Author Topic: Race from 500k to 1M!  (Read 738972 times)

SpareChange

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Re: Race from 500k to 1M!
« Reply #3100 on: July 01, 2022, 09:37:50 AM »
EOY    Networth (US$)   
2011    -50k           
2012    -41k           
2013    -10k           
2014     33,726       
2015     90,497       
2016     146,590     
2017     224,985
2018     282,015
2019     381,913
2020     495,309
2021     591,399

June update: $537,872, down $25,789.

Saved: $2,221.04
Spent: $1,831.69

Tidbits...
Added approx. $3.65/mon to FRA SS.
Avg 28.04 hrs/wk at work.
Added $510.79 to PTO bank.

Haven't done it yet, but I'm thinking about integrating the cashout value of my PTO into my net worth. It's getting sizeable.

DarkandStormy

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Re: Race from 500k to 1M!
« Reply #3101 on: July 01, 2022, 09:39:52 AM »
Net Worth // Invested Assets
1/1/21 - $500,317 // $346,651
2/1/21 - $513,258 // $355,473
3/1/21 - $531,847 // $366,107
4/1/21 - $548,364 // $380,740
5/1/21 - $568,829 // $408,712
6/1/21 - $569,723 // $408,351
7/1/21 - $612,700 // $431,974
8/1/21 - $625,715 // $412,017 (deposit down on new house)
9/1/21 - $647,140 //  $427,206
10/1/21 - $628,028 // $410,699
11/1/21 - $669,354 // $441,225
12/1/21 - $668,368 // $437,148
1/1/22 - $685,524 // $450,347
2/1/22 - $652,912 // $412,208
3/1/22 - $646,083 // $393,815
4/1/22 - $661,739 // $409,676
5/1/22 - $636,302 // $365,949
6/1/22 - $637,731 // $360,294

7/1/22 - $617,741 // $333,099

"Feels" like a brutal year so far....total NW is only down 9.9% YTD.  Meh.

Finwiz

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Re: Race from 500k to 1M!
« Reply #3102 on: July 01, 2022, 11:11:14 AM »
Continuing to be severely behind our target:

01/01/21 - $400,149
03/31/21 - $458,005 (+$57,856)
06/30/21 - $517,109 (+$116,960)
09/30/21 - $563,939 (+$163,790)
12/31/21 - $603,373 (+$203,224)

01/16/22 - $601,346 (-$2,026)
02/16/22 - $604,637 (+$1,264)
03/02/22 - $623,587 (+$20,215)
04/01/22 - $646,383 (+$43,010)
05/01/22 - $628,346 (+$24,973)
06/01/22 - $637,137 (+$33,764)
07/01/22 - $638,810 (+$35,437)

3Mer

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Re: Race from 500k to 1M!
« Reply #3103 on: July 01, 2022, 12:17:14 PM »
I am back in this race again...

Month End Updates

LNW / TNW

YE 2017   $392.7K / $484.9K
YE 2018   $476.8K / $554K
YE 2019   $621.3K / $703.1K
YE 2020   $804.3K / $889.2K
YE 2021   $964.7K / $1055.9K
Jan 2022  $931.1K / $1023.3K
Feb 2022  $913.1K / $1005.3K
Mar 2022  $943.2K / $1036.4K
Apr 2022  $890.7K / $1034.4K  (updated home value - still using figure significantly less than current actual value)
May 2022 $900.9K / $1044.7K
Jun 2022  $850.7K / $995.4K


Imustacheyouaquestion

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Re: Race from 500k to 1M!
« Reply #3104 on: July 01, 2022, 03:15:54 PM »


Month              2020                2021                2022               
January-$580,000$809,000
February-$584,000$789,000
March-$605,000$780,000
April-$622,000$800,250
May-$650,000$752,000
June-$656,000$753,000
July-$677,000$735,000
August-$682,000-
September$517,937$700,500-
October$511,000$696,000-
November$514,001$803,000-
December$567,000$788,000-



https://docs.google.com/spreadsheets/d/1jLRMTDbemf-JwZA10noQ8RrEf3EzpWC0R58nNypstrM/edit?usp=sharing

oneday

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Re: Race from 500k to 1M!
« Reply #3105 on: July 02, 2022, 09:22:23 AM »
Starting to feel like an imposter in this race! Even total NW is under $500K now. Y'all tell me if I should go back to posting in the $500K thread, OK?

Updating this table this year is a lot less fun than it was last year.

Right there with you...

*This* is a club I belong in.



Investments only

                       2021                2022                2023                2024                2025               
January$326K$491K---
February$345K$487K---
March$362K$509K---
April$383K$474K---
May$385K$481K---
June$395K$447K---
July$451K----
August$467K----
September$447K----
October$480K----
November$494K----
December$515K----

https://docs.google.com/spreadsheets/d/1jLRMTDbemf-JwZA10noQ8RrEf3EzpWC0R58nNypstrM/edit#gid=1302523503


pasadenafr

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Re: Race from 500k to 1M!
« Reply #3106 on: July 02, 2022, 09:59:45 AM »
Invested assets, long term savings and debts:

12/31/14     $51,962.23
12/31/15     $92,762.33
12/31/16    $163,900.00
12/31/17    $251,415.07
12/31/18    $330,093.64
12/31/19    $519,878.70
12/31/20    $714,958.33
12/31/21    $993,847.78    <reached $1M for the first time in November>

---

01/31/22    $947,983.02
02/28/22    $937,210.33
03/31/22    $984,948.06
04/30/22    $907,109.79    <paid off car loan. No more debt.>
05/31/22    $908,208.18
06/30/22    $847,334.44



LOL, that's all I have to say 😶

drumstache

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Re: Race from 500k to 1M!
« Reply #3107 on: July 02, 2022, 12:14:19 PM »
.....
Mar 2022   INV-   $880,071      INV+CASH-   $960,071
Apr 2022   INV-   $891,000      INV+CASH-   $975,000
May 2022   INV-   $815,332      INV+CASH-   $889,332
Jun 2022   INV-   $831,000      INV+CASH-   $896,000
Jul 2022   INV-   $817,000      INV+CASH-   $877,000

During the 2008 mess, I was pretty much oblivious to what was going on.  Had my 401 and IRA contributions automated, didnt really follow financial news.  Had accounts scattered, rarely checked balances, never knew how much I had.  Might be time for me to go on another 'low information diet', lol.  Keep the contributions automatic, in the background, and continue to follow my plan.

« Last Edit: July 02, 2022, 12:16:34 PM by drumstache »

runningthroughFIRE

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Re: Race from 500k to 1M!
« Reply #3108 on: July 02, 2022, 12:40:25 PM »
Starting to feel like an imposter in this race! Even total NW is under $500K now. Y'all tell me if I should go back to posting in the $500K thread, OK?

[snip]

https://docs.google.com/spreadsheets/d/1jLRMTDbemf-JwZA10noQ8RrEf3EzpWC0R58nNypstrM/edit#gid=1302523503

Oh I'm right there with ya.  Bumped up into this thread at the end of December and I've been below $500K ever since lol.

Down to $418K this month

oneday

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Re: Race from 500k to 1M!
« Reply #3109 on: July 02, 2022, 10:06:15 PM »
Starting to feel like an imposter in this race! Even total NW is under $500K now. Y'all tell me if I should go back to posting in the $500K thread, OK?

[snip]

https://docs.google.com/spreadsheets/d/1jLRMTDbemf-JwZA10noQ8RrEf3EzpWC0R58nNypstrM/edit#gid=1302523503

Oh I'm right there with ya.  Bumped up into this thread at the end of December and I've been below $500K ever since lol.

Down to $418K this month

Ouch!

It is only in my heart that I am still a half-millionaire.

fuzzy math

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Re: Race from 500k to 1M!
« Reply #3110 on: July 02, 2022, 11:44:33 PM »
Almost back to July 2021 levels.


Investments only

                       2018                2019                2020                2021                2022               
January-$226,942$401,746$603,129$905,792
February-$249,796$414,430$610,412$867,164
March-$270,351$412,631$630,438$856,028
April-$285,770$393,815$679,078$900,389
May-$295,838$414,524$719,534$837,895
June$219,320$283,393$452,579$737,483$849,385
July$228,483$307,071$471,455$771,570$798,307
August$234,711$315,942$496,982$784,835-
September$245,993$318,301$529,603$815,664-
October$251,023$334,301$525,945$795,014-
November$238,881$352,430$528,082$851,714-
December$244,687$370,715$585,310$880,980-


Naomi

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Re: Race from 500k to 1M!
« Reply #3111 on: July 03, 2022, 03:08:48 AM »

investments and savings only
                       2022               
January$493,222
February$475,534
March$466,381
April$660,742
May$631,740
June$620,900
July$540, 900
August
September
October
November
December
* We bought a house (our 2nd this year) that needs a lot of work/$$$. I'm not sure how much longer I'll be able to stay in this thread. Sort of felt like I was cheating anyway by jumping to this thread only bc we sold a house a few months ago and made a lot of $.

nick663

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Re: Race from 500k to 1M!
« Reply #3112 on: July 03, 2022, 01:42:33 PM »
June 2017:  198.7k
September 2017:  222.1k
December 2017:  242.4k

March 2018:  263.3k
June 2018:  290.4k
September 2018:  313.7k
December 2018:  296.8k

March 2019:  346.3k
June 2019:  372.4k
September 2019: 390.4k
December 2019:  428.6k

March 2020:  371.1k
June 2020:  456.2k
September 2020:  505.5k
December 2020:  590.1k

March 2021:  644.3k
June 2021:  701.1k
September 2021:  725.9k
December 2021:  788.5k

March 2022:  782.2k
June 2022:  673.5k

Regretting tracking without our house right now as our home value was up 21k this quarter haha.  Oh well, it's just numbers on a spreadsheet.

Radagast

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Re: Race from 500k to 1M!
« Reply #3113 on: July 04, 2022, 08:47:42 AM »
Quarter StockBondCash  +Houses
Q4 2016:  $112,200     $165,800
Q1 2017:  $124,300     $178,500
Q2 2017:  $148,300     $203,300
Q3 2017:  $160,548     $217,018
Q4 2017:  $178,042     $235,102
Q1 2018:  $203,082     $260,736
Q2 2018:  $213,941     $272,491
Q3 2018:  $223,802     $283,554
Q4 2018:  $235,666     $296,330
Q1 2019:  $229,947     $291,293
Q2 2019:  $284,421     $346,689
Q3 2019:  $315,573     $378,769
Q4 2019:  $350,244     $414,376
Q1 2020:  $408,250     $473,325
Q2 2020:  $362,044     $428,120
Q3 2020:  $457,379     $524,413
Q4 2020:  $383,076     $555,858
Q1 2021:  $478,879     $656,382
Q2 2021:  $522,651     $704,873
Q3 2021:  $575,207     $761,357
Q4 2021:  $722,632     $916,172
Q1 2022:  $785,909     $979,449
Q2 2022:  $793,344     $1,133,824
Q3 2022:  $701,136     $1,038,040

Biggest quarterly loss to date, in both absolute and percentage terms! And I'm not even excited about the great buying opportunity, because things aren't even cheap yet.



lampstache

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Re: Race from 500k to 1M!
« Reply #3114 on: July 05, 2022, 08:45:10 AM »
OOOOFFF. Not as fun going down. Future us will be thankful we've continued adding during this downturn. Lets see if we cling on to staying in this race!

Investments only

                       2017                2018                2019                2020                2021                2022               
January$34,633$56,928,$98,248$176,153$419,499$643,917
February$40,740$56,241$115,926$182,362$433,878$631,440
March???$57,195$123,445$171,868$481,671$612,570
April$41,346$57,635$129,678$188,425$503,015$628,685
May$41,840$66,682$136,527$255,004$536,515$583,864
June$45,227$71,500$132,945$279,130$570,802$566,514
July$45,862$75,817$142,557$290,173$570,802$546,704
August$47,377$85,050$150,420$310,173$568,446-
September$47,669$87,937$146,310$336,875$596,208-
October$50,397$94,114$150,536$338,532$590,085-
November$52,288$95,502$155,627$332,899$625,776-
December???$93,596$165,458$396,311$611,435-

talltexan

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Re: Race from 500k to 1M!
« Reply #3115 on: July 05, 2022, 08:49:58 AM »
I'm seeing some posts acknowledging crypto- losses as dragging down total wealth. I've probably lost about $3,000 because of the crypto- pullback.

the_hobbitish

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Re: Race from 500k to 1M!
« Reply #3116 on: July 05, 2022, 09:09:25 AM »
@oneday LOL that's a great way to put it. I am also back below the line. I continue to pile money in and won't track closely until the market turns around. Then it will be a fun surprise to see how much buying now will add on the eventual upswing.

Dr Kidstache

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Re: Race from 500k to 1M!
« Reply #3117 on: July 05, 2022, 02:05:31 PM »
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 2021: $829,260
Feb 5 2021: $865,479
Mar 5 2021: $862,635
Apr 5 2021: $902,462
Jun 6 2021: $954,561
Jul 5 2021: $958,034
Aug 5 2021: $968,721
Sept 5 2021: $1,002,515   
Oct 6 2021: $971,883
Nov 5 2021: $1,017,020
Dec 5 2021: TNW $977, 498 / Investments $644,114  <-- Bought house
Jan 5 2022: TNW  $974,113 / Investments $680,246
Feb 5 2022: TNW $989,468 / Investments $668,804
Mar 5 2022: TNW $976,348 / Investments $651,576
Apr 5 2022: TNW $1,030,421 / Investments $680,695
May 5 2022: TNW $1,028,363 / Investments $641,593

July 5 2022: TNW $1,039,389 / Investments $601,245 ($40,348)

oneday

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Re: Race from 500k to 1M!
« Reply #3118 on: July 05, 2022, 03:26:09 PM »
@the_hobbitish I wish I had your fortitude. It's hard to check as infrequently as once a month!

solon

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Re: Race from 500k to 1M!
« Reply #3119 on: July 06, 2022, 10:25:57 AM »

                       2018                2019                2020                2021                2022               
January132,155177,349282,110344,002562,144
February138,015188,332290,845360,553550,651
March138,469187,634288,022367,222545,172
April148,093197,461257,224387,064575,922
May158,814194,010276,627398,896547,618
June161,284186,414299,563407,230541,730
July160,446196,934304,249418,701527,166
August168,222267,535318,456520,045-
September184,158268,153324,661527,305-
October189,536271,542317,511520,004-
November184,146283,636323,958552,965-
December182,675287,248341,124542,337-


Back to September 2021 levels, in spite of heavy saving!

Turtle

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Re: Race from 500k to 1M!
« Reply #3120 on: July 06, 2022, 11:21:46 AM »
____

Back to September 2021 levels, in spite of heavy saving!

To distract myself from the current market, I pulled up share numbers for June 2021 vs June 2022 for my company 401k that's getting quite a bit of my heavy saving going it.  I was pleasantly surprised to see that my number of shares was up between 16-27% year on year depending on the fund in question.  Buying on sale indeed.

bownyboy

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Re: Race from 500k to 1M!
« Reply #3121 on: July 07, 2022, 03:13:26 AM »
Oof! Back to July 2021 levels now, despite a year of contributions.

I must admit I've been wondering if FIREing on May 2nd 2022 was the best idea, but I'm holding steady as per my asset allocation of one year of spending in cash and 3 years in bonds. We'll see how things are next April if I need to reassess going back to work!


Jan 2014 - 222,149
===============
Jan 2015 - 250,275 (+28,126)
===============
Jan 2016 - 272,607 (+22,332)
===============
Jan 2017 - 346,854 (+74,247)
===============
Jan 2018 - 456,088 (+109,234)
===============
Jan 2019 - 495,379 (+39,291)
===============
Jan 2020 - 606,791 (+111,412)
===============q
Jan 2021 710,244 (+103,453)
===============
Jan 2022 797,820 (+86,284)
Feb 2022 771,367 (-26,452)
Mar 2022 783,717 (+12,349)
Apr 2022 823,597 (+39,880)
May 2022 785,190 (-38,407)
Jun 2022 776,707 (-8,403)
Jul 2022 743,105 (-33,602)


tjrssibelle

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Re: Race from 500k to 1M!
« Reply #3122 on: July 07, 2022, 06:31:34 PM »
Investments only;

Dec 2016: $129.04k
Dec 2017: $196.66k
Dec 2018: $227.08k
Dec 2019: $339.51k
Dec 2020: $448.30k

Jan 2021: $458.12k
Feb 2021: $472.00k
Mar 2021: $491.00k
Apr 2021: $513.64k
May 2021: $522.51k
Jun 2021: $534.07k
July 2021: $542.13k
Aug 2021: $558.19k
Sep 2021: $535.50k
Oct 2021: $566.00k
Nov 2021: $554.97k
Dec 2021: $579.50k

Jan 2022: $555.08k
Feb 2022: $547.93k
Mar 2022: $568.83k
Apr 2022: $526.18k
May 2022: $533.30k
Jun 2022: $500.42k

Sent from my SM-S908U using Tapatalk


Apples

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Re: Race from 500k to 1M!
« Reply #3123 on: July 10, 2022, 09:13:04 AM »
Oct 2021:  $563,047.23
Nov 2021:  $571,338.24   
Dec 2021:  $600.016.41   
Jan 2022:  $631,482.70
Feb 2022:  $622,604.09
Mar 2022:  $629,602.05

Based on some stuff we have going on plus the current stock market outlook, I think most of this year is going to be spent riding it out and not making much in gains.  Which is fine, it just makes it less interesting to see what the NW is at the end of the month.  Which as so much of ours is based on a farm and emergency fund/cash, it's slowly turning into more of a math exercise than something interesting to see.

April 2022:  $615,479.97
May 2022:  $619,678.03
June 2022:  $594,951.26

Well that's not particularly fun.  Just waiting out the markets mostly, in total all investment accounts have dropped $61,000 this year including our contributions each month.  Ouch.  That's nearly 20%!  No hesitation in continuing to invest, but much less fun to do so now lol.  Savings are also down a few thousand; expensive part of the year.  But our farm will have some government funds unexpectedly coming to it in July, so hopefully we will get a large loan paydown that will jump us up in NW again, and get us in better position on our loans!  Paying off the farm's line of credit, and paying off a decent chunk of the real estate loan, will feel good.

tarheeldan

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Re: Race from 500k to 1M!
« Reply #3124 on: July 15, 2022, 07:38:43 AM »
Oops! I forgot to update until now! It was not as exciting a prospect as in some other months haha

Down $44,503.50 to $592,704. That's a 7% drop on the month and a 16% year-to-date (110k) decline

Oh well! We'll get there eventually :)

Race to Millionaire spreadsheet:
https://docs.google.com/spreadsheets/d/1jLRMTDbemf-JwZA10noQ8RrEf3EzpWC0R58nNypstrM/edit#gid=1302523503

charis

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Re: Race from 500k to 1M!
« Reply #3125 on: July 15, 2022, 08:26:06 AM »
I'm not even bothering to look at the numbers right now. The total net worth is still close to 900k but the investments, my main criteria for FI, are down over $150k since first week of Jan.  I'm trying to channel the vibe of my spouse, who never looks at the market or paper losses. It's a good approach at this point.

JLee

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Re: Race from 500k to 1M!
« Reply #3126 on: July 29, 2022, 10:00:31 AM »
2020
Code: [Select]
Date             Assets           Debts          Net Worth
Dec 2020 $927,329.91 -$418,8651.23 $508,468.58

2021
Code: [Select]
Date             Assets           Debts          Net Worth
Jan 2021 $925,765.84 -$416,198.31 $509,567.53
Feb 2021 $939,436.18 -$418,551.55 $520,884.63
Mar 2021 $955,475.27 -$414,407.19 $541,068.08
Apr 2021 $1,021,347.71 -$433,808.86 $587,538.85
May 2021 $1,021,685.84 -$428,283.03 $593,402.81
Jun 2021 $1,033,636.33 -$427,154.47 $606,481.86
Aug 2021 $1,040,550.29 -$425,660.16 $614,890.13
Sep 2021 $1,047,603.22 -$424,530.11 $623,073.11
Oct 2021 $1,071,990.16 -$453,231.84 $618,758.32
Nov 2021 $1,101,914.46 -$447,727.22 $654,187.24
Dec 2021 $1,084,167.16 -$450,855.87 $633,311.29

2022
Code: [Select]
Date             Assets           Debts          Net Worth
Jan 2022 $1,116,799.93 -$444,795.98 $672,003.95
Feb 2022 $1,081,638.33 -$443,484.70 $638,153.63
Mar 2022 $1,075,121.56 -$440,480.78 $634,640.78
Apr 2022 $1,100,641.30 -$441,029.74 $659,611.56
May 2022 $1,063,532.73 -$436,899.07 $626,633.66
Jun 2022 $1,070,199.78 -$436,935.78 $633,264.00
Jul 2022 $1,035,931.02 -$432,745.39 $603,185.63
Aug 2022 $1,068,444.71 -$430,877.78 $637,566.93

charis

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Re: Race from 500k to 1M!
« Reply #3127 on: July 29, 2022, 10:15:27 AM »
I'm not even bothering to look at the numbers right now. The total net worth is still close to 900k but the investments, my main criteria for FI, are down over $150k since first week of Jan.  I'm trying to channel the vibe of my spouse, who never looks at the market or paper losses. It's a good approach at this point.

I'm happy to see that there was some sort of glitch in Mint that corrected itself when I checked finally and our investments were never down that much, probably 90k at the lowest point. Currently down 50k for the year at 650k invested/990k total NW.

bownyboy

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Re: Race from 500k to 1M!
« Reply #3128 on: July 30, 2022, 03:02:27 AM »
Finally an uptick in the markets this last week which puts us back to where we were on Jan 1st despite multiple contributions to the investments over the last 6 months. Continuing to draw down from the cash allocation until April 2023 when hopefully things will be in a better position.

Jan 2014 - 222,149
===============
Jan 2015 - 250,275 (+28,126)
===============
Jan 2016 - 272,607 (+22,332)
===============
Jan 2017 - 346,854 (+74,247)
===============
Jan 2018 - 456,088 (+109,234)
===============
Jan 2019 - 495,379 (+39,291)
===============
Jan 2020 - 606,791 (+111,412)
===============
Jan 2021 710,244 (+103,453)
===============
Jan 2022 797,820 (+86,284)
Feb 2022 771,367 (-26,452)
Mar 2022 783,717 (+12,349)
Apr 2022 814,471 (+30,753)
May 2022 785,982 (-28,488)
Jun 2022 776,516 (-9,465)
Jul 2022 782,882 (+6,365)
Aug 2022 797,731 (+14,848)


Dogastrophe

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Re: Race from 500k to 1M!
« Reply #3129 on: July 30, 2022, 05:30:51 AM »
Investments only; Household combined.

                       2019 ($)            2020 ($)            2021 ($)            2022 ($)            2023 ($)           
January-496,255674,413898,547-
February-472,573700,728880,646-
March-444,067732,652901,213-
April-495,051762,029848.393-
May-524,063759,955843,438-
June-524,530796,116789,251-
July330,406552,296826,664856,647-
August437,870632,115866,404--
September443,081617,959827,075--
October452,295604,646873,651--
November483,711664,577898,767--
December484,963674,843925,511--

pasadenafr

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Re: Race from 500k to 1M!
« Reply #3130 on: July 30, 2022, 06:16:40 AM »
Invested assets, long term savings and debts:

12/31/14     $51,962.23
12/31/15     $92,762.33
12/31/16    $163,900.00
12/31/17    $251,415.07
12/31/18    $330,093.64
12/31/19    $519,878.70
12/31/20    $714,958.33
12/31/21    $993,847.78    <reached $1M for the first time in November>

---

01/31/22    $947,983.02
02/28/22    $937,210.33
03/31/22    $984,948.06    <maxed out 401(k)>
04/30/22    $907,109.79    <paid off car loan. No more debt.>
05/31/22    $908,208.18
06/30/22    $847,334.44
07/31/22    $933,203.66    <Maxed Out Mega Backdoor Roth>


Back over $900k but I have a feeling this isn't gonna last very long... This rally feels like the second half of March. So far, total NW is down about $60k YTD.
« Last Edit: July 30, 2022, 08:20:03 AM by pasadenafr »

fuzzy math

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Re: Race from 500k to 1M!
« Reply #3131 on: July 30, 2022, 06:52:40 AM »
Its so refreshing to see the market go up for once!

Investments only

                       2018                2019                2020                2021                2022               
January-$226,942$401,746$603,129$905,792
February-$249,796$414,430$610,412$867,164
March-$270,351$412,631$630,438$856,028
April-$285,770$393,815$679,078$900,389
May-$295,838$414,524$719,534$837,895
June$219,320$283,393$452,579$737,483$849,385
July$228,483$307,071$471,455$771,570$798,307
August$234,711$315,942$496,982$784,835$861,929
September$245,993$318,301$529,603$815,664-
October$251,023$334,301$525,945$795,014-
November$238,881$352,430$528,082$851,714-
December$244,687$370,715$585,310$880,980-


SpareChange

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Re: Race from 500k to 1M!
« Reply #3132 on: July 30, 2022, 11:48:11 AM »
EOY    Networth (US$)   
2011    -50k           
2012    -41k           
2013    -10k           
2014     33,726       
2015     90,497       
2016     146,590     
2017     224,985
2018     282,015
2019     381,913...downshifted to halftime in the fall.
2020     495,309
2021     591,399

July update: $585,554. Up $47,682, $19,302 of which was me choosing to include the cashout value of my pto bank from now on. 

Tidbits...
Saved: $2,400.56
Spent: $1,781.86
Added approx. $3.38/mon to FRA SS.
Avg 24.75 hrs/wk at work.




Imustacheyouaquestion

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Re: Race from 500k to 1M!
« Reply #3133 on: July 30, 2022, 02:05:25 PM »

Month              2020                2021                2022               
January-$580,000$809,000
February-$584,000$789,000
March-$605,000$780,000
April-$622,000$800,250
May-$650,000$752,000
June-$656,000$753,000
July-$677,000$735,000
August-$682,000$760,000
September$517,937$700,500-
October$511,000$696,000-
November$514,001$803,000-
December$567,000$788,000-



https://docs.google.com/spreadsheets/d/1jLRMTDbemf-JwZA10noQ8RrEf3EzpWC0R58nNypstrM/edit?usp=sharing

oneday

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Re: Race from 500k to 1M!
« Reply #3134 on: July 31, 2022, 05:08:29 PM »
Nice to see some folks portfolios rebounding.

Last month, my investments were at a valuation similar to Sep 2021; now they are similar to Feb 2022. This has been a good lesson about risk tolerance. My gut feel is that there will be more chances this year to test that risk tolerance.

Investments only

                       2021                2022                2023                2024                2025               
January$326K$491K---
February$345K$487K---
March$362K$509K---
April$383K$474K---
May$385K$481K---
June$393K$447K---
July$451K$488K---
August$467K----
September$447K----
October$480K----
November$494K----
December$515K----

https://docs.google.com/spreadsheets/d/1jLRMTDbemf-JwZA10noQ8RrEf3EzpWC0R58nNypstrM/edit#gid=1302523503

Finwiz

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Re: Race from 500k to 1M!
« Reply #3135 on: July 31, 2022, 08:52:04 PM »
Continuing to be well behind our target of $853,373 for the year - we'll see what the market holds for the next 5 months or so...

01/01/21 - $400,149
03/31/21 - $458,005 (+$57,856)
06/30/21 - $517,109 (+$116,960)
09/30/21 - $563,939 (+$163,790)
12/31/21 - $603,373 (+$203,224)

01/16/22 - $601,346 (-$2,026)
02/16/22 - $604,637 (+$1,264)
03/02/22 - $623,587 (+$20,215)
04/01/22 - $646,383 (+$43,010)
05/01/22 - $628,346 (+$24,973)
06/01/22 - $637,137 (+$33,764)
07/01/22 - $638,810 (+$35,437)
08/01/22 - $683,261 (+$79,889)

Out of curiosity, do you include your escrow account in your net worth calculation? I have not been, but we've regularly got $8-10,000 in there at all times.

grantmeaname

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Re: Race from 500k to 1M!
« Reply #3136 on: July 31, 2022, 09:14:14 PM »
Year        Jan        Feb        Mar        |    Apr        May        Jun        |    Jul        Aug        Sep        |    Oct        Nov        Dec       
2015 -$10k-$10k-$10k|-$10k-$10k-$10k|-$10k-$10k-$10k|-$9k-$6k-$5k
2016 -$3k-$2k-$0k|$1k$3k$4k|$6k$7k$9k|$9k$11k$13k
2017 $15k$16k$18k|$20k$22k$24k|$26k$27k$30k|$32k$35k$36k
2018 $45k$44k$53k|$56k$55k$52k|$63k$62k$65k|$75k$72k$73k
2019 $80k$100k$104k|$108k$119k$126k|$127k$130k$133k|$141k$153k$163k
2020 $167k$162k$156k|$187k$196k$208k|$228k$242k$246k|$252k$287k$303k
2021 $316k$365k$377k|$403k$414k$428k|$444k$460k$461k|$485k$485k$516k
2022 $489k$567k$586k|$540k$551k$518k|$566k--|---
« Last Edit: August 01, 2022, 07:58:56 AM by grantmeaname »

LightStache

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Re: Race from 500k to 1M!
« Reply #3137 on: August 01, 2022, 05:08:20 AM »
Out of curiosity, do you include your escrow account in your net worth calculation? I have not been, but we've regularly got $8-10,000 in there at all times.

I never did when I had mortgages. If you pay tax in arrears then you'd also have to count that as a liability, which brings the net amount down to something I don't consider significant.

An $8K cushion in a mortgage escrow account seems very high to me. That implies disbursements of at least $48K/yr and a home value around $3M.
« Last Edit: August 01, 2022, 05:10:38 AM by LightStache »

RFAAOATB

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Re: Race from 500k to 1M!
« Reply #3138 on: August 01, 2022, 06:54:49 AM »
                      Jan       Feb       Mar    |       Apr       May       Jun    |       Jul       Aug       Sep    |       Oct       Nov       Dec
2015 -$10k-$10k-$10k|-$10k-$10k-$10k|-$10k-$10k-$10k|-$9k-$6k-$5k
2016 -$3k-$2k-$0k|$1k$3k$4k|$6k$7k$9k|$9k$11k$13k
2017 $15k$16k$18k|$20k$22k$24k|$26k$27k$30k|$32k$35k$36k
2018 $45k$44k$53k|$56k$55k$52k|$63k$62k$65k|$75k$72k$73k
2019 $80k$100k$104k|$108k$119k$126k|$127k$130k$133k|$141k$153k$163k
2020 $167k$162k$156k|$187k$196k$208k|$228k$242k$246k|$252k$287k$303k
2021 $316k$365k$377k|$403k$414k$428k|$444k$460k$461k|$485k$485k$516k
2022 $489k$567k$586k|$540k$551k$518k|$566k--|---

Ok how did you get from a quarter million to half a million in less than two years?

Turtle

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Re: Race from 500k to 1M!
« Reply #3139 on: August 01, 2022, 06:56:08 AM »
401K/IRA and Stock Investments only


                       2019                2020                2021                2022               
January$359,130--$701,867
February---$693,793
March$374,402$394,320$640,707$713,831
April---$769,969
May---$794,878
June$401,531$421,221$687,136$737,716
July---$788,156
August--$704,330-
September$406,619$452,555$682,741-
October--$713,220-
November--$694,013-
December$493,851$581,720$727,274-


Headed back in the right direction.

grantmeaname

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Re: Race from 500k to 1M!
« Reply #3140 on: August 01, 2022, 07:55:01 AM »
Ok how did you get from a quarter million to half a million in less than two years?
Nothing exotic: HCOL big salary, comparatively tiny expenses, huge savings rate pointed all at index funds, plus a massive bull market through the end of 2020. I've actually saved more than ever so far this year, but made a lot less progress on the headline number of course...

hudsoncat

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Re: Race from 500k to 1M!
« Reply #3141 on: August 01, 2022, 08:30:31 AM »
                       2018                2019                2020                2021                2022               
January$222,019$261,809$403,264$550,326$775,790
February$236,831$286,584$414,417$555,120$740,206
March$234,104$303,681$388,201$577,440$732,898
April$234,452$314,939$355,475$606,455$774,258
May$241,470$331,080$398,672$647,810$714,112
June$249,398$320,926$417,280$654,138$719,842
July$253,884$342,700$424,818$671,808$668,503
August$264,666$354,784$456,512$693,782$732,736
September$276,905$351,842$491,411$718,331-
October$285,986$360,853$482,214$700,515-
November$267,359$374,706$475,471$744,130-
December$281,461$391,293$531,137$754,319-

Clearly I did not win the Mega Millions jackpot. Happy to be back up over $700K for now though!

grantmeaname

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Re: Race from 500k to 1M!
« Reply #3142 on: August 01, 2022, 08:31:47 AM »
Lol how funny would it be if someone had a big monthly table with $700k, $700k, $700k, $1,000,000,700k

lampstache

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Re: Race from 500k to 1M!
« Reply #3143 on: August 01, 2022, 09:19:10 AM »
Investments only

                       2017                2018                2019                2020                2021                2022               
January$34,633$56,928,$98,248$176,153$419,499$643,917
February$40,740$56,241$115,926$182,362$433,878$631,440
March???$57,195$123,445$171,868$481,671$612,570
April$41,346$57,635$129,678$188,425$503,015$628,685
May$41,840$66,682$136,527$255,004$536,515$583,864
June$45,227$71,500$132,945$279,130$570,802$566,514
July$45,862$75,817$142,557$290,173$570,802$546,704
August$47,377$85,050$150,420$310,173$568,446$587,836
September$47,669$87,937$146,310$336,875$596,208-
October$50,397$94,114$150,536$338,532$590,085-
November$52,288$95,502$155,627$332,899$625,776-
December???$93,596$165,458$396,311$611,435-

joe189man

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Re: Race from 500k to 1M!
« Reply #3144 on: August 01, 2022, 09:32:52 AM »
07/14/2018 - $179,957 (when we joined personal capital, Investments Only)
09/01/2018 - $188,534
01/01/2019 - $183,112
03/01/2019 - $214,755
07/01/2019 - $244,273
09/01/2019 - $251,684 - We did it!
01/01/2020 - $292,285
02/01/2020 - $295,390
02/20/2020 - $310,386
03/22/2020 - $217,801
05/01/2020 - $268,377
07/01/2020 - $301,867
10/01/2020 - $338,909
01/01/2021 - $396,844 (Only 401ks and HSA's)
02/01/2021 - $424,746 (Investments and Emergency Fund ~$20K)
03/01/2021 - $442,769 / $591,662 (Investments and Emergency Fund / Personal Capital Networth)
04/01/2021 - $461,404.23 / $609,137
05/01/2021 - $481,520 / $629,395
06/01/2021 - $491,935 / ~$650k
06/26/2021 - $504,398 / ~$657k - We did it! (or the Market did :)...)
07/02/2021 - $505,955 / ~$660K
08/03/2021 - $520,856 / $~679K
09/01/2021 - $540,398 / ~$757k (home value changed in Personal Capital increased total net worth)
10/01/2021 - $534,405 / ~$769k (We paid off the last student loan, now only have a mortgage)
11/01/2021 - $559,896 / ~$797k
12/01/2021 - $558,710 / ~$817K (Zillow thinks my house is worth a lot more than a few months ago)
12/31/2021 - $590,743 / ~$857K
02/01/2022 - $560,789 / ~$832K (including ~$1,750 in Cryptocurrency)
03/01/2022 - $551,465 / ~$863k (including ~$2,822 in Cryptocurrency) (house went up ~$36k in value according to Zillow)
04/01/2022 - $577,980 / ~$943k (including ~$4,041 in Cryptocurrency) (House went up again)
05/02/2022 - $533,454 / ~$905k (inc. ~$3517 in Crypto) (house went up again)
05/31/2022 - $538,475 / ~$899K (inc. ~$2647 in Crypto) (house went Down)
06/30/2022 - $491,145 / ~$836K (inc. ~$1,700 in crypto) (house value when down)
08/01/2022 - $534,790 /  ~$860k (incl. ~$2,490 in Crypto, House value went down)

Race to Millionaire spreadsheet
https://docs.google.com/spreadsheets/d/1jLRMTDbemf-JwZA10noQ8RrEf3EzpWC0R58nNypstrM/edit#gid=0

tarheeldan

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Re: Race from 500k to 1M!
« Reply #3145 on: August 01, 2022, 11:41:31 AM »
Nice rebound last month :)
Up 8.4% or $49,920
Still down 8.6% YTD but there are five months left!

Race to Millionaire spreadsheet
https://docs.google.com/spreadsheets/d/1jLRMTDbemf-JwZA10noQ8RrEf3EzpWC0R58nNypstrM/edit#gid=0

ArtOfFIRE

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Re: Race from 500k to 1M!
« Reply #3146 on: August 01, 2022, 06:26:14 PM »
2015 2016 2017 2018 2019 2020 2021 2022
January- $125,152 $190,212 $277,747 $300,773 $391,367 $503,318 $605,856
February- $132,476 $205,111 $276,647 $312,970 $372,287 $516,580 $591,072
March- $142,868 $207,302 $277,401 $328,015 $316,940 $538,761 $605,876
April- $146,221 $213,616 $279,721 $332,703 $357,205 $561,751 $563,335
May- $153,151 $220,848 $292,665 $321,134 $404,385 $573,018 $567,285
June- $151,884 $221,782 $288,234 $344,636 $401,862 $585,313 $531,226
July$111,061 $162,292 $229,419 $300,537 $340,103 $424,226 $593,812 $571,240
August$109,293 $164,716 $233,575 $306,219 $341,637 $440,114 $610,608
September$104,752 $167,126 $242,747 $293,075 $347,779 $436,932 $590,638
October$112,604 $167,659 $246,050 $293,488 $361,290 $458,230 $621,333
November$112,690 $177,602 $255,539 $293,026 $369,972 $485,863 $613,391
December$120,262 $182,345 $262,362 $301,471 $390,730 $498,601 $635,119

dandypandys

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Re: Race from 500k to 1M!
« Reply #3147 on: August 02, 2022, 05:16:49 PM »
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 (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!?
Dec 29th: $624 UP 90.5k for 2020

2021
Mar 2nd: $665
Mar 31: $674.5
May 1st: $703
May 28: $714
June 30: $728
July 30th: $777 sold some art :)
Sept 1: $796
Oct 1: $771.5
Nov: $808
Dec: $815.5   Put the condo up to 150k- Zillow says 180k now. Had to buy a nice new fridge :) but now both cars need fixed too, arg.
Dec 31:  $843  UP 218,977for 2021, but some was the condo

2022
Feb 1st: $807
Mar 1st: $798.5
Apr 1st $822.5
May 1: $786.5
June 1: $776 finally our new kitchen is in- should be able to save more again going forward. Sold art:)
August 1:$781

Finwiz

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  • Posts: 102
Re: Race from 500k to 1M!
« Reply #3148 on: August 02, 2022, 07:13:04 PM »
Out of curiosity, do you include your escrow account in your net worth calculation? I have not been, but we've regularly got $8-10,000 in there at all times.

I never did when I had mortgages. If you pay tax in arrears then you'd also have to count that as a liability, which brings the net amount down to something I don't consider significant.

An $8K cushion in a mortgage escrow account seems very high to me. That implies disbursements of at least $48K/yr and a home value around $3M.

Yeah it feels a bit high to me as well, and we're adding $1700/month to it - have a feeling we're going to be overfunded by year end given remaining disbursements. I guess for now I'll continue to exclude it from our calculations.

You were pretty close as a % - house value is closer to $1m with ~$18k/year in disbursements.

drumstache

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Re: Race from 500k to 1M!
« Reply #3149 on: August 03, 2022, 09:35:21 AM »
DATE      INVESTMENTS      INVESTS + CASH
Jan 2015   $147,945      $247,945
May 2015   $174,008      $279,652
Sep 2015   $175,919      $277,696
May 2016   $218,514      $328,980
Jul 2017   $306,386      $417,772
Mar 2018   $380,160      $467,160
Aug 2018   $423,708      $491,708
Feb 2019   $446,121      $585,121
Mar 2019   $481,093      $592,941
Apr 2019   $506,875      $595,875
Jul 2019   $540,071      $617,447
Jan 2020   $610,000      $691,000
Jul 2020   $647,000      $727,000
Oct 2020   $681,430      $765,430
Dec 2020   $724,740      $814,072
Jan 2021   $756,650      $842,650
Apr 2021   $807,000      $885,000
May 2021   $827,000      $903,000
Jul 2021   $861,000      $935,000
Sep 2021   $891,000      $958,000
Oct 2021   $888,347      $955,347
Nov 2021   $915,474      $982,474
Dec 2021   $913,182      $993,182
Jan 2022   $904,866      $994,866
Feb 2022   $891,617      $981,617
Mar 2022   $880,071      $960,071
Apr 2022   $891,000      $975,000
May 2022   $815,332      $889,332
Jun 2022   $831,000      $896,000
Jul 2022   $817,000      $877,000
Aug 2022   $867,884      $927,884