Race from 500k to 1M!

[J.P. MoreGains]

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!

Yeah I mean it took an entire year for you to reach that mark of 500k and stay there for good. So 2022 was a year of patience i'm sure.

[CanadianTeacher]

A little late this month as I purchased my first home last month and have been really busy. I'm including the equity of my home in the networth (keeping value of home at purchase price):

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
April 2025: $649,030.90

Pretty happy with this considering I just paid a ~$17,000 tax bill, plus all the closing costs on the new place. At the end of December I sold a lot of my investments to prepare for the home purchase, and at the beginning of February, I sold the remainder of my investments as I got spooked by tariffs and wasn't sure exactly how much I wanted to put down on my place. So got really lucky avoiding the crash.

Side gig income has considerably slowed down, but I'm still on track to making a few thousand from the side gig this month. This would have been a huge amount last year, but pales in comparison to what I was making from October-February.

Now I have $230K in cash, and my problem is getting the guts to re-enter the market. If I were to lump sum today, I would have avoided a 17% decline in my portfolio, but it could always fall further. I think I will slowly dollar cost average back in, but retain cash so that I can pay off my mortgage in 3-4 years using prepayment privileges (20% lump sum each year + 20% increase in mortgage payment - might slow down on this if investing starts to look more promising)

[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	$587,017.26
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	$        -

It's....not as bad as I was expecting, so I guess that's a win. 

[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

April update:$925,549. Up $10,902, or 1.19%.

[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)
April 2025: $808,743 (total NW $1,007,621)

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

5/2 - $583 INV / $842 TNW

[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
Apr 2025: $760.67k

Sent from my SM-S938U using Tapatalk

[CanadianTeacher]

Credit card bills have been a little high as I just moved into my first home and I'm furnishing it. Glad to see I didn't dip this month. Slowly been dollar cost averaging back into the market.

I've got a $10,000 bill for an upcoming surgery that I will pay next week, so I expect to either dip or hold steady next month depending on how my online income does.

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
April 2025: $649,030.90
May 2025: $650,279.48

[J.P. MoreGains]

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

April update:$925,549. Up $10,902, or 1.19%.

This is great to see the year progress and what can happen in just over a decade. A decade of hard work goes a long ways!

This is great to see. Let's me know I'm on the right path.

[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

April update:$925,549. Up $10,902, or 1.19%.

This is great to see the year progress and what can happen in just over a decade. A decade of hard work goes a long ways!

This is great to see. Let's me know I'm on the right path.

Thank you. I've been in this thread for over 4 years, so I'm on more of a scenic cruise than a race :). I'm happyish with my work-life balance this way, so it's all good. Couldn't imagine all those years ago when I had 9k in credit card debt I'd ever be getting close to being a millionaire.

[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	956,228
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	-

[Em-Dog]

Unchanged from end of last month. Forecast has me hitting $1mm July next year now, but will wait to move the goal post until later this year. Keeping on keeping on for now.

	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	$853,865
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

[J.P. MoreGains]

Thank you. I've been in this thread for over 4 years, so I'm on more of a scenic cruise than a race :). I'm happyish with my work-life balance this way, so it's all good. Couldn't imagine all those years ago when I had 9k in credit card debt I'd ever be getting close to being a millionaire.

@SpareChange Interesting... now I see you have been in this for 4 years. Still a nice scenic cruise given how big the numbers are. This is my favorite race to watch since I can see all the years of progress and work. It's just numbers in a table but there is a whole story behind that. Like your case of being in credit card debt to being close to that mil mark! That will be a great day to celebrate.

Is a mil your finish line? Or are you planning to go beyond that?

[SpareChange]

Thank you. I've been in this thread for over 4 years, so I'm on more of a scenic cruise than a race :). I'm happyish with my work-life balance this way, so it's all good. Couldn't imagine all those years ago when I had 9k in credit card debt I'd ever be getting close to being a millionaire.

@SpareChange Interesting... now I see you have been in this for 4 years. Still a nice scenic cruise given how big the numbers are. This is my favorite race to watch since I can see all the years of progress and work. It's just numbers in a table but there is a whole story behind that. Like your case of being in credit card debt to being close to that mil mark! That will be a great day to celebrate.

Is a mil your finish line? Or are you planning to go beyond that?

I have no particular number in mind at this point. I passed what I consider to be FI territory just over a year ago. I'm a bit SWAMI. I'm in a good career, like my dept a lot, feel respected and valued, and make decent money. Being PT with benefits and a huge PTO bank, I've generally been successful in turning my job into what mostly feels like a paid hobby. It's nice to be able to pull the ripcord at any time though. :)

What's your game plan JP?

[J.P. MoreGains]

I have no particular number in mind at this point. I passed what I consider to be FI territory just over a year ago. I'm a bit SWAMI. I'm in a good career, like my dept a lot, feel respected and valued, and make decent money. Being PT with benefits and a huge PTO bank, I've generally been successful in turning my job into what mostly feels like a paid hobby. It's nice to be able to pull the ripcord at any time though. :)

What's your game plan JP?

That's a good place to be at... technically FI but able to keep working because you like it and can contribute.

My game plan is in the short term to work multiple jobs to try to get to 400k in about a year if the market holds up. Beyond that I kind of feel for a guy like me if I get to 600 or 700k about about coast FI or pretty close to done and could take a sabbatical or something.

I could see myself doing what you are doing... I have to say I like my current job and could see myself working post FI. The main thing I really want is to be fully remote so I can live where I want - including overseas. If I get that I won't be in such a hurry to save as much as possible and work multiple jobs. So the remote work is becoming more important to me than making more money. So I think when I'm up for promotion to a mid level software dev where I'm at now I'm going to ask for remote and turn down more money.

I guess that would be the plan.

[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
5/14/25 - $751k

[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 $528,668.86
  Apr $ 585,842.87
  May $
  Jun $
  Jul  $
  Aug $
  Sep $
  Oct $
  Nov $
  Dec $

Catching up after 3 month hiatus on posting.  Halfway through May things are looking up.   Part of which was a sizeable (for me) contribution.  I am still not back to Nov. peak, but still happy for continued progress.

[SpareChange]

I have no particular number in mind at this point. I passed what I consider to be FI territory just over a year ago. I'm a bit SWAMI. I'm in a good career, like my dept a lot, feel respected and valued, and make decent money. Being PT with benefits and a huge PTO bank, I've generally been successful in turning my job into what mostly feels like a paid hobby. It's nice to be able to pull the ripcord at any time though. :)

What's your game plan JP?

That's a good place to be at... technically FI but able to keep working because you like it and can contribute.

My game plan is in the short term to work multiple jobs to try to get to 400k in about a year if the market holds up. Beyond that I kind of feel for a guy like me if I get to 600 or 700k about about coast FI or pretty close to done and could take a sabbatical or something.

I could see myself doing what you are doing... I have to say I like my current job and could see myself working post FI. The main thing I really want is to be fully remote so I can live where I want - including overseas. If I get that I won't be in such a hurry to save as much as possible and work multiple jobs. So the remote work is becoming more important to me than making more money. So I think when I'm up for promotion to a mid level software dev where I'm at now I'm going to ask for remote and turn down more money.

I guess that would be the plan.

Not a bad plan. And I might be jealous if you go remote. :). Not an option in my career.

[SpareChange]

Catching up after 3 month hiatus on posting.  Halfway through May things are looking up.   Part of which was a sizeable (for me) contribution.  I am still not back to Nov. peak, but still happy for continued progress.

You're not the only one playing hooky recently. Apparently, some of our birds migrate elsewhere for the winter... :P

[mountain_air]

Super late check in

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
5/1/25 - 840,443

[CanadianTeacher]

Reporting early, as I have a surgery scheduled for the beginning of June and will probably be too focused on that to do the update. With the surgery comes extra costs, plus no salary for 3 months, and I have instalments starting on my taxes come September. If my side gig income maintains, I may be able to maintain where I'm at until September.

I'm continuing to dollar cost averaging back into the market as well, after withdrawing everything prior to my house purchase.

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
April 2025: $649,030.90
May 2025: $650,279.48
June 2025: $669,254.04

[SpareChange]

Reporting early, as I have a surgery scheduled for the beginning of June and will probably be too focused on that to do the update. With the surgery comes extra costs, plus no salary for 3 months, and I have instalments starting on my taxes come September. If my side gig income maintains, I may be able to maintain where I'm at until September.

I'm continuing to dollar cost averaging back into the market as well, after withdrawing everything prior to my house purchase.

Good luck! Hope your surgery goes well.

[lcmac32]

I have no particular number in mind at this point. I passed what I consider to be FI territory just over a year ago. I'm a bit SWAMI. I'm in a good career, like my dept a lot, feel respected and valued, and make decent money. Being PT with benefits and a huge PTO bank, I've generally been successful in turning my job into what mostly feels like a paid hobby. It's nice to be able to pull the ripcord at any time though. :)

What's your game plan JP?

That's a good place to be at... technically FI but able to keep working because you like it and can contribute.

My game plan is in the short term to work multiple jobs to try to get to 400k in about a year if the market holds up. Beyond that I kind of feel for a guy like me if I get to 600 or 700k about about coast FI or pretty close to done and could take a sabbatical or something.

I could see myself doing what you are doing... I have to say I like my current job and could see myself working post FI. The main thing I really want is to be fully remote so I can live where I want - including overseas. If I get that I won't be in such a hurry to save as much as possible and work multiple jobs. So the remote work is becoming more important to me than making more money. So I think when I'm up for promotion to a mid level software dev where I'm at now I'm going to ask for remote and turn down more money.

I guess that would be the plan.

JP what set up are you going to create in your mobile agile minimalist home to be able to work remotely?  Putting a nice rig in there might be challenging.  I guess there are always nice parks and with Starlink you could work anywhere on a nice laptop.  I have seen a Sprinter Van or two that would make an ideal mobile mr. money mustache II machine.  As always, cheering on your incredible drive to get there!

[J.P. MoreGains]

@lcmac32

If I could get the fully remote work I think I would have an apartment/condo/house overseas in Asia or possibly Latin America. It would be fairly modest and affordable and this would be "home".

I would also go stay with my parents for 3 months out of the year to get a lot of time with them. I'd have an office in my bedroom I grew up in and stay there.

I have thought about the mobile on wheels set up with starlink... I would definitely need to get a van of some sort to have a desk and a wide screen monitor.

But... If I have the assets I want and the remote work I want I think I would rather just live overseas and then on my vacation time do some overlanding in a Toyota 4 Runner or something and not work and live out of a vehicle.

The vehicle living is okay and I've adapted... it's already been a year. But I don't think I want to do this full time when I really have a lot of money.

Guess we'll see though

[lcmac32]

@lcmac32

If I could get the fully remote work I think I would have an apartment/condo/house overseas in Asia or possibly Latin America. It would be fairly modest and affordable and this would be "home".

I would also go stay with my parents for 3 months out of the year to get a lot of time with them. I'd have an office in my bedroom I grew up in and stay there.

I have thought about the mobile on wheels set up with starlink... I would definitely need to get a van of some sort to have a desk and a wide screen monitor.

But... If I have the assets I want and the remote work I want I think I would rather just live overseas and then on my vacation time do some overlanding in a Toyota 4 Runner or something and not work and live out of a vehicle.

The vehicle living is okay and I've adapted... it's already been a year. But I don't think I want to do this full time when I really have a lot of money.

Guess we'll see though

@J.P. MoreGains - Here is someone who has the rig you could use https://www.youtube.com/c/TTTHEFINEPRINTTT

Another option could be side gig caregiving overseas.  In New Zealand, I have an elderly relative who is being cared for by a brother-in-law (not a ton of work - a little cleaning, grocery shopping, occasional dr.'s appt., but at least some contact everyday) and he gets paid for it.  If you could get that arrangement and live in, you have the side gig + room and maybe some board.   Just another option on the many ways to make it happen.  I am sure there are other ways as well such as teach English in Korea and arrange remote tech work around that.  I am sure being single helps with the ease with which to do it.  (side note - I highly recommend marriage and kids, it has all been worth it (with some confirmation bias on my part).

[J.P. MoreGains]

lcmac... gonna mention you from my journal so we don't hijack this race thread. I want to follow up on some of these points and continue this conversations.

[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)
April 2025: $808,743 (total NW $1,007,621)
May 2025: $853,229 (total NW $1,048,228)

[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
4/2025	503935.92	150669.61	654605.53
5/2025	567723.06	151338.64	719061.7

[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

May update:$968,562. Up $43,013, or 4.65%.

Spent: $1,714.04
Invested: $4,602.68
Added approx 6.25/mon to SS at 70.

Looking forward to all the awesome updates this month!

[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
Apr 2025: $760.67k
May 2025: $798.39k

Sent from my SM-S938U using Tapatalk

[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
4/1 - $584 INV / $830K TNW
5/2 - $583 INV / $842 TNW

6/1 - $610 INV / $867 TNW

[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	$587,017.26
June	$64,940.28	$113,372.31	$189,866.01	$210,792.90	$370,890.90	$520,779.05	$625,554.41
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	$        -

[J.P. MoreGains]

@solon Did you cross the 1 million mark? Hoping you did!

[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
5/14/25 - $751k
6/2/25 - $756k

[solon]

@solon Did you cross the 1 million mark? Hoping you did!

Tune in Thursday! My networth day is the 5th of every month.

And thanks for thinking of me!

[ardrum]

1/1/2016 - $2,000
1/1/2017 - $31,938
1/1/2018 - $92,724
1/1/2019 - $127,801
1/1/2020 - $224,167
1/1/2021 - $301,280
1/1/2022 - $422,315
1/1/2023 - $379,108
____________________
1/1/2024 - $508,248 (first reached $500k NW)
2/1/2024 - $506,684
3/1/2024 - $517,903
4/1/2024 - $544,713
5/1/2024 - $517,903
6/1/2024 - $544,713
7/1/2024 - $543,501
8/1/2024 - $585,662
9/1/2024 - $603,884
10/1/2024 - $618,989
11/1/2024 - $610,209
12/1/2024 - $647,741
1/1/2025 - $619,556
2/1/2025 - $639,830
3/1/2525 - $640,327
4/1/2025 - $637,743
5/1/2025 - $632,336
6/1/2025 - $659,581

[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 $528,668.86
  Apr $585,842.87
  May $620,247.13

Some gains back from my ATH of ~$650k.  Would like to get north of $700k by EOY. 
 

[J.P. MoreGains]

Some gains back from my ATH of ~$650k.  Would like to get north of $700k by EOY. 
 

Hoping you get there!

[solon]

	2017	2018	2019	2020	2021	2022	2023	2024	2025
January	88,615	132,155	177,349	282,110	344,002	562,144	566,920	658,932	973,806
February	88,660	138,015	188,332	290,845	360,553	550,651	603,222	685,235	976,407
March	99,298	138,469	187,634	288,022	367,222	545,172	612,629	696,088	955,333
April	103,578	148,093	197,461	257,224	387,064	575,922	616,858	701,387	885,396
May	107,174	158,814	194,010	276,627	398,896	547,618	618,599	700,298	956,228
June	113,684	161,284	186,414	299,563	407,230	541,730	644,443	717,760	992,587
July	114,171	160,446	196,934	304,249	418,701	527,166	660,703	749,312	-
August	117,825	168,222	267,535	318,456	520,045	577,017	656,843	745,673	-
September	120,714	184,158	268,153	324,661	527,305	561,402	658,526	763,390	-
October	123,290	189,536	271,542	317,511	520,004	545,003	647,666	964,899	-
November	129,261	184,146	283,636	323,958	552,965	554,486	632,663	943,042	-
December	125,655	182,675	287,248	341,124	542,337	581,821	658,487	997,725	-

Added 2017. That was the year I first set a networth goal. Soon I'll have 10 years worth of data and I'm anxious to see what 10 years will bring.

[J.P. MoreGains]

	2017	2018	2019	2020	2021	2022	2023	2024	2025
January	88,615	132,155	177,349	282,110	344,002	562,144	566,920	658,932	973,806
February	88,660	138,015	188,332	290,845	360,553	550,651	603,222	685,235	976,407
March	99,298	138,469	187,634	288,022	367,222	545,172	612,629	696,088	955,333
April	103,578	148,093	197,461	257,224	387,064	575,922	616,858	701,387	885,396
May	107,174	158,814	194,010	276,627	398,896	547,618	618,599	700,298	956,228
June	113,684	161,284	186,414	299,563	407,230	541,730	644,443	717,760	992,587
July	114,171	160,446	196,934	304,249	418,701	527,166	660,703	749,312	-
August	117,825	168,222	267,535	318,456	520,045	577,017	656,843	745,673	-
September	120,714	184,158	268,153	324,661	527,305	561,402	658,526	763,390	-
October	123,290	189,536	271,542	317,511	520,004	545,003	647,666	964,899	-
November	129,261	184,146	283,636	323,958	552,965	554,486	632,663	943,042	-
December	125,655	182,675	287,248	341,124	542,337	581,821	658,487	997,725	-

Added 2017. That was the year I first set a networth goal. Soon I'll have 10 years worth of data and I'm anxious to see what 10 years will bring.

Almost made it to a mil... so much suspense! Hope you are planning a nice way to celebrate once you reach that milestone

[J.P. MoreGains]

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

@CanadianTeacher What did you do in 2024!? How much new money were you investing each month? What a great year.

Are you really a teacher?

[lcmac32]

	2017	2018	2019	2020	2021	2022	2023	2024	2025
January	88,615	132,155	177,349	282,110	344,002	562,144	566,920	658,932	973,806
February	88,660	138,015	188,332	290,845	360,553	550,651	603,222	685,235	976,407
March	99,298	138,469	187,634	288,022	367,222	545,172	612,629	696,088	955,333
April	103,578	148,093	197,461	257,224	387,064	575,922	616,858	701,387	885,396
May	107,174	158,814	194,010	276,627	398,896	547,618	618,599	700,298	956,228
June	113,684	161,284	186,414	299,563	407,230	541,730	644,443	717,760	992,587
July	114,171	160,446	196,934	304,249	418,701	527,166	660,703	749,312	-
August	117,825	168,222	267,535	318,456	520,045	577,017	656,843	745,673	-
September	120,714	184,158	268,153	324,661	527,305	561,402	658,526	763,390	-
October	123,290	189,536	271,542	317,511	520,004	545,003	647,666	964,899	-
November	129,261	184,146	283,636	323,958	552,965	554,486	632,663	943,042	-
December	125,655	182,675	287,248	341,124	542,337	581,821	658,487	997,725	-

Added 2017. That was the year I first set a networth goal. Soon I'll have 10 years worth of data and I'm anxious to see what 10 years will bring.

@solon - If you don't mind sharing, what created the big jump in late -2024.  House sale; inheritance, deft stock play, etc.  In any event, I would love to make that kind of jump in the next year or two as well.  Well done!

[solon]

	2017	2018	2019	2020	2021	2022	2023	2024	2025
January	88,615	132,155	177,349	282,110	344,002	562,144	566,920	658,932	973,806
February	88,660	138,015	188,332	290,845	360,553	550,651	603,222	685,235	976,407
March	99,298	138,469	187,634	288,022	367,222	545,172	612,629	696,088	955,333
April	103,578	148,093	197,461	257,224	387,064	575,922	616,858	701,387	885,396
May	107,174	158,814	194,010	276,627	398,896	547,618	618,599	700,298	956,228
June	113,684	161,284	186,414	299,563	407,230	541,730	644,443	717,760	992,587
July	114,171	160,446	196,934	304,249	418,701	527,166	660,703	749,312	-
August	117,825	168,222	267,535	318,456	520,045	577,017	656,843	745,673	-
September	120,714	184,158	268,153	324,661	527,305	561,402	658,526	763,390	-
October	123,290	189,536	271,542	317,511	520,004	545,003	647,666	964,899	-
November	129,261	184,146	283,636	323,958	552,965	554,486	632,663	943,042	-
December	125,655	182,675	287,248	341,124	542,337	581,821	658,487	997,725	-

Added 2017. That was the year I first set a networth goal. Soon I'll have 10 years worth of data and I'm anxious to see what 10 years will bring.

@solon - If you don't mind sharing, what created the big jump in late -2024.  House sale; inheritance, deft stock play, etc.  In any event, I would love to make that kind of jump in the next year or two as well.  Well done!

I inherited a house and sold it - made $170k. The rest was market gains and new contributions.

I used to be a little bit envious of people who got an inheritance. Now that I've been through it, I can honestly say I don't recommend it.

[J.P. MoreGains]

I used to be a little bit envious of people who got an inheritance. Now that I've been through it, I can honestly say I don't recommend it.

I kind of think it's okay if you have also gone out into the world and earned some money and made it on your own and understand the value of a buck.

When I first moved out to California after I graduated from college I lived with my Mom's uncle who never had kids, his wife had passed, and he was SUPER frugal because he grew up in the depression. He never owned a car, never bought things in general but was one of the greatest men I've ever known. Anyway he grew up in San Diego near the beach pre war and owned property. He retired from the Navy in the 60s and kept working through the 80s. He had to have been worth a couple to several mil...

Point is that let's say that if he were to have given me money it would've ruined me. I was a knucklehead when I was younger. It's better that I stayed broke and have had to work my way out of my problem now in my 40s. It's forced me to grow up, delay gratification, work hard, make sacrifices, etc. This journey is about a lot more than the money.

Back to the topic of California... I have a friend that just passed away in his mid 60s. He was from one of the founding families out in California that have geographic things on maps named after them. He inherited a bunch of property when his mom died say 5-10 years ago. He just died which his sad so it is all going to a trust to his son in his early 20s... My other friend and I talk about this and about how dangerous a situation this is. The kid will never have to work and make it since he has a trust and gets paid a lot yearly.

For some people they can handle this... for others they can't. So who knows how it would turn out.

But... having to work and build your own finances and retirement builds a lot of character I think. As crazy as it sounds I'm glad I don't just have a ton of money without working for it. After I hit FI I'll know I'll have earned it.

[lcmac32]

I used to be a little bit envious of people who got an inheritance. Now that I've been through it, I can honestly say I don't recommend it.

I kind of think it's okay if you have also gone out into the world and earned some money and made it on your own and understand the value of a buck.

When I first moved out to California after I graduated from college I lived with my Mom's uncle who never had kids, his wife had passed, and he was SUPER frugal because he grew up in the depression. He never owned a car, never bought things in general but was one of the greatest men I've ever known. Anyway he grew up in San Diego near the beach pre war and owned property. He retired from the Navy in the 60s and kept working through the 80s. He had to have been worth a couple to several mil...

Point is that let's say that if he were to have given me money it would've ruined me. I was a knucklehead when I was younger. It's better that I stayed broke and have had to work my way out of my problem now in my 40s. It's forced me to grow up, delay gratification, work hard, make sacrifices, etc. This journey is about a lot more than the money.

Back to the topic of California... I have a friend that just passed away in his mid 60s. He was from one of the founding families out in California that have geographic things on maps named after them. He inherited a bunch of property when his mom died say 5-10 years ago. He just died which his sad so it is all going to a trust to his son in his early 20s... My other friend and I talk about this and about how dangerous a situation this is. The kid will never have to work and make it since he has a trust and gets paid a lot yearly.

For some people they can handle this... for others they can't. So who knows how it would turn out.

But... having to work and build your own finances and retirement builds a lot of character I think. As crazy as it sounds I'm glad I don't just have a ton of money without working for it. After I hit FI I'll know I'll have earned it.

@solon and @J.P. MoreGains - Thanks for both responses.  I do agree it is not good to receive the money at an age where one is not yet responsible enough for it.  Too much money too soon can ruin people.  My youngest son, made $500k one year as a 22 year old.  He worked hard for it, but paid a price too.  Also, he got the idea that money is easy to come by and was not as frugal as he was taught by his parents.  Fortunately, he still has a lot put back (for someone his age).  I literally told him to invest in all and live poor now.  He just wouldn't listen.  Eventually, I had an epiphany for him.  Go ahead and get those toys you want.  You need to get this out of your system, learn the lesson sooner rather than later, that money doesn't grow on trees.  He is now in the desert of money making (he has a political canvassing company).  He is now back in university and working retail.  He may get another canvassing contract in 2026, but now has a greater appreciation and says he will buy a house cash if he makes it like that again. 

I think that inheriting something as an older person from your parents is not bad.  It is a legacy of a life usually well spent that leaves a surplus to children.  I have told my own mother on many occasions to spend her money now before she goes and she has done some of that.  A Disney cruise with my family was one of them, and she said she was so glad she did that.  She still talks about it.  I have found it is best to plan for your own FIRE and focus on what you can do.  If some windfall comes later, I for one will be grateful.  I think usually the older children of parents that have a inheritance to give to them, are usually well on there way to FIRE b/c the habits and patterns of the parents do at some level get passed on.

[J.P. MoreGains]

Thanks for both responses.  I do agree it is not good to receive the money at an age where one is not yet responsible enough for it.  Too much money too soon can ruin people.  My youngest son, made $500k one year as a 22 year old.  He worked hard for it, but paid a price too.  Also, he got the idea that money is easy to come by and was not as frugal as he was taught by his parents.  Fortunately, he still has a lot put back (for someone his age).  I literally told him to invest in all and live poor now.  He just wouldn't listen.  Eventually, I had an epiphany for him.  Go ahead and get those toys you want.  You need to get this out of your system, learn the lesson sooner rather than later, that money doesn't grow on trees.  He is now in the desert of money making (he has a political canvassing company).  He is now back in university and working retail.  He may get another canvassing contract in 2026, but now has a greater appreciation and says he will buy a house cash if he makes it like that again. 

Wow this is incredible! 500k at 22! I bet when he earns a lot more he'll save and buy that house. Sounds like he'll be very successful and just fine.