Race from 250 to 500k!

[Em-Dog]

Investments net negative, but annual bonus month- put most of it in right away, may have a little left at month end after the normal monthly expenditures to add too.

	2018	2019	2020	2021	2022	2023	2024
January	$11,592	$19,461	$52,636	$117,964	$307,781	-	-
February	$12,414	$28,144	$48,605	$129,160	$322,118	-
March	$12,259	$23,011	$45,431	$135,298	-	-
April	$13,641	$25,628	$50,763	$183,963	-	-
May	$16,646	$24,273	$55,517	$213,448	-	-
June	$16,625	$27,726	$58,784	$247,758	-	-
July	$17,057	$31,358	$63,678	$259,587	-	-
August	$17,375	$30,624	$69,345	$274,737	-	-
September	$17,380	$41,343	$69,043	$269,876	-	Graduation Goal
October	$16,044	$43,732	$69,866	$294,685	-	-
November	$16,332	$46,935	$95,120	$294,439	-	-
December	$16,589	$51,547	$118,877	$313,367	-	-

[Mainlander]

FEBRUARY UPDATE

08/01/20: $253,789
09/01/20: $257,810
10/01/20: $256,193
11/01/20: $255,810
12/01/20: $273,815
01/01/21: $276,958
02/01/21: $286,621
03/01/21: $290,643
04/01/21: $311,128
05/01/21: $320,779
06/01/21: $328,171
07/01/21: $352,430
08/01/21: $360,851
09/01/21: $370,656
10/01/21: $364,708
11/01/21: $377,421
12/01/21: $380,530
01/01/22: $392,394
02/01/22: $394,149
03/01/22: $392,619

 Another month of excessive overtime, another down month in the market. Been enjoying buying stocks at a slight discount.

[dignam]

The below values include: retirement/brokerage accounts, cash, home equity, vehicle equity

Feb 2020 $253k    May 2021 $355k
Mar 2020 $221k    Jun 2021 $368k
Apr 2020 $239k    Jul 2021 $378k
May 2020 $244k    Sep 2021 $394k
Jun 2020 $265k    Oct 2021 $399k
Jul 2020 $269k    Nov 2021 $436k (home value adjustment)
Aug 2020 $281k    Dec 2021 $454k
Sep 2020 $281k    Jan 2022 $462k
Oct 2020 $294k    Feb 2022 $441k
Nov 2020 $290k    Mar 2022 $440k
Dec 2020 $301k
Jan 2021 $308k
Feb 2021 $319k
Mar 2021 $332k
Apr 2021 $349k

[ontheheel]

Net worth consists of equity portfolio, two rental properties, and cash (checking/savings). Liabilities are month-to-month credit card (PIF every month), two mortgages on rental properties, and what’s left of my wife’s student loans.

	2019	2020	2021	2022
January	$87,000	$153,000	$241,000	$347,000
February	$95,000	$159,000	$246,000	* $354,000 *
March	$95,000	$152,000	$255,000	-
April	$98,000	$172,000	$267,000	-
May	$95,000	$157,000	$290,000	-
June	$104,000	$187,000	$303,000	-
July	$106,000	$202,000	$325,000	-
August	$115,000	$206,000	$333,000	-
September	$118,000	$207,000	$328,000	-
October	$134,000	$215,000	$342,000	-
November	$136,000	$233,000	$346,000	-
December	$143,000	$234,000	$359,000	-
Annual gain	$56,000	$89,000	$125,000	-

Equities are way down, real estate is up, and cash is up. Somehow ended the month in the black.

[CTEC_Stache]

I'll play! I'm 31, if you include the future value of my pension I am just over 250. I made some adjustments to how I calculate my liquid NW a little under a year ago so my numbers don't look to far back but they are now more accurate and precise.

          2021              2022
JAN     N/A               $251,327
FEB     $213,392
MAR    $222,443
APR     $225,864
MAY    $231,841
JUN     $240,641
JUL     $230,023
AUG    $229,620
SEP     $233,285
OCT    $232,914
NOV    $230,646
DEC    $240,387

There were quite a few fluctuations in 2021 due to having a kid, paying down some debts, and investing some into my son's 529.

UPDATE

	2021	2022
JAN	N/A	$251,327
FEB	$213,392	$249,420
MAR	$222,443	$313,612
APR	$225,864
MAY	$231,841
JUN	$240,641
JUL	$230,023
AUG	$229,620
SEP	$233,285
OCT	$232,914
NOV	$230,646
DEC	$240,387

 

[VodkaWater]

NW/Investments

Jan: $280,013/$301,963
Feb: $278,012/$295,951

[Naomi]

investments/savings only

	2022
January	$493,222
February	$475,534
March	$466,381
April
May
June
July
August
September
October
November
December

[SeattleStache]

And I'm back! What a rough start to the year.

The first number is retirement related investments, the second is total NW including real estate, cash savings, and other investments. I'm only counting retirement related investments for this race!

December 2019: $292,062 (total NW $423,991)
December 2020: $398,408 (total NW $572,704)
December 2021: $506,167 (total NW $665,639) Graduated for now, hope it holds!
January 2022: $487,694 (total NW $652,192) Didn't hold!
February 2022: $469,440 (total NW $635,429) Dropped out of the next race before it even started....

[falsekrakk808]

04/2020  $256
05/2020  $278
06/2020  $282
07/2020  $304
08/2020  $312
09/2020  $295
10/2020  $286   
11/2020  $330   
12/2020  $360   
01/2021  $365
02/2021  $380
03/2021  $380
04/2021  $410
05/2021  $417
06/2021  $438
07/2021  $440
08/2021  $455
09/2021  $449
10/2021  $475
11/2021  $478
12/2021  $481
01/2022  $431
02/2022  $447

03/2022  $468

[kickel]

After a small hiatus, I'm back and making my way through the challenges!

6/20: $240,488
7/20: $276,744
8/20: $287,113
9/20: $283,134
10/20: $290,473
11/20: $278,794
12/20: $341,902
1/21: $365,033
 
Next stop: $500K would love to hit by EOY

Almost hit it by EOY However this sell off is really taking a dent. This will be the year I graduate to the next challenge.

2/21: $377,206
3/21: $360,108
4/21: $363,443
5/21: $360,478
6/21: $378,136
7/21: $381,418
8/21: $383,813
9/21: $375,708
10/21: $375,960
11/21: $376,068
12/21:$430,173
1/22: $402,306

2/22: $389,211
3/22: $444,242

This is from the first of the month. Major swings the past few months.

[PlanetDee]

Investments only:
5/23/21 - $413k
6/24/21 - $422k
7/23/21 - $433k
8/29/21 - $450k
9/29/21 - $439k
10/25/21 - $454k
11/29/21 - $447k
12/31/21 - $461k
1/26/22 - $429k
2/28/22 - $435k
3/30/22 - $449k

Happy to see the numbers going back up! Though I quit my job this month, so we will be one income only through the end of the year.

[lexde]

Less spending this month as bf and I settle into our new lives. He's learning to be a lot more conscious about finances, and I'm helping him set himself up for success (he's a 1099, so we are working on getting him paid under a single-member LLC, and taking advantage of as many tax breaks as we can, separating the LLC from his personal finances, etc.).

Work has simultaneously settled down and blown up, which is a really good place to be in. I carved out a fully remote position for myself and although I am doing anti-arbitrage (moved from MCOL to HCOL), I'm still thrilled about this chapter of my life. I'm hitting my stride and really happy with how things are going right now.

NW this month is $364,677.54 (+$24,852.58).

	2016	2017	2018	2019	2020	2021	2022
January	−	−$25,455.84	$5,425.45	$39,221.40	$76,790.93	$138,796.70	$324,660.15
February	−	−$22,211.80	$10,258.54	$41,947.65	$77,246.03	$141,911.87	$314,353.10
March	−	−$19,748.45	$12,154.74	$50,162.54	$76,283.98	$159,641.31	$339,824.96
April	−	−$17,692.62	$17,827.73	$52,085.36	$83,523.93	$178,681.60	$364,677.54
May	−	−$15,363.27	$21,148.77	$52,418.09	$90,891.71	$169,453.64	−
June	−	−$12,546.11	$20,530.98	$56,440.85	$96,777.80	$185,926.98	−
July	−	−$7,715.53	$24,663.52	$61,918.23	$106,276.69	$189,695.59	−
August	−	−$6,251.56	$27,622.02	$65,774.08	$111,956.75	$208,659.05	−
September	−$31,750.11	−$4,513.77	$29,931.25	$65,412.44	$115,923.95	$242,060.40	−
October	−$31,013.64	−$3,364.19	$29,468.94	$65,446.06	$113,835.48	$268,498.64	−
November	−$29,306.63	−$1,057.38	$31,897.24	$62,347.29	$121,943.18	$284,658.93	−
December	−$27,015.16	$2,474.33	$33,203.90	$68,192.96	$130,715.91	$296,922.14	−
Annual Gain	$4,734.95	$27,930.17	$27,778.45	$28,971.56	$53,924.98	$152,637.95	−

Goals Breakdown
Q1 2022: $330k (Completed: 03/01/2022)
Q2 2022: $360k (Completed: 04/01/2022)
Q3 2022: $390k
Q4 2022: $420k
Q1 2023: $450k
Q2 2023: $480k
Q3 2023: $500k


Projected Graduation date: September 2023!

Prior Progress: Race from 10 to 100k!
Prior Progress: Race from 100 to 250k!
[/quote]

[zeli2033]

Investments Only

	2018	2019	2020	2021	2022	2023
January	($28,165)	$52,928	$163,400	$239,950	$347,310	-
February	($21,735)	$61,806	$156,457	$250,940	$342,981	-
March	($16,099)	$72,482	$145,287	$261,224	$359,722	-
April	($11,771)	$99,041	$163,919	$280,829	-	-
May	($6,744)	$96,807	$178,765	$284,686	-	-
June	($1,596)	$106,071	$185,289	$293,185	-	-
July	$4,624	$112,395	$201,395	$301,660	-	-
August	$12,784	$116,527	$222,183	$312,943	-	-
September	$22,476	$124,973	$221,234	$305,520	-	-
October	$27,980	$135,196	$225,329	$325,798	-	-
November	$36,219	$143,839	$221,148	$329,221	-	-
December	$36,235	$150,705	$234,567	$357,336	-	-

Nice to to see the number going back up but who knows how long that will be the case given all the market swings. This month was big for house projects, taxes and paying insurance premiums but hopefully things will settle down heading into Q2.

[FrugalByChance]

As I'm living and getting payed in the Netherlands, all my numbers are in EUR.
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   (growth=diff with prev. month deposits=money added) 
Jan 2016  €  58 971.00
Jan 2017  €  86 368.00
Jan 2018  € 119 817.00
Jan 2019  € 145 840.48
...
Dec 2019  € 195 798.72   (growth:  € 6 723.04 deposits: € 3 600.00)  Totals for 2019: growth:  € 60 523.78 (=44.70%) Deposits: € 22 925.00 Returns: € 37 598.78 (=20.38%)
Dec 2020  € 269 374.68   (growth:  € 7 253.18 deposits: € 4 590.75)  Totals for 2020: growth:  € 73 452.27 (=37,49%) Deposits: € 52 186.18 Returns: € 21 266.09 (=8,74%)
Jan 2021  € 285 791.77   (growth:  €16 417.09 deposits: €12 000.00)
Feb 2021  € 323 281.33   (growth:  €37 489.56 deposits: €33 000.00)
Mar 2021  € 344 492.32   (growth:  €21 210.99 deposits: € 4 000.00)
Apr 2021  € 355 971.71   (growth:  €11 479.39 deposits: € 4 500.00)
May 2021  € 358 877.94   (growth:  € 2 906.23 deposits: € 3 075.00)
Jun 2021  € 381 498.25   (growth:  €22 620.31 deposits: €10 075.00)
Jul 2021  € 395 145.96   (growth:  €13 647.71 deposits: € 6 573.89)
Aug 2021  € 406 779.03   (growth:  €11 633.07 deposits: € 4 000.00)
Sep 2021  € 403 359.65   (growth: -€ 3 419.38 deposits: € 2 000.00)
Oct 2021  € 418 718.56   (growth:  €15 358.91 deposits: € 2 000.00)
Nov 2021  € 430 973.65   (growth:  €12 255.09 deposits: € 2 000.00)
Dec 2021  € 443 925.59   (growth:  €12 951.94 deposits: € 7 300.00)  Totals for 2021: growth: €174 550.91 (=64,80%) Deposits: € 90 523.89 (= 33,61%) Returns: € 84 027.02 ( = 31,19%) 
Jan 2022  € 430 075.18   (growth: -€13 850.41 deposits: € 6 000.00 )

Feb 2022  € 443 885.50   (growth:  €13 810.32 deposits: €22 000.00)
Mar 2022  € 472 861.47   (growth:  €28 975.97 deposits: €16 250.00)

[mckaylabaloney]

	2018	2019	2020	2021	2022
January	$(170,956.12)	$(80,750.78)	$(4,484.13)	$124,124.66	$298,228.37
February	$(166,849.63)	$(72,922.02)	$(4,647.56)	$125,821.73	$292,535.79
March	$(161,395.88)	$(65,244.64)	$398.59	$136,847.83	$289,783.60
April	$(156,590.44)	$(57,807.71)	$(9,003.54)	$145,677.69	$304,542.17
May	$(159,977.61)	$(52,358.05)	$8,209.01	$164,438.72	-
June	$(154,655.48)	$(52,769.97)	$19,606.73	$171,195.96	-
July	$(149,000.22)	$(39,802.87)	$26,480.37	$219,072.34	-
August	$(143,758.38)	$(35,751.08)	$40,657.65	$234.012.81	-
September	$(139,839.66)	$(45,074.66)	$52,868.32	$241,148.85	-
October	$(136,009.14)	$(54,949.47)	$53,926.77	$241,206.12	-
November	$(137,519.76)	$(53,156.01)	$61,241.09	$252,403.51	-
December	$(132,193.25)	$(52,946.03)	$78,742.07	$257,721.53	-
Annual gain	$90,205.34	$75,902.65	$128,972.79	$174,103.71

Hooray! Who knows if it will last, but it's nice to see a new number at the beginning of my NW.

[DadJokes]

	2021	2022	2023
January	$227,807	$331,810	-
February	$230,079	$320,929	-
March	$239,227	$318,105	-
April	$251,865	$332,954	-
May	$263,588	-	-
June	$273,052	-	-
July	$289,104	-	-
August	$275,118	-	-
September	$294,327	-	-
October	$289,219	-	-
November	$309,150	-	-
December	$313,932	-	Grad Goal

Back to where I started in 2022

[Em-Dog]

Solid month, staying on track and nice to see markets rebound a bit.

	2018	2019	2020	2021	2022	2023	2024
January	$11,592	$19,461	$52,636	$117,964	$307,781	-	-
February	$12,414	$28,144	$48,605	$129,160	$322,118	-
March	$12,259	$23,011	$45,431	$135,298	$352,170	-
April	$13,641	$25,628	$50,763	$183,963	-	-
May	$16,646	$24,273	$55,517	$213,448	-	-
June	$16,625	$27,726	$58,784	$247,758	-	-
July	$17,057	$31,358	$63,678	$259,587	-	-
August	$17,375	$30,624	$69,345	$274,737	-	-
September	$17,380	$41,343	$69,043	$269,876	-	Graduation Goal
October	$16,044	$43,732	$69,866	$294,685	-	-
November	$16,332	$46,935	$95,120	$294,439	-	-
December	$16,589	$51,547	$118,877	$313,367	-	-

[VodkaWater]

NW/Investments

Jan: $280,013/$301,963
Feb: $278,012/$295,951
March: $286,533/$307,886

Decent move in the right direction this month. I'll pay off the end of my student loan next month so that will be nice. 

[zygote]

For context: I'm 32 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 (1 year tracking)
8/19: $101,572.33 (graduated to the 100-250k thread)
3/20: $118,287.76 (2 years tracking)
3/21: $206,593.43 (3 years tracking)
11/21: $254,300,88 (graduated to this thread)
12/21: $258,452.24 (+$4,151.36, +1.63%)
1/22: $266,408.54 (+$7,956.30, +3.08%)
2/22: $249,470.14 (-$16,938.40, -6.36%)
3/22: $251,915.95 (+$2,445.81, +0.98%)
4/22: $258,017.81 (+$6,101.86, +2.42%)

Back to where I was in December!

[Naomi]

investments/savings only

	2022
January	$493,222
February	$475,534
March	$466,381
Apr	$660,742
May
June
July
August
September
October
November
December

We bought a house in another state (LCOL) and sold our house in an area where the real estate prices have increased dramatically. Our house sold for >$200,000 what we paid for it in late 2017. We cleared $198,000 which explains the huge increase in our investments/savings.

[GatorNation]

Just joined the club!

Jan 1, 2020- ($106,695.56)
Dec 1, 2020- $16,441.11   
Jan 1, 2021-  $26,005.07   
Feb 1, 2021-  $38,479.28
Mar 1, 2021-  $50,563.25
Apr 1, 2021- $78,703.27
May 1, 2021- $97,225.14
Jun 1, 2021- $105,467.38
Jul 1, 2021- $140,772.33
Aug 1, 2021- $156,162.34
Sep 1, 2021- $168,711.69
Oct 1, 2021- $184,767.41
Nov 1, 2021- $198,214.45
Dec 1, 2021- $203,391.38
Jan 1, 2022- $244,015.04
Feb 1, 2022- $244,284.96
March 1, 2022- $248,311.22
April 1, 2022- $317,596.99

[SeattleStache]

The first number is retirement related investments, the second is total NW including real estate, cash savings, and other investments. I'm only counting retirement related investments for this race!

December 2019: $292,062 (total NW $423,991)
December 2020: $398,408 (total NW $572,704)
December 2021: $506,167 (total NW $665,639) Graduated for now, hope it holds!
January 2022: $487,694 (total NW $652,192) Didn't hold!
February 2022: $469,440 (total NW $635,429) Dropped out of the next race before it even started....
March 2022: $492,407 (total NW $665,716)

[Roks]

Let's try this again with a better table. Wish I could FIRE yesterday! Maybe I'll do a coast/lean fire thing, maybe I'll get a windfall. Maybe the business I have not yet created will take off. No matter what, I'll stay the course.

	2018	2019	2020	2021	2022
Jan-March	$85,738	$123,622	$136,279	$283,729	$391,565
April-June	$93,359	$133,844	$180,632	$320,910
July-Sep	$112,276	$140,745	$209,539	$340,278
Oct-Dec	$103,325	$157,203	$253,216	$370,826

[Roks]

Let's try this again with a better table. Wish I could FIRE yesterday! Maybe I'll do a coast/lean fire thing, maybe I'll get a windfall. Maybe the business I have not yet created will take off. No matter what, I'll stay the course.

	2018	2019	2020	2021	2022
Jan-March	$85,738	$123,622	$136,279	$283,729	$391,565
April-June	$93,359	$133,844	$180,632	$320,910
July-Sep	$112,276	$140,745	$209,539	$340,278
Oct-Dec	$103,325	$157,203	$253,216	$370,826

The Jan-March 2022 numbers are as of April, 5th, 2022 (don't have my first quarter statements yet).

[Roks]

Let's try this again with a better table. Wish I could FIRE yesterday! Maybe I'll do a coast/lean fire thing, maybe I'll get a windfall. Maybe the business I have not yet created will take off. No matter what, I'll stay the course.

	2018	2019	2020	2021	2022	2023
Jan-March	$85,738	$123,622	$136,279	$283,729	$391,565	-
April-June	$93,359	$133,844	$180,632	$320,910	-	GRADUATE!
July-Sep	$112,276	$140,745	$209,539	$340,278	-
Oct-Dec	$103,325	$157,203	$253,216	$370,826	-

The Jan-March 2022 numbers are as of April, 5th, 2022 (don't have my first quarter statements yet).

One more time, with the projected graduation date.

[ontheheel]

Net worth consists of equity portfolio, two rental properties, and cash (checking/savings). Liabilities are month-to-month credit card (PIF every month), two mortgages on rental properties, and what’s left of my wife’s student loans.

	2019	2020	2021	2022
January	$87,000	$153,000	$241,000	$347,000
February	$95,000	$159,000	$246,000	$354,000
March	$95,000	$152,000	$255,000	** $372,000 **
April	$98,000	$172,000	$267,000	-
May	$95,000	$157,000	$290,000	-
June	$104,000	$187,000	$303,000	-
July	$106,000	$202,000	$325,000	-
August	$115,000	$206,000	$333,000	-
September	$118,000	$207,000	$328,000	-
October	$134,000	$215,000	$342,000	-
November	$136,000	$233,000	$346,000	-
December	$143,000	$234,000	$359,000	-
Annual gain	$56,000	$89,000	$125,000	-

I’m in the middle of a move from Texas to California and getting ready to deploy this fall. Life is a bit nuts at the moment.

[dignam]

The below values include: retirement/brokerage accounts, cash, home equity, vehicle equity

Feb 2020 $253k    May 2021 $355k
Mar 2020 $221k    Jun 2021 $368k
Apr 2020 $239k    Jul 2021 $378k
May 2020 $244k    Sep 2021 $394k
Jun 2020 $265k    Oct 2021 $399k
Jul 2020 $269k    Nov 2021 $436k (home value adjustment)
Aug 2020 $281k    Dec 2021 $454k
Sep 2020 $281k    Jan 2022 $462k
Oct 2020 $294k    Feb 2022 $441k
Nov 2020 $290k    Mar 2022 $440k
Dec 2020 $301k    Apr 2022 $455k
Jan 2021 $308k
Feb 2021 $319k
Mar 2021 $332k
Apr 2021 $349k


Just spent about $9k for a bunch of semi-unexpected HVAC work.

[PlanetDee]

Investments only:
5/23/21 - $413k
6/24/21 - $422k
7/23/21 - $433k
8/29/21 - $450k
9/29/21 - $439k
10/25/21 - $454k
11/29/21 - $447k
12/31/21 - $461k
1/26/22 - $429k
2/28/22 - $435k
3/30/22 - $449k
4/29/22 - $422k

back down we go!

[zygote]

For context: I'm 32 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 (1 year tracking)
8/19: $101,572.33 (graduated to the 100-250k thread)
3/20: $118,287.76 (2 years tracking)
3/21: $206,593.43 (3 years tracking)
11/21: $254,300,88 (graduated to this thread)
12/21: $258,452.24 (+$4,151.36, +1.63%)
1/22: $266,408.54 (+$7,956.30, +3.08%)
2/22: $249,470.14 (-$16,938.40, -6.36%)
3/22: $251,915.95 (+$2,445.81, +0.98%)
4/22: $258,017.81 (+$6,101.86, +2.42%)
5/22: $241,209.30 (-$16,808.51, -6.51%)

Ouch. Spending and saving was pretty normal this month, so the decrease is all from the market. It's certainly been a journey since I graduated into this thread...maybe one day I'll stay consistently above the threshold.

[mckaylabaloney]

	2018	2019	2020	2021	2022
January	$(170,956.12)	$(80,750.78)	$(4,484.13)	$124,124.66	$298,228.37
February	$(166,849.63)	$(72,922.02)	$(4,647.56)	$125,821.73	$292,535.79
March	$(161,395.88)	$(65,244.64)	$398.59	$136,847.83	$289,783.60
April	$(156,590.44)	$(57,807.71)	$(9,003.54)	$145,677.69	$304,542.17
May	$(159,977.61)	$(52,358.05)	$8,209.01	$164,438.72	$289,968.07
June	$(154,655.48)	$(52,769.97)	$19,606.73	$171,195.96	-
July	$(149,000.22)	$(39,802.87)	$26,480.37	$219,072.34	-
August	$(143,758.38)	$(35,751.08)	$40,657.65	$234.012.81	-
September	$(139,839.66)	$(45,074.66)	$52,868.32	$241,148.85	-
October	$(136,009.14)	$(54,949.47)	$53,926.77	$241,206.12	-
November	$(137,519.76)	$(53,156.01)	$61,241.09	$252,403.51	-
December	$(132,193.25)	$(52,946.03)	$78,742.07	$257,721.53	-
Annual gain	$90,205.34	$75,902.65	$128,972.79	$174,103.71

Aaaaand back down again.

[Em-Dog]

When I checked this morning, all my investment returns have been wiped out now (I've only been actively investing for a few years now), so that's a bummer.. However- my total savings is WAY higher than it would've been if I never started down this road! So even though it hurts to see it going down, I'll stay the course and ride it out because I really want to be financially free sooner rather than later!

	2018	2019	2020	2021	2022	2023	2024
January	$11,592	$19,461	$52,636	$117,964	$307,781	-	-
February	$12,414	$28,144	$48,605	$129,160	$322,118	-
March	$12,259	$23,011	$45,431	$135,298	$352,170	-
April	$13,641	$25,628	$50,763	$183,963	$329,584	-
May	$16,646	$24,273	$55,517	$213,448	-	-
June	$16,625	$27,726	$58,784	$247,758	-	-
July	$17,057	$31,358	$63,678	$259,587	-	-
August	$17,375	$30,624	$69,345	$274,737	-	-
September	$17,380	$41,343	$69,043	$269,876	-	Graduation Goal
October	$16,044	$43,732	$69,866	$294,685	-	-
November	$16,332	$46,935	$95,120	$294,439	-	-
December	$16,589	$51,547	$118,877	$313,367	-	-

[DadJokes]

	2021	2022	2023
January	$227,807	$331,810	-
February	$230,079	$320,929	-
March	$239,227	$318,105	-
April	$251,865	$332,954	-
May	$263,588	$313,927	-
June	$273,052	-	-
July	$289,104	-	-
August	$275,118	-	-
September	$294,327	-	-
October	$289,219	-	-
November	$309,150	-	-
December	$313,932	-	Grad Goal

[Lamancha]

1/2020  130,855
1/2021  258,257
1/2022  452,162

2/2022  454,250
3/2022  451,389
4/2022  465,488

5/2022  463,149

[falsekrakk808]

04/2020  $256
05/2020  $278
06/2020  $282
07/2020  $304
08/2020  $312
09/2020  $295
10/2020  $286   
11/2020  $330   
12/2020  $360   
01/2021  $365
02/2021  $380
03/2021  $380
04/2021  $410
05/2021  $417
06/2021  $438
07/2021  $440
08/2021  $455
09/2021  $449
10/2021  $475
11/2021  $478
12/2021  $481
01/2022  $431
02/2022  $447
03/2022  $468

04/2022  $471
Moving in the right direction at least.

[VodkaWater]

NW/Investments

Jan: $280,013/$301,963
Feb: $278,012/$295,951
March: $286,533/$307,886
April: $267,850/$295,005

This market, ugh. I get it but man I hate seeing that number keep dropping.

[SeattleStache]

The first number is retirement related investments, the second is total NW including real estate, cash savings, and other investments. I'm only counting retirement related investments for this race!

December 2019: $292,062 (total NW $423,991)
December 2020: $398,408 (total NW $572,704)
December 2021: $506,167 (total NW $665,639) Graduated for now, hope it holds!
January 2022: $487,694 (total NW $652,192) Didn't hold!
February 2022: $469,440 (total NW $635,429) Dropped out of the next race before it even started....
March 2022: $492,407 (total NW $665,716)
April 2022: $469,971 (total NW $660,188)

[kickel]

6/20: $240,488
7/20: $276,744
8/20: $287,113
9/20: $283,134
10/20: $290,473
11/20: $278,794
12/20: $341,902
1/21: $365,033
2/21: $377,206
3/21: $360,108
4/21: $363,443
5/21: $360,478
6/21: $378,136
7/21: $381,418
8/21: $383,813
9/21: $375,708
10/21: $375,960
11/21: $376,068
12/21:$430,173
1/22: $402,306
2/22: $389,211
3/22: $444,242

This is from the first of the month. Major swings the past few months.

Lots of Head wind with QQQ down almost 25%

4/22: $437,015
5/22: $454,852

[dignam]

Feb 2020 $253k    May 2021 $355k
Mar 2020 $221k    Jun 2021 $368k
Apr 2020 $239k    Jul 2021 $378k
May 2020 $244k    Sep 2021 $394k
Jun 2020 $265k    Oct 2021 $399k
Jul 2020 $269k    Nov 2021 $436k
Aug 2020 $281k    Dec 2021 $454k
Sep 2020 $281k    Jan 2022 $462k
Oct 2020 $294k    Feb 2022 $441k
Nov 2020 $290k    Mar 2022 $440k
Dec 2020 $301k    Apr 2022 $455k
Jan 2021 $308k    May 2022 $425k
Feb 2021 $319k
Mar 2021 $332k
Apr 2021 $349k


Like others, big losses from the market pullback.

[kickel]

How do you guys handle marriage in your calculations? I recently Tied the knot, and am unsure if I should count us together or individual. We started sharing a joint account and savings. Would I consider half of those, or include the full amount plus their assets/debts?

Just curious how others in this thread calculate it. Currently I am just counting my half, not including the joint accounts.

[Em-Dog]

How do you guys handle marriage in your calculations? I recently Tied the knot, and am unsure if I should count us together or individual. We started sharing a joint account and savings. Would I consider half of those, or include the full amount plus their assets/debts?

Just curious how others in this thread calculate it. Currently, I am just counting my half, not including the joint accounts.

@kickel Congrats!! I think it's totally up to you and what makes the most sense for your situation. Since you combined accounts it may make sense to put your numbers in together. I got married a year ago and we've kept our accounts separate so I just put my numbers here. Of course many decisions I make now take my partner into account but he's not as good at saving as me so it works best for us to keep our accounts separate. Some people only show investments while others include home equity in this thread, definitely just what works for you.

[CTEC_Stache]

UPDATE

	2021	2022
JAN	N/A	$251,327
FEB	$213,392	$249,420
MAR	$222,443	$313,612
APR	$225,864	$310,442
MAY	$231,841	$304,513
JUN	$240,641
JUL	$230,023
AUG	$229,620
SEP	$233,285
OCT	$232,914
NOV	$230,646
DEC	$240,387

[Turtle]

How do you guys handle marriage in your calculations? I recently Tied the knot, and am unsure if I should count us together or individual. We started sharing a joint account and savings. Would I consider half of those, or include the full amount plus their assets/debts?

Just curious how others in this thread calculate it. Currently I am just counting my half, not including the joint accounts.

There's no rule that says you need to restrict yourself to only one race.  So for example, if you want to race / track your own retirement accounts in one race thread, but joint/ combined LNW/TNW fits in a different race level you could certainly post updates in more than one thread.

[CTEC_Stache]

How do you guys handle marriage in your calculations? I recently Tied the knot, and am unsure if I should count us together or individual. We started sharing a joint account and savings. Would I consider half of those, or include the full amount plus their assets/debts?

Just curious how others in this thread calculate it. Currently I am just counting my half, not including the joint accounts.

There's no rule that says you need to restrict yourself to only one race.  So for example, if you want to race / track your own retirement accounts in one race thread, but joint/ combined LNW/TNW fits in a different race level you could certainly post updates in more than one thread.

That's exactly what I'm doing. I started loosely tracking my TNW about 4 years ago; 2 years ago I began getting more detailed in my NW calculations. When I did that I realized my NW is very heavily dependent on my primary residence equity and my pension value. I decided to join in the appropriate NW race for my TNW and separate one for my LNW. It's only been a few months but I feel like it has forced me to be more honest with myself.

[kickel]

How do you guys handle marriage in your calculations? I recently Tied the knot, and am unsure if I should count us together or individual. We started sharing a joint account and savings. Would I consider half of those, or include the full amount plus their assets/debts?

Just curious how others in this thread calculate it. Currently I am just counting my half, not including the joint accounts.

There's no rule that says you need to restrict yourself to only one race.  So for example, if you want to race / track your own retirement accounts in one race thread, but joint/ combined LNW/TNW fits in a different race level you could certainly post updates in more than one thread.

That's exactly what I'm doing. I started loosely tracking my TNW about 4 years ago; 2 years ago I began getting more detailed in my NW calculations. When I did that I realized my NW is very heavily dependent on my primary residence equity and my pension value. I decided to join in the appropriate NW race for my TNW and separate one for my LNW. It's only been a few months but I feel like it has forced me to be more honest with myself.

These are all great advice, thank you!

[alcon835]

How do you guys handle marriage in your calculations? I recently Tied the knot, and am unsure if I should count us together or individual. We started sharing a joint account and savings. Would I consider half of those, or include the full amount plus their assets/debts?

Just curious how others in this thread calculate it. Currently I am just counting my half, not including the joint accounts.

Congrats on the marriage!!! A new beginning :)

I have always counted everything as ours - so my numbers include everything that belongs to both my wife and I as one unit.

There is nothing to say you have to do it that way, but in most states all assets are considered one by the state regardless of personal preference and I've found it really adds a significant level of freedom and communication to the marriage when we consider everything as 'ours'. Every dollar I earn belongs to her, and vice versa.

[Southern Stache]

Investments Only:

May 2021: $419,847
June 2021: $433,387
July 2021: $436,917
Aug 2021: $442,265
Nov 2021: $464,424
Dec 2021: $469,886
Jan 2022: $447,177

May 2022: $403,110

Investments only, as always. Sitting at $132k in equity if I am using the number that we paid for the house (no appreciation factored in).

I've been avoiding this post for obvious reasons! I applaud anyone whose numbers are heading in a positive direction, and those who have kept up with their updates through these rougher times.

@kickel Congrats!! Like alcon835, my spouse and I consider all money "ours" together. I think the idea of keeping track of both your combined and your personal NW sounds interesting, though!

[KidneyBeansMD]

Just joining this now after starting to track our net worth and assets more closely. Not including my student loans in this, which I anticipate to be forgiven in the next couple years through PSLF.

Jan 2022 $329,782
Feb 2022 $319,099
Mar 2022 $333,686
Apr 2022 $340,572
May 2022 $332,058

2022 Goals:

[ ] Max out Roth IRAs for both of us ($12k)
[ ] Max out my 403b ($20.5k) and her SIMPLE IRA ($14k)
[ ] Max out HSA ($7.3k for family)
[ ] Put at least $5k in my taxable brokerage

[ontheheel]

Net worth consists of equity portfolio, two rental properties, and cash (checking/savings). Liabilities are month-to-month credit card (PIF every month), two mortgages on rental properties, and what’s left of my wife’s student loans.

	2019	2020	2021	2022
January	$87,000	$153,000	$241,000	$347,000
February	$95,000	$159,000	$246,000	$354,000
March	$95,000	$152,000	$255,000	$372,000
April	$98,000	$172,000	$267,000	** $381,000 **
May	$95,000	$157,000	$290,000	-
June	$104,000	$187,000	$303,000	-
July	$106,000	$202,000	$325,000	-
August	$115,000	$206,000	$333,000	-
September	$118,000	$207,000	$328,000	-
October	$134,000	$215,000	$342,000	-
November	$136,000	$233,000	$346,000	-
December	$143,000	$234,000	$359,000	-
Annual gain	$56,000	$89,000	$125,000	-

Way behind in updating this.

[zygote]

For context: I'm 32 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 (1 year tracking)
8/19: $101,572.33 (graduated to the 100-250k thread)
3/20: $118,287.76 (2 years tracking)
3/21: $206,593.43 (3 years tracking)
11/21: $254,300,88 (graduated to this thread)
12/21: $258,452.24 (+$4,151.36, +1.63%)
1/22: $266,408.54 (+$7,956.30, +3.08%)
2/22: $249,470.14 (-$16,938.40, -6.36%)
3/22: $251,915.95 (+$2,445.81, +0.98%)
4/22: $258,017.81 (+$6,101.86, +2.42%)
5/22: $241,209.30 (-$16,808.51, -6.51%)
6/22: $241,739.39 (+$530.09, +0.22%)

Well.

[falsekrakk808]

04/2020  $256
05/2020  $278
06/2020  $282
07/2020  $304
08/2020  $312
09/2020  $295
10/2020  $286   
11/2020  $330   
12/2020  $360   
01/2021  $365
02/2021  $380
03/2021  $380
04/2021  $410
05/2021  $417
06/2021  $438
07/2021  $440
08/2021  $455
09/2021  $449
10/2021  $475
11/2021  $478
12/2021  $481
01/2022  $431
02/2022  $447
03/2022  $468
04/2022  $471

05/2022  $467
Small dip.