Race from 250 to 500k!

[JLee]

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
Dec 2019 $781,597.49 -$426,057.09 $355,540.40
2020

Code: [Select]

Date             Assets           Debts          Net Worth
Jan 2020 $787,211.64 -$425,357.09 $361,854.55
Feb 2020 $755,990.43 -$417,635.17 $338,355.26
Mar 2020 $756,805.46 -$464,555.13 $292,250.33

[The Tester]

Forgot to add February's total.  With how this last month went, I might have to drop back to the previous thread.

November 2019	-	$266,069
December 2019	-	$277,275
January 2020	-	$281,256
February 2020	-	$268,507
March 2020	-	$244,811

[dogboyslim]

Investments only.

The market drop hurt more this month.  I was under $250 at the worst of it and still lost money after adding $10,600.  I'm pretty certain that my graduation target will have to move, but I won't reassess that until I start moving in the correct direction again.  Coded Feb. and March green for the pandemic per @dreadmoose.  Good idea to call it out.

	2017	2018	2019	2020	2021
January	$59,598	$130,690	$172,016	$276,751	-
February	$94,135	$130,112	$210,931	$288,444	-
March	$96,711	$170,547	$220,649	$274,230	-
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	$269,709	-	-

[BiggerFishToFI]

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   
12/31/19   $413,479   $495,002   
01/31/20   $431,646   $502,333   
02/29/20   $419,487   $491,881   
03/31/20   $372,621   $438,618   

Best of luck everyone to maintaining our health and our jobs

[gmdv]

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
1/10/20 - $403k
2/2/20 - $405k
3/4/20 - $411k

4/3/20 - $420k

[Woodro85]

02/01/2020 $500,122.00!!!!!!!!!!!!!!

I graduated!! I'm not introducing myself to the next group yet though, we'll see if it holds.

02/01/2020 $500,122.00
03/01/2020 $497,515

Knew I wasn't ready to leave you folks. Markets this week slowing down the progress. This has been the first time I've ever sold bonds to re-balance though. Overpaid income taxes this year and expecting a few thousand bucks return to re-graduate me again, probably by next month. Good luck to you all during this bit of stock market turmoil and let's cross our fingers jobs don't start getting affected.

I'm going to stick around with you folks longer. Busy as can be, but glad I work in an essential service and am still working. Should be saving lots of money working from home and still collecting pay cheques. That variable rate mortgage is going to save me big bucks too! Debating whether to put more money towards the mortgage and pay it off sooner, put it into the stock market, or increase cash in case this economic situation continues to worsen. What's everyone else doing?

02/01/2020 $500,122.00
03/01/2020 $497,515
04/01/2020 $489,899

[ItsALongStory]

That variable rate mortgage is going to save me big bucks too! Debating whether to put more money towards the mortgage and pay it off sooner, put it into the stock market, or increase cash in case this economic situation continues to worsen. What's everyone else doing?

Why not lock in a fixed rate now that rate are so low again?

[Mazzinator]

Investments only! (I do have a good bit of low rate, long term debt which makes my NW lower) numbers are end of month.

Sept 17- $257k
Oct 17- $264
Nov 17- $270
Dec 17- $276
Jan 18- $280
Feb 18- $279
Mar 18- $287
April 18- $294
May 18- ?
June 18- $304
July 18- $316
Aug 18- $334
Sept 18- $340
Oct 18- $320
Nov 18- $311
Dec 18- $316
Jan 19- $320
Feb 19- $334
Mar 19- $342
April 19- $357
May 19- $338
June 19- $365
July 19- $379
Aug 19- ?
Sept 19- ?
Oct 19- ?
Nov 19- ?
Dec 19- $422
Feb 20- $390

Mar 20- $322

[Toad]

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%
January 1, 2020	$52,388.86	$125,197.91	$114,378.91	$291,915.68	+4.18%
February 1, 2020	$53,457.64	$125,344.96	$112,834.00	$291,636.60	-0.10%
April 1, 2020	$27,623.26	$111,748.88	$120,109.25	$259,481.39	-11.03%

Missed March tracking since I was in the middle of moving (spending lots of money).  Then the market tanked.  Fortunately I started my new job prior to that, so I should be ok as far as job security and all.  Assessing the damage done, it actually doesn't look that bad for me, especially considering moving expenses which were north of $5k and the month break I took between my jobs (no income during spendy period).  Only a small net worth setback to October of last year (so far).

[lollylegs]

well I'm back to this thread, hopefully not for too long.
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
------------------
Jan 2020 - $501,901
Feb 2020 - $518,123
Mar 2020 - $446,241

We're just continuing with our usual contributions pre-tax and have increased our after tax investments. It will be interesting to see how long it takes to recover.

[nick663]

June 2017:  198.7k
July 2017:  207.5k
August 2017:  211.8k
September 2017:  222.1k
October 2017: *missing*
November 2017:  234.7k
December 2017:  242.4k

March 2018:  263.3k
June 2018:  290.4k
September 2018:  313.7k
December 2018:  296.8k
March 2019:  346.3k
June 2019:  372.4k
September 2019: 390.4k
December 2019:  428.6k

March 2020:  371.1k

Back to June 2019 status.  Not as bad as I was expecting to be honest.

[Stimpy]

Date	FIRE	Medi	Total NW	% Increase	Notes
6/1/2017			$115,738	-
12/31/2018	$177,341.32	$46,719.18	$224,060.50	~2.07%
1/31/2019	$200,473.39	$56,820.70	$257,294.09	~14.83%
2/28/2019	$194.787.12	$58986.57	$253.773.69	~-1.37%
3/31/2019	$198,888.47	$60,358.25	$259,246.72	~2.16%
12/31/2019	$258,407.93	$82,188.34	$340,596.27	~10.57%	Percentage off due to account access issues last month
1/31/2020	$257,367.80	$83,131.94	$340,499.74	~-.03%
2/29/2020	$242,699.30	$80,901.14	$323,600.44	~-4.96%

Numbers based on Mint.  Does not include a few minor accounts with less then $1000 total.


3/31/2020 Fire:$222,186.14  + Medi:$72,334.33    = $294,520.47 ~-8.99% 

Welp, down she goes....  little late, but had other things on my mind, duties, etc.   The stock market, not a worry.  But Ouchies!     Not worried, I do like fire sales after all! 

[fuzzy math]

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

Jan 2020  $401,716
Feb 2020  $414,430
Mar 2020  $412,631
Apr 2020  $393,815

[nkt0]

Paid my chunk to the virus. I estimate this will add 1-3 years to my FIRE date.

Investments/Net Worth
Q3 2018: $175k/$291k
Q4 2018: $162k/$280k
Q1 2019: $185k/$313k
Q2 2019: $199k/$331k
Q3 2019: $210k/$344k
Q4 2019: $283k/$448k
Q1 2020: $244k/$404k

[trc4897]

Forgot to join in December. March hurt a bit - market losses plus kitchen DIY remodel started (knocked down a wall, more cabinets, new floor, new patio door). April looks a bit better, but just had to take a 10% pay cut (company wide).

Jan-19   $137,280
Feb-19   $146,582
Mar-19   $150,267
Apr-19   $176,495
May-19   $185,139
Jun-19   $187,672
Jul-19   $189,881
Aug-19   $197,857
Sep-19   $199,332
Oct-19   $206,540
Nov-19   $229,780
Dec-19   $274,581
Jan-20   $293,698
Feb-20   $302,360
Mar-20   $266,971

Target Graduation Date: Sept 2021

[oneday]

Joining!

Don't have real good historical records, but as of April 2018 I was over $250K in cash/investments after the sale of my condo.  So I'll just start there.

Apr 18: 263K
May 18: 268K
Jun 18: 270K
Jul 18: 276K
Aug 18: 284K
Sep 18: 287K
Oct 18: 273K
Nov 18: 280K
Dec 18: 268K
Jan 19: 283K
Feb 19: 291K
Mar 19: 294K
Apr 19: 304K
May 19: 293K
Jun 19: 309K
Jul 19: 314K
Aug 19: 313K
Sep 19: 329K
Oct 19: 325K
Nov 19: 335K
Dec 19: 343K
Jan 19: 354K
Feb 19: 342K
Mar 19: 304K

Wow, took quite the haircut in Feb/Mar, but still over 300K, that's nice.

Next month I'll figure out the fancy tables some of you are using and make it look nicer.

[McStache]

I just started getting permission denied on the spreadsheet - anyone else?

https://docs.google.com/spreadsheets/d/1AU7U1LTOW0D-_TiWUZJ7OSolSB_ULYQC2ZWSNW5hig0/edit#gid=0

I don't remember previously needing to request permission

[ItsALongStory]

Yep same for me, @McStache

I think the owner of the sheet has to recreate it, hope there is a recent backup.

[SeattleStache]

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)
December 2019: $292,062 (total NW $423, 991)
January 2020: $299,351 (total NW $430,390)
February 2020: $281,810 (total NW $412,616) ouch!
March 2020: $249,818 (total NW $390,340) double ouch!
April 2020: $273,408 (total NW $426,464)

Looks like I get to stay for now. Got a significant tax refund this month due to some losses claimed against some property I own which I turned around and invested. Hope everyone is doing as well as can be during these times.

[oneday]

Will update for April in a few days, but had some time to convert the data to the table format.  Updated. Thanks @dogboyslim for the format.

Note: I'm not working ATM and not sure when I'll be going back, so no projected graduation currently.

	2018	2019	2020	2021	2022
January	-	$283K	$354K	-	-
February	-	$291K	$342K	-	-
March	-	$294K	$304K	-	-
April	$263K	$304K	$328K	-	-
May	$268K	$293K	-	-	-
June	$270K	$309K	-	-	-
July	$276K	$314K	-	-	-
August	$284K	$313K	-	-	-
September	$287K	$329K	-	-	-
October	$276K	$325K	-	-	-
November	$280K	$335K	-	-	-
December	$268K	$343K	-	-	-

[Dogastrophe]

Decided to change my format this month and figured out how to use the table feature.  Will update my April at end of day.


Investments only; Household combined.

	2019 ($)	2020 ($)	2021 ($)	2022 ($)
January	-	496,255	-	-
February	-	472,573	-	-
March	-	444,067	-	-
April	-	495,051	-	-
May	-	-	-	-
June	-	-	-	-
July	330,406	-	-	-
August	437,870	-	-	-
September	443,081	-	-	-
October	452,295	-	-	-
November	483,711	-	-	-
December	484,963	-	-	-

[hudsoncat]

	2016	2017	2018	2019	2020	2021
January	-	$134,179	$222,019	$261,809	$403,264	-
February	-	$140,623	$236,831	$286,584	$414,417	-
March	-	$148,087	$234,104	$303,681	$388,201	-
April	-	$153,745	$234,452	$314,939	$355,475	-
May	-	$161,518	$241,470	$331,080	$398,672	-
June	-	$167,077	$249,398	$320,926	-	-
July	-	$171,538	$253,884	$342,700	-	-
August	-	$179,124	$264,666	$354,784	-	-
September	-	$180,682	$276,905	$351,842	-	-
October	-	$192,217	$285,986	$360,853	-	-
November	$121,639	$199,128	$267,359	$374,706	-	-
December	$128,335	$207,436	$281,461	$391,293	-	-

Nice bump back up this month. Still fully employed, working from home. I am hearing a lot of rumblings about furloughs. I would not be surprised if my position is effected over the summer. We'll be fine expenses-wide, but it will certainly hurt the amount we dump into investment accounts.

[trc4897]

Update for end of April. Nice rebound due to market gains!

	2019	2020	2021
January	$137,280	$293,698	-
February	$146,582	$302,360	-
March	$150,267	$266,971	-
April	$176,495	$300,121	-
May	$185,139	-	-
June	$187,672	-	-
July	$189,881	-	-
August	$197,857	-	-
September	$199,332	-	-
October	$206,540	-	Estimated Graduation
November	$229,780	-	-
December	$274,581	-	-

[Imustacheyouaquestion]

Bouncing back up with market rally. I expect more volatility on the horizon, but sticking to my plan of continuing to dump money into the market in the meantime.

	2018	2019	2020
January	-	$255,892.49	$424,020.62
February	-	$284,061.44	$430,723.62
March	-	$302,124.69	$409,926.04
April	-	$311,269.23	$376,066.87
May	-	$326,333.60	$436,765.80
June	-	$324,533.94	-
July	$250,737.17	$346,414.84	-
August	$258,326.17	$353,235.46	-
September	$271,396.46	$357,483.82	-
October	$276,447.64	$382,001.08	Graduation?
November	$258,733.03	$394,916.44	-
December	$272,495.64	$408,747.03	-

https://docs.google.com/spreadsheets/d/1AU7U1LTOW0D-_TiWUZJ7OSolSB_ULYQC2ZWSNW5hig0/edit#gid=0

[UnleashHell]

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
dec-19 nw  490k liquid 575k  annual increase to nw - 145k
Jan-20 nw  483 liquid 563
feb-20 nw 440 liquid 520
mar-20 nw 374 liquid 455
apr-20 nw 435 liquid 513

[achvfi]

Dec-19 $391000 - INV ---> Very pleased with $162000 increase in investments and cash this year. Thank you downturn in 2018. Lets keep this up people.
                                        Happy new year, new decade!
Feb-20 $377000 - INV ---> I was looking forward to market opportunity and here it is. Welcome back Volatility! I am buying.
Mar-20 $320000 - INV ---> I have been buying. Hoping this sale continues for a while. Maxed out IRAs and investing in taxable now. Trying to refinance
                                        mortgage to free up some cash-flow. For anyone in this race this is the time to double down.
Apr-20 $374000 - INV ---> Refinanced our 15 yr fixed mortgage to 30 yr fixed and a significant pay increase kicked into effect as well. These monthly
                                        cash flow improvements and reduced expenses will boost monthly additions to investments by $1600.

[dreadmoose]

	2016	2017	2018	2019	2020	2021
January	-	-$25,189	$116,236	$230,742	$402,238	-
February	-	-$24,977	$122,183	$244,321	$389,937	<-PANDEMIC
March	MMM->	-$21,759	$122,763	$252,749	$359,271	-
April	-	-$15,838	$129,950	$263,657	$441,401	-
May	-	$7,447	$149,174	$252,690	-	-
June	-	$16,623	$154,992	$287,639	-	-
July	-$19,048	$27,638	$167,846	$299,427	-	-
August	-$18,739	$39,025	$180,481	$313,257	Graduation?	-
September	-$21,536	$49,626	$185,098	$321,358	-	-
October	-$25,832	$59,438	$194,857	$336,179	-	-
November	-$25,621	$71,949	$205,772	$351,985	-	-
December	-$25,405	$110,473	$212,859	$385,426	-	-

Up $82,130 which includes contributions of $28,522. Trying to keep in mind that volatility will be pretty crazy for the whole extent of this pandemic so not to trust my counted chickens too much.

Job has been stable so far, though we froze hiring and raises this year so who knows what could come this summer.

_{Only tracking personal liquid stash and do not include my wife's savings or any Real Estate equity at this point}

[Steeze]

I was in - then I was out - now I am in again! 254.4k - just $500 short of my NW high water mark. Its good to be back, but how long will it last?

[ItsALongStory]

Invested: $270922 (+~7k)
Total net worth: $495000

Ended month on a down day but that's just a blip on the chart soon.

Pleased to have stayed in this thread with $260287 liquid. I had already decided to start maximizing my 401k early so that came in handy. excited to see what will happen when the market starts recovering.

Well, dropped below the lower end of this thread for now: $238521 liquid and about $450k total net worth following a drop in home value as well.

Just gotta keep plugging along.

Back up to about $275k liquid, so firmly back in the thread. Will update with more detail tomorrow.

More specifics: HSA $14912 + 401k/Roth/Taxable $259271 = $274183

Home equity dropped a bit, so would put total NW around $490k

[Morning Glory]

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

2019
Jan 1: 447,716
Feb 1: 451,064
Mar. 1: 427,409
Apr 1: 391,361

May 1: 428,733
Back where I was in March at least, and better than last November

[DarkandStormy]

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
1/1/20 - $352,472 // $223,044
2/1/20 - $362,809 // $229,548
3/1/20 - $356,377 // $216,835
4/1/20 - $330,416 // $192,356

5/1/20 - $362,077 // $220,959

[ingrownstudentloans]

Joining - I reevaluated how/what I was tracking for purposes of these races and have decided to include equity in our investment properties. 

(IRA/401K/taxable accounts/conservative equity in rental properties):

2/1/2020 $333,916.40
3/1/2020 $386,416.81 (put cash into new rental property)
4/1/2020 $386,032.10

5/1/2020 $404,443.66

[Stimpy]

Date	FIRE	Medi	Total NW	% Increase	Notes
6/1/2017			$115,738	-
12/31/2018	$177,341.32	$46,719.18	$224,060.50	~2.07%
1/31/2019	$200,473.39	$56,820.70	$257,294.09	~14.83%
2/28/2019	$194.787.12	$58986.57	$253.773.69	~-1.37%
3/31/2019	$198,888.47	$60,358.25	$259,246.72	~2.16%
12/31/2019	$258,407.93	$82,188.34	$340,596.27	~10.57%	Percentage off due to account access issues last month
1/31/2020	$257,367.80	$83,131.94	$340,499.74	~-.03%
2/29/2020	$242,699.30	$80,901.14	$323,600.44	~-4.96%
3/31/2020	$222,186.14	$72,334.33	$294,520.47	~-8.99%

Numbers based on Mint.  Does not include a few minor accounts with less then $1000 total.


4/30/2020 Fire:$$235,782.52  + Medi:$82,664.90    =$318,447.42  ~8.12% 


Not a perfect run, but it's aiming back up... I expect the market to go down again before this is all over, BUT not gonna worry.  Just keep at it, and steady as she goes.
Granted this went up with a spending of 3 times what I earn in a month so....  Woot taxes and other unavoidable spending all being due in one month....  (Yes federal taxes got extended but I'd rather be done with it then sit on it another 3 months)  Think I need a drink of that boxed wine!

[JLee]

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
Dec 2019 $781,597.49 -$426,057.09 $355,540.40
2020

Code: [Select]

Date             Assets           Debts          Net Worth
Jan 2020 $787,211.64 -$425,357.09 $361,854.55
Feb 2020 $755,990.43 -$417,635.17 $338,355.26
Mar 2020 $756,805.46 -$464,555.13 $292,250.33
Apr 2020 $808,288.92 -$461,043.60 $347,245.32
What a weird year.

[SpareChange]

Up $25,428 to $395,799. Good to see everyone back up this month. What a ride.

[tarheeldan]

I just started getting permission denied on the spreadsheet - anyone else?

https://docs.google.com/spreadsheets/d/1AU7U1LTOW0D-_TiWUZJ7OSolSB_ULYQC2ZWSNW5hig0/edit#gid=0

I don't remember previously needing to request permission

That's weird, I didn't change any permissions and I didn't get any notifications that people had requested access. Hopefully the Google Glitch is fixed now?

https://docs.google.com/spreadsheets/d/1AU7U1LTOW0D-_TiWUZJ7OSolSB_ULYQC2ZWSNW5hig0/edit?usp=sharing

Look like it must be, I see some data in the 2020.05 column :)

[Nick_Miller]

Sept. 2018   $252,544.08
Nov.  2018   $248,197.15
Dec.  2018   $256,394.61
Jan.  2019   $252,481.67
Feb.  2019   $287,793.45
Mar.  2019   $304,683.46
April  2019  $311,927.67
May 2019    $320,971.09
June 2019   $315,026.35
July 2019    $326,646.84
Aug 2019    $333,750.35
Sept 2019   $331,716.00
Oct 2019     $338,088.89
Nov 2019    $348,140.01
Dec 2019    $356,233.57
Jan 2020    $364,075.39
Feb 2020    $374,691.07
Mar. 2020   $373,208.41
April 2020  $347,174.09
May 2020 $379,369.40

The Millers somehow hit our peak NW this month, between the stimulus money and getting refunds on canceled travel plans. I still expect a rough up-and-down year.

[tjrssibelle]

Investments only:

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
Dec 2019: $339.51k

Jan 2020: $347.23k
Feb 2020: $330.32k
Mar 2020: $293.63k
Apr 2020: $323.58k

[Jaayse]

Investments only, solo journey (so far)

	2017	2018	2019	2020	2021
January	-	$232,213	$356,542	$500,087	-
February	-	$245,447	$383,348	$502,244	-
March	-	$242,789	$394,563	$475,671	-
April	$164,900	$246,140	$403,461	$429,092	-
May	-	$318,398	$421,194	$474,155	-
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	-	-

I'm surprised by the market recovery, I feel like this is a false recovery due to people's optimism about the economy opening up again.  I think the second wave of coronavirus will see the market crashing again.  I guess we will just have to wait and see.

[ItsALongStory]

I'm surprised by the market recovery, I feel like this is a false recovery due to people's optimism about the economy opening up again.  I think the second wave of coronavirus will see the market crashing again.  I guess we will just have to wait and see.

that woudlnt' surprise me either, i hope i'm still buying at that time

[fuzzy math]

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

Jan 2020  $401,716
Feb 2020  $414,430
Mar 2020  $412,631
Apr 2020  $393,815
May 2020  $414,524

[NextTime]

Investments only

First of	2018	2019	2020
January	-	$206,667	$304,693
February	$198,265	$224,401	$305,287
March	$204,080	$231,997	$290,554
April	$204,080	$236,710	$274,909
May	$206,310	$246,138	$298,297
June	$207,731	$245,062	-
July	$209,453	$256,868	-
August	$218,450	$256,076	-
September	$224,243	$266,197	-
October	$227,037	$274,186	-
November	$214,107	$284,427	-
December	$219,948	$295.004	-

[Mazzinator]

Investments only! (I do have a good bit of low rate, long term debt which makes my NW lower) numbers are end of month.

Sept 17- $257k
Oct 17- $264
Nov 17- $270
Dec 17- $276
Jan 18- $280
Feb 18- $279
Mar 18- $287
April 18- $294
May 18- ?
June 18- $304
July 18- $316
Aug 18- $334
Sept 18- $340
Oct 18- $320
Nov 18- $311
Dec 18- $316
Jan 19- $320
Feb 19- $334
Mar 19- $342
April 19- $357
May 19- $338
June 19- $365
July 19- $379
Aug 19- ?
Sept 19- ?
Oct 19- ?
Nov 19- ?
Dec 19- $422
Feb 20- $390
Mar 20- $322

April 20- $376

[The Tester]

What a rollercoaster of a few months, but I'm pretty much back to where I was.

November 2019	-	$266,069
December 2019	-	$277,275
January 2020	-	$281,256
February 2020	-	$268,507
March 2020	-	$244,811
April 2020	-	$275,495

[dogboyslim]

Investments only.

I'd like to think the market has turned around, but I still expect another drop before we are back to "normal."  I pushed my target graduation out 4 months.  :(

	2017	2018	2019	2020	2021
January	$59,598	$130,690	$172,016	$276,751	-
February	$94,135	$130,112	$210,931	$288,444	-
March	$96,711	$170,547	$220,649	$274,230	-
April	$100,313	$175,470	$231,153	$298,302	-
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	-	-
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	$269,709	-	Target Graduation

[/quote]

[gmdv]

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
1/10/20 - $403k
2/2/20 - $405k
3/4/20 - $411k
4/3/20 - $420k

5/4/20 - $426k

Went back to all cash mid April.

[dreadmoose]

5/4/20 - $426k
Went back to all cash mid April.

Back to all cash? How often and what do you use to trigger that?

I assume you know the stats on market timing vs a steady IPS that you can follow, I just wonder what makes someone decide to take huge swings against all common advice.

[solon]

 1-2017  $88,615
 1-2018 $132,155
 1-2019 $177,349
 1-2020 $282,110
 2-2020 $290,845
 3-2020 $288,022
 4-2020 $257,224   <- almost got sent down to the minors
 5-2020 $276,627

[gmdv]

5/4/20 - $426k
Went back to all cash mid April.

Back to all cash? How often and what do you use to trigger that?

I assume you know the stats on market timing vs a steady IPS that you can follow, I just wonder what makes someone decide to take huge swings against all common advice.

Once every decade or so,  when it's obvious there's something very,  very wrong with the economy and market.   

Of course in the current environment of unlimited QE, zero and potential negative interest,  FED directly buying corporate bonds and may directly buy stocks in the future, going back to cash is a gamble.  Still testing the water to see if it's safe to get back in and seeing market climbed while multiple businesses getting downgraded was enough for me to get back out.

[Woodro85]

10/1/2019   $469,849.31
11/1/2019   $479,049.55
12/1/2019   $498,129.57
1/1/2020   $488,713.11
2/1/2020   $500,122.69 Graduate!
3/1/2020   $497,515.82
4/1/2020   $489,899.65
5/1/2020   $513,921.29 Graduate x2!

Alright, I graduated again. Hoping I can say goodbye for good now but definitely still a chance I stick around. If I stay over the $500,000 mark, I'll post in the next group next month. So goodbye folks, see you in the race to $1,000,000!