Race from 500k to 1M!

[damnedbee]

FIRE target: $1.25 million

Investments / NW

2018: $318K
2019: $402K
2020: $505K
2021: $670K / $877K
2022-2023: Used FU money to take a career break and realized I was going to be bored in full retirement. New plan -- Coast FIRE.
2024: $640K / $885K

[JJ-]

Jan 2017  $275k
Jan 2018 $356k
Jan 2019 $447k
Jan 2020 $559k (433 liquid + 126 prop)
Jun 2020 $560k (440 liquid + 120 prop)

Jan 2021 $745k ($545k liquid)

[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	$625,356
August	-	-	-	-	$402,486	$479,814	$676,959
September	-	-	-	-	$408,560	$494,165	$660,627
October	-	-	-	-	$383,538	$512,168	$656,592
November	-	-	-	-	$397,907	$537,136	$749,499
December	$97,686	$129,157	$206,179	$317,990	$366,214	$557,416	$784,826

[turketron]

		2015	2016	2017	2018	2019	2020	2021
Jan			141,251.00	$193,414.19	$283,829.36	$359,505.30	$546,089.75	$762,355.51
Feb			$135,573.00	$200,758.63	$304,851.88	$397,087.41	$557,258.06
Mar			$138,331.39	$211,677.78	$303,796.17	$428,309.57	$522,077.78
Apr		$98k	$146,788.37	$217,643.71	$307,682.67	$440,342.71	$451,185.96
May		$111k	$149,149.52	$225,773.04	$315,634.59	$456,285.80	$510,875.92
Jun		$112k	$161,205.21	$232,222.09	$337,046.55	$441,047.77	$551,923.37
Jul		$113k	$165,947.80	$235,779.19	$340,399.63	$476,489.51	$567,485.67
Aug		$113k	$176,198.00	$244,461.55	$363,304.76	$486,559.27	$601,161.19
Sept		$116k	$178,840.37	$247,101.69	$385,572.12	$483,967.28	$653,037.25
Oct			$184,372.64	$256,365.91	$392,296.56	$490,200.54	$639,398.62
Nov		$120,330.91	$181,625.28	$266,140.14	$370,000.25	$501,003.17	$637,260.06
Dec		$138,810.56	$187,972.57	$279,806.93	$386,361.40	$531,904.82	$723,586.82

Holy shit, this has been a good year for me, despite being a dumpster fire of a year overall. If I include my wife's NW (~360k) - we're millionaires, apparently? Goddamn. For the sake of consistency though I'll be sticking around in this thread until only my NW is at $1M.

(I only track my retirement and not my wife's- we both have separate tracking spreadsheets that we maintained separately from before we were married, and although we do have joint finances we still track individually, frankly because we haven't had a compelling reason to re-do our spreadsheets to combine them.)

GOALS FOR 2021 -

• We have our first kid due in July, so not really sure how that's going to affect finances. My wife and I have committed to only buying secondhand for anything we buy for the kid's arrival, both for financial and environmental reasons.
• If feasible (see above), invest more in my Mega Backdoor Roth- this year I maxed out my traditional 401k and contributed about $7500 into the MBR, I'd like to see if I can hit $10k contributed for 2021
• We downsized to 1 car mid-pandemic as we're both WFH. I'd like to keep the status quo post-COVID and not have to buy another car, which means more biking/public transportation this year!

[UnleashHell]

Nov-17 - 300k

May-18  - 375k
July -18 - 400k
Dec-18 - 345K

Mar-19 - 415K
Jun-19 nw 444K - liquid -514K
Sep-19 nw 450K liquid 527K
dec-19 nw  490k liquid 575k 

Jan-20 nw  483 liquid 563
feb-20 nw 440 liquid 520
mar-20 nw 374 liquid 455
apr-20 nw 435 liquid 513
may-20 nw 460 liquid 535
Jun-20 nw 468 liquid 541
Jul-20  nw 502 Liquid 572
Aug-20 nw 627 liquid 600
Sep-20 nw 612 liquid 573
Oct-20 nw 620 liquid 576
Nov-20 nw 702 liquid 650
Dec-20 nw  737 liquid 679


Not too shabby - net up 247 and liquid up 104 for the year.

[Jack0Life]

$991,000- Posted on March 12 right before the huge crash. Didn't think we would ever get to $1 mil due to being furloughed.
$1,007,000- Posted on May 26th. First time we realized we passed $1 mil. Got lucky because I reallocated most of our investments to bonds and started moving the funds back to Index slowly.
$1,050,000- As of Aug 11th. Thank God we have about 80% of our investments back in Index during this run up. Who knew with our economy in shamble that the SP is almost back to its high.

We have roughly about $325k our of $395k back in Indexes. That's 82%.
We have another $65k of cash that I would love to go toward Indexes but the market is a bit scary right now.
LOL, I'm still https://forum.mrmoneymustache.com/Themes/default/images/bbc/ftp.giffurloughed and collecting UE. What a great year this could have been with my wife making $50k and myself $120k.
Can't complain. Enjoying the extended layoff.

I found an older 3/28 spreadsheet that showed more exact numbers.
Its been a crazy 5 months. I don't think 1 single person would have guessed that in AUG 2020 the SP500 would pass its previous high already
I'm not gonna lie. I had a lot of my investments on the sideline and were slowing moving them back. I had a bunch of cash too that I would have dumped into Index but I didn't think the SP would regain all its losses that quickly.
Also had to spend $8K fixing the roof and various stuff on the rental.
Can't complain though. Been furloughed from a $120k job since 3/19.

                  8/27           3/28
                  -----           ------
Rental       210000   210000
Primary     141000   135000     Primary value has gone up $10k-$15k but the increase is from principle paid.
Assets        45000    45000
HSA           18512    16275
IRA-roth     97742    76946
IRA           55401     43996
Inx funds   91614     79833
401k         20734     18300
Wife 401k  21024     12000
Wife HSA   5300       4170   
Wifes IRA   63736    55046
Loan         182187    183667
Cash         109340   98016
Gold          6000      6000
      
Net Worth   1067596   984249

Still hanging tough at $ 1,060,144.
This thread is my record keeping. LOL.

Sorry I keep quoting myself for record keeping and have no desire to hit $2 millions.
A great day in the market and we surpassed $1,100,000. Still a big shocked as I haven't worked since March.
Our investments are basically $400K in Vanguard and 2 paid-off houses we're getting income from.
We've hit a mark where we are comfortable with so I started hedging our investments.
I pulled $50k out of the $400k today and will pull another $50k if the market goes up again tomorrow.
Basically, if the market keeps going up, we still have $300k and if it drops enough, we have plenty of money to dump back into the market.

                 10/24         
                  -----         
Rental       210000   
Primary     145000
Assets        45000   
HSA           20401   
IRA-roth     102011    
IRA           52480     
Inx funds   96946     
401k         21681    
Wife 401k  22708    
Wife HSA   5821        
Wifes IRA   68856    
Loan         181288- Other house equity.   
Cash         126339- $33k sits in Etrade but no stocks so just CASH.   
Gold          6000

$1,103,531- Net Worth.
$958,531- Without primary home.

Updating myself for 12/31/2020. Starting 2021 officially unemployed.
What an insane 2020. Biggest jump ever in any year considering I got laid-off. Took advantage when the market was down.
Investments went up around $110k and NW went up around $175k.
In process of refinancing the primary house with a cash-out, If successful I guess the cash will put my investments over $1 million. Won't have anymore excuses to stay in this thread ??

            Dec 31st 2020        
                  -----         
Rental       210000- Paid off. getting only $10k of net income per year.   
Primary     145000- Valued this house at $365k. Exact house just sold in Nov for $387k.
Assets        45000   
HSA           22603   
IRA-roth     106498   
IRA           54487   
Inx funds   1200537. Transferred in $20k in Nov.     
401k         22441    
Wife 401k  25248    
Wife HSA   7775    
Wifes IRA   70516    
Loan         180987- Other house equity. Loan being paid back @3.5%.
Cash         107824- $33k sits in Etrade but no stocks so just CASH.   
Gold          6000

$1,125,916- Net Worth.
$979,916- Without primary home.

[Dave1442397]

Moving along...I hope 2021 is another good year!

12/31/16 - $452k
12/31/17 - $574k
12/31/18 - $600k
12/31/19 - $758k
12/31/20 - $912k

[JLee]

Hi everyone! I was in the 250-500k thread from Oct 2017 to Dec 2020 -- hopefully I can graduate this one in the same timeframe!

2020

Code: [Select]

Date             Assets           Debts          Net Worth
Dec 2020 $927,329.91 -$418,8651.23 $508,468.58

[3Mer]

Month End Update

Liquid assets / Net worth

Jan 2018  $415.5K / $508K
Jun 2018  $518.8K / $578.4K
Jul  2018  $528.3K / $588.2K
Aug 2018  $543K  / $603.2K
Sep 2018  $548K / $608.6K
Oct 2018   $492.6K / $569.5K
Nov 2018  $502K / $585.3K
Dec 2018  $476.8K / $554K
Jan 2019   $509.1K / $587K
Feb 2019   $534.2K / $612.6K
Mar 2019   $549K  / $627.8K
Apr 2019   $561.1K / $640.1K
May 2019  $533.5K / $612.9K
June 2019  $566K / $646K
July 2019   $569K / $649K
Aug 2019   $558.4K / $638.8K
Sept 2019  $569.6K / $650.3K
Oct 2019    $583.5K / $664.5K
Nov 2019   $602.3K / $683.7K
Dec 2019   $621.3K / $703.1K
June 2020  $641.8K / $722.8K
July 2020   $674.1K / $755.9K
Aug 2020   $715.5K / $798.1K
Sep 2020   $704K / $787.3K
Oct 2020   $698.3K / $782.2K
Nov 2020   $770.4K / $854.9K
Dec 2020   $804.3K / $889.2K

Nice to see LNW > $800K @ 2020 Year End.  All in all, a great year!

[NaN]

@turketron Did you just make $86k from Nov to Dec? What happened?

[hudsoncat]

	2018	2019	2020	2021
January	$222,019	$261,809	$403,264	$550,326
February	$236,831	$286,584	$414,417	-
March	$234,104	$303,681	$388,201	-
April	$234,452	$314,939	$355,475	-
May	$241,470	$331,080	$398,672	-
June	$249,398	$320,926	$417,280	-
July	$253,884	$342,700	$424,818	-
August	$264,666	$354,784	$456,512	-
September	$276,905	$351,842	$491,411	-
October	$285,986	$360,853	$482,214	-
November	$267,359	$374,706	$475,471	-
December	$281,461	$391,293	$531,137	-

Nice way to end 2020/start 2021.

[turketron]

@turketron Did you just make $86k from Nov to Dec? What happened?

Hmm looking at my account balance history, it was a combination of:

• A dip in VTSAX right around Nov 1, and I report on the first of each month
• I had a round of ESPP shares in my company stock that vested in mid-November, which was about $15k by itself
• Thanks to a good earnings call, about a 30% increase in said company stock from Nov 1 through December 1

[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
01/07/20 £669225
01/08/20 £685094
01/09/20 £703184
01/10/20 £718448
01/11/20 £726615
01/12/20 £746008
01/01/21 £788172

An incredible year in so many ways, in March if you asked me would we be £130k+ up I would have said not a chance.  December being our biggest gain in our lives at £42k in a single month.  I am LOLing just typing that!!!  42 grand in a month?!!? 

Interestingly also puts us clear of $1M USD... just for the giggles.  But alas I dont live in the USA!  So another 200 odd thousand to go!

Our estimated FIRE date is still late 2022.  Head down now and I finally feel like we are on the home stretch.  It would not shock me if things slowed down now, IME if you get a big rise in the markets you sometimes see a bit of deflation for a few months - lets see. 

[jlcnuke]

Hello all! I'm coming to join ya'll here on this journey, having recently crossed the threshold. As my current FI number is a bit less than the goal, I may not graduate from here, but maybe I'll end up with a OMY or two and end up finishing off this race as well.

Starting at:
1 January 2021 - $502,810

[Sid Hoffman]

Dec 31 of:
Year   Total Worth
2012:   $170,820
2013:   $296,894
2014:   $335,473
2015:   $337,513
2016:   $428,895
2017:   $309,063
2018:   $370,660
2019:   $608,414
2020:   $834,942

So I do the "total worth" a little different from many, but I know it's the same used by some people. I do not count my house as an asset, but I do count the mortgage as a liability, so the big drop in 2017 was because I bought a house, for example. With any luck, 2021 is the year I pay off my house as well as push over $900k, then with any continued luck and, well, basically no need for stock market gains in 2022 at all I should hit $1M late in 2022.

We'll see, of course, since there's also every possibility that the inflation we're hearing about won't happen but massive economic problems and market devaluation could certainly happen. At least at this time though it's been quite a rocketship ride the last couple years. I'm thankful for this community and seeing so many people of varying income levels making progress. At times having nothing but some numbers in a spreadsheet and dreams of the future are hard to really understand but then I see the people in this thread who've "graduated" past their $1M goal and it's a reminder that progress is still progress and I'll get there some day.

My end goal is something like $1.25 - $1.5M depending on how old I am when reaching that goal (I'm already in my mid 40s) so for example if it takes until I'm 52 to reach $1.25M then that's probably plenty good enough, whereas if I magically hit $1.5M at 48 then that too is plenty. I just don't think we're going to have another doubling of the stock market in the next few years, ha.

[Mrs. Sloth]

LNW:

08/13/2020 $700,373
09/01/2020 $726,934
10/01/2020 $755,557 (windfall is the reason for the gain)
11/01/2020 $749,499
12/01/2020 $830,172
01/01/2021 $870,983

2020 Investment highlights:
1. Sold and invested $ received from sale of home
2. Small windfall
3. Invested a small amount in TSLA

Lastly, congrats to all who graduated from this race in 2020!

[use2betrix]

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 (crossed $250k)

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 (Crossed $500k)

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
July 1, 2020 - $600,510
Aug 1, 2020 - $659,872
Sep 1, 2020 - $704,682
Oct 1, 2020 - $696,932
Nov 1, 2020 - $694,944
Dec 1, 2020 - $782,831
Jan 1, 2021 - $823,189

Good month of growth, largely thanks to the stock market and also because it was a 3 paycheck month instead of the standard 2 paychecks. Overall, my income was fantastic in 2020, but my spending was absolutely wretched. Couple new vehicles, and just a lot of other “stuff.” Spending in 2021 should be a lot better, and overall my growth for 2020 was still great.

I had 3 interviews and a job offer a week and a half ago. We’re currently working negotiations which have been a bit slow due to the holidays. I have a great job that I love with coworkers that are the best ever, but I’m a contractor with a project looking to end in August and unless the company picks up any more big projects between then, I’ll be laid off. This new project i’d come on as a contractor for a 2 year project, but would be replacing the manager of the division who is retiring after 30 years. It would likely eventually turn into a full time gig. We’ll see what happens. Likely a small pay/benefit reduction but with a longer job duration.

[Finntastic]

November 2020: $864,270   
December 2020: $956,268

Hoping next month to get back to the M club.

[Trifle]

Hello all! I'm coming to join ya'll here on this journey, having recently crossed the threshold. As my current FI number is a bit less than the goal, I may not graduate from here, but maybe I'll end up with a OMY or two and end up finishing off this race as well.

Starting at:
1 January 2021 - $502,810

Welcome @jlcnuke!  You never know, you may end up graduating even if you RE.  I never expected to graduate either (I pulled the plug when we hit our $750k FI number), but the stash has grown and it looks like it might cross the $1m mark, which is really cool.   

[skcook]

We made it! Technically a few weeks ago. I assume it will be at least some time until we are solidly in 7 figures, but it feels good...

It's been awhile and times have been strange but we keep chugging along, with a steady upward trajectory:

Aug 2020 - $915k
Sep 2019 - $780k
Sep 2018 - $656k
Sep 2017 - $538k
Sep 2016 - $330k

December's number is $820k! Still think we're looking at 2021 but the last few months have been productive.

A year has passed and we move slowly upward (other than this month, anyway, we bought a van):

Oct 2019 - $770k
Sep 2019 - $780k
Jul 2019 - $766k
Apr 2019 - $739k
Oct 2018 - $666k
Sep 2018 - $656k
July 2018 - $651k
June 2018 - $634k
May 2018 - $624k
Apr 2018 - $612k
Mar 2018 - $599k
Feb 2018 - $590k
Jan 2018 - $580k
Dec 2017 - $569k
Nov 2017 - $561k
Oct 2017 - $546k
Sep 2017 - $538k
Aug 2017 - $497k
July 2017 - $483k
Jun 2017 - $479k
May 2017 - $454k
Apr 2017 - $448k
Mar 2017 - $435k
Feb 2017 - $433k
Jan 2017 - $410k
Oct 2016 - $370k
Sep 2016 - $330k

Hoping to get to a mill by 2021!

[fuzzy math]

Gained $200k, or 50% in a year's time! WOOT!!! Hoping for $250k this year


Investments only

	2018	2019	2020	2021	2022
January	-	$226,942	$401,746	$603,129	-
February	-	$249,796	$414,430	-	-
March	-	$270,351	$412,631	-	-
April	-	$285,770	$393,815		-
May	-	$295,838	$414,524	-	-
June	$219,320	$283,393	$452,579	-	-
July	$228,483	$307,071	$471,455	-	-
August	$234,711	$315,942	$496,982	-	-
September	$245,993	$318,301	$529,603	-	-
October	$251,023	$334,301	$525,945	-	-
November	$238,881	$352,430	$528,082	-	-
December	$244,687	$370,715	$585,310	-	-

[ender]

2020 was kinda a stupidly good year.

At our current rates we'll graduate here in a bit over two years :o

[bigote2032]

Happy new year everyone!! Wao, that was a good month, gains of $202K for the year, incredible considering all the crap that happened this past year!!! Let's keep collecting dollars and putting them to work people!!!!

11/30/2017    $228,503.37
12/31/2017    $237,592.34
1/31/2018    $254,582.33
2/28/2018    $257,732.67
3/31/2018    $265,481.54
4/30/2018    $269,342.61
5/31/2018    $277,950.05
6/30/2018    $285,254.10
7/31/2018    $299,199.64
8/31/2018    $319,335.25
9/30/2018    $347,418.14
10/31/2018    $332,242.01
11/30/2018    $348,536.76
12/31/2018    $325,602.90
1/31/2019    $350,696.67
2/28/2019    $369,513.27
3/31/2019    $379,192.30
4/30/2019    $399,481.40
5/31/2019    $384,294.80
6/30/2019    $408,707.83
7/31/2019    $426,022.76
8/31/2019    $422,250.44
9/30/2019    $460,845.28
10/31/2019    $476,501.03
11/30/2019    $500,079.13
12/31/2019    $517,464.57
1/31/2020    $511,758.52
2/29/2020    $479,104.60
3/31/2020    $419,924.65
4/30/2020    $468,399.74
5/31/2020    $511,017.91
6/30/2020    $533,979.03
7/31/2020    $560,452.66
8/31/2020    $614,878.39
9/30/2020    $600,660.94
10/31/2020    $599,359.11
11/30/2020    $682,864.07
12/31/2020    $720,288.84

[tarheeldan]

Hi All!

Just graduated from the 250-500k thread, having hit $526,501.25 after a crazy 19.9% jump in December!

[Ladychips]

Hi All!

Just graduated from the 250-500k thread, having hit $526,501.25 after a crazy 19.9% jump in December!

Welcome @tarheeldan !  You'll like it here

[Icecreamarsenal]

To flesh out:
1/1/20: 491k
2/1/20: 525k
3/1/20: 538k
4/1/20: 477k
5/1/20: 444k
6/4/20: 595k
7/1/20: 596k
8/1/20: 639k
9/1/20: 655k
10/1/20: 692k
11/1/20: 687k
12/1/20: 793k
12/31/20: 813k

[SAfAmBrit]

July 2016 - $257,306
August 2016 - $264,625
September 2016 - $270,695
October 2016 - $283528
November 2016 - $291396
December 2016 - $295603
January 2017 - $303,195
March 2017 - $333,323
April 2017 - $340,884
May 2017 - $346,568
June 2017 - $357,230
July 2017 - $365,912
August 2017 - $370,689
September 2017 - $380,412
October 2017 - $390,025
November 2017 - $400,070
December 2017 - $404,188
January 2018 - $419426
February 2018 - $423744
May 2019 - $623013
August 2019 - $681260
November 2020 - $856576
December 2020 - $887822

Nice market uptake - good bonus and dividends. $112288 to go - going have to push to get it to the mil by end of 2021

Technically I have made it as the share given me 3 years ago pumped from a strike price of 12 to 170 but I am not counting it in - they will be my FIRE bonus!

Happy new Year

[Jadzia37000]

November 11, 2020:  $527,000
December 11, 2020:  $607,796 (501,797 euros). This month's total is more accurate than last month's, because I actually did the euro conversions and the math with a calculator instead of just spitballing it.  I STILL don't have an answer from the government about how much taxes they want for 2019, but I don't think it's going to bust my butt back down under 500K DOLLARS.

Thanks to a previous mathematical error on my part, a good stock market (for now), the resolution of my tax situation, and clients paying before year-end, I've rocketed past 500K in both euros and dollars, so drum roll please:

January 4, 2020:  564,565 in euros/692,608 in dollars.

The dollar is just limping along and I'm keeping my fingers crossed for some improvement in 2021 but am not optimistic on that front.  Next stop 750K in dollars because that'll mean I'm halfway through this stage.  Will have to have a good year for that to happen.

[afuera]

Much better year for the markets then I originally expected.  Will be dropping down to once income in 2021 so progress will slow but hopefully the markets will continue to do the heavy lifting.

	2015	2016	2017	2018	2019	2020	2021
January	$12,964	$53,694	$117,156	$286,460	$366,568	$554,279	-
February	$14,893	$57,320	$130,755	$284,267	$388,104	$530,928	-
March	$22,065	$71,035	$150,924	$291,192	$415,305	$575,079	-
April	$24,785	$75,120	$161,757	$306,848	$429,917	$529,397	-
May	$26,931	$87,541	$171,174	$317,739	$416,867	$573,991	-
June	$29,021	$90,964	$191,558	$321,370	$458,412	$607,523	-
July	$31,341	$93,025	$210,018	$339,122	$459,062	$630,288	-
August	$34,251	$95,245	$220,293	$353,410	$466,936	$686,631	-
September	$39,854	$97,814	$231,801	$361,506	$481,531	$669,786	-
October	$42,018	$98,335	$242,954	$336,674	$499,757	$663,596	-
November	$45,987	$100,344	$256,324	$356,143	$528,712	$743,883	-
December	$49,877	$106,390	$265,731	$332,761	$548,679	$779,415	-

[Imustacheyouaquestion]

	2020	2021	2022
January	-	$584,000	-
February	-	-	-
March	-	-	-
April	-	-	-
May	-	-	-
June	-	-	-
July	-	-	-
August	-	-	-
September	$517,937.94	-	-
October	$511,000.00	-	-
November	$514,001.00	-	-
December	567,000.00	-	-

Looking forward to 2021!

[Mazzinator]

Hello!!! Super happy to join you guys!!!

Investments only.

Dec 20 - $501

Jan 21 - $510

[Chairman]

Not sure when/if I'll get to 1m; may semi-FIRE before then.

If the market were to stay flat, would probably hit 1m investible around 6 months from now.

Not declaring victory yet though until I have 1m investible and no debt to the bank.

Net worth is clearly north of $1m now, and we even have more than $1m invested/investible, but still not debt free

So, net worth hits $1.5m for the first time.

Net worth drops back down to where it was 6 months ago.

Down 9.3% from peak

Liquidity down, home equity up, debt down, savings rate 0% so totally reliant on market returns to get back above 1m in investible/invested assets.

So at this point my savings rate is still stuck at 0%, house will soon be paid off, and still reliant on market returns.

Saved $0 since last update; all increases are from market returns.

Just like last year, no new savings; market returns only + some tailwind from exchange rate changes. So we're over 1M liquid now, which means we can graduate from this thread, I think. If the markets crash, we'll be back.

• 2021: 1059k liquid + 556K home equity: total 1,615k (debt: 0k)
• 2020: 918k liquid + 478k home equity: total 1,396k (debt: 30k)
• Q2 2019: 860k liquid + 466k home equity: total 1,326k (debt: 40k)
• Q1 2019: 877k liquid + 440k home equity: total 1,317k (debt: 46k)
• Q4 2018: 990k liquid + 389k home equity: total 1,379k (debt: 104k)
• Q3 2018: 1,096k liquid + 384k home equity: total 1,480k (debt: 115k)
• Q2 2018: 1,108k liquid + 392k home equity: total 1,500k (debt: 131k)
• Q1 2018: 1,075k liquid + 409k home equity: total 1,484k (debt: 141k)
• Q4 2017: 1,005k liquid + 332k home equity: total 1,337k (debt: 189k)
• Q3 2017: 894k liquid + 313k home equity: total 1,207k (debt: approx 193k)
• Q2 2017: 720k liquid + 250k home equity: total 970k (debt: approx 228k)

[ArtOfFIRE]

I'm so excited to start the new year by joining this thread! I'm 38 and hope to FIRE with $875k by my 45th birthday, then hopefully continue to grow the stash and graduate. :-)

Starting 1/4/2021: $504,211 invested

[Trifle]

I'm so excited to start the new year by joining this thread! I'm 38 and hope to FIRE with $875k by my 45th birthday, then hopefully continue to grow the stash and graduate. :-)

Starting 1/4/2021: $504,211 invested

Welcome aboard @ArtOfFIRE!

[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).

Aug 1 20: $789.1k

Dec 1 20: $969.9k

Jan 1 21: $996k

4k to go! I have a stock grant that vests in March that's worth approximately $20k, but I refuse to count that until it actually vests :)

 I started at $181k 5 years ago. Crazy how far you can come when you actually focus on something.

I was kind of curious about our lifetime earnings compared to our NW. I got my first full time job in the fall of 2012, before that I was interning and going to grad school earning basically enough to pay the bills. My wife was working at a grocery store during the time I was in grad school. Part time from about 2005 until 2009 and then full time from 2009 until 2011. Her top pay was her last year and it was about $32k. So for all intents and purposes we weren't saving anything until 2012 when I got my first full time job and she got a job at similar pay of about $35k/yr. If you factor in our lifetime earnings between the two of us it's approximately $1.7 million. But if you ignore all the earnings before 2012 when we were just making enough to live (and frankly a large proportion of those earnings were from when we were in HS and College working part time jobs). We've earned $1.5 million from 2012 through 2020 and our NW is approximately $1.24 million. That really shows me the power of saving and investing.

[tips^up]

Farewell 500 to 1M thread.  I must be moving along now.  It's a well-traveled path, easy to follow, I'll see you on ahead!

01/1/2019 $194k LNW / $744k TNW
12/1/2019 $287k LNW / $822k TNW
12/1/2020 $499k LNW / $1,145k TNW
01/1/2021 $532k LNW / $1,232k TNW

Feels weird to move along until the liquid value goes to 7, so here's year end update.

[Lucky Recardito]

Net worth progress (includes home equity; does not include roughly $30k in cash)

10/1/18 $502K

01/1/19 $480K - this was all market drop; no change to savings behavior
04/1/19 $546K
07/1/19 $579K
10/1/19 $586K - pulled a chunk out of our HSA to pay for childbirth costs incurred earlier in the year; also started daycare; husband took 2 months unpaid paternity leave... savings rate currently in the toilet

1/1/20 $650K
4/1/20 $678K
7/1/20 $689K

Anticipated graduation for net worth: mid-2022 (holy heck -- that's a whole year shaved off from my last update. Making faster progress than anticipated.)

Also just graduated from the $250k-$500k thread, where I was watching investments-only. So here's the start of investments-only, without home equity and without cash on hand:

8/1/20 $508K

Anticipated graduation: January 2024

Back for an update after closing out 2020!

Net worth progress (includes home equity; does not include roughly $40k in cash; does not include 529s for 2 kids)

10/1/18 $502K

01/1/19 $480K
04/1/19 $546K
07/1/19 $579K
10/1/19 $586K

1/1/20 $650K
4/1/20 $678K
7/1/20 $689K
10/1/20 $751K

1/1/21 $880K -- Modest inheritance combined with a bonkers stock market = a truly outrageous Q4

Anticipated graduation for net worth: January 2022 mid-2022 (holy heck -- huge market returns in 2020 have this milestone really, really close...)

Investments-only progress (excludes home equity, cash, and 529s)

8/1/20 $508K
10/1/20 $537K

1/1/21 $663K

Anticipated graduation for invested assets: January 2024

[FIreSurfer]

Jumping back into the race for the new year and some new enthusiasm and camaraderie!!

05/01/2017:  $198,456
05/15/2017:  $200,404   
05/31/2017:  $207,044
06/15/2017:  $213,996
07/05/2017:  $219,933
07/17/2017:  $225,853
08/01/2017:  $228,504
08/24/2017:  $228,854
09/01/2017:  $237,500
09/19/2017:  $245,500
10/02/2017:  $251,933
11/07/2017:  $266,000
12/27/2017:  $280,000
01/12/2018:  $300,768
01/23/2018:  $305,566
11/27/2018:  $359,000
03/01/2019:  $400,283 *baby born, kinda lost track of everything.....
08/15/2020:  $612,831
01/01/2021:  $689,500

[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
July 5 2020: $650,510
Aug 5 2020: $685,038
Sept 5 2020: $704,156
Oct 5 2020: $706,274
Nov 5 2020: $733,378
Dec 5 2020: $812,902

Jan 5 2020: $829,260 ($16,358)

[charis]

NW:
April 2017: 175k
April 2018: 333k
April 2019: 400k
February 2020: 515k
August 2020: 602k (415k invested/$50k cash)
December 2020: 669k (478k invested)
January 2020: 690k (507k invested)

Barely into January and the run up in the market this week finally pushed us past a half million invested (NW 690k)!  I know it could fall back right away, but I can't believe our NW is up almost 100k in 6 months.  Goal for 2021 is 80k in tax advantage accounts and to open a taxable investment account for the first time.

[ItsALongStory]

Similar to others on this thread, November was an exceptional month for us gaining just over $46k. We pulled the plug (temporarily) in mid September and have been staying with family and currently in the Algarve for the past 2 and a half months. Our NW in that timeframe has basically gone up $50k despite purchasing a $15k car in cash. I'm by no means extrapolating this for the future but am happy things have kicked off nicely.

Bring on December!

Bit late with the update but December was still solid, we ended the month at around $702k for another big milestone. 2020 was bonkers as far as year over year gains, partly due to selling it all and throwing it into the market in late July so it's not really 100% fair to compare.

Ever since moving to Europe and living in rented accommodations we have been able to stick to our generous budget and feel good about where the numbers will go in 2021. I might move to quarterly updates as the lack of contributions will this a very slow process.

[Enough]

26 months for 100-250k. Last post in 100-250k here: http://forum.mrmoneymustache.com/throw-down-the-gauntlet/race-from-100-to-250k/msg1440605/#msg1440605

28 months for 250k-500k. Last post in 250k-500k here: https://forum.mrmoneymustache.com/throw-down-the-gauntlet/race-from-250-to-500k!/msg2457040/#msg2457040

May-19   $482,166.97
Jun-19   $506,489.11
Jul-19   $516,572.20
Aug-19      $520,552.46
Sep-19   $524,681.62
Oct-19    $547,979.00
Nov-19    $564,839.00
Dec-19    $592,397.00 (EST. as of 21st)
Dec-19    $600,838.00
Jan-20    $616,541.00
Feb-20    $635,416.00
Mar-20    $594,318.00
Apr-20    $636,358.00
May-20    $656,539.00
Jun-20    $672,803.00
Jul-20     $691,579.00
Aug-20    $722,451.00
Sep-20    $727,184.00
Oct-20    $716,294.00
Nov-20    $770,869.00 
Dec-20    $787,587.00 

That stock market tho

[drumstache]

      INVESTMENTS         INVESTS + CASH         TOTAL
05/20/16   INV-   $218,514      INV+CASH-   $328,980      NW-   $478,980
07/17/17   INV-   $306,386      INV+CASH-   $417,772      NW-   $567,772
03/14/18   INV-   $380,160      INV+CASH-   $467,160      NW-   $617,160
08/08/18   INV-   $423,708      INV+CASH-   $491,708      NW-   $641,708
02/18/19   INV-   $446,121      INV+CASH-   $585,121      NW-   $755,121
03/22/19   INV-   $481,093      INV+CASH-   $592,941      NW-   $762,941
04/18/19   INV-   $506,875      INV+CASH-   $595,875      NW-   $765,875
07/18/19   INV-   $540,071      INV+CASH-   $617,447      NW-   $787,447
01/01/20   INV-   $586,172      INV+CASH-   $667,785      NW-   $837,785
01/24/20   INV-   $610,000      INV+CASH-   $691,000      NW-   $861,000
07/21/20   INV-   $647,000      INV+CASH-   $727,000      NW-   $912,000
10/21/20   INV-   $681,430      INV+CASH-   $765,430      NW-   $950,430
12/04/20   INV-   $724,740      INV+CASH-   $814,072      NW-   $994,072
01/10/21   INV-   $756,650      INV+CASH-   $842,650      

[Wintergreen78]

I was over 900k three years ago when I retired the first time. I just accepted a job offer and I’m starting next week. I may graduate from this thread before I go back to work!

I did my last check-in right after New Years, but I was curious and had to check again. I’m basically within a normal day’s swing of 1M. It will be pretty funny if it bumps over by the end of the week.

So, the top is definitely in and everyone should go all cash before tomorrow.

[caracarn]

	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	$819,352	-
August	$296,700	$313,896	$405,676	$513,111	$606,442	$686,503	$860,605	-
September	$290,244	$301,079	$422,204	$525,158	$610,690	$698,968	$868,597	-
October	$274,986	$308,291	$413,967	$533,760	$585,817	$577,615	$868,808	-
November	$282,762	$308,558	$419,572	$549,074	$595,773	$620,036	$910,235	-
December	$292,942	$312,281	$431,458	$557,941	$575,877	$760,501	$940,128	-

Keep trucking along.  Was a great year for growth.  Owe a bit more on taxes it seems due to wife high self-employment income but a good problem to have, but incoming funds for a while will go to getting ready to pay that in April and leave the net worth then.

[facepalm]

	2017	2018	2019	2020	2021	2022
January	-	318,100	359,000	465,145	-	-
February	-	321,800	370,750	467,380	-	-
March	-	313,540	378,525	418,695	-	-
April	255,900	322,810	391,005	454,145	-	-
May	263,800	328,600	397,260	472,320	-	-
June	268,100	331,860	407,265	485,420	-	-
July	273,100	340,250	413,395	502,730	-	-
August	276,800	341,770	413,070	513,600	-	-
September	284,500	348,465	420,460	511,466	-	-
October	292,100	343,960	429,655	508,153	-	-
November	302,000	347,470	442,315	537,343	-	-
December	309,500	340,950	447,950	553,788	-	-

[Wintergreen78]

Two commas! And I’m un-retiring and starting a new job next week.

This year has had some wild swings. I had a $280k run-up since last April.

[lollylegs]

2018
Jan -  $330,883
July - $372,389
-----------------------
2019
Jan  -  $376,421
July  - $449,818
Aug  - $461,802
Sept  -$471,690
Nov  - $486,235
Dec  - $498,006
------------------
2020
Jan  - $501,901
Feb - $518,123
Mar - $446,241
April -$450,421
May - $465,042
June -$478,201
July - $494,067
Aug - $508,204
Sept- $512,108
Oct -  $509,740
Nov-  $538,580
Dec - $558,594
-----------------
2021
Jan- $574,925

[rebel_quietude]

@lollylegs, @facepalm , welcome welcome to the thread where compound interest takes flight! You guys are crushing it, well done.

@Wintergreen78, and @drumstache pretty soon here, congrats!! Come check out the $1 to $2 mil thread, poke a toe in, the water's fine!

[FIreSurfer]

05/01/2017:  $198,456
05/15/2017:  $200,404   
05/31/2017:  $207,044
06/15/2017:  $213,996
07/05/2017:  $219,933
07/17/2017:  $225,853
08/01/2017:  $228,504
08/24/2017:  $228,854
09/01/2017:  $237,500
09/19/2017:  $245,500
10/02/2017:  $251,933
11/07/2017:  $266,000
12/27/2017:  $280,000
01/12/2018:  $300,768
01/23/2018:  $305,566
11/27/2018:  $359,000
03/01/2019:  $400,283 *baby born, kinda lost track of everything.....
08/15/2020:  $612,831
01/01/2021:  $689,500
01/15/2021:  $705,137