Author Topic: Race from 250 to 500k!  (Read 951094 times)

Vashy

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Re: Race from 250 to 500k!
« Reply #1950 on: November 28, 2019, 08:06:22 AM »
end-2018:  £287,177
Mar-2019: £313,570
Apr-2019: £322,726
May-2019: £330,583
Jun-2019: £339,992
Jul-2019: £349,062
Aug-2019: £354,036
Sep-2019: £362,238
Oct-2019: £370,985
Nov-2019: £377,097 (mostly market gains in my work pension, but already reached my y/e goal. It would be great to post a 100k increase year on year but I need a very strong Santa Claus rally for that!)


Neustache

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Re: Race from 250 to 500k!
« Reply #1951 on: November 28, 2019, 09:11:43 AM »
Hello!  I just graduated the 100K to 250K thread, now I'm here!

11/28/19 $252,000 (investments only, paid off house but not included in NW)

SeattleStache

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Re: Race from 250 to 500k!
« Reply #1952 on: November 28, 2019, 10:44:51 AM »
First number is retirement savings, second is total NW including cash emergency savings and real estate equity.

September 2019: $261,238 (total NW $387,863)
October 2019: $260,934 (total NW $381,797)
November 2019: $280,569 (total NW $405,660)

bigote2032

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Re: Race from 250 to 500k!
« Reply #1953 on: November 28, 2019, 05:01:15 PM »
11/30/2017    $228,503.37
12/31/2017    $237,592.34
1/31/2018    $254,582.33
2/28/2018    $257,732.67
3/31/2018    $265,481.54
4/30/2018    $269,342.61
5/31/2018    $277,950.05
6/30/2018    $285,254.10
7/31/2018    $299,199.64
8/31/2018    $319,335.25
9/30/2018    $347,418.14
10/31/2018    $332,242.01
11/30/2018    $348,536.76
12/31/2018    $325,602.90
1/31/2019    $350,696.67
2/28/2019    $369,513.27
3/31/2019    $379,192.30
4/30/2019    $399,481.40
5/31/2019    $384,294.80
6/30/2019    $408,707.83
7/31/2019    $426,022.76
8/31/2019    $422,250.44
9/30/2019    $460,845.28
10/31/2019    $476,501.03
11/30/2019    $500,079.13


I made it folks!!!!! Can't believe it.  It was great tracking this with all of you.  I look forward to see you all in the race to 1M thread.  I wish you the best of luck.  Happy Thanksgiving everyone!

dogboyslim

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Re: Race from 250 to 500k!
« Reply #1954 on: November 29, 2019, 07:56:49 AM »
Taxable Investments only

Our Emergency savings cash stash got a little too big, so we transferred some of it to investments.  Strong returns on the month also helped.  This felt like a good month for progress! 

                       2017                2018                2019                2020                2021               
January$59,598$130,690$172,016--
February$94,135$130,112$210,931--
March$96,711$170,547$220,649--
April$100,313$175,470$231,153--
May$104,001$181,127$230,149--
June$107,339$183,621$244,641--
July$111,240$190,156$252,651--
August$113,472$162,706$257,825-Target Graduation
September$117,719$165,350$264,537--
October$119,898$160,600$273,062--
November$121,666$165,845$294,017--
December$125,576$160,236---

Edited for Month End correction to balance.
« Last Edit: December 02, 2019, 05:47:58 AM by dogboyslim »

JLee

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Re: Race from 250 to 500k!
« Reply #1955 on: November 29, 2019, 11:37:37 AM »
2017
Code: [Select]
Date             Assets           Debts          Net Worth
Oct 2017 $370,483.90 -$120,007.15 $250,476.80
Dec 2017 $382,100.79 -$121,838.12 $260,262.67

2018
Code: [Select]
Date             Assets           Debts          Net Worth
Jan 2018 $390,088.91 -$119,841.70 $270,247.21
Feb 2018 $393,016.96 -$118,184.89 $274,832.08
Mar 2018 $388,528.30 -$117,901.07 $270,627.23
Apr 2018 $396,987.40 -$118,619.04 $278,368.36
May 2018 $399,896.79 -$125,537.47 $274,359.32
Jun 2018 $393,835.05 -$119,226.10 $274,608.95
Jul 2018 $405,587.66 -$124.894.90 $280,692.80
Aug 15th 2018 $289,351.24 $0.00 $289,351.24
Aug 2018 $296,066.75 -$1,507.49 $294,559.30
Sep 2018 $297,258.10 -$2,513.24 $294,744.86
Oct 2018 $270,846.50 -$2,179.98 $268,666.52
Nov 2018 $283,924.79 -$3,588.97 $280,335.80
Dec 2018 $263,008.28 -$2,510.11 $260,498.17

2019
Code: [Select]
Date             Assets           Debts          Net Worth
Jan 2019 $286,398.03 -$3,720.22 $282,677.81
Feb 2019 $303,524.32 -$65.88 $303,458.40
Mar 2019 $303,218.72 $0.00 $303,218.72
Apr 2019 $319,854.21 -$2,685.70 $317,168.50
May 2019 $307,507.31 -$2,240.87 $305,266.40
Jun 2019 $731,745.00 -$426,815.80 $304,929.20
Jul 2019 $736,673.88 -$431,083.30 $305,590.60
Aug 2019 $735,255.93 -$429,153.68 $306,102.25
Sep 2019 $736,594.53 -$431,388.57 $305,205.96
Oct 2019 $753,717.95 -$431,346.90 $322,371.05
Nov 2019 $778,884.35 -$426,308.33 $352,576.02

Sold a car! Unfortunately I need an ~$11k boiler for my house now :(

Dogastrophe

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Re: Race from 250 to 500k!
« Reply #1956 on: November 29, 2019, 02:43:31 PM »
Investments only; household combined. 
 
07/31/19 - $330,406
08/31/19 - $437,870 (large windfall + quarterly rrsp invest)
09/30/19 - $443,081
10/31/19 - $452,295
11/30/19 - $483,711 (missed our quarterly rrsp invest, will happen week of Dec 1 Got the quarterly into the account just not invested yet)
« Last Edit: November 30, 2019, 06:13:02 AM by Dogastrophe »

dreadmoose

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Re: Race from 250 to 500k!
« Reply #1957 on: November 29, 2019, 03:20:39 PM »
   Date (2019)       Liquid NW            Gain
   Jan 1       $212,860           (+8,101)
   Feb 1       $230,743           (+17,883)
   Mar 1       $244,321           (+13,578)
   Apr 1       $252,750           (+8,429)
   May 1       $263,658           (+10,908)
   June 1       $252,691           (-10,967)
   July 1       $287,493           (+34,802)
   Aug 1       $299,427 (+11,934)
   Sept 1           $313,257 (+13,830)
   Oct 1           $321,358 (+8,101)
   Nov 1           $336,180 (+14,822)
   Dec 1           $351,986 (+15,806)

Market gains! My savings are automated for this year and will go way up next year with my new position, onward!

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

hudsoncat

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Re: Race from 250 to 500k!
« Reply #1958 on: November 29, 2019, 05:40:32 PM »
6/30/18:   $253,884
7/31/18:   $264,666
8/31/18:   $276,905
9/29/18:   $285,986
10/31/18: $267,359
11/30/18: $281,461
12/31/18: $261,809
1/31/19:   $286,584
2/28/19:   $303,681
3/31/19:   $314,939
4/30/19:   $331,080
5/31/19:   $320,926
6/30/19:   $342,700
7/31/19:   $354,784
8/31/19:   $351,842
9/30/19:   $360,853
10/31/19: $374,706
11/29/19: $391,293

Getting close to $400,000...

tjrssibelle

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Re: Race from 250 to 500k!
« Reply #1959 on: November 29, 2019, 06:12:56 PM »
Dec 2016: $129.04k
Dec 2017: $196.66k
Dec 2018: $227.08k
Jan 2019: $255.83k
Feb 2019: $263.40k
Mar 2019: $275.82k
Apr 2019: $286.26k
May 2019: $277.52k
Jun 2019: $295.84k
July 2019: $302.29k
Aug 2019: $300.88k
Sep 2019: $309.76k
Oct 2019: $319.40k
Nov 2019: $329.54k

« Last Edit: November 29, 2019, 06:32:19 PM by tjrssibelle »

achvfi

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Re: Race from 250 to 500k!
« Reply #1960 on: November 29, 2019, 07:06:54 PM »
Mar-18   $249550-INV  $381297 - NW ---> fell below 250K, what a rollercoaster this year has been!
Aug-18 $291293 - INV $ 376293 - NW ---> Writing off 51k, we are building a house.
Sep-18 $292395 - INV $377395 - NW---> Lots of unexpected expenses this month. My job is also not on firm ground. Bad new manager situation. Starting new job search.Anyone have job for me :)
Oct-18  $271500 - INV $357200 - NW ---> Yay volatility
Nov-18 $279200 - INV $365200 - NW ---> Big spending month, over $10000 unexpected spending on Medical expenses, travel reservations, hotels, electronics, shopping deals and gifts. Also got new job, lateral move.
Dec-18 $257500 - INV $344000 - NW ---> Hope this market remains low or flat for next couple of months so I can plough more money in. Happy new year you all! It is interesting that the assets like primary home provide so much stability in rough times. If we have a paid off home or enough cash to pay it off safely invested it provides much safety in difficult times.
Jan-19 $290132 - INV $373300 - NW ---> Big bounce back. But I wish it came after Feb. Its likely there will be more opportunities due to various uncertainties in current short term.
Feb-19 $317800 - INV $406000 - NW ---> Big payday of the year helped cross 300k easily.
Mar-19 $323000 - INV $411500 - NW ---> Not much to say this month. we went on 2nd vacation of the year already and so associated expenses affected the growth.
Apr-19 $337600 - INV $426600 - NW  ---> Expensive month, we paid for family member's medical expenses. Tragic situation at young age. Makes a strong case for big emergency fund.
May-19 $326000 - INV $416000 - NW ---> Yay! Volatility. I was able to add few hundred $s more than usual to investments. @Epor Usually about $6000 a month in addition to savings currently, rest gains or losses in market. It motivates me to compare with high savers, that way I tend to push a little harder or keep consistent. Its a race alright!
Jun-19 $348000 - INV $439000 - NW ---> DW's pregnant with our second baby :), That means now I have to plan for big expenses.. Minivan, Medical expense and more. I am trying convince DW that we can put off buying minivan for another 2 years. Wish me luck!
Jul-19 $355000 - INV $546000 - NW ---> Construction on real estate we were building completed, so added its value back into Net worth.
Aug-19 $349000 - INV ---> Medical expenses and vacation made us go back wards. Market didn't help, but I am happy its flat or down.
Sep-19 $362000 - INV ---> Slow and steady. We are half way through our pregnancy, Just about 4 more months to go!! Its so hard to resist various temptations to spend. minivan, finish basement, build a sunroom. Desires are endless.
Oct-19 $362000 - INV ---> No change, nada.  Spent over $15000 on paying off taxes, credit cards, couple of mortgage payments ahead, medical, travel for next year, daycare for rest of the year. Looks like my journey with you wonderful folks will be longer than I expected. Whew! no end in sight as I see us moving towards big purchases soon, that MINIVAN.
Nov-19 $350000 - INV ---> Our backwards slide continues, with a new loan for car. I project about 18 months more to get to the goal.

UnleashHell

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Re: Race from 250 to 500k!
« Reply #1961 on: November 30, 2019, 03:26:51 AM »

Nov-17 - 300k
May-18  - 375k
July -18 - 400k
aug-18 - 410k
Dec-18 - 345K
Mar-19 - 415K
Apr-19 - NW 440K  - liquid 512k (long story)
may-19 nw 405K  - liquid - 478K
Jun-19 nw 444K - liquid -514K
Jul-19 nw 452K liquid  522K
Aug-19 nw 435k liquid 505K
Sep-19 nw 450K liquid 527K
Oct-19 nw 459K  Liquid 537K
nov-19 nw 475k liquid 559k

NextTime

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Re: Race from 250 to 500k!
« Reply #1962 on: November 30, 2019, 09:21:16 AM »
Investments only.

01/31/18           $198,264.59
02/28/18           $204,079.63
03/31/18           $204,079.63
04/30/18           $206,310.31
05/31/18           $207,731.13
06/30/18           $209,452.69
07/31/18           $218,450.07
08/31/18           $224,242.78
09/30/18           $227,036.87
10/31/18           $214,106.68
11/30/18           $219,948.36
12/31/18           $206,666.96
01/31/19           $224,401.47
02/28/19           $231,997.45
03/31/19           $236,710.41
04/30/19           $246,138.25
05/31/19           $245,062.03
06/30/19           $256,868.43
07/31/19           $256,075.53
08/31/19           $266,197.04
09/30/19           $274,186.82
10/31/19           $284,426.52
11/30/19           $295,004.21
« Last Edit: November 30, 2019, 09:28:36 AM by dcozad999 »

dandypandys

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Re: Race from 250 to 500k!
« Reply #1963 on: November 30, 2019, 10:59:51 AM »
2017
Jan 1st: 252k
Dec 4th 322.5k   

2018
Jan 1st:316.5k bought a car and a new stove.. spendy month but 64.5k up for the year! :)
Dec 1st:370k/270k

2019
Jan 1st: $357.5 (marking the first year of maxing out retirement accounts!) UP: 41k for 2018 (markets took a hit)
Feb 1st $378.5 ooh hope I didn't make a mistake calculating, a big jump! taxes will add 4k next month
March 1st $396.5k oh my getting closer, how exciting! Plus I sold art and should be getting a 12k check from my gallery this month! :)
April 1st $418.5
May 1st $430
June 1st $418 a big car fix - not sure why it went down so much, maybe I made an updating mistake last month
July 1st $439.5 won an award of excellence at work:) plus market gains and the normal contributions :) will put award straight into our Vanguard yay
Aug 1st $444
Sept 1st $452.5  two big art sales this month
Oct 1st $456 hmm- seems low
Nov 1st $484 2 big art sales this month :) also reached max on retirement fund
Dec 1st $498.5   almost!

monarda

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Re: Race from 250 to 500k!
« Reply #1964 on: November 30, 2019, 11:48:20 AM »

If I look at cash and securities only (not counting rental equity or primary residence equity) I belong on this thread

1/2016  $137K
1/2017  $154K
9/2017  $244K  (cash out refinance of primary residence)
3/2018   $208K  includes 0% credit card debt.
6/2018  $213K    ditto but without 0% CC balance and including pension balance, $328K.
12/2018   $250K   ditto but without 0% CC balance and including pension balance, $353K

conservative projections:
12/2020  $400K
 6/2022   $500K


12/2019  $328K  but without 0% CC balance and including pension balance, $425K

SpareChange

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Re: Race from 250 to 500k!
« Reply #1965 on: November 30, 2019, 12:11:36 PM »
Congrats to all the new grads!!

$377,368. Up $7,307 m/m, and $94,829 y/y. Nice to have help from the market as I transition to PT at work. Dec and Jan are going to be trickier. Just dropped $3000 on a headstone for my dad, and am going to make the ole apartment a bit more livable. 

ItsALongStory

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Re: Race from 250 to 500k!
« Reply #1966 on: November 30, 2019, 01:01:02 PM »

If I look at cash and securities only (not counting rental equity or primary residence equity) I belong on this thread

1/2016  $137K
1/2017  $154K
9/2017  $244K  (cash out refinance of primary residence)
3/2018   $208K  includes 0% credit card debt.
6/2018  $213K    ditto but without 0% CC balance and including pension balance, $328K.
12/2018   $250K   ditto but without 0% CC balance and including pension balance, $353K

conservative projections:
12/2020  $400K
 6/2022   $500K


12/2019  $328K  but without 0% CC balance and including pension balance, $425K
How are you playing the 0% cc game? Is it saving you some interest cost at least? Seems like a big headache

Sent from my Pixel 2 XL using Tapatalk


ItsALongStory

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Re: Race from 250 to 500k!
« Reply #1967 on: November 30, 2019, 02:06:14 PM »

Aug-19: $204485 invested + $250k equity = $454k

Sep-19: $204404 invested + $250k equity = $454k so ultimately a flat month.

Should see a decent bump in equity come Sept though, bonus will go towards our 2nd mortgage.

There is a chance we are moving continents soon and would rent the house out at that point so opted not to invest bonus into debt paydown and keep it invested/more liquid.

Oct-19: $225122 invested + $250k equity = $475k

Nov-19: $239478 invested plus $225k equity is about $465k.

Decided to reduce my equity a bit since realtor fees would be higher than I had anticipated. Home value has been flat for 6 months now. Any move abroad won't happen until at the earliest next summer.

Target graduation date is tough to say but perhaps around end of March 2020 since it's mostly going to be dependent on investments rather than equity.

$249k invested + $225k equity ~ $475k. Great month overall! Can't wait for Jan 1st when the 401k matching kicks in again.

Jaayse

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Re: Race from 250 to 500k!
« Reply #1968 on: November 30, 2019, 06:39:55 PM »
Investments only, solo journey (so far)


                       2017                2018                2019                2020                2021               
January-$232,213$356,542--
February-$245,447$383,348--
March-$242,789$394,563--
April$164,900$246,140$403,461--
May-$318,398$421,194--
June-$328,870$409,591--
July$180,808$342,159$435,981--
August$189,280$354,936$443,135--
September$193,727$366,727$441,101--
October$209,968$374,465$452,232--
November$220,602$361,296$466,688--
December$225,918$370,140$482,944--


Much better looking format, thank you to dogboyslim for the space saving table you used!  I think I might graduate in the next 2-4 months if there are no big market upsets, only around 17k left to graduation!

monarda

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Re: Race from 250 to 500k!
« Reply #1969 on: November 30, 2019, 06:55:11 PM »

If I look at cash and securities only (not counting rental equity or primary residence equity) I belong on this thread

1/2016  $137K
1/2017  $154K
9/2017  $244K  (cash out refinance of primary residence)
3/2018   $208K  includes 0% credit card debt.
6/2018  $213K    ditto but without 0% CC balance and including pension balance, $328K.
12/2018   $250K   ditto but without 0% CC balance and including pension balance, $353K

conservative projections:
12/2020  $400K
 6/2022   $500K


12/2019  $328K  but without 0% CC balance and including pension balance, $425K
How are you playing the 0% cc game? Is it saving you some interest cost at least? Seems like a big headache

Sent from my Pixel 2 XL using Tapatalk

Yes, it's saving us a lot of interest.

We put an addition on our house and paid for contractors and materials with 0% cards along the way. At max, we had over 60K at 0%.  It's just two years since the start now, so these cards promo rates are expiring in the next couple of months. The last few (~15K) that we can't pay off will go to a 1% card from a local bank (no transfer fee) for 2020, then we should be able to be all paid off. We have a 1.99% promo rate on our HELOC, but the 1% card beats that and should cover what we need to pay everything off. We still have a little under $7K left from the proceeds of the rental sale, it may as well earn interest for a couple of  months as long as the 0% cards are still 0%. As long as we still get offers for 0%, we take them and use them for our daily spending.

All the 0% we ever did are from new purchases, not balance transfers (unless there was no transfer fee).

We pay the minimum each month for all.  We have 21 cards that have been in the rotation at one point or another. I have a pretty simple spreadsheet to keep track of it all.
« Last Edit: November 30, 2019, 07:02:13 PM by monarda »

ItsALongStory

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Re: Race from 250 to 500k!
« Reply #1970 on: November 30, 2019, 08:15:07 PM »
Awesome, thanks for the detail.

Sent from my Pixel 2 XL using Tapatalk


Morning Glory

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Re: Race from 250 to 500k!
« Reply #1971 on: December 01, 2019, 03:49:19 AM »

2017
Jan 1: 236,254
Feb 1: 250,055
Mar 1: 262,196
Apr 1: 269,959
May 1: 282,665
Jun 1: 284,827
Jul 1: 292,037
Aug 1: 293,168
Sep 1: 297,489
Oct 1: 303,111
Nov 1: 309,583
Dec 1: 316,618

2018
Jan 1: 322,183
Feb 1: 332,735
Mar 1: 328,393
April 1: 327,048
May 1: 332,943
June 1: 339,934
July 1: 341,553
Aug 1: 351,978
Sep 1: 356,877
Oct 1: 360,074
Nov 1:346,354
Dec 1: 354,221

2019
Jan 1: 339,623
Feb 1: 358,056
Mar 1: 368,263
April 1: 386,406
May 1: 395,806
Jun 1: 382,758
July 1: 399,023
Aug 1: 404,132
Sep 1: 404,378
Oct 1: 411,212
Nov 1: 421,398

Dec 1: 434,363

Erma

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Re: Race from 250 to 500k!
« Reply #1972 on: December 01, 2019, 04:45:25 AM »
May 2017: CHF 231'000
June 2017: CHF 235'000

As I paid CHF 2'700 in taxes and the mortgage (CHF 1'380) for the last three months was due I'm satisfied.

July 2017: CHF 243'000 (that was a good month)
August 2017: CHF 247000
September 2017: CHF 256000

I can start the next race.

We are now at CHF 380000.

BiggerFishToFI

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Re: Race from 250 to 500k!
« Reply #1973 on: December 01, 2019, 12:18:09 PM »
Month   Investments   Networth   
04/30/17   $67,858   $125,786   <---- Discovered MMM / LBYM
09/30/17   $100,416   $168,105   <---- 100k Invested
01/31/19   $251,061   $311,711   <---- 250k Invested
02/28/19   $265,980   $328,866   
03/31/19   $283,322   $346,316   
04/30/19   $303,551   $367,527   
05/31/19   $303,986   $364,917   
06/30/19   $329,675   $388,175   
07/31/19   $346,447   $406,628   
08/31/19   $348,793   $411,689   
09/30/19   $358,623   $424,118   
10/31/19   $380,193   $417,791   
11/30/19   $394,260   $441,217   
 

dogboyslim

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Re: Race from 250 to 500k!
« Reply #1974 on: December 02, 2019, 05:55:30 AM »
Much better looking format, thank you to dogboyslim for the space saving table you used!

Giving credit where it is due, I got this format from @ASW in the 100-250k thread.  I do like it a lot, helps clean things up.

Rodgers12

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Re: Race from 250 to 500k!
« Reply #1975 on: December 02, 2019, 07:26:34 AM »
10/31/2019: $245,588
11/30/2019: $258,296

Graduated from the 250k thread!

SpareChange

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Re: Race from 250 to 500k!
« Reply #1976 on: December 02, 2019, 08:58:29 AM »
10/31/2019: $245,588
11/30/2019: $258,296

Graduated from the 250k thread!

Congrats and welcome!!

DarkandStormy

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Re: Race from 250 to 500k!
« Reply #1977 on: December 02, 2019, 09:05:55 AM »
NW // Inv Assets

3/1/19 - $268,584 // $154,100
4/1/19 - $281,161 // $160,561
5/1/19 - $287,799 // $169,570
6/1/19 - $299,560 // $163,398
7/1/19 - $309,640 // $178,229
8/1/19 - $317,066 // $185,846
9/1/19 - $321,205 // $186,588
10/1/19 - $327,232 // $191,328
11/1/19 - $335,150 // $197,615

12/1/19 - $340,787 // $208,029

Hawaii, mostly on points, was still a nice chunk of change.  But kept all my regular investments and the market had an outstanding month.

Cornel_Westside

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Re: Race from 250 to 500k!
« Reply #1978 on: December 02, 2019, 10:45:01 AM »
03/2017 - $130,500
04/2017 - $133,780 (Savings Ratio 48.2%)
07/2017 - $147,452 (Savings Ratio 39.1%)
10/2017 - $162,673 (Savings Ratio 54.9%)
01/2018 - $193,174 (Savings Ratio 63.3%)
02/2018 - $207,459 (Savings Ratio 67.7%)
05/2018 - $202,142 (Savings Ratio 27.54%)
02/2019 - $215,000 (Savings Ratio 63.0%)
04/2019 - $221,150 (Savings Ratio 9%)
07/2019 - $238,090 (Savings Ratio 31.75%)
12/2019 - $260,452 (Savings Ratio Unknown, likely around 30%)

Finally into this thread. Could probably have been here in the middle of 2019 but lots of life changes cost me a lot of money. But I think I'm safely into this race. If I can keep life predictable (unlikely) then I could see graduating this thread in mid 2022.

ASW

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Re: Race from 250 to 500k!
« Reply #1979 on: December 02, 2019, 11:11:55 AM »
Much better looking format, thank you to dogboyslim for the space saving table you used!

Giving credit where it is due, I got this format from @ASW in the 100-250k thread.  I do like it a lot, helps clean things up.

Nice, glad you like it!

coffeefueled

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Re: Race from 250 to 500k!
« Reply #1980 on: December 02, 2019, 01:01:44 PM »
Investments only
May: $251,222
June: $380,473 <-- combined accounts with DH
July: $423,417
Aug: $436, 413
Sep: $428,402
Oct: $434,691
Nov: $453,570
Dec: $470,545

Getting so close. Got a raise so contributions should go up next year, but not until after tax time. We're setting aside a huge chunk since we have no idea how big our first married filing jointly penalty will be.

fuzzy math

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Re: Race from 250 to 500k!
« Reply #1981 on: December 02, 2019, 04:43:25 PM »
Investments only

Jun 2018  $219,320
Jul 2018   $228,483
Aug 2018  $234,711
Sep 2018  $245,993
Oct 2018  $251,023
Nov 2018  $238,881
Dec 2018  $244,687 

Jan 2019  $226,942 
Feb 2019  $249,796
Mar 2019  $270,351
Apr 2019  $285,770
May 2019  $295,838
Jun 2019  $283,393
Jul 2019   $307,071
Aug 2019  $315,942
Sep 2019  $318,301
Oct 2019  $334,301
Nov 2019  $352,430
Dec 2019  $370,715

Unbelievable

solon

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Re: Race from 250 to 500k!
« Reply #1982 on: December 05, 2019, 05:42:06 AM »

 1-2017  $88,615
 1-2018 $132,155
 1-2019 $177,349
 2-2019 $188,332
 3-2019 $187,634
 4-2019 $197,461
 5-2019 $194,010
 6-2019 $186,414
 7-2019 $196,934
 8-2019 $267,535
 9-2019 $268,153
10-2019 $271,542
11-2019 $283,636
12-2019 $287,248

ItsALongStory

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Re: Race from 250 to 500k!
« Reply #1983 on: December 05, 2019, 09:23:07 PM »
Officially $250318 today so I'm in here with my investments and total net worth (475k)! Cool!

Sent from my Pixel 2 XL using Tapatalk

achvfi

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Re: Race from 250 to 500k!
« Reply #1984 on: December 06, 2019, 09:38:53 AM »
Officially $250318 today so I'm in here with my investments and total net worth (475k)! Cool!

Sent from my Pixel 2 XL using Tapatalk

Congrats @ItsALongStory! Depending on the perspective either you are joining this cohort or graduating it. Welcome :)

ItsALongStory

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Re: Race from 250 to 500k!
« Reply #1985 on: December 06, 2019, 09:29:05 PM »
I will stick around here because it's really mostly about invested amounts for me.

Sent from my Pixel 2 XL using Tapatalk


Toad

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Re: Race from 250 to 500k!
« Reply #1986 on: December 07, 2019, 05:44:20 PM »
Summary of accounts:

   Date      Bank Accounts      Taxable Investments      IRAs and 401k      TOTAL      CHANGE   
   September 1, 2019      $34,060.56      $107,178.92      $100,816.28      $242,055.76      -1.70%   
   October 1, 2019      $41,940.06      $111,460.07      $102,729.37      $256,129.50      +5.81%   
   November 1, 2019      $42,198.89      $119,326.23      $106,347.53      $267,872.65      +4.58%   
   December 1, 2019      $48,713.45      $122,014.49      $109,478.12      $280,206.06      +4.60%   

Another very good month.  Hopefully I can hold at $280k+ to end off 2019.

Hawaii, mostly on points, was still a nice chunk of change.

Which island and when?  I just got back from a trip (honeymoon technically I guess) to Hawaii myself.  All points except for food/activities there (~$1k).  I was fortunate to get in on a Rakuten error posting of 15% back at giftcards.com (+$750 from that one) so that essentially wiped out the majority of my spend in Hawaii.  We were in Maui over Thanksgiving basically.

C-man23

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Re: Race from 250 to 500k!
« Reply #1987 on: December 08, 2019, 04:43:59 AM »
Just signing in thanks to a nice work relocation check.
The march towards a half M has begun.

September 2017: $222,303
October 2017: $277,896

Two year (and a month) update
October 2019: $472,588
November 2019: $486,112

Hoping to cross over into the $500k+ club this month and graduate from this thread :)

Mustachio Bashio

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Re: Race from 250 to 500k!
« Reply #1988 on: December 08, 2019, 10:41:58 PM »
It's been a while since I've posted, so playing catchup.

2/17 - 167,752
3/17 - 177,448
4/17 - 183,917
5/17 - 189,025
6/17 - 195,189
7/17 - 202,048
8/17 - 211,263
9/17 - 215,880
10/17 - 222,924
11/17 - 230,962
12/17 - 238,389
1/18 - 247,829
2/18 - 263,000
3/18 - 254,401
5/18 - 267,000
6/18 - 273,062
7/18 - 278,308
8/18 - 287,779
9/18 - 298,772
10/18 - 307,200
11/18 - 295,490 (yup, why I took a break from checking the numbers)
12/18 - 298,003
1/19 - 284,697 (ouch)
2/19 - 314,314
3/19 - 331,474
4/19 - 344,390
5/19 - 357,302
6/19 - 351,017
7/19 - 372,466
8/19 - 373,986
9/19 - 377,991
10/19 - 384,914
11/19 - 403,766
12/19 - 415,269
« Last Edit: December 08, 2019, 10:44:40 PM by Mustachio Bashio »

gmdv

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Re: Race from 250 to 500k!
« Reply #1989 on: December 12, 2019, 11:57:57 AM »
August 2017 - $295k
September 2017 - $310k
October 2017 - $314k
November 2017 - $319k
December 2017 - $328k
January 2018 - $336k
February 2018 - $331k
March 2018 - $341k
April 2018 - $345k
May 2018 - $353k
June 2018 - $376k
July 2018 - $379k
August 2018 - $379k
September 2018 - $377k
October 2018 - $369k
November 2018 - $382k
1/5/2019 - $374k
2/3/19 - $378k
3/7/19 - $380k
4/4/19 - $381k
5/6/19 - $378k
6/11/19 - $382k
7/8/19 - $384k
8/5/19 - $387k
9/5/19 - $376k
10/1/19 - $386k
11/4/19 - $396k

12/12/19 - $402k


Woodro85

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Re: Race from 250 to 500k!
« Reply #1990 on: December 12, 2019, 12:30:17 PM »
1/1/2019   $417,324.32
2/1/2019   $424,732.09
3/1/2019   $431,780.98
4/1/2019   $442,293.06
5/1/2019   $449,638.91
6/1/2019   $437,156.52
7/1/2019   $444,733.12
8/1/2019   $453,785.05
9/1/2019   $464,489.99
10/1/2019   $469,849.31
11/1/2019   $479,049.55
12/1/2019   $498,129.57

Looks like I'll be graduating from here next month *knocks on wood* but January tuition payment will probably keep me here for a couple more months. It's really weird but due to an accident, insurance paid me out a lot more than my old car was worth in November. Was able to get into a used EV for a great price, and hopefully reduced future costs by going EV. Extrapolating one month of energy, electric will cost me about $250/year vs $1,500 in gas in my old vehicle.

JLee

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Re: Race from 250 to 500k!
« Reply #1991 on: December 12, 2019, 02:48:44 PM »
1/1/2019   $417,324.32
2/1/2019   $424,732.09
3/1/2019   $431,780.98
4/1/2019   $442,293.06
5/1/2019   $449,638.91
6/1/2019   $437,156.52
7/1/2019   $444,733.12
8/1/2019   $453,785.05
9/1/2019   $464,489.99
10/1/2019   $469,849.31
11/1/2019   $479,049.55
12/1/2019   $498,129.57

Looks like I'll be graduating from here next month *knocks on wood* but January tuition payment will probably keep me here for a couple more months. It's really weird but due to an accident, insurance paid me out a lot more than my old car was worth in November. Was able to get into a used EV for a great price, and hopefully reduced future costs by going EV. Extrapolating one month of energy, electric will cost me about $250/year vs $1,500 in gas in my old vehicle.

Congrats! I sold my Corvette last month and just put a deposit down on an EV today too -- hoping to have dramatically reduced transportation costs in my future.

fireseeker

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Re: Race from 250 to 500k!
« Reply #1992 on: December 14, 2019, 06:49:21 PM »
Hi! I'm new here. My husband and I (married in 2004) started reading about the FIRE movement around four years ago, but we only recently turned into frugal badasses. We made some major life changes this year to help us cross the $500K threshold.

Year     Liquid Assets    Net Worth    Note   
2004    -$7K                same           started marriage with $17K in student loans from undergrad
2005    $11K                same
2006    $33K                same
2007    $62K                same
2008    $58K                same           recession!! Also bought used car with $10K in cash
2009    $102K              same           paid off student loans!!!
2010    $146K              same
2011    $187K              same
2012    $205K              $266K          bought our first home for $176.5K; put down $50K
2013    $186K              $362K          paid off our mortgage. If I had a time machine I'd do things differently.
2014    $227K              $420K             
2015    $242K              $431K          adopted our daughter; minor surgery for her
2016    $244K              $473K          adopted our son; major surgery for him
2017    $393K              $622K          minor surgery for our son
2018    $437K              $742K          major surgery for our son
2019    $729K              $891K          major downsize/lifestyle change; major emergency surgery for our son

The last four years of parenthood and medical issues shifted our priorities and helped us realize how precious and fragile life is and how much we value our time together. We shifted things into high gear this year by downsizing from our 2200sf 3bed/2bath home far out in the burbs to a 1350sf 2bed/2bath townhome literally out a metro stop. We downsized from 2 cars to 1 car, and we walk or take the train as much as possible. My husband took advantage of his company's benefits including a 30% gross salary deferral, with 50% of the remainder contributed to his 401K. Over the course of the year we have made many other cuts. I have been a full time SAHM mom, but I am hoping to return to work teaching college statistics next year. At this rate, we hope to catch FIRE in two more years.

pamplemusique

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Re: Race from 250 to 500k!
« Reply #1993 on: December 20, 2019, 01:03:49 PM »
2018    $437K              $742K          major surgery for our son
2019    $729K              $891K          major downsize/lifestyle change

Congrats, fireseeker, on shifting your priorities and taking big steps forward to FIRE!

I just joined the forum and am jumping into this race. $466k liquid NW on Mint at the moment - 158k in a HYSA and the rest in investments (about 50/50 taxable/tax advantaged). Iím finally adding to my vanguard funds again after feeling too nervous about P/E ratios and the inverted yield curve to put more into the market for a while there (at least I didnít take any out!), but reading on here has me feeling better that even if thereís a huge correction, as long as I just leave it in VTSAX and VTIAX the market will pick up again eventually. I know the cash cushion is high but at 1.8% APR at least it stays basically flat to inflation and itís deep enough to keep me from getting scared and pulling the rest out of the market.

Good luck, fellow racers!

kpd905

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Re: Race from 250 to 500k!
« Reply #1994 on: December 22, 2019, 08:04:59 AM »
Joining this thread to try to hit 500k by the end of 2020.  We hit 300k in early 2019 and just cracked 400k this month, pretty crazy what the market can do.

Milestones so far:

Hit zero net worth (counting student loans): August 2014
Paid off student loans: November 2015
Hit 100k in investments: March 2016
Hit 200k in investments: August 2017
Hit 300k in investments: January 2019
Hit 400k in investments: December 2019

Just for fun, I track how many days it takes for each 100k, and how much that is in $/day.

0-100k: 1055 days, $94/day
100-200k: 560 days, $178/day
200-300k: 555 days, $180/day
300-400k: 329 days, $304/day

I don't count home equity because I don't really want to try to estimate every month what our home value would be, but I'm guessing we have around 100k, minus fees that we'd pay for selling.  We plan to stay here for the school district, so wouldn't be selling for about 20 years anyway. 

If I can keep credit card and bank bonuses going strong (>$10,000 this year) then I may start a taxable account in 2020.  We'll see.
« Last Edit: December 22, 2019, 08:09:51 AM by kpd905 »

dandypandys

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Re: Race from 250 to 500k!
« Reply #1995 on: December 23, 2019, 07:26:01 PM »

2017
Jan 1st: 252k
Dec 4th 322.5k   

2018
Jan 1st:316.5k bought a car and a new stove.. spendy month but 64.5k up for the year! :)
Dec 1st:370k/270k

2019
Jan 1st: $357.5 (marking the first year of maxing out retirement accounts!) UP: 41k for 2018 (markets took a hit)
Feb 1st $378.5 ooh hope I didn't make a mistake calculating, a big jump! taxes will add 4k next month
March 1st $396.5k oh my getting closer, how exciting! Plus I sold art and should be getting a 12k check from my gallery this month! :)
April 1st $418.5
May 1st $430
June 1st $418 a big car fix - not sure why it went down so much, maybe I made an updating mistake last month
July 1st $439.5 won an award of excellence at work:) plus market gains and the normal contributions :) will put award straight into our Vanguard yay
Aug 1st $444
Sept 1st $452.5  two big art sales this month
Oct 1st $456 hmm- seems low
Nov 1st $484 2 big art sales this month :) also reached max on retirement fund
Dec 1st $498.5   almost!
Dec 23 $514 We did it! 

If things stay the same come Jan 1st the Dandy Pandys will be toodling off :) :) :)
WOW can't believe we did it so soon!
If we did this in 3 years, how long do you think it will take to get to the next goal of 1m? Anyone got a guess for us? Salary etc will stay much the same,  I don't even try to work it out usually- in case of disappointment.
Opposite of disappointed now though!!

Apples

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Re: Race from 250 to 500k!
« Reply #1996 on: December 24, 2019, 06:48:13 AM »
May 1 2018:  $250,453.08
June 1 2018:  $256,005.82
July 1 2018:  $259,624.40
August 1 2018:  $268,077.64 
September 1 2018:  $275,103.83
October 1 2018:  $279,499.81
November 1 2018:   $273,503.01
December 1 2018:  $278,858.64
Jan 1 2019:  $272,446.08   
Feb 1 2019:  $289,664.17
March 1 2019:  $299,054.26
April 1 2019:  $305,610.01

May 1 2019:  $315,936.05
June 1 2019:  $311,464.06
July 1 2019:  $320,434.22
August 1 2019:  $331,407.52
September 1 2019:  $335,874.66
October 1 2019:  $340,976.88
November 1 2019:  $348,058.86
December 1 2019:  $361,978.66

I got a big raise this year, to use towards buying part of the farm.  That's the main reason behind our sudden upswing in NW this year.  Next year will significantly slow down as we start paying $20,000 a year in interest payments.

ItsALongStory

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Re: Race from 250 to 500k!
« Reply #1997 on: December 24, 2019, 10:27:29 AM »
If things stay the same come Jan 1st the Dandy Pandys will be toodling off :) :) :)
WOW can't believe we did it so soon!
If we did this in 3 years, how long do you think it will take to get to the next goal of 1m? Anyone got a guess for us? Salary etc will stay much the same,  I don't even try to work it out usually- in case of disappointment.
Opposite of disappointed now though!!

I have read before that reaching 333k takes about half the time as 0 to $1M so perhaps that could be an indication. There are so many questions being asked about the returns of the next decade but i am still using slightly lowered projections vs historical averages simply because the latest 10 years were so great.

How long did it take to reach 333k?

dandypandys

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Re: Race from 250 to 500k!
« Reply #1998 on: December 24, 2019, 01:28:15 PM »
If things stay the same come Jan 1st the Dandy Pandys will be toodling off :) :) :)
WOW can't believe we did it so soon!
If we did this in 3 years, how long do you think it will take to get to the next goal of 1m? Anyone got a guess for us? Salary etc will stay much the same,  I don't even try to work it out usually- in case of disappointment.
Opposite of disappointed now though!!

I have read before that reaching 333k takes about half the time as 0 to $1M so perhaps that could be an indication. There are so many questions being asked about the returns of the next decade but i am still using slightly lowered projections vs historical averages simply because the latest 10 years were so great.

How long did it take to reach 333k?
Ah I wish it was that easy to figure out- but we only ramped up when we became Mustachians, so the first 333 took a lonnng time.

lollylegs

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Re: Race from 250 to 500k!
« Reply #1999 on: December 25, 2019, 12:44:47 PM »
Jan 2018 -  $330,883
July 2018 - $372,389
-----------------------
Jan 2019 -  $376,421
July 2019 - $449,818
Aug 2019 - $461,802
Sept 2019 -$471,690
Nov 2019 - $486,235
Dec 2019 - $498,006

oh, we are SO close!!