be selling/cashing them out for.  I know it will just be reinvested and I will be buying at whatever that rate is but I am not sure that I am happy about this (partly happy because we will be moving to Fidelity from a small fry company). 

randomusername

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Re: Race from 100 to 250k
« Reply #2142 on: December 19, 2018, 08:43:09 AM »
I just started tracking my net worth in November, and plan to post when I have a few months of data to add.  The biggest eye opener for me has been the need for consolidation, especially around retirement accounts.  From different jobs over the years I have old 401(k)s all over the place.  (My bad... never bothered to roll over).  Working on getting them all rolled over to Betterment (where I also started a taxable account).  Still keeping all the ones I have in Fidelity, as that is 401(k) for my current company.

I should be solidly in this group for a while.  I'm having a hard time limiting myself from fretting over day to day changes in NW, rather than monthly progress.  It goes SLOW when you look at it every day.  :)

SquirrelStache

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Re: Race from 100 to 250k
« Reply #2143 on: December 20, 2018, 08:04:41 AM »
June 2017 - $100,579
July 2017 - $103,003
August 2017 - $106,713
December 2018 - $215,958.19

Slight date gap there, but nice increase nonetheless :)



ItsALongStory

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Re: Race from 100 to 250k
« Reply #2144 on: December 20, 2018, 05:45:16 PM »
The one benefit of big date gaps are generally big nw jumps, nice job!

SquirrelStache

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Re: Race from 100 to 250k
« Reply #2145 on: December 21, 2018, 08:02:03 AM »
Thank you! I have a feeling that's going to down next month, but oh well.

SeattleStache

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Re: Race from 100 to 250k
« Reply #2146 on: December 27, 2018, 11:49:49 AM »
First number is retirement savings, second is total NW including cash emergency savings and real estate equity.

January 2015: $98,619

January 2016: $101,235
December 2016: $140,779 (total NW $269,089)

January 2017: $151,307 (total NW $276,052)
December 2017: $193,677 (total NW $364,276)

January 2018: $203,876
February 2018: $200,867 (total NW $382,740)
March 2018: $196,371 (total NW $393,470)
April 2018: $197,690 (total NW $397,029)
May 2018: $201,800 (total NW $372,420) hit with a special assessment at the condo
June 2018: $202,198 (total NW $376,525)
July 2018: $208,954 (total NW $380,041)
August 2018:$213,699 (total NW $385,100)
September 2018: $215,600 (total NW $385,197)
October 2018: $201,612 :-/ (total NW $372,274)
November 2018: $204,686 (total NW $376,288)
December 2018: $194,973 (total NW $367,535)

Well, I know this comes with the territory, but I can’t help to feel like I’m ending the year on a down note. Here’s to buying low I suppose!

The total NW is over $250k but I'm focused on retirement only for this challenge. A good chunk of the NW is real estate equity.

Gin1984

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Re: Race from 100 to 250k
« Reply #2147 on: December 27, 2018, 07:43:23 PM »
I forgot to update last year.  I was at $133,000 at December 2017 as DH got a job but it was job that required moving so I quit mine in September of 2017.  I got another job in January of 2018 and am now at $178,000.  I hope to pass $200K this year.
« Last Edit: December 27, 2018, 07:47:02 PM by Gin1984 »

dreadmoose

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Re: Race from 100 to 250k
« Reply #2148 on: December 28, 2018, 02:59:52 PM »
   Jul 1, 2016      -$19,048    
   Jan 1, 2017      -$25,189     <--Found MMM
   Jan 1, 2018       $110,473    
   Feb 1       $116,237    
   Mar 1       $122,184    
   Apr 1       $122,764    
   May 1       $129,950    
   June 1       $149,174    
   July 1       $154,992            
   Aug 1       $167,846            
   Sep 1       $180,482            
   Oct 1       $185,098            
   Nov 1       $194,857            
   Dec 1       $205,773           
   Dec 28       $212,860           (+7,087)

Phew, this was a hard month to keep up with stock market losses. End of year overtime cash and a substantial gift from my father barely covered it. Added 21,836.52 and only went up 7,087. Yay for cheap stocks, hopefully.

I don't count my house equity, so this is just investments minus loans (I invest instead of paying off my low interest loans).

MrUpwardlyMobile

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Re: Race from 100 to 250k
« Reply #2149 on: December 28, 2018, 08:12:40 PM »
1/12/18 - $75,103.12
1/16/18 - $83,567.53
2/1/18 - $94,138.48
2/15/18 - $91,543.60
3/4/18 - $106,647.81
3/15/18-$113,810.14
4/1/18-$118,457.70
4/13/18-$122,591.10
5/1/18 - $124,603.56
5/15/18 - $129,202.24
5/31/18 - $150,940.36
6/16/18 - $154,273.90
6/30/18- $155,247,41
7/16/18 - $182,310.10
8/1/18 - $186,730.18
8/15/18 - $188,050.23
9/1/18 - $192,672,95
9/17/18 - $196,425.73
10/1/18 - $197,629.50
11/1/18 - $200,082.02

12/28/18 - $270,941.02

And I’m done with this thread. Thanks for having me folks