Race from 500k to 1M!

[Lamancha]

1/2019- 29,000
1/2020- 130,855
1/2021- 258,257
1/2022- 452,162
1/2023- 534,404
1/2024- 727,081

1/2025- 839,496

2/2025- 876,046

[oneday]

Investments only

	2021	2022	2023	2024	2025
January	$326K	$491K	$516K	$682K	$895K
February	$345K	$487K	$508K	$707K	-
March	$362K	$509K	$527K	$734K	-
April	$383K	$474K	$542K	$712K	-
May	$385K	$481K	$546K	$749K	-
June	$393K	$447K	$586K	$776K	-
July	$451K	$488K	$625K	$794K	-
August	$467K	$476K	$617K	$817K	-
September	$447K	$438K	$592K	$835K	-
October	$480K	$475K	$583K	$830K	-
November	$494K	$505K	$625K	$880K	-
December	$515K	$480K	$657K	$865K	-

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

[lcmac32]

	2018	2019	2020	2021	2022	2023	2024	2025
January	132,155	177,349	282,110	344,002	562,144	566,920	658,932	973,806
February	138,015	188,332	290,845	360,553	550,651	603,222	685,235	976,407
March	138,469	187,634	288,022	367,222	545,172	612,629	696,088	-
April	148,093	197,461	257,224	387,064	575,922	616,858	701,387	-
May	158,814	194,010	276,627	398,896	547,618	618,599	700,298	-
June	161,284	186,414	299,563	407,230	541,730	644,443	717,760	-
July	160,446	196,934	304,249	418,701	527,166	660,703	749,312	-
August	168,222	267,535	318,456	520,045	577,017	656,843	745,673	-
September	184,158	268,153	324,661	527,305	561,402	658,526	763,390	-
October	189,536	271,542	317,511	520,004	545,003	647,666	964,899	-
November	184,146	283,636	323,958	552,965	554,486	632,663	943,042	-
December	182,675	287,248	341,124	542,337	581,821	658,487	997,725	-

I didn't really mean to jinx it, but maybe a good month will have you graduating.  It will happen soon enough.  Will be happy for you to graduate.

[snoot]

01/2018 $67,602
01/2019 $101,315
01/2020 $196,633
01/2021 $276,482
01/2022 $353,077
01/2023 $404,419
01/2024 $535,903
----
01/2025 $602,508
02/2025 $617,409

I hadn't posted in awhile because I took a 6 month unpaid leave from my job to hike the Pacific Crest Trail from May-October last year! Back into things now.

Good work everyone!

[SpareChange]

I hadn't posted in awhile because I took a 6 month unpaid leave from my job to hike the Pacific Crest Trail from May-October last year! Back into things now.

Good work everyone!

Well now, you can't just mention that without telling us how it went? :)

[LightStache]

I hadn't posted in awhile because I took a 6 month unpaid leave from my job to hike the Pacific Crest Trail from May-October last year! Back into things now.

Good work everyone!

Well now, you can't just mention that without telling us how it went? :)

Yes please! I have a southbound PCT permit for this year starting July 23. I'm not sure how far I'll make it before the weather forces me off.

[J.P. MoreGains]

Investments only

	2021	2022	2023	2024	2025
January	$326K	$491K	$516K	$682K	$895K
February	$345K	$487K	$508K	$707K	-
March	$362K	$509K	$527K	$734K	-
April	$383K	$474K	$542K	$712K	-
May	$385K	$481K	$546K	$749K	-
June	$393K	$447K	$586K	$776K	-
July	$451K	$488K	$625K	$794K	-
August	$467K	$476K	$617K	$817K	-
September	$447K	$438K	$592K	$835K	-
October	$480K	$475K	$583K	$830K	-
November	$494K	$505K	$625K	$880K	-
December	$515K	$480K	$657K	$865K	-

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

@oneday

Looks like you will go from 700k to 900k in a year! That is pretty remarkable!

I've always thought that this was a possibility (up 200k in a year) for me when I get more invested and there is a strong year in the market... looks like you are going to do it!

Congrats!

[snoot]

It was everything I hoped it would be and more. @LightStache, that is so exciting for you.

I started May 8th at the US/Mexico border and hiked straight through to around the California/Oregon state line before I had to start skipping around wildfires and smoke. I did make it up to Canada and completed 2000 of the 2650 total miles of trail. I'm planning on going back out sometime this summer to fill in the sections I missed.

I hadn't posted in awhile because I took a 6 month unpaid leave from my job to hike the Pacific Crest Trail from May-October last year! Back into things now.

Good work everyone!

Well now, you can't just mention that without telling us how it went? :)

Yes please! I have a southbound PCT permit for this year starting July 23. I'm not sure how far I'll make it before the weather forces me off.

[oneday]

oneday

Looks like you will go from 700k to 900k in a year! That is pretty remarkable!

I've always thought that this was a possibility (up 200k in a year) for me when I get more invested and there is a strong year in the market... looks like you are going to do it!

Congrats!

Oh my gosh, I hadn't even noticed that! So focused on "almost 900K". Wow, that's really mind blowing.

I hope you get to experience this some day soon!!!

[Davin]

Well, I don't think I am going to win this race, but according to Vanguard I am now qualified to enter. $501,330.02 as of today. I didn't even notice I had crossed the threshold, but I am half a millionaire now. On paper anyway.

[J.P. MoreGains]

Oh my gosh, I hadn't even noticed that! So focused on "almost 900K". Wow, that's really mind blowing.

I hope you get to experience this some day soon!!!

Yeah, looking at your January numbers you already did it... up 213k from Jan to Jan (895 - 682). That is awesome. But the round numbers of 700k to 900k seems really impressive to say!

This has to feel like the home stretch.

[SpareChange]

Well, I don't think I am going to win this race, but according to Vanguard I am now qualified to enter. $501,330.02 as of today. I didn't even notice I had crossed the threshold, but I am half a millionaire now. On paper anyway.

Welcome! I think most of us would say most of the "winning" was done by the time you got to our starting line. :).

[Vashy]

end-2018:  £287,177
end-2019: £385,670
end-2020: £445,311
end-2021: £591,798
end-2022: £633,634
end-2023: £678,624
end-2024: £836,528

New goal: I'm aiming for £850k-900K by end-2025.

Market's been very good to me. Now at £862,073.

[lcmac32]

Well, I don't think I am going to win this race, but according to Vanguard I am now qualified to enter. $501,330.02 as of today. I didn't even notice I had crossed the threshold, but I am half a millionaire now. On paper anyway.

Welcome! I think most of us would say most of the "winning" was done by the time you got to our starting line. :).

Those are true words.  Unless you are 80+ years old.  Of course, that is still better than not having $500K.  I passed that mark last year in retirement accounts only.  It did feel like winning.

[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
2022     585,889...started including the value of my PTO bank
2023     738,911
2024     891,706

February update:$928,490. Up $8,421, or 0.92%.

[PlanetDee]

Investments Only:
12/1/23 - $513k
1/1/24 - $546k
2/1/24 - $558k
3/1/24 - $581k
4/1/24 - $596k
5/1/24 - $569k
6/1/24 - $603k
7/1/24 - $625k
8/1/24 - $641k
9/1/24 - $656k
10/2/24 - $672k
11/1/24 - $679k
12/1/24 - $721k
1/2/25 - $715k
2/1/25 - $737k
3/1/25 - $733k

Bigger changes coming for us. I’m going back to full time work after about a year of 80%. We have started to actively search for a parcel of land to build the future downsized house, so wanted to earn some extra money for that goal and to pad the retirement stache for the next few years. Bittersweet for sure! So if we end up buying land our liquid number will change quite a bit.

[midweststache]

2024 Q2 - $514K INV / $731K TNW
2024 Q3 - $556K INV / $786K TNW
2024 Q4 - $589K INV / $835K TNW

2/1 - $618K INV / $862K TNW
3/1 - $618K INV / $863K TNW

Eh, I'm not mad given *gestures around* whatever this clusterf*#k is.

[tjrssibelle]

Investments only;

Dec 2016: $129.04k
Dec 2017: $196.66k
Dec 2018: $227.08k
Dec 2019: $339.51k
Dec 2020: $448.30k
Dec 2021: $579.50k
Dec 2022: $521.43k

Jan 2023: $562.03k
Feb 2023: $549.90k
May 2023: $571.35k
Jun 2023: $601.64k
Jul 2023: $622.09k
Aug 2023: $607.46k
Sep 2023: $580.53k
Oct 2023: $568.72k
Nov 2023: $622.08k
Dec 2023: $659.79k

Jan 2024: $663.00k
Feb 2024: $684.06k
Mar 2024: $703.63k
Apr 2024: $680.60k
May 2024: $709.20k
Jun 2024: $715.69k
Jul 2024: $736.42k
Aug 2024: $755.17k
Sep 2024: $771.85k
Oct 2024: $754.49k
Nov 2024: $788.37k
Dec 2024: $759.99k

Jan 2025: $787.13k
Feb 2025: $785.00k

Sent from my SM-S908U using Tapatalk

[LightStache]

	2021	2022	2023	2024	2025
January	$517,231	$587,701	$684,648	$700,831	$835,447
February	$523,109	$602,997	$718,097	$724,428	$998,738
March	$528,981	$601,258	$681,798	$742,016	$1,037,687
April	$534,853	$642,611	$665,681	$787,834
May	$540,725	$624,923	$675,664	$768,338
June	$533,040	$641,064	$665,389	$747,958
July	$542,290	$621,053	$687,534	$744,746
August	$541,486	$661,845	$690,801	$736,029
September	$540,080	$654,924	$684,056	$730,351
October	$551,000	$632,154	$647,913	$724,404
November	$566,816	$677,840	$622,387	$721,701
December	$582,631	$712,049	$667,567	$851,156

I first hit $1.1M mid-Jan, then lost over $100K before month end. Since my portfolio is so volatile, I'm not quite ready to graduate, but I'm happy the trendline is back moving in the right direction!

[oneday]

Eh, I'm not mad given *gestures around* whatever this clusterf*#k is.

@midweststache same!


Investments only

	2021	2022	2023	2024	2025
January	$326K	$491K	$516K	$682K	$895K
February	$345K	$487K	$508K	$707K	$887K
March	$362K	$509K	$527K	$734K	-
April	$383K	$474K	$542K	$712K	-
May	$385K	$481K	$546K	$749K	-
June	$393K	$447K	$586K	$776K	-
July	$451K	$488K	$625K	$794K	-
August	$467K	$476K	$617K	$817K	-
September	$447K	$438K	$592K	$835K	-
October	$480K	$475K	$583K	$830K	-
November	$494K	$505K	$625K	$880K	-
December	$515K	$480K	$657K	$865K	-

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

[CanadianTeacher]

Another great month for my side gig (down from Christmas/Black Friday, but still doing strong). At the very beginning of the month I did something quite drastic, and sold all my ETFs. Reason being is the threat of tariffs combined with the fact that I want to buy my first home... which I've already done with possession at the end of the month!

Will probably reenter the market once all the dust settles from the condo purchase, taxes, and upcoming surgery. But right now, I'm okay with being on the sidelines as I think it's going to be a very volatile next few years. The market is already modestly down from the point where I sold at, so I'm ahead so far.  (I know I can't time the market, but needed to do this to be comfortable buying a home).

January 2018: $18,944.35
February 2018: $22,047.46
March 2018: $23,463.61
April 2018: $24,224.19
May 2018: $26,173
Jun 2018: $29,519.62
October 2018: $29,676.50
November 2018: $32,923.90
December 2018: $34,394.85

January 2019: $39,825.43
February 2019: $43,508.66
April 2019: $48,394.91
July 2019: $80,041.52
December 2019: $86,963.15

January 2020: $96,301.56
February 2020: $101,272.15.
March 2020: $102,362.65
April 2020: $98,415.77
May 2020:$111,832.84
June 2020: $116,958.23
July 2020: $125,945.15
August 2020: $130,494.78
September 2020: $136,844.71
October 2020: $131,422.24
November 2020: $133,493.15
December 2020: $147,149.14

January 2021: $149,313.19
February 2021: $158,168.99 (+5.9%)
March 2021: $159.365.46 (+0.8%)
April 2021: $170,344.02 (+6.9%)
May 2021: $179,276.00 ( +5.2%)
June 2021: $197,826.75 (+10.3%)
July 2021: $199, 591.41 (+.89%)
August 2021: $202,218.51 (+1.3%)
September 2021: $201,763.82 (-0.2%)
October 2021: $210,788.99 (+4.5%)
November 2021: $216,066.77 (+2.5%)
December 2021: $224,210.94 (+3.8%)

January 2022: $216,791.87 (-3.3%)
February 2022: $219,450.86  (+1.2%)
March 2022: $227,763.33  (+3.8%)
April 2022: $218,157.28 (-4.2%)
May 2022: $222,539.27 (+2.0%)
June 2022: $215,695.15 (-3.1%)
July 2022 $224,814.72 (+4.2%)
August 2022: $220,642.29
November 2022:  $235,770.22

January 2023: $234,203.04
February 2023: $252,455.35
March 2023: $248,010.19
April 2023:  $261,341.44
May 2023: $264,584.52
June 2023: $274,849.50
July 2023: $268,430.90
August 2023: $274,014.30
September 2023: $287,031.11
October 2023: $285,581.64
November 2023: $293,547.92
December 2023: $311,006.64

January 2024:  $326,332.48
February 2024: $343,716.22
March 2024: $377,322.95
April 2024:  $379,449.35
May 2024: 384,253.59
June 2024: $402,112.14
July 2024: $406,992.58
August 2024: $406,314.90
September 2024: $420,903.27
October 2024: $448,234.61
November 2024: $478,729.31
December 2024: $513,350.84

January 2025: $563,232.64
February 2025: $615,384.04
March 2025:  $650,092.63

[Sugaree]

Net Worth	2019	2020	2021	2022	2023	2024	2025
January	$49,378.04	$90,928.02	$161,747.01	$229,977.41	$232,928.16	$456,779.55	$596,752.61
February	$50,300.10	$93,896.81	$162,883.32	$217,510.91	$346,856.21	$464,225.21	$618,328.79
March	$59,373.49	$100,165.23	$173,923.10	$220,602.56	$347,275.46	$490,348.72	$613,043.28
April	$59,558.47	$94,297.23	$183,031.09	$226,302.77	$358,270.55	$511,559.42	$        -
May	$64,340.45	$106,341.84	$186,124.71	$216,297.22	$363,790.59	$495,807.30	$        -
June	$64,940.28	$113,372.31	$189,866.01	$210,792.90	$370,890.90	$520,779.05	$        -
July	$70,156.02	$120,466.05	$194,364.35	$206,546.54	$400,232.03	$537,875.61	$        -
August	$74,302.64	$127,953.51	$197,286.96	$224,774.07	$417,598.48	$543,382.41	$        -
September	$74,328.43	$135,625.59	$205,953.08	$217,814.80	$413,256.55	$557,843.02	$        -
October	$78,067.76	$137,857.32	$201,884.29	$206,617.66	$400,848.50	$567,940.38	$        -
November	$81,274.16	$136,857.08	$215,701.01	$220,532.58	$392,181.17	$569,674.11	$        -
December	$88,148.59	$152,706.85	$217,143.43	$241,204.92	$435,305.59	$610,177.29	$        -
Annual gain	$41,549.98	$70,818.99	$68,230.40	$2,950.75	$223,851.39	$139,973.06	$        -

Meh.  It is what it is. 

[lcmac32]

Retirement investments only counted for this race.

Beginning of each year:

2020 $250,000.00

2023 $326,467.26

2024 $398,689.50
 
2025 $595,898.53
 
  Jan $607,329.29
  Feb $550,222.00
  Mar $
  May $
  Jun $
  Jul  $
  Aug $
  Sep $
  Oct $
  Nov $
  Dec $

[mountain_air]

9/1/21 - 504,976
11/1/21 - 511,106
12/1/21 - 509,903
1/1/21 - 509,888
9/1/23 - 622,897
10/1/23 - 632,463
11/1/23 - 640,088
12/1/23 - 660,761
1/1/24 - 675,394
2/1/24 - 682,854
3/1/24 - 715,335
4/1/24 - 734,141
6/1/24 - 739,828
7/1/24 - 741,359
8/1/24 - 732,300
9/1/24 - 733,951
10/1/24 - 742,776
11/1/24 - 773,916
12/1/24 - 818,622
1/1/25 - 800,641
2/1/25 - 826,228
3/1/25 - 825,400

[snoot]

01/2018 $67,602
01/2019 $101,315
01/2020 $196,633
01/2021 $276,482
01/2022 $353,077
01/2023 $404,419
01/2024 $535,903
----
01/2025 $602,508
02/2025 $617,409
03/2025 $612,513

[solon]

	2018	2019	2020	2021	2022	2023	2024	2025
January	132,155	177,349	282,110	344,002	562,144	566,920	658,932	973,806
February	138,015	188,332	290,845	360,553	550,651	603,222	685,235	976,407
March	138,469	187,634	288,022	367,222	545,172	612,629	696,088	955,333
April	148,093	197,461	257,224	387,064	575,922	616,858	701,387	-
May	158,814	194,010	276,627	398,896	547,618	618,599	700,298	-
June	161,284	186,414	299,563	407,230	541,730	644,443	717,760	-
July	160,446	196,934	304,249	418,701	527,166	660,703	749,312	-
August	168,222	267,535	318,456	520,045	577,017	656,843	745,673	-
September	184,158	268,153	324,661	527,305	561,402	658,526	763,390	-
October	189,536	271,542	317,511	520,004	545,003	647,666	964,899	-
November	184,146	283,636	323,958	552,965	554,486	632,663	943,042	-
December	182,675	287,248	341,124	542,337	581,821	658,487	997,725	-

[LightStache]

	2018	2019	2020	2021	2022	2023	2024	2025
January	132,155	177,349	282,110	344,002	562,144	566,920	658,932	973,806
February	138,015	188,332	290,845	360,553	550,651	603,222	685,235	976,407
March	138,469	187,634	288,022	367,222	545,172	612,629	696,088	955,333
April	148,093	197,461	257,224	387,064	575,922	616,858	701,387	-
May	158,814	194,010	276,627	398,896	547,618	618,599	700,298	-
June	161,284	186,414	299,563	407,230	541,730	644,443	717,760	-
July	160,446	196,934	304,249	418,701	527,166	660,703	749,312	-
August	168,222	267,535	318,456	520,045	577,017	656,843	745,673	-
September	184,158	268,153	324,661	527,305	561,402	658,526	763,390	-
October	189,536	271,542	317,511	520,004	545,003	647,666	964,899	-
November	184,146	283,636	323,958	552,965	554,486	632,663	943,042	-
December	182,675	287,248	341,124	542,337	581,821	658,487	997,725	-

Your portfolio is a tease!

[SeattleStache]

The first number is retirement related investments and the second includes cash savings, real estate, and other investments. I'm focused on retirement savings only for this race.

December 2019: $292,062 (total NW $423,991)
December 2020: $398,408 (total NW $572,704)
December 2021: $506,167 (total NW $665,639)
December 2022: $459,000 (total NW $627,689)
December 2023: $614,548 (total NW $795,006)
December 2024: $782,074 (total NW $975,895)
January 2025: $819,114 (total NW $1,004,964)
Forgot to log February
March 2025: $796,455 (total NW 991,032)

[AJDZee]

Year End
2016: $125k
2017: $182k  (+$57k)
2018: $233k  (+$51k)
2019: $281k  (+$48k)
2020: $327k  (+$46k)
2021: $453k  (+$126k)
2022: $452k  (-$1k)

Q1 2023: $504k (+$52k)
Q2 2023: $525k (+$20k)
Q3 2023: $519k (-$5k)
Q4 2023: $565k (+$45k)

Q1 2024: $635k (+$70k)
Q2 2024: $666k (+$31k)
Q3 2024: $706k (+$40k)
Q4 2024: $767k (+$61k)

Q1 2025: $802k (+$35k)

[J.P. MoreGains]

	2018	2019	2020	2021	2022	2023	2024	2025
January	132,155	177,349	282,110	344,002	562,144	566,920	658,932	973,806
February	138,015	188,332	290,845	360,553	550,651	603,222	685,235	976,407
March	138,469	187,634	288,022	367,222	545,172	612,629	696,088	955,333
April	148,093	197,461	257,224	387,064	575,922	616,858	701,387	-
May	158,814	194,010	276,627	398,896	547,618	618,599	700,298	-
June	161,284	186,414	299,563	407,230	541,730	644,443	717,760	-
July	160,446	196,934	304,249	418,701	527,166	660,703	749,312	-
August	168,222	267,535	318,456	520,045	577,017	656,843	745,673	-
September	184,158	268,153	324,661	527,305	561,402	658,526	763,390	-
October	189,536	271,542	317,511	520,004	545,003	647,666	964,899	-
November	184,146	283,636	323,958	552,965	554,486	632,663	943,042	-
December	182,675	287,248	341,124	542,337	581,821	658,487	997,725	-

It's good to see your history of NW to see the ups and downs. I had my first dip since i started tracking in Sep 2023 and when from 285k to 281k despite saving 7k.

It's a necessary lesson for me to learn. You've had a bunch of ups and downs in the journey and you've made great progress.

[J.P. MoreGains]

Net Worth	2019	2020	2021	2022	2023	2024	2025
January	$49,378.04	$90,928.02	$161,747.01	$229,977.41	$232,928.16	$456,779.55	$596,752.61
February	$50,300.10	$93,896.81	$162,883.32	$217,510.91	$346,856.21	$464,225.21	$618,328.79
March	$59,373.49	$100,165.23	$173,923.10	$220,602.56	$347,275.46	$490,348.72	$613,043.28
April	$59,558.47	$94,297.23	$183,031.09	$226,302.77	$358,270.55	$511,559.42	$        -
May	$64,340.45	$106,341.84	$186,124.71	$216,297.22	$363,790.59	$495,807.30	$        -
June	$64,940.28	$113,372.31	$189,866.01	$210,792.90	$370,890.90	$520,779.05	$        -
July	$70,156.02	$120,466.05	$194,364.35	$206,546.54	$400,232.03	$537,875.61	$        -
August	$74,302.64	$127,953.51	$197,286.96	$224,774.07	$417,598.48	$543,382.41	$        -
September	$74,328.43	$135,625.59	$205,953.08	$217,814.80	$413,256.55	$557,843.02	$        -
October	$78,067.76	$137,857.32	$201,884.29	$206,617.66	$400,848.50	$567,940.38	$        -
November	$81,274.16	$136,857.08	$215,701.01	$220,532.58	$392,181.17	$569,674.11	$        -
December	$88,148.59	$152,706.85	$217,143.43	$241,204.92	$435,305.59	$610,177.29	$        -
Annual gain	$41,549.98	$70,818.99	$68,230.40	$2,950.75	$223,851.39	$139,973.06	$        -

Meh.  It is what it is.

OMG the difference between 2022 and 2023! What a wild ride investing is... I better buckle up. It would be a bummer to save all year and invest and barely see the net worth move... but then you have a year like 2023!

[solon]

	2018	2019	2020	2021	2022	2023	2024	2025
January	132,155	177,349	282,110	344,002	562,144	566,920	658,932	973,806
February	138,015	188,332	290,845	360,553	550,651	603,222	685,235	976,407
March	138,469	187,634	288,022	367,222	545,172	612,629	696,088	955,333
April	148,093	197,461	257,224	387,064	575,922	616,858	701,387	-
May	158,814	194,010	276,627	398,896	547,618	618,599	700,298	-
June	161,284	186,414	299,563	407,230	541,730	644,443	717,760	-
July	160,446	196,934	304,249	418,701	527,166	660,703	749,312	-
August	168,222	267,535	318,456	520,045	577,017	656,843	745,673	-
September	184,158	268,153	324,661	527,305	561,402	658,526	763,390	-
October	189,536	271,542	317,511	520,004	545,003	647,666	964,899	-
November	184,146	283,636	323,958	552,965	554,486	632,663	943,042	-
December	182,675	287,248	341,124	542,337	581,821	658,487	997,725	-

It's good to see your history of NW to see the ups and downs. I had my first dip since i started tracking in Sep 2023 and when from 285k to 281k despite saving 7k.

It's a necessary lesson for me to learn. You've had a bunch of ups and downs in the journey and you've made great progress.

That's actually the main reason I track networth. I want to be able to see the down times and remember that everything is going to be ok. And when times are good I want to remember that won't last either. But over a long enough period of ups and downs I will get the market average, and that is better than anything else I could get.

[Sugaree]

Net Worth	2019	2020	2021	2022	2023	2024	2025
January	$49,378.04	$90,928.02	$161,747.01	$229,977.41	$232,928.16	$456,779.55	$596,752.61
February	$50,300.10	$93,896.81	$162,883.32	$217,510.91	$346,856.21	$464,225.21	$618,328.79
March	$59,373.49	$100,165.23	$173,923.10	$220,602.56	$347,275.46	$490,348.72	$613,043.28
April	$59,558.47	$94,297.23	$183,031.09	$226,302.77	$358,270.55	$511,559.42	$584,917.91
May	$64,340.45	$106,341.84	$186,124.71	$216,297.22	$363,790.59	$495,807.30	$        -
June	$64,940.28	$113,372.31	$189,866.01	$210,792.90	$370,890.90	$520,779.05	$        -
July	$70,156.02	$120,466.05	$194,364.35	$206,546.54	$400,232.03	$537,875.61	$        -
August	$74,302.64	$127,953.51	$197,286.96	$224,774.07	$417,598.48	$543,382.41	$        -
September	$74,328.43	$135,625.59	$205,953.08	$217,814.80	$413,256.55	$557,843.02	$        -
October	$78,067.76	$137,857.32	$201,884.29	$206,617.66	$400,848.50	$567,940.38	$        -
November	$81,274.16	$136,857.08	$215,701.01	$220,532.58	$392,181.17	$569,674.11	$        -
December	$88,148.59	$152,706.85	$217,143.43	$241,204.92	$435,305.59	$610,177.29	$        -
Annual gain	$41,549.98	$70,818.99	$68,230.40	$2,950.75	$223,851.39	$139,973.06	$        -

I'd actually been avoiding looking at it all month.  It's not the worst change I've seen MoM since I started tracking, but it's probably top 5.  It's kind of crazy how much of a swing I'm seeing in a month.  A couple of years ago, that would have been the equivalent of losing half a year's salary.  It's not nearly as fun as gaining a half year's salary in a month, lol. 

[midweststache]

2024 Q2 - $514K INV / $731K TNW
2024 Q3 - $556K INV / $786K TNW
2024 Q4 - $589K INV / $835K TNW

2/1 - $618K INV / $862K TNW
3/1 - $618K INV / $863K TNW

Eh, I'm not mad given *gestures around* whatever this clusterf*#k is.

4/1 - $584 INV / $830K TNW

Just keep swimming - and screaming into the void.

I'm way less worried about this down market trend than I am about the eradication of education, early childhood, museums, libraries, public broadcasting, foreign aid, scientific research and research-based healthcare, affordable housing initiatives, freedom of speech and assembly, and, you know, democracy.

[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
2022     585,889...started including the value of my PTO bank
2023     738,911
2024     891,706

March update:$914,647. Down $13,842, or 1.49%.

[tjrssibelle]

Investments only;

Dec 2016: $129.04k
Dec 2017: $196.66k
Dec 2018: $227.08k
Dec 2019: $339.51k
Dec 2020: $448.30k
Dec 2021: $579.50k
Dec 2022: $521.43k

Jan 2023: $562.03k
Feb 2023: $549.90k
May 2023: $571.35k
Jun 2023: $601.64k
Jul 2023: $622.09k
Aug 2023: $607.46k
Sep 2023: $580.53k
Oct 2023: $568.72k
Nov 2023: $622.08k
Dec 2023: $659.79k

Jan 2024: $663.00k
Feb 2024: $684.06k
Mar 2024: $703.63k
Apr 2024: $680.60k
May 2024: $709.20k
Jun 2024: $715.69k
Jul 2024: $736.42k
Aug 2024: $755.17k
Sep 2024: $771.85k
Oct 2024: $754.49k
Nov 2024: $788.37k
Dec 2024: $759.99k

Jan 2025: $787.13k
Feb 2025: $785.00k
Mar 2025: $756.80k

Sent from my SM-S938U using Tapatalk

[Em-Dog]

Down again. $1mm goal for the end of the year isn't looking in-sight right now, but I will be there soon enough. I'm still reminding myself that my 2020 projection had me at 750k at the end of this year (2025), so I'm still crushing it.

	2018	2019	2020	2021	2022	2023	2024	2025
January	$11,592	$19,461	$52,636	$117,964	$307,781	$369,828	$655,833	$895,798
February	$12,414	$28,144	$48,605	$129,160	$322,118	$407,633	$733,959	$894,346
March	$12,259	$23,011	$45,431	$135,298	$352,170	$478,568	$761,406	$853,457
April	$13,641	$25,628	$50,763	$183,963	$329,584	$486,929	$738,626	-
May	$16,646	$24,273	$55,517	$213,448	$337,156	$490,587	$774,475	-
June	$16,625	$27,726	$58,784	$247,758	$316,192	$523,455	$794,387	-
July	$17,057	$31,358	$63,678	$259,587	$349,011	$556,274	$811,261	-
August	$17,375	$30,624	$69,345	$274,737	$344,052	$584,557	$826,882	-
September	$17,380	$41,343	$69,043	$269,876	$313,714	$569,039	$845,699	-
October	$16,044	$43,732	$69,866	$294,685	$342,157	$566,124	$842,068	-
November	$16,332	$46,935	$95,120	$294,439	$364,093	$609,465	$889,584	-
December	$16,589	$51,547	$118,877	$313,367	$346,313	$637,152	$869,239	$1mm Goal

[Roks]

         

	2018	2019	2020	2021	2022	2023	2024	2025
Jan-March	85,738	123,622	136,279	283,729	391,565	413,930	588,440	-
April-June	93,359	133,844	180,632	320,910	333,632	464,534	619,822	-
July-Sep	112,276	140,745	209,539	340,278	323,848	463,615	-	-
Oct-Dec	103,325	157,203	253,216	370,826	366,378	534,872	-	-

	2018	2019	2020	2021	2022	2023	2024	2025	2026
Jan-March	85,738	123,622	136,279	283,729	391,565	413,930	588,440	693,220	-
April-June	93,359	133,844	180,632	320,910	333,632	464,534	619,822	-	-
July-Sep	112,276	140,745	209,539	340,278	323,848	463,615	682,056	-	-
Oct-Dec	103,325	157,203	253,216	370,826	366,378	534,872	729,821	-	-

[Sugaree]

Net Worth	2019	2020	2021	2022	2023	2024	2025
January	$49,378.04	$90,928.02	$161,747.01	$229,977.41	$232,928.16	$456,779.55	$596,752.61
February	$50,300.10	$93,896.81	$162,883.32	$217,510.91	$346,856.21	$464,225.21	$618,328.79
March	$59,373.49	$100,165.23	$173,923.10	$220,602.56	$347,275.46	$490,348.72	$613,043.28
April	$59,558.47	$94,297.23	$183,031.09	$226,302.77	$358,270.55	$511,559.42	$        -
May	$64,340.45	$106,341.84	$186,124.71	$216,297.22	$363,790.59	$495,807.30	$        -
June	$64,940.28	$113,372.31	$189,866.01	$210,792.90	$370,890.90	$520,779.05	$        -
July	$70,156.02	$120,466.05	$194,364.35	$206,546.54	$400,232.03	$537,875.61	$        -
August	$74,302.64	$127,953.51	$197,286.96	$224,774.07	$417,598.48	$543,382.41	$        -
September	$74,328.43	$135,625.59	$205,953.08	$217,814.80	$413,256.55	$557,843.02	$        -
October	$78,067.76	$137,857.32	$201,884.29	$206,617.66	$400,848.50	$567,940.38	$        -
November	$81,274.16	$136,857.08	$215,701.01	$220,532.58	$392,181.17	$569,674.11	$        -
December	$88,148.59	$152,706.85	$217,143.43	$241,204.92	$435,305.59	$610,177.29	$        -
Annual gain	$41,549.98	$70,818.99	$68,230.40	$2,950.75	$223,851.39	$139,973.06	$        -

Meh.  It is what it is.

OMG the difference between 2022 and 2023! What a wild ride investing is... I better buckle up. It would be a bummer to save all year and invest and barely see the net worth move... but then you have a year like 2023!

So, that situation was complicated.  My husband had a rental property that he'd gotten from his dad.  I'd never included it in my NW because...reasons.  He died in late 2022 and I sold it in early 2023 and the proceeds went into my accounts and started showing up in my NW statement.  I still kind of consider it blood money. 

[PlanetDee]

Investments Only:
12/1/23 - $513k
1/1/24 - $546k
2/1/24 - $558k
3/1/24 - $581k
4/1/24 - $596k
5/1/24 - $569k
6/1/24 - $603k
7/1/24 - $625k
8/1/24 - $641k
9/1/24 - $656k
10/2/24 - $672k
11/1/24 - $679k
12/1/24 - $721k
1/2/25 - $715k
2/1/25 - $737k
3/1/25 - $733k
4/2/25 - $713k

[J.P. MoreGains]

Down again. $1mm goal for the end of the year isn't looking in-sight right now, but I will be there soon enough. I'm still reminding myself that my 2020 projection had me at 750k at the end of this year (2025), so I'm still crushing it.

@Em-Dog What is your FIRE number? Once you get to a mil you have to be close right?

[diapasoun]

Joining in!

This is for me (38F) and my spouse (32GQ) and includes only investments and cash.

Month/Year	Investments	Cash	Total
3/2025	592784.95	85360.35	678145.3

[mountain_air]

1/1/21 - 509,888
9/1/23 - 622,897
10/1/23 - 632,463
11/1/23 - 640,088
12/1/23 - 660,761
1/1/24 - 675,394
2/1/24 - 682,854
3/1/24 - 715,335
4/1/24 - 734,141
6/1/24 - 739,828
7/1/24 - 741,359
8/1/24 - 732,300
9/1/24 - 733,951
10/1/24 - 742,776
11/1/24 - 773,916
12/1/24 - 818,622
1/1/25 - 800,641
2/1/25 - 826,228
3/1/25 - 825,400
4/1/25 - 804,031

[oneday]

Investments only

	2021	2022	2023	2024	2025
January	$326K	$491K	$516K	$682K	$895K
February	$345K	$487K	$508K	$707K	$887K
March	$362K	$509K	$527K	$734K	$845K
April	$383K	$474K	$542K	$712K	-
May	$385K	$481K	$546K	$749K	-
June	$393K	$447K	$586K	$776K	-
July	$451K	$488K	$625K	$794K	-
August	$467K	$476K	$617K	$817K	-
September	$447K	$438K	$592K	$835K	-
October	$480K	$475K	$583K	$830K	-
November	$494K	$505K	$625K	$880K	-
December	$515K	$480K	$657K	$865K	-

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

[lampstache]

Investments only

	2017	2018	2019	2020	2021	2022	2023	2024	2025
January	$34,633	$56,928	$98,248	$176,153	$419,499	$643,917	$586,257	$808,772	$1,131,515
February	$40,740	$56,241	$115,926	$182,362	$433,878	$631,440	$641,711	$828,542	$1,157,675
March	???	$57,195	$123,445	$171,868	$481,671	$612,570	$643,961	$870,233	$1,136,663
April	$41,346	$57,635	$129,678	$188,425	$503,015	$628,685	$673,394	$895,779	$988,867
May	$41,840	$66,682	$136,527	$255,004	$536,515	$583,864	$671,053	$861,136	-
June	$45,227	$71,500	$132,945	$279,130	$570,802	$566,514	$689,810	$926,752	-
July	$45,862	$75,817	$142,557	$290,173	$570,802	$546,704	$727,315	$955,569	-
August	$47,377	$85,050	$150,420	$310,173	$568,446	$587,836	$753,046	$951,196	-
September	$47,669	$87,937	$146,310	$336,875	$596,208	$556,816	$752,227	$993,478	-
October	$50,397	$94,114	$150,536	$338,532	$590,085	$526,251	$733,159	$1,020,048	-
November	$52,288	$95,502	$155,627	$332,899	$625,776	$568,125	$720,868	$1,036,408	-
December	???	$93,596	$165,458	$396,311	$611,435	$602,563	$773,792	$1,164,911	-
Annual Gain	$22,295	$41,320	$77,905	$243,346	$224,418	$-57,660	$222,515	$322,743

Looks like we're back! Just means we're buying more at a discount.

[solon]

	2018	2019	2020	2021	2022	2023	2024	2025
January	132,155	177,349	282,110	344,002	562,144	566,920	658,932	973,806
February	138,015	188,332	290,845	360,553	550,651	603,222	685,235	976,407
March	138,469	187,634	288,022	367,222	545,172	612,629	696,088	955,333
April	148,093	197,461	257,224	387,064	575,922	616,858	701,387	885,396
May	158,814	194,010	276,627	398,896	547,618	618,599	700,298	-
June	161,284	186,414	299,563	407,230	541,730	644,443	717,760	-
July	160,446	196,934	304,249	418,701	527,166	660,703	749,312	-
August	168,222	267,535	318,456	520,045	577,017	656,843	745,673	-
September	184,158	268,153	324,661	527,305	561,402	658,526	763,390	-
October	189,536	271,542	317,511	520,004	545,003	647,666	964,899	-
November	184,146	283,636	323,958	552,965	554,486	632,663	943,042	-
December	182,675	287,248	341,124	542,337	581,821	658,487	997,725	-

[J.P. MoreGains]

Investments only

	2021	2022	2023	2024	2025
January	$326K	$491K	$516K	$682K	$895K
February	$345K	$487K	$508K	$707K	$887K
March	$362K	$509K	$527K	$734K	$845K
April	$383K	$474K	$542K	$712K	-
May	$385K	$481K	$546K	$749K	-
June	$393K	$447K	$586K	$776K	-
July	$451K	$488K	$625K	$794K	-
August	$467K	$476K	$617K	$817K	-
September	$447K	$438K	$592K	$835K	-
October	$480K	$475K	$583K	$830K	-
November	$494K	$505K	$625K	$880K	-
December	$515K	$480K	$657K	$865K	-

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

@One Day Looking at your table looks like there have been a bunch of ups and downs on the journey. I was kind of wondering what the drop would look like with a big portfolio. I think you're still probably not too far from hitting your FI goal.

[oneday]

One Day Looking at your table looks like there have been a bunch of ups and downs on the journey. I was kind of wondering what the drop would look like with a big portfolio. I think you're still probably not too far from hitting your FI goal.

Totally. You can see it peaked over $500K four different times, and over $600K twice. It taught me to have an iron stomach! Well, maybe 2008 taught me that.

I hope you are right that I'm still close to goal. We'll just have to wait and see though!

[lexde]

Net Worth by End-of-Year:
2016 (start): ($27,015.16)
2017: $2,474.33
2018: $33,203.90
2019: $68,192.96
2020: $130,715.91
2021: $296,922.14
2022: $400,055.05
Current: $519,129.00

Goals Breakdown
Q4 2023: $540K
Q1 2024: $580K
Q2 2024: $620K
Q3 2024: $660K
Q4 2024: $700K
Q1 2025: $740K
Q2 2025: $780K
Q3 2025: $820K
Q4 2025: $860K
Q1 2026: $900K
Q2 2026: $940K
Q3 2026: $980K
Q4 2026: $1M

November 18, 2023: $580,473.22 as of this morning. Small market upswing plus a fairly large payment from my business deal earlier this year means I hit both my Q4 2023 and Q1 2024 goals well in advance on paper. Some of this will be taken out for taxes, but it’s been a crazy month for progress toward my goals.

December 1, 2023: $603,891.35 as of today's paycheck. Approximately $27K of this is earmarked for taxes, so I'm sitting at around $576K "true" net worth. I've reached out to my CPA to see if I can to do anything before year end to reduce that bill.

January 18, 2024: $601,752.29 as of today. This is the adjusted "true" net worth after taking out the tax account I have earmarked (currently sitting just under $45k). So I'm well on my way to my Q2 goal of $620K early, but I also have a lot of work that needs to be done around the house. I just paid for a bathroom remodel, and have a lot of other work that needs to be done (water penetration issues and remediation). Overall doing well and feeling good about the progress I'm making.

February 12, 2024: Weird mid-month update I guess. $622,698.18 adjusted "true" net worth with earmarked taxes taken out of consideration. Hit Q2 goal already, but I likely won't hang onto it for too long since I still have a LOT of work around the house to get done. I'm hoping to keep the kitchen + flooring + drywall down to ~$25K or so but we'll see. Already $23K in this year between bathroom, re-grading the lawn, and installing gutters and french drains.

March 6, 2024: $628,383.97 for now after bathroom, re-grading lawn, and installing gutters and french drains at the house. Still have more work to do, but just glad NW is still mostly holding through the spending. I'll go ahead and mark my quarterly goal as met, ahead of the curve and still waiting on some disbursements.

April 8, 2024: $704,138.33. Still doesn't really feel real, but I'm going to keep my head down and keep moving forward.

June 4, 2024: $757,837.00. Missed the May update, can't believe it's already June. Hit Q1 2025 goal. I need to adjust my goals but it's hard to keep projecting increases when I'm not really sure when the "gravy train" comes to a halt. I'm keeping my head down, working, investing, and fixing up my damaged house. Not a whole lot else going on.

July 15, 2024: $835,443.55. Got a distribution that was long overdue from my OldBoss. About $30K of this will be going toward home renovations in the next month, I have a lot of damage that needs to be fixed. I feel like there's an end in sight with the home repairs and damage, at least, which is good. I'm about a year ahead of what I projected, but like I said, I still don't know when the rug is getting pulled.

September 3, 2024: $850,387.46. I totally forgot about August apparently with everything that has been going on. Been staying with my brother, and the house is nearly done (hopefully by the end of this week). I ended up doing some additional upgrades/work (all windows and sliding glass doors replaced) so the out of pocket was higher than the $30K originally anticipated, but overall very happy with the progress and still "up" in net worth despite dropping closer to 50-60K on all of the renovations.

September 27, 2024: $875,718.11. I guess the market jumped a bit. I feel like I'm continuing the march. Now that the home repairs are (mostly) done, I'll have some breathing room. I'll need to do the windows in the front unit of my house, but overall the big spending is done. Looking at tying the knot by the end of this year and doing a honeymoon trip in lieu of a wedding, then buckling down for the next chapter.

October 2024: $878,562.26

November 2024: $929,516.21

December 2024: $913,756.71

January 2025: $917,143.11

February 2025: $888,576.78

March 2025: $857,361.64

April 8, 2025: $785,303.00. Got super close in November, but it wasn't meant to be. I stopped posting for a few months because I wasn't really checking the markets and am just trying to weather whatever *this* is.

[Em-Dog]

Down again. $1mm goal for the end of the year isn't looking in-sight right now, but I will be there soon enough. I'm still reminding myself that my 2020 projection had me at 750k at the end of this year (2025), so I'm still crushing it.

@Em-Dog What is your FIRE number? Once you get to a mil you have to be close right?

We will definitely be in a good spot once we get there. I don't know my exact number, I've just been trying to get to $1mm as "quick" as possible. I have started tracking expenses monthly so I can have an idea of my number, however we have a 2 year old and another due any day now. So costs (with childcare) are high right now, so it's hard to nail something down exactly. But we'd love to get to a spot where one of us (likely DH) can cut back or cover childcare part-time or something (financially, it isn't in our best interest right now, but we still toy with doing it anyways). I have a co-worker in her 50's who reminds me every few months to save every penny I can because when I get to be her age I'm going to want/need that flexibility, it's helpful to have a positive motivator! I have another co-worker who is gearing up for his 2 kids to enter the college years and he's been estimating the cost, and it's so variable depending on where they go (or don't go). So much to think about, but for now just focused on that $1m number!