Author Topic: Race from 100 to 250k  (Read 733157 times)

35andFI

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Re: Race from 100 to 250k
« Reply #2700 on: October 13, 2019, 03:48:45 PM »
Sweet! I updated the Google sheet with my info as well.

Accrual

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Re: Race from 100 to 250k
« Reply #2701 on: October 14, 2019, 01:25:55 PM »
Cool thread.

6/1/2018 - $102k
6/1/2019 - $167k
10/1/2019 - $189k

Adblair0

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Re: Race from 100 to 250k
« Reply #2702 on: October 14, 2019, 02:08:57 PM »
I stumbled across this website a while back and finally decided to jump in on the thread to help with motivation (it's crazy how easy it is to spend money...). I'll only include details on this first post (I always like reading through other people's) and then I'll try to stick with a quick number update. The biggest struggle I have had with saving money has been my love of cars and travel which unfortunately aren't the cheapest hobbies. We'll see if this thread can motivate me to be a little stricter with the spending.

So the NW number is taken from Mint and includes my 401K, Vanguard personal account and the normal credit cards, checking and savings, etc. I'm only 26 years old and am not sure how far down the Mustachian path I'll go long term. I want to find a balance of smart spending while still indulging in luxuries occasionally, keeping my hobbies, but I also don't want to be working until I'm 60. I've always been called frugal by my family, but I'm nowhere close to a lot of people on this forum. The motivation to spend less is always a good thing!

Investments (401K, HSA and Vangaurd): $111,572.21
Cash: $3,511.25
CC Debt: -$3,240.32

In summary:
10/14/19 NW: $111,843.14

Cheers everyone, and good luck!

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2703 on: October 14, 2019, 04:41:25 PM »
Welcome to the thread, always good to see some new folks join in.

Sent from my Pixel 2 XL using Tapatalk


35andFI

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Re: Race from 100 to 250k
« Reply #2704 on: October 14, 2019, 05:08:40 PM »
I stumbled across this website a while back and finally decided to jump in on the thread to help with motivation (it's crazy how easy it is to spend money...). I'll only include details on this first post (I always like reading through other people's) and then I'll try to stick with a quick number update. The biggest struggle I have had with saving money has been my love of cars and travel which unfortunately aren't the cheapest hobbies. We'll see if this thread can motivate me to be a little stricter with the spending.

So the NW number is taken from Mint and includes my 401K, Vanguard personal account and the normal credit cards, checking and savings, etc. I'm only 26 years old and am not sure how far down the Mustachian path I'll go long term. I want to find a balance of smart spending while still indulging in luxuries occasionally, keeping my hobbies, but I also don't want to be working until I'm 60. I've always been called frugal by my family, but I'm nowhere close to a lot of people on this forum. The motivation to spend less is always a good thing!

Investments (401K, HSA and Vangaurd): $111,572.21
Cash: $3,511.25
CC Debt: -$3,240.32

In summary:
10/14/19 NW: $111,843.14

Cheers everyone, and good luck!

Welcome!
Looks like youíre doing pretty good for 26.
Out of curiosity, why are you holding enough in cash to pay of the CC debt but havenít paid it off?

JAYSLOL

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Re: Race from 100 to 250k
« Reply #2705 on: October 14, 2019, 07:52:44 PM »
I stumbled across this website a while back and finally decided to jump in on the thread to help with motivation (it's crazy how easy it is to spend money...). I'll only include details on this first post (I always like reading through other people's) and then I'll try to stick with a quick number update. The biggest struggle I have had with saving money has been my love of cars and travel which unfortunately aren't the cheapest hobbies. We'll see if this thread can motivate me to be a little stricter with the spending.

So the NW number is taken from Mint and includes my 401K, Vanguard personal account and the normal credit cards, checking and savings, etc. I'm only 26 years old and am not sure how far down the Mustachian path I'll go long term. I want to find a balance of smart spending while still indulging in luxuries occasionally, keeping my hobbies, but I also don't want to be working until I'm 60. I've always been called frugal by my family, but I'm nowhere close to a lot of people on this forum. The motivation to spend less is always a good thing!

Investments (401K, HSA and Vangaurd): $111,572.21
Cash: $3,511.25
CC Debt: -$3,240.32

In summary:
10/14/19 NW: $111,843.14

Cheers everyone, and good luck!

Welcome!
Looks like youíre doing pretty good for 26.
Out of curiosity, why are you holding enough in cash to pay of the CC debt but havenít paid it off?

That just looks like a monthly balance to me, thatís what I do, keep pretty much exactly enough for the credit card auto payment to go through and cover whatever else comes out of my checking automatically.  The rest gets invested.  The balance sometime is more than my actual monthly spending because Iím still charging to the card but it doesnít have to be paid off for almost an extra month, so a lot of the time I have like $3-4K balance on the card, even if my monthly charges are more like $2k.  Oh, and welcome Adblair0

35andFI

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Re: Race from 100 to 250k
« Reply #2706 on: October 15, 2019, 04:05:42 AM »
That just looks like a monthly balance to me, thatís what I do, keep pretty much exactly enough for the credit card auto payment to go through and cover whatever else comes out of my checking automatically.  The rest gets invested.  The balance sometime is more than my actual monthly spending because Iím still charging to the card but it doesnít have to be paid off for almost an extra month, so a lot of the time I have like $3-4K balance on the card, even if my monthly charges are more like $2k.  Oh, and welcome Adblair0

Aah good point :)

Check2400

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Re: Race from 100 to 250k
« Reply #2707 on: October 15, 2019, 01:51:51 PM »

...I'm only 26 years old...

...Investments (401K, HSA and Vangaurd): $111,572.21...


Congratulations!  If you never invest another penny for the rest of your traditional working life, you'll retire at 59 as a millionaire!

Now to shave a couple decades off of that timeline and you'll be set.

daveed

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Re: Race from 100 to 250k
« Reply #2708 on: October 15, 2019, 02:54:53 PM »
1/2019 - $107,673.20
2/2019 - $116,133.78
3/2019 - $119538.07
4/2019 - $129090.20
5/2019 - $125,693.12
6/2019 - $138,641.02
7/2019 - $144,176.97 - decided NOT to buy a condo we were looking at and continue renting for the next year or two.
8/2019 - $138,441.20 - went on an expensive but valuable trip to Europe for two weeks + paid $6,000 for grad school tuition. Spent around $10,000 altogether in one month which is loco.
9/2019 - $144,935.02 - Saving rate around 65%. Spent a few hundred dollars on a birthday party which was well worth it. Currently working full time and going to school full time. The hustle is real. Not really sustainable but good for $$$ for the time being. Should cross the 150k mark in October, which will be a great milestone.

To be honest, kind of giving up on our target date for 250k now that I've started grad school. Will most likely stop working full time and switch to something chill that's part time at some point so I can focus on school. But I'll make up for it with an even better job after school. Great for life happiness and flexibility, not great on the initial shorter term agressive savings rates.

Was shooting for $250k by December 2020 but at this point thinking the 250k will more likely be sometime in 2022. Basically delaying everything by 2 years with grad school, but I think it's well worth it to invest in learning and growing in a formal education. The most badass thing with mustachianism and even this small chunk of FU money means that making the decision to do school more for fun than for money was a no brainer.

Just read this book - The Man Who Quit Money - and am completely inspired to live a more lean / minimalistic lifestyle - https://www.amazon.com/dp/B005GSZIN0/ref=dp-kindle-redirect?_encoding=UTF8&btkr=1 . Highly recommend for those of you who like Early Retirement Extreme book.
« Last Edit: October 15, 2019, 02:58:50 PM by daveed »

grantmeaname

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Re: Race from 100 to 250k
« Reply #2709 on: October 15, 2019, 09:51:13 PM »
Nice progress. and congrats on the Europe trip! I will check out a book by that author - The Unsettlers looks interesting.

jojoguy

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Re: Race from 100 to 250k
« Reply #2710 on: October 19, 2019, 07:07:33 PM »
These are investments only between me and my wife`s 401ks, Traditional IRAs(maxed), taxable brokerage, immediate emergency in checking account($3,000), and Money Market account for emergency funds(currently sitting at about 6 months of our budget):

April 13, 2019 = $100,325.68
May 19, 2019 = $104,598.06
June 29, 2019 = $116,258.11
July 28, 2019 = $125,262.57
August 24, 2019 = $125,496.17
September 8, 2019 = $135,203.65
September 21, 2019 = $141,995.43
October 6, 2019 = $144,609.88
October 19, 2019 = $148,424.92

Edit: I contemplated to add my immediate emergency funds of $3,000 to the tally.
« Last Edit: October 21, 2019, 05:19:59 PM by jojoguy »

35andFI

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Re: Race from 100 to 250k
« Reply #2711 on: October 19, 2019, 07:21:54 PM »
Ugh Iíve been spending like an average person lately so Novemberís NW isnít going to look so great...

Buuuuut getting LASIK, paid for a vacation, and fixed my bike!

dutty

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Re: Race from 100 to 250k
« Reply #2712 on: October 20, 2019, 01:09:44 PM »
Quote
12/15 -£2,610
12/16  £5,250   (+£7,860 ~ +301%)
12/17  £10,810 (+£5,560 ~ +106%)
12/18  £68,620 (+£57,810 ~ +634%)
01/19  £68,210  (-£410 ~ -1%)
02/19  £64,060  (-£4,150 ~ -6%)
03/19  £74,350 (+£10,290 ~ +16%)
04/19  £69,650 (-£4,700 ~ -7%)
05/19  £68,950 (-£700 ~ -1%)
06/19  £76,850 (+£7,900 ~ +11%)
07/19  £79,180 (+£2,330 ~ +3%)
08/19  £98,690 (+£19,510 ~ +25%)
09/19  £109,170 (+£10,480 ~ +11% )

Anon in Alaska

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Re: Race from 100 to 250k
« Reply #2713 on: October 21, 2019, 12:46:00 AM »
As of yesterday I'm over $150,000 invested for the first time; maybe $250,000 net worth with paid for condo & car.

It was only six years ago that I had to borrow $200 from a friend to stop a tax check from bouncing; because I did not have $200.

dignam

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Re: Race from 100 to 250k
« Reply #2714 on: October 21, 2019, 08:10:45 AM »
Jun 2017 $112k
Jul 2017 $115k
Aug 2017 $111k [sold house and paid off student loans]
Sep 2017 $117k
Oct 2017 $121k
Nov 2017 $125k
Dec 2017 $126k [buying a house, lots of associated expenses]
Jan 2018 $132k [stellar market]
Feb 2018 $142k [closed on new house, 401k profit sharing lump sum]
Mar 2018 $141k
Apr 2018 $145k [paid off car]
May 2018 $153k
Jun 2018 $156k
Aug 2018 $166k
Sep 2018 $168k
Nov 2018 $152k [Ouch! clearly I'm investing aggressively]
Dec 2018 $149k
Jan 2019 $167k
Feb 2019 $177k
Mar 2019 $186k
Apr 2019 $195k [replaced 16 year old appliances that are falling apart + booked vacation]
May 2019 $197k
Jun 2019 $207k
Jul 2019 $212k
Aug 2019 $207k [tough month; stocks slid and several unexpected expenses]
Sep 2019 $213k
Oct 2019 $217k
« Last Edit: October 23, 2019, 08:25:53 AM by dignam »

daveed

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Re: Race from 100 to 250k
« Reply #2715 on: October 22, 2019, 02:23:54 PM »
Nice progress. and congrats on the Europe trip! I will check out a book by that author - The Unsettlers looks interesting.

Added it to Goodreads! Sounds cool!

ardrum

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Re: Race from 100 to 250k
« Reply #2716 on: October 23, 2019, 02:45:19 PM »
Crossed $200k today! Unreal!  Whether it holds through to my 1st of the month update though is still up in the air.  Still, about 2/3 through the 100k to 250k race!


35andFI

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Re: Race from 100 to 250k
« Reply #2717 on: October 23, 2019, 02:53:46 PM »
Crossed $200k today! Unreal!  Whether it holds through to my 1st of the month update though is still up in the air.  Still, about 2/3 through the 100k to 250k race!

Congratulations on the milestone!

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2718 on: October 23, 2019, 07:12:24 PM »
Crossed $200k today! Unreal!  Whether it holds through to my 1st of the month update though is still up in the air.  Still, about 2/3 through the 100k to 250k race!
Congrats, I also passed it recently. the finish line is in sight!

Sent from my Pixel 2 XL using Tapatalk


politenessman

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Re: Race from 100 to 250k
« Reply #2719 on: October 27, 2019, 10:27:25 AM »
I've just passed the $100k mark, so its off to $250k we go!

Going to reformat this a little:

                   401k              Roth IRA          Investment    total
2019 Q2      $   98,911       $ 1,049           $  686           $ 100,646
2019 Q3      $ 119,001       $ 2,134           $ 1,156         $ 122,291

Now I can see my progress a little better.

Adblair0

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Re: Race from 100 to 250k
« Reply #2720 on: October 28, 2019, 11:09:57 AM »
I stumbled across this website a while back and finally decided to jump in on the thread to help with motivation (it's crazy how easy it is to spend money...). I'll only include details on this first post (I always like reading through other people's) and then I'll try to stick with a quick number update. The biggest struggle I have had with saving money has been my love of cars and travel which unfortunately aren't the cheapest hobbies. We'll see if this thread can motivate me to be a little stricter with the spending.

So the NW number is taken from Mint and includes my 401K, Vanguard personal account and the normal credit cards, checking and savings, etc. I'm only 26 years old and am not sure how far down the Mustachian path I'll go long term. I want to find a balance of smart spending while still indulging in luxuries occasionally, keeping my hobbies, but I also don't want to be working until I'm 60. I've always been called frugal by my family, but I'm nowhere close to a lot of people on this forum. The motivation to spend less is always a good thing!

Investments (401K, HSA and Vangaurd): $111,572.21
Cash: $3,511.25
CC Debt: -$3,240.32

In summary:
10/14/19 NW: $111,843.14

Cheers everyone, and good luck!

Welcome!
Looks like youíre doing pretty good for 26.
Out of curiosity, why are you holding enough in cash to pay of the CC debt but havenít paid it off?

That just looks like a monthly balance to me, thatís what I do, keep pretty much exactly enough for the credit card auto payment to go through and cover whatever else comes out of my checking automatically.  The rest gets invested.  The balance sometime is more than my actual monthly spending because Iím still charging to the card but it doesnít have to be paid off for almost an extra month, so a lot of the time I have like $3-4K balance on the card, even if my monthly charges are more like $2k.  Oh, and welcome Adblair0

Thanks!

That's a good question and I go back and forth with that a lot. I use my CC for day to day purchases and sometimes I let that spending get out of hand with dumb things. I try to keep both accounts separate since I don't want to start viewing that savings as money I can spend. However, I always go back to the fact that holding CC balance costs more due to the interest which causes me to just pay it off anyway. So the short version is that it's more of a mental thing where I'm trying to prevent myself from spending it. I just need to have more discipline with the CC spending. When I get better with time I should really try doing more what JAYSLOL says!

Cheers!

DadJokes

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Re: Race from 100 to 250k
« Reply #2721 on: October 31, 2019, 07:15:11 AM »
I realized that my wife became vested in her pension a few months ago. I really don't know how best to handle it in the calculations. She hasn't contributed anything to it; rather, her employer contributes 5% of her paycheck, and those contributions generate 5% interest annually. From looking at the website, it doesn't look like there is a cash-out option upon retirement. Instead, she wouldn't be able to draw from it until she's 60, regardless of when she retires. I decided to add it to our net worth retroactively to when she became vested, since it looks like it'll reduce our FI date.

Also, I like ASW's way of displaying the numbers, so I'm stealing it.

                       2018                2019                2020                2021               
January     $49,303$60,898--
February$52,048$71,098--
March$53,600$77,557--
April$56,545$81,086--
May$52,774$81,836--
June$44,834$79,610--
July$41,258$88,436--
August$43,517$94,585--
September$48,733$110,221-Grad Goal
October$49,642$115,915-
November$52,012*$122,011-
December$56,889--

*Found MMM
« Last Edit: November 05, 2019, 06:37:12 AM by DadJokes »

zygote

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Re: Race from 100 to 250k
« Reply #2722 on: October 31, 2019, 09:42:07 AM »
For context: I'm 30 in a HCOL city. I'm married, but these are my own numbers since we keep our finances separate. Includes cash, retirement, and credit cards, which are used for normal expenses and paid off in full every month.

3/18: $48,533.91 (found MMM and started tracking)
3/19: $83,762.93
8/19: $101,572.33 (graduated to this thread)
9/19: $104,368.69 (+2,796.36, +2.75%)
10/19: $107,279.56 (+2,910.87, +2.79%)
11/19: $111,107.47 (+3,827.91, +3.57%)

Spent way too much this month, so my cash buffer is lower than usual, but the net worth is still up due to automatic contributions and a little help from the market.

daveed

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Re: Race from 100 to 250k
« Reply #2723 on: October 31, 2019, 11:17:18 AM »
As of yesterday I'm over $150,000 invested for the first time; maybe $250,000 net worth with paid for condo & car.

It was only six years ago that I had to borrow $200 from a friend to stop a tax check from bouncing; because I did not have $200.

Love this success story! In a very similar boat.

daveed

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Re: Race from 100 to 250k
« Reply #2724 on: October 31, 2019, 11:21:09 AM »
Sept 2015 - $125k
Sept 2016 - $192k
Sept 2017 - $339k
Sept 2018 - $395k
--DIVORCE--
Today - $130

Shit.

Whoa. Is that $130 or $130k?

zeli2033

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Re: Race from 100 to 250k
« Reply #2725 on: October 31, 2019, 12:12:50 PM »
6/30/19: $106,071
7/31/19: $112,395
8/31/19: $116,527
9/30/19: $124,973
10/31/19: $135,196 (+10,223)

bw_94

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Re: Race from 100 to 250k
« Reply #2726 on: October 31, 2019, 03:27:49 PM »
9/30/2019 - $111,850 ($192,755)

10/31/2019 - $118,110.47 ($198,064)

[first number is liquid net worth, second number is total net worth]

JAYSLOL

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Re: Race from 100 to 250k
« Reply #2727 on: October 31, 2019, 03:33:30 PM »
Sept 1 - 101.6k
Oct 1 - 106.2k (+4600)
Nov 1 - 108.0k (+1800)

Weak month for me, but at least the numbers are going in the right direction.  Was hoping to hit 115k by the end of the year, might still be doable

Valvore

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Re: Race from 100 to 250k
« Reply #2728 on: October 31, 2019, 03:49:11 PM »
VALVORE HAS ENTERED THE RACE!

1-2019 = $82,000
2-2019 = $90,000 (maxed 2018 IRA)
3-2019 = $102,600 (maxed DH 2018 IRA & 2018 HSA)
4-2019 = $107,800
5-2019 = $111,100
6-2019 = $121,400
7-2019 = $127,700

8-2019 = $135,200
9-2019 = $141,200 (extra 3k to IRA)
10-2019 = $150,000

Gained 50K in just 7 months. I have no idea how we did that. Hoping to get to 165K by end of the year and looking to hit 200K by my birthday in May.

Raenia

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Re: Race from 100 to 250k
« Reply #2729 on: October 31, 2019, 04:15:30 PM »
04/01/2017 - 114,128.11
05/01/2017 - 123,935.63
06/01/2017 - 127,228.98
07/01/2017 - 128,638.92
08/01/2017 - 133,202.60
09/01/2017 - 135,706.79
10/01/2017 - 141,346.00
11/01/2017 - 146,788.93
12/01/2017 - 153,023.95
12/31/2017 - 156,988.01
01/30/2018 - 166,995.57
02/28/2018 - 164,404.90
03/31/2018 - 163,625.13
04/30/2018 - 168,453.88
05/31/2018 - 173,855.43
06/30/2018 - 176,412.22
07/30/2018 - 183,761.04
09/03/2018 - 190,205.44
09/29/2018 - 192,500.25
10/31/2018 - 182,303.59
11/30/2018 - 187,676.36
12/31/2018 - 177,921.99
1/31/2019 - 191,369.58
2/27/2019 - 199,934.11
3/31/2019 - 204,847.64
4/30/2019 - 212,380.74
6/1/2019 - 194,990.98
6/30/2019 - 208,303.52
7/31/2019 - 211,145.36
9/1/2019 - 206,812.25
9/30/2019 - 213,264.14

10/31/2019 - 220,750.62

junga

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Re: Race from 100 to 250k
« Reply #2730 on: October 31, 2019, 04:43:37 PM »
January 1, 2018         : $97,318
February 2, 2018        : $104,695
March 1,2018             : $107,006
March 30, 2018          : $115,189
May 1, 2018               : $116,178
June 1, 2018              : $119,529
July 2, 2018               : $117,366
July 31, 2018             : $120,235
Aug 31, 2018             : $126,710
Sept 30, 2018            : $135,258
Dec 1, 2018               : $133,314
Dec 30, 2018             : $128,407
Jan 31, 2019              : $139,828
March 1, 2019            : $145,617
March 31, 2019          : $153,549
May 2, 2019               : $162,575
June 2, 2019              : $164,396
Jun 28, 2019              : $173,404
July 31,2019              : $183,384
Aug 31, 2019             : $186,347
Sept 30, 2019            : $196,033
Oct 31, 2019              : $202,222

Crossed the 200K mark. This feels amazing.
« Last Edit: October 31, 2019, 04:45:34 PM by junga »

35andFI

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Re: Race from 100 to 250k
« Reply #2731 on: October 31, 2019, 07:57:38 PM »
Jan-19   $88,323
Feb-19   $97,575
Mar-19   $105,804
Apr-19   $110,146
May-19   $118,816
Jun-19   $116,687
Jul-19   $127,984
Aug-19   $131,602
Sep-19   $135,237
Oct-19   $139,487
Nov-19   $144,270

philli14

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Re: Race from 100 to 250k
« Reply #2732 on: October 31, 2019, 08:03:02 PM »
1/10/18: 43,071
1/11/18: 46,223 (+3152)
1/12/18: 50,605 (+4382)
1/01/19: 57,786 (+7181)
1/02/19: 65,133 (+7347)
1/03/19: 71,695 (+6562)
1/04/19: 77,573 (+5878)
1/05/19: 86,088 (+8515)
1/06/19: 86,749 (+0661)
1/07/19: 95,468 (+8719)
1/08/19: 99,958 (+4490)
1/09/19: 103,810 (+3852)
1/10/19: 107,111 (+3301)
1/11/19: 112,338 (+5227)

Mainlander

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Re: Race from 100 to 250k
« Reply #2733 on: November 01, 2019, 03:23:47 AM »
OCTOBER 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
01/01/19: $130,778
02/01/19: $142,434
03/01/19: $147,794
04/01/19: $164,175 
05/01/19: $171,260
06/01/19: $170,858
07/01/19: $178,164 ($7,306 gain)
08/01/19: $183,917 ($5,753 gain)
09/01/19: $187,578 ($3,661 gain)
10/01/19: $193,112 ($5,533 gain)
11/01/19: $200,575 ($7,463 gain)

 Great month in October. Made substantial money last month from overtime, so all of the gains came from new contributions.

ASW

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Re: Race from 100 to 250k
« Reply #2734 on: November 01, 2019, 04:16:10 AM »
I was hoping to get to $150k by January 1st, but that's looking unlikely with the holiday season coming up.

                       2018                2019                2020                2021               
January     $38,800$88,534--
February$49,800$96,439--
March$55,707$107,387--
April$64,352$110,960--
May$68,097$117,622--
June$72,976$113,078-(Grad Goal)
July$80,555$124,700-
August$85,858$129,322-
September$90,137$133,156-
October$93,806$136,540-
November$89,537$142,714-
December$92,795--

FICurious

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Re: Race from 100 to 250k
« Reply #2735 on: November 01, 2019, 06:18:18 AM »

This will track only my investments and savings.

Apr 2011:  $49k
Jan 2013:  $80K     >>>> Out of work/stay at home Dad Aug 13 - Mar 15
Jan 2014:  $97k
Jan 2015:  $100k   >>>> Back to work, but daily 3 hour commute (Good for audio books, bad for car and home life)
Jan 2016:  $103k   >>>> Got position close to home in Jan, hated job and became trainee in current career field in Apr 16
Jan 2017:  $108k
Jan 2018:  $127k

Jan 2019:  $133k
Feb 2019:  $145k
Mar 2019:  $147k
Apr 2019:  $151K 
May 2019: $154k  >>>> Graduated trainee program. Whoopee!
Jun 2019: $149,276
Jul 2019: $157,542
Aug 2019: $159,018
Sep 2019: $158,064
Oct 2019:  $161,255

Nov 2019: $164,825   

My numbers don't include house value, which I'm glad because my Zillow estimate just shot up 12K, for no good known reason. It's bound to come back down..and that's arbitrary volatility that I can't live with! lol. Although, I also checked Redfin and that estimate is even 10k higher than Zillow! If I added my home equity to my investments, I'd be at $251K and moving on to the next race....

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2736 on: November 01, 2019, 07:00:32 AM »
Felt like bringing in the top level history:

Oct-12: $0.00
Nov-12: $432.15
Dec-12: $1192.8
Jan-13: $1542.90
Jan-14: $7286.11
Jan-15: $16985.5
Jan-16: $26770.16
Jan-17: $58399.77
Jan-18: $95469.77
Feb-18: 111724.81
Mar-18: $112878.91
Apr-18: $117425.35
May-18: $123001.77
Jun-18: $125427.65
Jul-18: $135341.45
Aug-18: $138059.7
Sep-18: $142216.90
Oct-18: $152616
Nov-18: $145926
Dec-18: $150084
Jan-19: $142749
Feb-19: $159520
Mar-19: $168002
Apr-19: $176343
May-19: $184512
Jun-19: $181480
Jul-19: $197044
Aug-19: $204485
Sep-19: $204404

Oct-19: September is always a great month as bonus gets added to the stashe. This was a very good year but bonus wasn't as amazing as I had thought, still happy of course as it is still a variable pay that I am thankful for regardless. Rest of the year will slow down as I only have a little bit of pre-tax 401k room left and will then shift to after tax 401k fully. ESPP and HSA contributions will continue as is. All in all I'm expecting to contribute about $3.5-$4k per month so might not make graduation until February or so.

Oct-19: $225122
Nov-19: $239478

Another great month, without a significant drop I might reach $250k by years end or perhaps end of January. Super stoked to see the power of compounding and savings automation take over. It should slow down a bit now that my 401k is full and hsa is also about done.

Sent from my Pixel 2 XL using Tapatalk


Master of None

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Re: Race from 100 to 250k
« Reply #2737 on: November 01, 2019, 08:00:33 AM »
4/1/19-$102,995.86
5/1/19- $103,951.81
7/1/19- $110,074.26
8/1/19- $112,049.87
9/4/19- $111,441.64
11/1/19- $119582.07

ASW

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  • Location: USA
Re: Race from 100 to 250k
« Reply #2738 on: November 01, 2019, 08:09:19 AM »
January 1, 2018         : $97,318
February 2, 2018        : $104,695
March 1,2018             : $107,006
March 30, 2018          : $115,189
May 1, 2018               : $116,178
June 1, 2018              : $119,529
July 2, 2018               : $117,366
July 31, 2018             : $120,235
Aug 31, 2018             : $126,710
Sept 30, 2018            : $135,258
Dec 1, 2018               : $133,314
Dec 30, 2018             : $128,407
Jan 31, 2019              : $139,828
March 1, 2019            : $145,617
March 31, 2019          : $153,549
May 2, 2019               : $162,575
June 2, 2019              : $164,396
Jun 28, 2019              : $173,404
July 31,2019              : $183,384
Aug 31, 2019             : $186,347
Sept 30, 2019            : $196,033
Oct 31, 2019              : $202,222

Crossed the 200K mark. This feels amazing.

@junga That's awesome.  I am really fixated on the $200k mark...can't wait to catch up with you.  You've had a huge year - congratulations!

Epor

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  • One day at the time
Re: Race from 100 to 250k
« Reply #2739 on: November 01, 2019, 08:27:58 AM »
Jan-2014    $ 24,525.00   
Jan-2015    $ 32,090.00   
Jan-2016    $ 39,258.00   
Jan-2017    $ 59,072.00   (found MMM   3/17)
Jan-2018    $ 93,684.00
Jan-2019    $111,219.00
----------   
           Total       Saved      Market G/L
02/01/19   129805      7876        10710
03/01/19   136520      1976         4739
04/01/19   139740      1976         1244     
05/01/19   147985      1976         6269     
06/01/19   138745      2715       -11955     
07/01/19   151525      1976        10804     
08/01/19   155785      2000         2260     
09/01/19   152835      2000        -4950
10/01/19   156450      2000         1615
11/01/19   163220      2000         4770


JAYSLOL

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Re: Race from 100 to 250k
« Reply #2740 on: November 01, 2019, 09:09:42 AM »
Sept 1 - 101.6k
Oct 1 - 106.2k (+4600)
Nov 1 - 108.8k (+2600)

Updated my numbers from yesterday.  I missed $800 when I added things up a day early, so it was a better month than I thought.  Aiming to hit 115k by the end of 2019

ingrownstudentloans

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Re: Race from 100 to 250k
« Reply #2741 on: November 01, 2019, 10:44:20 AM »
I am tracking only IRA/401K/taxable accounts.
5/31/2018 $100,519.07  - not even the slightest clue on target date...I'll be here for a few years :)
6/30/2018 $105,187.34
7/31/2018 $109,052.07
8/31/2018 $116,748.06
9/31/2018 $125.833.33 (should slow down for rest of year as both 401Ks are maxed)
10/31/2018 $121,400.49 (market pain)
11/30/2018 $120,116/63
12/31/2018 $115,318.38 (more market pain and put some resources towards our new AirBnB venture - looking forward to buying stocks on sale now that 401K is back in play)
1/31/2019 $121,188.34 (next couple of months are my favorite time of year - 401K is in play, bonus and employer 401K match (3% of compensation) all hit)
2/28/2019 $136,880.76 (one twomore fun months, then back to slow(er) growth mode)
3/31/2019 $141,195.30 (one more fun month - employer 401k contribution and last month until max 401k for the year)
4/30/2019 $161,209.95 (going to try to continue speed with taxable account - we will see with a 2-week old at home how this plays out)
5/31/2019 $157,215.34 (market pain decline despite adding close to $4,000 in my after-tax account.....stay the course)
6/30/2019 $168,401.72 ($63,214.38 in one year...stay the course)
7/31/2019 $172,680.44
8/31/2019 $169,675.29
9/30/2019 $169,620.62 (recalculated due to typo in tracker)
10/31/2019 $178,498.23

FrugalByChance

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    • Net Worth Progress
Re: Race from 100 to 250k
« Reply #2742 on: November 01, 2019, 04:30:59 PM »
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
Dec 2018   € 135 400.00
Totals for 2018:
Growth   € 18.847,34   (= 16,17%)
Deposits € 27.142,12   
Returns -€  8.294,78   (= -6,81%)


Jan 2019   € 145 840.48
Feb 2019   € 151 827.59
Mar 2019   € 157 527.28   (growth:  € 5 699.69 deposits: € 1 440.00)
Apr 2019   € 164 309.47   (growth:  € 6 782.19 deposits: €   950.00)
May 2019   € 158 997.24   (growth: -€ 5 312.23 deposits: € 3 350.00)
Jun 2019   € 166 992.69   (growth:  € 7 995.45 deposits: € 3 200.00)
Jul 2019   € 173 557.53   (growth:  € 6 564.84 deposits: € 4 300.00)
Aug 2019   € 171 327.19   (growth: -€ 2 230.34 deposits: € 1 950.00)
Sep 2019   € 177 262.62   (growth:  € 5 935.43)

Oct 2019  € 180 160.74   (growth:  € 2 898.12)
« Last Edit: November 02, 2019, 05:23:54 PM by FrugalByChance »

gillhamface

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Re: Race from 100 to 250k
« Reply #2743 on: November 02, 2019, 08:24:07 AM »
1/2018  $104,847
1/2019  $103,451
2/2019  $112,868
3/2019  $115,615
4/2019  $117,248
5/2019  $123,948
6/2019  $119,983
7/2019  $129,967
8/2019  $133,483
9/2019  $159,828
10/2019 $161,950
                                    Saved        Market Gains/Other
11/2019  $169,503        $1230        $6323



junga

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Re: Race from 100 to 250k
« Reply #2744 on: November 02, 2019, 01:26:44 PM »
January 1, 2018         : $97,318
February 2, 2018        : $104,695
March 1,2018             : $107,006
March 30, 2018          : $115,189
May 1, 2018               : $116,178
June 1, 2018              : $119,529
July 2, 2018               : $117,366
July 31, 2018             : $120,235
Aug 31, 2018             : $126,710
Sept 30, 2018            : $135,258
Dec 1, 2018               : $133,314
Dec 30, 2018             : $128,407
Jan 31, 2019              : $139,828
March 1, 2019            : $145,617
March 31, 2019          : $153,549
May 2, 2019               : $162,575
June 2, 2019              : $164,396
Jun 28, 2019              : $173,404
July 31,2019              : $183,384
Aug 31, 2019             : $186,347
Sept 30, 2019            : $196,033
Oct 31, 2019              : $202,222

Crossed the 200K mark. This feels amazing.

@junga That's awesome.  I am really fixated on the $200k mark...can't wait to catch up with you.  You've had a huge year - congratulations!

@ASW thank you. You are doing awesome as well. Crossing this mark was huge for us. My DW's new job provided a big boost. Couldn't have done it by myself.  Best of luck.

dootsiez

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Re: Race from 100 to 250k
« Reply #2745 on: November 02, 2019, 07:49:29 PM »
Newish here, hi all! Did my networth for the first time in a long time and realised that I'm almost at 200K! The values include superannuation (the Australian retirement account, which I contribute to personally because I'm self-employed), but do not include equity in my primary residence, which is mortgaged with 20%+ equity.

1/11/2019 - $198,410.93

Hope to hit $200K in the next two months but depends on my fledgling business's cashflow.

jojoguy

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Re: Race from 100 to 250k
« Reply #2746 on: November 03, 2019, 06:17:54 AM »
These are investments only between me and my wife`s 401ks, Traditional IRAs(maxed), taxable brokerage, immediate emergency in checking account($3,000), and Money Market account for emergency funds(currently sitting at about 6 months of our budget):

April 13, 2019 = $100,325.68
May 19, 2019 = $104,598.06
June 29, 2019 = $116,258.11
July 28, 2019 = $125,262.57
August 24, 2019 = $125,496.17
September 8, 2019 = $135,203.65
September 21, 2019 = $141,995.43
October 6, 2019 = $144,609.88
October 19, 2019 = $148,424.92
November 3, 2019 = $153,424.19

We hit a milestone by breaking through $150,000!

Breakdown on our holdings:
My 401K = $65,325.07
Wife`s 401K = $51,043.63
My TIRA =  $6,414.24
Wife`s TIRA =  $6,435.25
Joint taxable account holdings = $20,940(This includes a Money Market Account for emergency funds that covers 6 months. Short term is reached. Our long term target is a year and a half to 2 years over time. We`re moving into CDs pretty soon.)
Immediate emergency funds in our bank = $3,000

ItsALongStory

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Re: Race from 100 to 250k
« Reply #2747 on: November 03, 2019, 07:52:22 AM »
Nice job @jojoguy . You have completed what is likely the slowest third of the thread.

Sent from my Pixel 2 XL using Tapatalk


Accrual

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Re: Race from 100 to 250k
« Reply #2748 on: November 04, 2019, 07:55:35 AM »
Cool thread.

6/1/2018 - $102k
6/1/2019 - $167k
10/1/2019 - $189k
11/1/2019 - $190k

Huskerfan

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Re: Race from 100 to 250k
« Reply #2749 on: November 04, 2019, 09:17:03 PM »
Iím jumping in this thread with a few ideas and thoughts in mind. I donít plan to add house equity or extras like that. Iím not even going to add the spouseís 401k. Iíll be solely tracking
My 401k and my Roth IRA Numbers to go toward the goal of $250k. I may add the savings account numbers later, but most of that pays toward the last of my mortgage and a basement remodel right now.

My stats:

Jul2019 ó $101953
Aug2019 ó $106277
Sep2019 ó $111050
Oct2019 ó $114791
Nov2019 ó $120215

[/quote]

Numbers updated thru the last day of the month
[/quote]
« Last Edit: December 17, 2019, 08:36:56 PM by Huskerfan »