Race from 500k to 1M!

[Jack0Life]

Thank You @fireforfun and @MikeO . Mikeo, I'm in your neck of the woods. Similar age and income(not this year LOL). Similar goal on when to retire.

[OurTown]

6/1/17 = $500
7/1/17 = $508
8/1/17 = $518
9/1/17 = $523
10/1/17 = $543
11/1/17 = $550
12/1/17 = $558

1/1/18 = $580
2/1/18 = $593
3/1/18 = $589
4/1/18 = $587
5/1/18 = $603
6/1/18 = $617
7/1/18 = $612
8/1/18 = $623
9/1/18 = $639
10/1/18 = $644
11/1/18 = $622
12/1/18 = $636

1/1/19 = $630
2/1/19 = $664
3/1/19 = $682
4/1/19 = $691
5/1/19 = $708
6/1/19 = $702
7/1/19 = $731
8/1/19 = $737
9/1/19 = $736
10/1/19 = $746
11/1/19 = $761
12/1/19 = $781

1/1/20 = $809
2/1/20 = $824
3/1/20 = $806
4/1/20 = $744
5/1/20 = $783
6/1/20 = $809

That's break even YTD, I'll take it.

[dandypandys]

2017
Jan 1st: 252k
Dec 4th 322.5k   

2018
Jan 1st:316.5k     64.5k up for 2017
Dec 1st:370k

2019
Jan 1st: $357.5 (marking the first year of maxing out retirement accounts!) UP: 41k for 2018 (markets took a hit)
Dec 1st $498.5   

2020
Jan 1st $533.5  We did it! How exciting :) UP 176k for 2019- wow did I make a mistake lol!?
Feb 3rd  $523
March 1st  $499  I am glad I rebalanced the end of Jan, bought more bonds to maintain my IPS.
April 1st $455
May 1st $498.5 didn't check all month, so surprised at this.
June 1st $519.5

[skip207]

01/01/17 £374668
01/01/18 £497097
01/01/19 £547415
01/01/20 £649762
01/02/20 £655831
01/03/20 £644284
01/04/20 £625095
01/05/20 £630000
01/06/20 £646995

May is an estimate as I managed to screw up my excel sheet!

[salt cured]

Congrats everyone on becoming rich again

11/30/19: $496k
12/31/19: $524k
01/31/20: $533k
02/29/20: $507k
03/31/20: $458k
04/30/20: $510k
05/31/20: $542k

[bownyboy]

Jan 2017 - £346,854
===============
Jan 2018 - £456,088
===============
Jan 2019 - £495,379
===============
Jan 2020 - £606,791
Feb 2020 - £598,230 (-£8,561)
Mar 2020 - £622,178 (+£23,948)
Apr 2020 - £587,380 (-£34,798)
May 2020 - £605,014 (+£17,364)
Jun 2020 - £635,485 (+£30,471)

Wow biggest gain this month as the markets rallied towards the end of this week.

Target is £670k by September when my current contract finishes.

[Trifle]

Tracking retirement savings only (excludes 529s and home equity)

5/1/17     $631     
6/1/17     $647     
7/1/17     $655   
8/1/17     $665     
9/1/17     $672   
10/1/17   $684     
11/1/17   $702
12/1/17   $724

1/1/18     $731
2/1/18     $761
3/1/18     $737
4/1/18     $731
5/1/18     $738
6/1/18     $747
7/1/18     $744
8/1/18     $761
9/1/18     $776
10/1/18   $776
11/1/18   $729
12/1/18   $745

1/1/19     $703
2/1/19     $751  FIREd
3/1/19     $769
4/1/19     $813
5/1/19     $841
6/1/19     $810
7/1/19     $841
8/1/19     $849
9/1/19     $826
10/1/19   $832
11/1/19   $854
12/1/19   $870

1/1/20     $886
2/1/20     $881
3/1/20     $845
4/1/20     $745
5/1/20     $815
6/1/20     $848

[2Birds1Stone]

08/1/2018 - $511,000
09/1/2018 - $519,000
10/1/2018 - $526,000
11/1/2018 - $511,000
12/1/2018 - $523,700
01/1/2019 - $515,100
02/1/2019 - $552,000
03/1/2019 - $576,000
04/1/2019 - $586,200
05/1/2019 - $604,500
06/1/2019 - $590,360
07/1/2019 - $624,000
08/1/2019 - $628,300
09/1/2019 - $637,300
10/1/2019 - $649,800 FIRE'd
11/1/2019 - $675,000
12/1/2019 - $695,700
01/1/2020 - $717,000
02/1/2020 - $721,000
03/1/2020 - $702,500
04/1/2020 - $651,000
05/1/2020 - $686,700
06/1/2020 - $702,200

[achvfi]

I am looking forward to be in this race soon and posting to follow for inspiration.

We have been tracking our progress in 250K-500K race so far. This end of this month we have about 400K in liquid investments and closing in on 600K in net worth after including real estate and related 30 year fixed mortgage.

[Trifle]

I am looking forward to be in this race soon and posting to follow for inspiration.

We have been tracking our progress in 250K-500K race so far. This end of this month we have about 400K in liquid investments and closing in on 600K in net worth after including real estate and related 30 year fixed mortgage.

Welcome!

[monarda]

             cash+rental equity  add primary residence equity
1/2016     $507K                 $627K
1/2017     $625K                 $797K
12/2017   $762K                 $903K  begin remodeling primary residence
12/2018   $821K                 $964K   
12/2019   $818K                 $965K  Passed final inspection on our remodel.

1/2020     $836K                 $996K   
2/2020     $845K                 $996K       
2/7/2020  $853K               $1004K  !! yay!! Briefly over 1MM! big day for a stock I own.
4/2020     $794K                 $944K
5/2020     $818K                 $971K

6/2020    $852K             $1005K   we'll see if it sticks this time
6/2020 mod $867K           $1044K  Zillow values on our properties went way up.
6/2020 mod2 $746K          $865K   (Using very conservative tax assessed values)

1MM dates, who knows         made it!

[fattest_foot]

	2014	2015	2016	2017	2018	2019	2020
January	-	-	-	-	$341,983	$403,773	$562,839
February	-	-	-	-	$333,875	$423,854	$523,480
March	-	-	-	-	$328,485	$435,590	$455,522
April	-	-	-	-	$338,787	$455,332	$527,729
May	-	-	-	-	$353,747	$439,288	$563,352
June	-	-	-	-	$361,028	$471,706	-
July	-	-	-	-	$381,336	$483,830	-
August	-	-	-	-	$402,486	$479,814	-
September	-	-	-	-	$408,560	$494,165	-
October	-	-	-	-	$383,538	$512,168	-
November	-	-	-	-	$397,907	$537,136	-
December	$97,686	$129,157	$206,179	$317,990	$366,214	$557,416	-

[Ladychips]

12/16 - $360,891     $570,338
12/17 - $473,407     $697,411
12/18 - $480,550     $732,108
12/19 - $669,819     $943,739

01/20 - $675,940     $951,251
02/20 - $632,514     $909,220
03/20 - $570,114     $848,222
04/20 - $639,036     $918,460

5/20 - $668,874     $949803

It's exciting to see I'm back to December level...until I think about the $20,000+ we've contributed in that time.  But, as always, it doesn't matter.  I'm retiring in 13 months (as of today) regardless of the size of the stash.

[turketron]

April 2015: $98k
May 2015: $111k
June 2015: $112k
July 2015: $113k
Aug 2015: $113k
Sept 2015: $116k
Nov 1 2015: $120,330.91
Dec 1 2015: $138,810.56

Jan 1 2016: $141,251.00
Feb 1 2016: $135,573.00
Mar 4 2016: $138,331.39
Apr 1 2016: $146,788.37
May 1 2016: $149,149.52
Jun 1 2016: $161,205.21
July 1 2016: $165,947.80
Aug 1 2016: $176,198.00
Sep 1 2016: $178,840.37
Oct 1 2016: $184,372.64
Nov 1 2016: $181,625.28
Dec 1 2016: $187,972.57

Jan 1 2017: $193,414.19
Feb 1 2017: $200,758.63
Mar 1 2017: $211,677.78
Apr 1 2017: $217,643.71
May 1 2017: $225,773.04
Jun 1 2017: $232,222.09
July 1 2017: $235,779.19
Aug 1 2017: $244,461.55
Sept 1 2017: $247,101.69
Oct 1 2017: $256,365.91
Nov 1 2017: $266,140.14
Dec 1 2017: $279,806.93

Jan 1 2018: $283,829.36
Feb 1 2018: $304,851.88
Mar 1 2018: $303,796.17
Apr 1 2018: $307,682.67
May 1 2018: $315,634.59
Jun 1 2018: $337,046.55
July 1 2018: $340,399.63
Aug 1 2018: $363,304.76
Sept 1 2018: $385,572.12
Oct 1 2018: $392,296.56
Nov 1 2018: $370,000.25
Dec 1 2018: $386,361.40

Jan 1 2019: $359,505.30
Feb 1 2019: $397,087.41
Mar 1 2019: $428,309.57
Apr 1 2019: $440,342.71
May 1 2019: $456,285.80
Jun 1 2019: $441,047.77
Jul 1 2019: $476,489.51
Aug 1 2019: $486,559.27
Sept 1 2019: $483,967.28
Oct 1 2019: $490,200.54
Nov 1 2019: $501,003.17
Dec 1 2019: $531,904.82
Jan 1 2020: $546,089.75
Feb 1 2020: $557,258.06
Mar 1 2020: $522,077.78
Apr 1 2020: $451,185.96
May 1 2020: $510,875.92
Jun 1 2020: $551,923.37

Bounced back to just about where I was in Feb!

[afuera]

12/31/2014: INV-$10,584.06     NW-$-20,000
12/31/2015: INV-$49,877.48     NW-$78,264.92
12/31/2016: INV-$106,390.73    NW-$188,244.13
12/31/2017: INV-$265,731.22    NW-$277,837.89
12/31/2018: INV-$332,761.13    NW-$357,901.80
12/31/2019: INV-$545,957.38    NW-$583,896.83

01/31/2020: INV-$554,278.54    NW-$597,803.17
02/29/2020: INV-$530,928.16    NW-$572,428.24
03/31/2020: INV-$475,079.49    NW-$519,370.12
04/30/2020: INV-$529,397.31    NW-$573,982.99
05/31/2020: INV-$573,990.90    NW-$621,671.08

Pretty much recovered from the initial drop and was able to put my yearly bonus in while things were on sale. I'm lucky that my yearly bonus is in March every year.
NW is over 600K for this first time ever so that is cool too.

[use2betrix]

Tracking liquid net worth only: Cash/Savings/Investments - do not have a mortgage or debt

Feb 1, 2016 - $90k
Apr 1, 2016 - $100k 
Jan 1, 2017 - $177k
(Took 7 month sabbatical between Jan 1st 2017 and December 1st 2017)
Dec 1, 2017 - $187k
Jan 1, 2018 - $196k
Feb 1, 2018 - $214,462
Mar 1, 2018 - $225,651
Apr 1, 2018 - $238,764
May 1, 2018 - $251,725
June 1, 2018 - $265,145
July 1, 2018 - $272,423
Aug 1, 2018 - $277,896
Sep 1, 2018 - $298,543
Oct 1, 2018 - $296,603
Nov 1, 2018 - $288,618
Dec 1, 2018 - $304,127
Jan 1, 2019 - $294,621
Feb 1, 2019 - $326,081
Mar 1, 2019 - $354,771
Apr 1, 2019 - $384,308
May 1, 2019 - $407,770
June 1, 2019 - $404,625
July 1, 2019 - $420,082
Aug 1, 2019 - $441,976
Sep 1, 2019 - $458,940
Oct 1, 2019 - $481,915
Nov 1, 2019 - $501,937
Dec 1, 2019 - $518,285
Jan 1, 2020 - $544,655
Feb 1, 2020 - $573,474
Mar 1, 2020 - $557,410
Apr 1, 2020 - $494,414
May 1, 2020 - $572,376
June 1, 2020 - $618,048

Good gains for the month, saved a lot and some good market growth. I’ve invested about $70k of my cash reserves and savings over the last 3-4 months and it’s going to pay off big as the market keeps recovering (whether it’s in 3 months or 12 months).

Even with the market down, I’m still up about $75k for the year. My actual savings this year is about $80k, so pretty dang good considering the market..

[YoungGranny]

Dec. 2017: $502k
Jan. 2, 2018: $513.7k
Feb. 5, 2018: $539.9k
Mar. 5, 2018: $543.6k
Apr. 2, 2018: $557.6
Apr. 30, 2018: $574.5k
June 4, 2018: $616.2k
July 2, 2018: $623.4k
Aug. 1, 2018: $643.8k
Sep. 4, 2018:$670.2k
Oct. 2, 2018: $677.7k
Nov. 2, 2018: $659.6k
Jan 2, 2019: $631.2k
Feb 1, 2019: $659.1k
Mar 1, 2019: $708k
Apr 1, 2019: $725.9k
May 1, 2019: $753.9k
July 1, 2019: $772.4k
Aug 1, 2019: $792.8k
Sep 3, 2019: $787.2k
Oct 1, 2019: $806.4k
Nov 1, 2019: $827.9k
Dec 2, 2019: $863.6k
Jan 2, 2020: $894.8k
Feb 3, 2020: $908.4k
Mar 2, 2020: $861.9k
Apr 2, 2020: $729.1k
May 1, 2020: $829.6k

June 4, 2020: $899.0k

[JJ-]

Jan 2017  $275k
Jan 2018 $356k
Jan 2019 $447k
Jan 2020 $559k (433 liquid + 126 prop)

Jun 2020 $560k (440 liquid + 120 prop)

[Icecreamarsenal]

I've graduated from NW 1MM but most of my nw is tied up in real estate, and who really knows what that stuff is worth in this era.
I'm going to use this thread to hold my post-tax account accountable.

5/3/20: 64k

6/4/20: 595k
It's been a wild and scary ride with options in $C, $TSLA, $FLIR, and $DKNG, to name a few.  Gonna go back to conservative MMM mode.

Really for myself.  Graduated NW 1Mm last year, then decided to recalc without real estate.  Originally was going to do post-tax investment accounts then decided to lump it all for easier tracking.  Made some quick money with options trading.  Will continue to trade options but most money is DCA into Vanguard mutual funds with tax loss harvesting every month when applicable.

[tips^up]

5/1/2020 $277k LNW / $820k TNW
1/1/2020 $297k LNW / $834k TNW
5/1/2020 $242k LNW / $764k TNW

@tips^up , that's a lot of non-liquid assets. You in a paid-for home?

2 houses in an expensive and desirable area - our primary and a rental.  The rental has 2 units, our primary home has a lock-off basement, so 3 total rental units.  Bought the rental in 2013, substantial equity.  Both are included in my total net worth estimate by the following calculation:
(Estimated market value * 94%) - loan balance = real estate equity

I am an appraiser by trade, so the market value is updated when necessary (every 6 months to year or so).  94% is the estimated net after 6% selling costs.  Loan balances being paid down by renters every month, we essentially have no rent/mortgage, so I've been able to accelerate savings.

My largest (3 bedroom) unit just rented out starting 6/1 for $3k+utilities immediately.  There was 0 hours of vacancy, very high demand, no drop in rent.  I was surprised and mentally prepared to encounter covid-19 conditions, but not the case here at this time.

Looking at another up/down duplex tomorrow.  I'd like to add a few more rentals to surpass my "job" income, then coast off into FIRE.

[Woodro85]

2013   -$14,500.00

2/1/2020   $500,122.69
3/1/2020   $497,515.82
4/1/2020   $489,899.65
5/1/2020   $513,921.29

I'm joining you folks on my next goal of a $1,000,000! Started focusing on this journey in 2013 with a negative net worth. 7 years later and I'm over half a mill. This is networth but excludes my wife's assets. Depending on my forecast, it should be 5-6 years so let's say July 2025. I've had some good years where I've been way ahead of forecast, but don't want to get too cocky. Current estimate is fully FI at 47, 12.5 years away.

[Res Ipsa]

Congrats Jack0Life!

Jan. 1, 2018:     $412,626
Feb. 1, 2018:     $433,521
Mar. 1, 2018:     $418,873
Apr. 1, 2018:     $410,875
May 1, 2018:     $439,719
June 1, 2018:    $446,814
July 1, 2018:     $451,330
Aug. 1, 2018:    $469,413
Sept. 1, 2018:   $491,582
Oct. 1, 2018:     $496,037
Nov. 1, 2018:    $465,386
Dec. 1, 2018:    $473,869

Jan. 1, 2019:    $436,390
Feb. 1, 2019:    $472,423
Mar. 1, 2019:    $488,585
Apr. 1, 2019:     $500,442
May 1, 2019:     $508,168
June 1, 2019:    $493,942
July 1, 2019:     $528,114
Aug. 1, 2019:    $539,640
Sept. 1, 2019:   $536,031
Oct. 1, 2019:     $546,248
Nov. 1, 2019:    $559,267
Dec. 1, 2019:    $578,973

Jan. 1, 2020:     $596,311
Feb. 1, 2020:     $598,594
Mar. 1, 2020:     $561,214
Apr. 1, 2020:     $492,223
May 1, 2020:     $560,026
June 1, 2020:    $605,735

It's gone up even more since 6/1.  Crazy, especially given the state of unemployment, etc.  Feel as though I'm buying too high with the money I'm putting in now.  Keep your hands and arms inside the ride at all times.

[Dr Kidstache]

Apr 5 2019: $523,606 -> crossed 500k threshold
May 6 2019: $536,891
Jun 6 2019: $528,014
Jul 10 2019: $569,181
Aug 5 2019: $547,229
Sep 5 2019: $569,689 
Oct 5 2019: $579,502 
Nov 5 2019: $602,772   
Dec 5 2019: $607,806
Jan 5 2020: $634,119 
Feb 5 2020: $642,031
Mar 5 2020: $619,455
Apr 5 2020: $525,283
May 5 2020: $587,254 

June 5 2020: $654,920 (+$67,666)

I'm with you @Res Ipsa, it just feels wrong to be up with all the suffering happening in our country right now ....

[Trifle]

2013   -$14,500.00

2/1/2020   $500,122.69
3/1/2020   $497,515.82
4/1/2020   $489,899.65
5/1/2020   $513,921.29

I'm joining you folks on my next goal of a $1,000,000! Started focusing on this journey in 2013 with a negative net worth. 7 years later and I'm over half a mill. This is networth but excludes my wife's assets. Depending on my forecast, it should be 5-6 years so let's say July 2025. I've had some good years where I've been way ahead of forecast, but don't want to get too cocky. Current estimate is fully FI at 47, 12.5 years away.

Welcome @Woodro85 --  Nice progress!

[MayDay]

Holy crap we are close!  End of May was 987,000.  Could be next month, or else July!  (Or not, as March taught us). 

[mizzourah2006]

Just crossed over $500k for the stache this past month, so I'll jump in on the race.

Started tracking:
Jan 16: $181.2k

Feb 19: $532.8k

Update to April 1st. $546.25k

Update to October 1st: $620.15k

Feb 1. 20: $710.5k
March 1 20: $685.7k
Apr 1 20: $605.9k
May 1 20: $693.4k

June 1 20: $724.5k

Back up for the year (of course this counts a decent chunk of contributions too).

[asauer]

Well....I have absolutely no idea what's happening with the stock market but we're up to nearly our Feb high (mid Feb)

Monthly stats update:
Jan 1 2018: 580,300
Jun 1 2018: 616,473
Jan 1 2019: 661,636
Jun 1 2019: 705,137

November 1 2019: 818,595
December 1 2019: 856,619
February 1 2020: 875,020
The month that must not be named...
April 1: 768,000
May 1: 807,000
Jun 11: 906,000

[talltexan]

@asauer , I like your approach to March. Just let it ride, and don't look!

[Jack0Life]

LOL, I might be back below $1 million after today.
Got to $1,028,000 ish but it was brutal today. Looking for lots of green tomorrow.

[Trifle]

Guys, I was wondering -- do most people include pensions in their numbers?  My DH has a mini state pension that starts at age 55 and I've never included it as part of our savings number.  (Just being conservative, I guess, since it's not "money in the hand.")  He starts getting it next year though, so it's seeming a lot more real now.

If I want to include it, do I take the expected annual payout and multiply by 25 for the value?

[charis]

Guys, I was wondering -- do most people include pensions in their numbers?  My DH has a mini state pension that starts at age 55 and I've never included it as part of our savings number.  (Just being conservative, I guess, since it's not "money in the hand.")  He starts getting it next year though, so it's seeming a lot more real now.

If I want to include it, do I take the expected annual payout and multiply by 25 for the value?

I include my mini pension, but just the current cash of the account, which is the amount I would receive if I withdrew it today.  I think trying to calculate the future value is too speculative to include in NW.  But NW is a somewhat useless number, it's good for tracking your overall financial health, but doesn't necessarily correlate with RE.

[Trifle]

Guys, I was wondering -- do most people include pensions in their numbers?  My DH has a mini state pension that starts at age 55 and I've never included it as part of our savings number.  (Just being conservative, I guess, since it's not "money in the hand.")  He starts getting it next year though, so it's seeming a lot more real now.

If I want to include it, do I take the expected annual payout and multiply by 25 for the value?

I include my mini pension, but just the current cash of the account, which is the amount I would receive if I withdrew it today.  I think trying to calculate the future value is too speculative to include in NW.  But NW is a somewhat useless number, it's good for tracking your overall financial health, but doesn't necessarily correlate with RE.

Thanks @charis -- It doesn't look like there is any ability to withdraw a lump sum from this plan.  Looks like the value lies in the ongoing payments.  I could do something like multiply the annual benefit by the number of years of life expectancy?  Then maybe decrease that a bit to reflect the possibility that the state could decrease the amount or stop payments?  (Honestly I can't imagine that happening.  I think there would be a big outcry if the state tried to tinker with teacher's pensions ...)
 

[use2betrix]

Guys, I was wondering -- do most people include pensions in their numbers?  My DH has a mini state pension that starts at age 55 and I've never included it as part of our savings number.  (Just being conservative, I guess, since it's not "money in the hand.")  He starts getting it next year though, so it's seeming a lot more real now.

If I want to include it, do I take the expected annual payout and multiply by 25 for the value?

I include my mini pension, but just the current cash of the account, which is the amount I would receive if I withdrew it today.  I think trying to calculate the future value is too speculative to include in NW.  But NW is a somewhat useless number, it's good for tracking your overall financial health, but doesn't necessarily correlate with RE.

Thanks @charis -- It doesn't look like there is any ability to withdraw a lump sum from this plan.  Looks like the value lies in the ongoing payments.  I could do something like multiply the annual benefit by the number of years of life expectancy?  Then maybe decrease that a bit to reflect the possibility that the state could decrease the amount or stop payments?  (Honestly I can't imagine that happening.  I think there would be a big outcry if the state tried to tinker with teacher's pensions ...)

When summarizing my net worth, be it for your own personal records, or if you would like for this thread, I would simply outline the high level benefits of the pension. Maybe at the beginning (or end) simply add, “*Pension of $xxxx/mo to start January 1, 2021” or similar.

People calculate their net worth all sorts of different ways around here. Some include a house, some don’t. Others include rental properties, other’s don’t.

[Trifle]

Guys, I was wondering -- do most people include pensions in their numbers?  My DH has a mini state pension that starts at age 55 and I've never included it as part of our savings number.  (Just being conservative, I guess, since it's not "money in the hand.")  He starts getting it next year though, so it's seeming a lot more real now.

If I want to include it, do I take the expected annual payout and multiply by 25 for the value?

I include my mini pension, but just the current cash of the account, which is the amount I would receive if I withdrew it today.  I think trying to calculate the future value is too speculative to include in NW.  But NW is a somewhat useless number, it's good for tracking your overall financial health, but doesn't necessarily correlate with RE.

Thanks @charis -- It doesn't look like there is any ability to withdraw a lump sum from this plan.  Looks like the value lies in the ongoing payments.  I could do something like multiply the annual benefit by the number of years of life expectancy?  Then maybe decrease that a bit to reflect the possibility that the state could decrease the amount or stop payments?  (Honestly I can't imagine that happening.  I think there would be a big outcry if the state tried to tinker with teacher's pensions ...)

When summarizing my net worth, be it for your own personal records, or if you would like for this thread, I would simply outline the high level benefits of the pension. Maybe at the beginning (or end) simply add, “*Pension of $xxxx/mo to start January 1, 2021” or similar.

People calculate their net worth all sorts of different ways around here. Some include a house, some don’t. Others include rental properties, other’s don’t.

I'm not tracking net worth in this thread, just retirement accounts . . .  So I guess it makes sense to leave it out.   I like your thinking @use2betrix that it is income, not a retirement asset.  I'll think of it that way.       

[TempusFugit]

Guys, I was wondering -- do most people include pensions in their numbers?  My DH has a mini state pension that starts at age 55 and I've never included it as part of our savings number.  (Just being conservative, I guess, since it's not "money in the hand.")  He starts getting it next year though, so it's seeming a lot more real now.

If I want to include it, do I take the expected annual payout and multiply by 25 for the value?

These threads are basically for fun and a little bit of motivation.  You can use whatever method works for you to achieve those goals. 

For more serious use, you want to track the things that form the basis of your retirement calculations ( the 4% rule ) along with how you calculate your expenses to feed into the 4% rule.

So, for example, i have 2 pensions.  I have a cash pension for which i get statements and that i can choose to cash out and rollover into my personal ira whenever I choose to leave my employer.  I do include that number in my NW.   i have another traditional pension that is a monthly income when i reach retirement age.  I don't count that one toward NW, but I do keep that income in mind for calculating my income during retirement.  It supplements my 4% rule income, just as any social security income will do.   

The only time you would truly need to get into the weeds on present cash value for a traditional pension is if you had to divide assets in a  divorce or something equally unpleasant. 

[talltexan]

The difficulty with using pensions is that you have to keep track of the COLA and how it compares to your own personal rate of inflation. If you expect steadily increasing medical care expenses, for example, that could affect things more than your income will rise.

[coffeefueled]

JAN : $500,606
FEB : $511,261
MAR: $508,145
APR: $421,516
MAY:  $460,751
JUNE 1: $487,168

Late posting this month. Mid-month figures are back above February numbers.

[rokel]

07/2018-- 535,562/ 673,992
12/2018-- 495,360/ 652,069
03/2019-- 553,577/ 713,262
06/2019-- 606,080/ 749,479
09/2019-- 607,394/ 737,311
12/2019-- 656,687/ 775,644
03/2020-- 506,259/ 646,923
06/2020-- 666,753/ 807,970

[bownyboy]

Another month gone by and another month of yo yo returns! But good news is that we’ve closed the month with some gains. But who knows how long for!

Jan 2017 - £346,854
===============
Jan 2018 - £456,088
===============
Jan 2019 - £495,379
===============
Jan 2020 - £606,791
Feb 2020 - £598,230 (-£8,561)
Mar 2020 - £622,178 (+£23,948)
Apr 2020 - £587,380 (-£34,798)
May 2020 - £605,014 (+£17,364)
Jun 2020 - £635,485 (+£30,471)
Jul 2020 - £645,221 (+£9,736)

[OurTown]

6/1/17 = $500
7/1/17 = $508
8/1/17 = $518
9/1/17 = $523
10/1/17 = $543
11/1/17 = $550
12/1/17 = $558

1/1/18 = $580
2/1/18 = $593
3/1/18 = $589
4/1/18 = $587
5/1/18 = $603
6/1/18 = $617
7/1/18 = $612
8/1/18 = $623
9/1/18 = $639
10/1/18 = $644
11/1/18 = $622
12/1/18 = $636

1/1/19 = $630
2/1/19 = $664
3/1/19 = $682
4/1/19 = $691
5/1/19 = $708
6/1/19 = $702
7/1/19 = $731
8/1/19 = $737
9/1/19 = $736
10/1/19 = $746
11/1/19 = $761
12/1/19 = $781

1/1/20 = $809
2/1/20 = $824
3/1/20 = $806
4/1/20 = $744
5/1/20 = $783
6/1/20 = $809
7/1/20 = $827

[salt cured]

Looking forward to July, just bought a hammock if you know what I mean.

11/30/19: $496k
12/31/19: $524k
01/31/20: $533k
02/29/20: $507k
03/31/20: $458k
04/30/20: $510k
05/31/20: $542k
06/30/20: $578k

[turketron]

April 2015: $98k
May 2015: $111k
June 2015: $112k
July 2015: $113k
Aug 2015: $113k
Sept 2015: $116k
Nov 1 2015: $120,330.91
Dec 1 2015: $138,810.56

Jan 1 2016: $141,251.00
Feb 1 2016: $135,573.00
Mar 4 2016: $138,331.39
Apr 1 2016: $146,788.37
May 1 2016: $149,149.52
Jun 1 2016: $161,205.21
July 1 2016: $165,947.80
Aug 1 2016: $176,198.00
Sep 1 2016: $178,840.37
Oct 1 2016: $184,372.64
Nov 1 2016: $181,625.28
Dec 1 2016: $187,972.57

Jan 1 2017: $193,414.19
Feb 1 2017: $200,758.63
Mar 1 2017: $211,677.78
Apr 1 2017: $217,643.71
May 1 2017: $225,773.04
Jun 1 2017: $232,222.09
July 1 2017: $235,779.19
Aug 1 2017: $244,461.55
Sept 1 2017: $247,101.69
Oct 1 2017: $256,365.91
Nov 1 2017: $266,140.14
Dec 1 2017: $279,806.93

Jan 1 2018: $283,829.36
Feb 1 2018: $304,851.88
Mar 1 2018: $303,796.17
Apr 1 2018: $307,682.67
May 1 2018: $315,634.59
Jun 1 2018: $337,046.55
July 1 2018: $340,399.63
Aug 1 2018: $363,304.76
Sept 1 2018: $385,572.12
Oct 1 2018: $392,296.56
Nov 1 2018: $370,000.25
Dec 1 2018: $386,361.40

Jan 1 2019: $359,505.30
Feb 1 2019: $397,087.41
Mar 1 2019: $428,309.57
Apr 1 2019: $440,342.71
May 1 2019: $456,285.80
Jun 1 2019: $441,047.77
Jul 1 2019: $476,489.51
Aug 1 2019: $486,559.27
Sept 1 2019: $483,967.28
Oct 1 2019: $490,200.54
Nov 1 2019: $501,003.17
Dec 1 2019: $531,904.82
Jan 1 2020: $546,089.75
Feb 1 2020: $557,258.06
Mar 1 2020: $522,077.78
Apr 1 2020: $451,185.96
May 1 2020: $510,875.92
Jun 1 2020: $551,923.37
July 12020: $567,485.67

[caracarn]

So have not looked since March 2nd, but here is the update....

	2014	2015	2016	2017	2018	2019	2020	2021
January	$-	$292,190	$304,411	$437,806	$581,831	$615,789	$767,806	-
February	$-	$332,002	$331,197	$162,424	$585,663	$662,207	$735,649	-
March	$-	$332,209	$331,749	$481,340	$583,773	$683,014	$683,851	-
April	$-	$336,743	$260,548	$483,994	$582,862	$719,849	$734,510	-
May	$256,131	$338,884	$373,153	$483,982	$585,929	$701,938	$760,661	-
June	$258,642	$321,529	$377,807	$490,951	$590,577	$731,170	$777,705	-
July	$276,381	$320,767	$414,764	$503,706	$601,024	$721,753	-	-
August	$296,700	$313,896	$405,676	$513,111	$606,442	$686,503	-	-
September	$290,244	$301,079	$422,204	$525,158	$610,690	$698,968	-	-
October	$274,986	$308,291	$413,967	$533,760	$585,817	$577,615	-	-
November	$282,762	$308,558	$419,572	$549,074	$595,773	$620,036	-	-
December	$292,942	$312,281	$431,458	$557,941	$575,877	$760,501	-	-

I added about $10K in during this time, as we've been very blessed over this time to both keep our jobs (pay cut on my end that last indefinitely), including more work for my self employed wife than she had before the pandemic started which was totally unexpected.  The side hustles also helped both cover the paycut and add to the stash as I have been able to make over $6K doing that since late February, so I have a goal of making $16.5K in 12 months from that which would cover my paycut and the extra savings I was targeting the side hustle for and given that this was 4 months so far, should be doable even by pulling back a bit. 

So overall really pleased on how things are going.

[fattest_foot]

	2014	2015	2016	2017	2018	2019	2020
January	-	-	-	-	$341,983	$403,773	$562,839
February	-	-	-	-	$333,875	$423,854	$523,480
March	-	-	-	-	$328,485	$435,590	$455,522
April	-	-	-	-	$338,787	$455,332	$527,729
May	-	-	-	-	$353,747	$439,288	$563,352
June	-	-	-	-	$361,028	$471,706	$585,100
July	-	-	-	-	$381,336	$483,830	-
August	-	-	-	-	$402,486	$479,814	-
September	-	-	-	-	$408,560	$494,165	-
October	-	-	-	-	$383,538	$512,168	-
November	-	-	-	-	$397,907	$537,136	-
December	$97,686	$129,157	$206,179	$317,990	$366,214	$557,416	-

[MikeO]

Investment Accounts
End Of Month	Liquid Balance	$$ I invested	total change
Dec 2016	$322,818	$30,604
Dec 2017	$438,627	$40,177	$115,809
Dec 2018	$518,373	$87,168	$79,746
Dec 2019	$778,776	$95,881	$260,403
Jan 2020	$777,421	$3,389	$-1,355
Feb 2020	$753,453	$4,390	$-23,968
Mar 2020	$645,440	$11,556	$-108,013
Apr 2020	$716,401	$8,303	$70,961
May 2020	$757,000	$4,080	$40,599
June 2020	$780,621	$4,130	$23,621

[Trifle]

Tracking retirement savings (not home equity or 529 savings):

5/1/17     $631     
6/1/17     $647     
7/1/17     $655   
8/1/17     $665     
9/1/17     $672   
10/1/17   $684     
11/1/17   $702
12/1/17   $724

1/1/18     $731
2/1/18     $761
3/1/18     $737
4/1/18     $731
5/1/18     $738
6/1/18     $747
7/1/18     $744
8/1/18     $761
9/1/18     $776
10/1/18   $776
11/1/18   $729
12/1/18   $745

1/1/19     $703
2/1/19     $751  FIREd
3/1/19     $769
4/1/19     $813
5/1/19     $841
6/1/19     $810
7/1/19     $841
8/1/19     $849
9/1/19     $826
10/1/19   $832
11/1/19   $854
12/1/19   $870

1/1/20     $886
2/1/20     $881
3/1/20     $845
4/1/20     $745
5/1/20     $815
6/1/20     $848
7/1/20     $867

[FIreDrill]

"I would not complain if we saw the market go lower for a while... This could be our golden opportunity"

Well that crash didn't last long but we took advantage of it.  Also just locked in a 2.75% 30yr mortgage so that was awesome.

End of      NW           Change

12/13:   $41,032   
12/14:   $106,801    $65,769
12/15:   $197,262    $90,461
12/16:   $276,361    $79,099
12/17:   $368,051    $91,690
12/18:   $394,472    $26,421

12/19:   $560,195    $165,723

01/20:   $555,645    $-4,550
02/20:   $548,136    $-7,509
03/20:   $507,165    $-40,971
04/20:   $571,647    $64,482
05/20:   $602,413    $30,766
06/20:   $623,728    $21,315

Year to date:           $63,533

Hoping we get more opportunity to invest at lower levels.

[Ladychips]

12/16 - $360,891     $570,338
12/17 - $473,407     $697,411
12/18 - $480,550     $732,108
12/19 - $669,819     $943,739

01/20 - $675,940     $951,251
02/20 - $632,514     $909,220
03/20 - $570,114     $848,222
04/20 - $639,036     $918,460
05/20 - $668,874     $949,803

06/20 - $691,239       $973,588     

[AnxietyFly]

I still have fifteen years before I want to retire. I feel pretty good with where I am at in life with regards to my finances.

2015 296,000
2016 402,438
2017 534,213
2018 631,884
2019 782,239 (estimated)

2015 296,000
2016 402,438
2017 534,213
2018 631,884
2019 817,971
Current 782,688
EOY Est 782,688

2015 296,000
2016 402,438
2017 534,213
2018 631,884
2019 817,971
Current 855,000
EOY Est 855,000

[dandypandys]

2017
Jan 1st: 252k
Dec 4th 322.5k   

2018
Jan 1st:316.5k     64.5k up for 2017
Dec 1st:370k

2019
Jan 1st: $357.5 (marking the first year of maxing out retirement accounts!) UP: 41k for 2018 (markets took a hit)
Dec 1st $498.5   

2020
Jan 1st $533.5  We did it! How exciting :) UP 176k for 2019- wow did I make a mistake lol!?
Feb 3rd  $523
March 1st  $499  I am glad I rebalanced the end of Jan, bought more bonds to maintain my IPS.
April 1st $455
May 1st $498.5 didn't check all month, so surprised at this.
June 1st $519.5
July 1st $534 yay back up again!