Race from 500k to 1M!

[SpareChange]

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]

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]

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]

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]

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]

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]

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]

.....
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.

[runningthroughFIRE]

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]

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]

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]

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]

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]

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]

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]

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]

@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]

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]

@the_hobbitish I wish I had your fortitude. It's hard to check as infrequently as once a month!

[solon]

	2018	2019	2020	2021	2022
January	132,155	177,349	282,110	344,002	562,144
February	138,015	188,332	290,845	360,553	550,651
March	138,469	187,634	288,022	367,222	545,172
April	148,093	197,461	257,224	387,064	575,922
May	158,814	194,010	276,627	398,896	547,618
June	161,284	186,414	299,563	407,230	541,730
July	160,446	196,934	304,249	418,701	527,166
August	168,222	267,535	318,456	520,045	-
September	184,158	268,153	324,661	527,305	-
October	189,536	271,542	317,511	520,004	-
November	184,146	283,636	323,958	552,965	-
December	182,675	287,248	341,124	542,337	-

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

[Turtle]

____

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]

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]

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]

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]

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]

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]

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]

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]

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]

Investments only; Household combined.

	2019 ($)	2020 ($)	2021 ($)	2022 ($)	2023 ($)
January	-	496,255	674,413	898,547	-
February	-	472,573	700,728	880,646	-
March	-	444,067	732,652	901,213	-
April	-	495,051	762,029	848.393	-
May	-	524,063	759,955	843,438	-
June	-	524,530	796,116	789,251	-
July	330,406	552,296	826,664	856,647	-
August	437,870	632,115	866,404	-	-
September	443,081	617,959	827,075	-	-
October	452,295	604,646	873,651	-	-
November	483,711	664,577	898,767	-	-
December	484,963	674,843	925,511	-	-

[pasadenafr]

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.

[fuzzy math]

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]

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]

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]

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]

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]

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

-

-

|

-

-

-

[LightStache]

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.

[RFAAOATB]

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]

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]

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]

	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]

Lol how funny would it be if someone had a big monthly table with $700k, $700k, $700k, $1,000,000,700k

[lampstache]

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	-

[joemandadman189]

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]

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]

	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]

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]

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]

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