Share your networth progression.

[techcrium]

I will start:

Year Age Networth Notes
2011 23 $40,000 Still in college
2012 24 $50,000 First job out of school earning $42K, $50k saved from working throughout high school/college
2013 25 $100,000 Stock market advances
2014 26 $150,000 $46K salary
2015 27 $230,000 $53K salary
2016 28 $320,000 $57K salary


Notes:
-Networth grew very quickly because of high savings rate + rapid market advances + aggressive investment style
-Hoping to be semi independent by 35, and totally independent by 40

[NESailor]

Nice going - you are CRUSHING it! 

I don't have my figures and never bothered to check - I'd rather not as my asset allocation during this great bull market was totally wrong (due to ignorance, mostly).  I started with a net worth of maybe $3K out of college (but positive!:)))))   250 now, 9.3 years later.

[Cwadda]

Year Age Networth  Notes
2012 18 $-10,000   Started college
2013 19 $0            Found a part-time job that lasted all throughout college
2014 20 $20,000    Part-time job plus worked 60-70 hrs/week in summer
2015 21 $30,000    Part-time job
2016 22 $40,000    Graduated, $44k salary
2017 23 $55,000    Buying house

[marielle]

Started my first job last August, a few months after graduation.



February was when I got my tax return and immediately funded my 2016 Roth (thanks American Opportunity Tax Credit!).

[economist]

Estimates. I took on too much debt to go to a small private college and got a job that wasn't great right out of college. Since then I have managed to increase my salary significantly, pay down most of my student loans, and build up a bunch of money in 401ks, HSAs, and a Roth IRA.

Year Age Networth  Salary        Notes
2013 22 -$40,000   $34,000     Graduated in May 2013 with around 40k in student loans.
2014 23 -$20,000   $40,000     Bit of a guess, got promoted in Aug 2014 and got better bonuses.
2015 24  $10,000   $48,000     Did very well with bonuses in 2015, passed $0 net worth this year.
2016 25  $40,000   $50,000     New job 50k salary, got paid by both jobs for 1.5 months so might actually be a bit higher.
2017 26  $60,000   $50,000     Current situation, net worth growing steadily by $25-30k per year.

[BTDretire]

I'm afraid I'd come off as bragging.
But, I'll relate a little info.
Also I'm older than most, so I have my stache.
From 1-1-11 to 1-11-17 my NW increased
on average $146,500 each year. About 1/3 savings
and 2/3 market return.
  I didn't vote for him but the Obama years were
good to me.

[VolcanicArts]

2010: finished school -150k loans 30 k saved
2011: -130 k loans 40 k saved
2012: -90 k loans same savings
2013: -60 k loans 50 k saved
2014: -30 k loans 70 k saved
2015: no loans 70 k saved
2016: hit over 100 k NW
Today: close to 180 k in market and 15 k equity in house
Oil crash around 2014 really screwed me, but back on track now, my next goal is 250k in investments

[Sarah Saverdink]

Wasn't tracking until 2010. Household net worth is for two adults.

2006: I started working
2008: Husband started working

2010: $265k net worth
2012: $477k net worth
2014: $763k net worth
2016: $1.05M net worth at age 32

[lost_in_the_endless_aisle]

2005: $20K (depression year 1, dropped out of grad school, had saved much of my TA stipend)
2006: $10K (depression year 2)
2007: ~$0 (depression, year 3--uh-oh, but I got a job)
2008: $20K
2009: $50K
2010: $80K
2011: $110K
2012: $150K
2013: $200K
2014: $250K
2015: $310K
2016: $370K
Now: $450K

[BTDretire]

Wasn't tracking until 2010. Household net worth is for two adults.

2006: I started working
2008: Husband started working

2010: $265k net worth
2012: $477k net worth
2014: $763k net worth
2016: $1.05M net worth at age 32

WoW, Sarah Saver, that is impressive. I suspect you both had some pretty high income jobs.
Do you have any thoughts about RE?
What NW are you striving for?

[Sarah Saverdink]

Wasn't tracking until 2010. Household net worth is for two adults.

2006: I started working
2008: Husband started working

2010: $265k net worth
2012: $477k net worth
2014: $763k net worth
2016: $1.05M net worth at age 32

WoW, Sarah Saver, that is impressive. I suspect you both had some pretty high income jobs.
Do you have any thoughts about RE?
What NW are you striving for?

We're both engineers and started at $65k/year salaries - which is certainly a very good salary ($130k HHI in 2008), but not super high-income (ie lawyer, doctor, investment banking, etc). We didn't hit 6-figure incomes at our respective jobs until 2015. With the recent growth in salaries for both of us, we're now saving over 50% of our take-home pay.

I actually just posted a summary of the major factors that helped us save so much over the first 10 years of our careers if you are interested (plus the blog has details on our monthly budget and spending): http://www.saverdinks.com/blog/saverdinks-saved-1m-by-age-32/

We're targeting a NW of $3M and hope to achieve that within the next 10 years to retire in our early/mid-40s. We love to travel and enjoy a number of outdoor activities (skiing and scuba diving being the most expensive), which means we're targeting a much higher NW than many on this site. I really like the community here and have learned some really good tips for keeping our lifestyle in check even though we're not 'typical' mustachians.

[khangaroo]

I'm afraid I'd come off as bragging.

What I've learned from this website is it's not bragging because we're all here to share and learn from financial successes. Also, there is ALWAYS someone who is doing it "better" on here lol just be sure not to compare yourself to others and just enjoy and take pride in your own journey. I would assume most of us don't have avenues to share this kind of information without seeming, like you said, a braggart.

Also, there are great net worth "races" on the other forum pages that this would fit better with but for a quick summary, I started tracking my NW in August of last year at $117k and now I'm at $165k.

[BTDretire]

I'm afraid I'd come off as bragging.

What I've learned from this website is it's not bragging because we're all here to share and learn from financial successes. Also, there is ALWAYS someone who is doing it "better" on here lol just be sure not to compare yourself to others and just enjoy and take pride in your own journey. I would assume most of us don't have avenues to share this kind of information without seeming, like you said, a braggart.

 I guess a I as a little shy about it, I very recently made a post on an investment chat page, that I was back in the green on a stock that had made a rather large drop and then rose again. Someone who was still at a deficit
took my post wrong and made some nasty posts, then others started attacking him. I suggested people ease up, maybe the poster didn't sleep well and was just having a bad day. After a couple more negative posts it settled down.

[Gone_Hiking]

Not the networth, but  progress of my 401(k)/403(b)/IRA.  I'm almost waxing nostalgic here.

I started the first real full-time job after grad school in October 1998.  Back in those good old days, new hires were not allowed to contribute to 401(k) accounts until the first year of employment.   I'm curious whether this restriction persists; neither I nor DH have seen in our jobs it over the last 10 years.

1998   0   
1999   $635.06   
2000   $4,035.17   Y2K bug hits - negative market returns during years 2000 - 2002
2001   $7,534.65   
2002   $10,538.57   
2003   $21,760.08   
2004   $32,666.94   
2005   $42,836.80
2006   $59,907.48   
2007   $74,790.25   
2008   $53,396.06   The Great Recession starts
2009   $81,181.12   
2010   $101,233.40   
2011   $104,486.40   
2012   $133,883.74   
2013   $194,123.11   
2014   $249,516.35   
2015   $253,437.11   
2016   $306,313.84   

[MDM]

Year Age Networth Notes
2014 26 $150,000 $46K salary
2015 27 $230,000 $53K salary

-Networth grew very quickly because of high savings rate + rapid market advances + aggressive investment style

Congratulations on winning the individual stock picker's lottery.  At least, that seems a reasonable guess at what happened.  E.g., looking at overall market results in 2015 (see Callan periodic table of investment returns - Bogleheads) the best one would have done with a broad index was ~5%.

If 2015 expenses were $18K then getting from $150K to $230K required a return of (80 - 35) / (150 + 35/2) = 27%.  Doable with hindsight on any number of individual stocks, as shown in The 10 Best Stocks in the S&P 500 in 2015.  If only those articles would come out a year earlier.... ;)

[inline five]

My 2016 total return across all investment accounts was ~50% IIRC

[SpareChange]

Year    Networth     Income
2011    -50k            13,078
2012    -41k            37,783
2013    -10k            60,970
2014     33,726        74,018
2015     90,497        89,449
2016     146,590      84,464

[eddie]

2000 18yo - $0
2001-2006 Saved up around $40k in mutual finds & stocks while going to college and being in the Marine Corps Reserves.  Pretty much all my income was from the military. 5 months of Boot Camp and School of Infantry (2001) and 3 activations/deployments.  I was invested in a couple actively managed mutual funds.  The early 2000s were not a great time to be investing.
2004 22yo - $13k income
2005 23yo - $19k income
2006 24yo - $22k income - Started working a full-time job.  Same retail job I started part-time in 2004.
2007 25yo - $26k income - Finally graduated college with  B.S. in Finance but continue working my full-time retail job and volunteer coaching because I like it and I have $0 debt.  Very low savings rate at this time.
2008 26yo - $30k income - Bought a $58k condo this year with a 3% down payment.  In retrospect not a great decision.
2009 27yo - $35k income - I think I was putting 15% of my income into retirement at this point.
2010 28yo - $50k income - Probably 15% savings rate.
2011 29yo - $45k income - I got married in December of this year. Still probably 15% savings rate.  Paid cash for the ring and honeymoon.  We completely combine our finances.
2012 30yo - $50k income, wife made $79k = $130k total.  My goal throughout my 20s was to have a $100k net worth by age 30 which I barely would have gotten had I stayed single.  My wife had a negative net worth when we got married.  She had some retirement assets and a little home equity but she also had a large student loan, probably around $60-70k at this time.  She had over $100k in loans from her masters when she graduated a few years earlier.  I talk my wife into letting me open a side retail business 2+ hours away.  It ends up being a horrible decision as it bleeds us out of about $55k over the next 18 months.  We have a very minimal savings rate.
2013 31yo $94k net worth Jan 1. - $53k (me) + $86k (wife) = $139k total income.  Life is very stressful as the business is bleeding us dry.  No travel, very minimal savings, we tithe 10% the whole time though, my wife moves half way across the country to do a 1 year residency program and tells me she wants the business mess cleaned up by the time she gets back.  Life is very stressful, lots of sleepless nights.  Close the side retail business in Dec.
2014 32yo $163k NW - $55k (me) + $77k (wife) = $126k total income.  We've cut our expenses to the bone, put her student loans on interest only payments during her residency.  Once a month I fly to see her or she flies home for a weekend while she is in residency.  We pay off the business debt and get retirement savings back up to 15%.  My wife finishes her residency near the end of the year and gets a very healthy bump in pay.  Life is getting better.
2015 33yo $230k NW - $62k (me) + $144k (wife) = $207k total income.  I never thought I would see this much income in my entire life.  We are kind of living the high life.  Not completely out of control, but we take a couple international trips, contribute 15% to retirement, buy a brand new $40k car for my wife with $15k down, $25k loan.  Start trying to have a baby.
2016 34yo $295k NW - $72k (me) + $135k (wife) = $207 total income.  We feel like we aren't making as much progress financially as we should given the $ we make.  In April we start doing written budgets and start using the cash envelope system.  No big trips this year, we have a baby in August.  We pay off my old condo which has been a rental since we got married.  By the end of the year the only debt we have is our home, $25k of student loans, and about $12k on a car.  We have a 49% savings rate.  I count debt principal reduction and investment contributions as savings.  We tithe 10%, taxes are 21%, so we live on 30% of our income.  I'm starting to feel much more in control.
2017 35yo $414k NW Jan 1, up to $480k in now (May).  We'll probably make around $190k combined this year as we have both cut back to 40ish hours per week at work so we only need a sitter 1 day a week.  No big travel plans.  We paid off my wife's car and should be able to pay off her student loans by the end of the year.  We set a goal to be worth $1M by age 40 and then both cut back to part-time work.  We'll see, my wife has the gift of worrying.  She brings up the cost of health insurance every time I talk about both of us cutting back to part-time.

[bigchrisb]

My experience is that net worth progression while accumulating behaves quite exponentially.  With a 60% saving rate on a solid income, it took me two years to get to zero, and then another two to get to +100k.  After that, a combination of leverage to stocks (effectively 200% stocks), income progression and flat expenses (increasing savings rate) saw it head upwards quickly. A boom in Australian house prices hasn't hurt either.

I'm now sitting at a bit under $3m and the monthly gyrations from the market are often far larger than my income.  It means that month to month, net worth becomes a less useful metric to monitor.

[meatface]

Started hitting it hard in 2013 when wife and I were finally BOTH gainfully employed. I had already been saving for a while.
Discovered MMM in ~2014/15.

2013: 290
2014: 375
2015: 454
2016: 542
2017: 705

We've benefited from the market going up a lot over these years. I don't expect that to last forever.
Aiming for ~$1.8M in today's dollars.

We save maybe 40% of gross income. I'd like to save more, but it's about the most I can convince wifey to agree to. She likes her career and isn't worried about money in general, so we've got that going for us. I will probably start my own business within the next 1-2 years, so I'll have that going for me (though far lower income) and will finally have a job I like. The upshot is we will save less dollars per year in the future once I'm done with my current job, but there will also be an opportunity to lower our spending in a few years, too. So we'll see what happens.

We also have one toddler and will soon add a second kid.

[skip207]

I started full time work in 1997.  I would say from 97 to about 07 my NW was always in the -ve.
I spent a lot but had fun doing it.  Don't get me wrong I never lived above my means and my biggest debt would have been my mortgage.
Most of my spare money went on travel and generally having fun.  Once I got into my 30s I settled and started to save and overpay the house.
Since then my NW has started to slowly climb and I try not to spend too much and if I do I generally try and get best value.

[Apocalyptica602]

Guess when I bought my house? Lol.

Started tracking in early 2012. ~$-12k networth to + $475k now in a a little over 5 years.

Wife and I are 28, I make ~90k she makes ~$125k. Back in 2012 I was at ~60k and she was still in school, started at ~$110k in 2013.

[dignam]

2009: -$20k (Graduated, got first job @ $40k/yr)
2010:
... : Lots of spendy pants purchases, only putting away a fraction of pay
2015:  $40k (discovered MMM)
2016:  $80k
Now:   $110k @ age 31

[twell1]

2002  $205k
2005  $390K
2008  $570K
2011  $1.5M  Sold house for gain
2014  $2.1M
2017  $2.8M

[zedpol]

2009 -40k
I wasn't calculating anything between 2009 and 2013.  Just a slow steady slog getting to a positive networth.
2013 244k
2014 459k
2015 629k
2016 910k
end of may 2017 ~1.1 million

[bigchrisb]

Based on values in June each year, except May for 2017 my data below.

2004 -24k (mostly student loans, started working)
2005 -12k
2006 -12.5k
2007 +16k (mostly debt reduction up to this point, savings rate greater than 50% from here on)
2008 +66k (started investing aggressively)
2009 +93k
2010 +429k (private company investment, leveraged 4:1 into stocks during GFC recovery, income now ~$150k.  Savings rate up to ~70%)
2011 +619k
2012 +715k
2013 +975k (income ~200k, has stayed around that level)
2014 +1283k (sold private company, bought house)
2015 +1488k
2016 +1712k
2017 +2843k (includes ~600k "windfall" from trauma insurance payout)

Main contributors were: 
High income
High savings rate (lived in a student sharehouse for years while on 150k+ income, cheap cars etc)
Getting lucky with investing in private company at the right point, and exiting at the right point
Getting lucky and being leveraged to growth markets in shares and housing
An insurance windfall (the cause of which was not so lucky).

[meatface]

2009 -40k
I wasn't calculating anything between 2009 and 2013.  Just a slow steady slog getting to a positive networth.
2013 244k
2014 459k
2015 629k
2016 910k
end of may 2017 ~1.1 million

Those are some nice big jumps! So nice.
I assume you've got a big salary working for you and that you're savings a large amount of it?

[HydroJim]

Year   Age  Income   Net Worth
2014  18    7k          5k
2015  19    22k        10k
2016  20    43k        33k
2017  21    50k        53k (End of year projected assuming flat market)

I've only been able to achieve these numbers due to a full academic scholarship. Unless the market changes significantly, I should graduate with around 60k net worth next May. Then, off to grad school if I can earn myself free tuition. If not, I'll enter the workforce probably starting around $70k salary. Hoping to make some significant net worth jumps once I start earning full-time pay.

[OthalaFehu]

[JoeBlow]

[jtriplett]

I only started tracking this precisely by the month in 2015. I think I was too deeply in Student loan debt to even contemplate where it was.

5/1/2014: ($70k) <Estimated>
5/1/2015:  ($36.8k)
5/1/2016:   $49.1k
5/1/2017:  $193.3k : [ Investments: $471.1k, Debt: $277.8k]

I sometimes look at those numbers, and I have *no idea* how I've managed to do that.  Even seeing the monthly progression of liabilities versus assets, I still have no idea how it has increased that much in one year. 

[zedpol]

2009 -40k
I wasn't calculating anything between 2009 and 2013.  Just a slow steady slog getting to a positive networth.
2013 244k
2014 459k
2015 629k
2016 910k
end of may 2017 ~1.1 million

Yeah, silly salary and saving a good portion of it plus have had some good investment returns.  We have been very fortunate

Those are some nice big jumps! So nice.
I assume you've got a big salary working for you and that you're savings a large amount of it?

[Stoic on FIRE]

Here are my net investable assets. I use this as my measure from my experience of being house rich, but the darned thing not producing anything other than stress. The dip is home ownership gone unsatisfactorily.

[Travis]

Year   NW    Income 

2003  $5k       $42k   - graduated college
2009  $180k   $81k   - I just remember having $150k in cash and $30k in investments. Income in 2004, half of 2006, and all of 2007 tax free plus bonuses.
2014  $364k   $111k - a couple years after finding MMM and Bogleheads. Half of 2010 and 2011 tax free plus bonuses.
2015  $458k   $111k -  another tax free year
2016  $650k   $120k - DW started working
2017  $727k   $120k - Today. The last two years I've done enough per diem work travel to equal an extra $1k per month not counted here. I won't have that any more after this summer.

Savings rate has been 50-60% since 2012. We move every two years so expenses fluctuate with each new location.

[clarkfan1979]

I will start:

Year Age Networth Notes
2011 23 $40,000 Still in college
2012 24 $50,000 First job out of school earning $42K, $50k saved from working throughout high school/college
2013 25 $100,000 Stock market advances
2014 26 $150,000 $46K salary
2015 27 $230,000 $53K salary
2016 28 $320,000 $57K salary



Notes:
-Networth grew very quickly because of high savings rate + rapid market advances + aggressive investment style
-Hoping to be semi independent by 35, and totally independent by 40

We have a very similar progression. However, I am a few years older because I went to grad school full-time 2004-2011.

2011: 50K      (40K salary)
2012: 72K      (41K salary)
2013: 105K    (41k salary)
2014: 152K    (42K salary)
2015: 221K    (63K salary)
2016: 320K    (65K salary)
2017: 465K    (67K salary)

[Mr Zombie]

Started work in about 2005 and proceeded to fuck about and spend cash like there was no tomorrow, whilst living in a permanent overdraft like a financial n00b.  I didn't even start paying into a pension until about 2009 #eejit

Didn't track my networth until 2012.

I fixed my spending and earned a few promotions since then and it's been all good :)



Hope you like the graph, just about blew a gasket in my brain getting it to work.  I must be tired.

Mr Z

[TwoWorlds]

2010  $100,000 NW  $60K Salary
2011  $125,000 NW  $65K
2012  $175,000 NW  $75K
2013  $220,000 NW  $78K
2014  $280,000 NW  $90K
2015  $370,000 NW  $150K
2016  $460,000 NW  $202K
2017  $510,000 NW  $210K  NW through May.

Also wife has been working this whole time making between 50K-70K. 

[slide]

2009   5k   
2010   50k   Saved about 10k in 401k; started saving for a house   
2011   75k   Learned about FIRE      
2012   125k    
2013   175k      
2014   215k      
2015   473k   Combined accounts with wife   
2016   636k      
Now   724k      

[Dicey]

This thread intrigues me.  I can't remember, and I can't be bothered to look it up. Posting to say: it doesn't matter. Just start, wherever you are in life.

Continually look for ways to:

Spend less.
Earn more.
Invest wisely.

The rest will happen, in time. #askmehowiknow

[runewell]

12/31/2009 $287,500
12/31/2010 $346,900
12/31/2011 $378,900
12/31/2012 $436,600
12/31/2013 $475,400
12/31/2014 $524,100
12/31/2015 $616,400
12/31/2016 $668,400
05/31/2017 $753,000

[Bracken_Joy]

Attached. =) A couple months before the start of that graph, we got married and combined everything, and were right around the $0 net worth mark.

[Caoineag]

Gross    Year    Networth 18417     2003   -16,000 22605     2004   -20,000 32765     2005   -40,000 54477     2006   -40,000 63179     2007   -27,000 84264     2008   -14,000 78657     2009   -3,500 57822     2010   48,000 79789     2011   62,552 94977     2012   102,448 150261   2013   204,957 138154   2014   298,256 182032   2015   521,028 160580   2016   677,670 153000   2017   754,656

Married couple, this is what unemployment, changes in bonus structure, debt payoff and home equity do to progression. I have yet to see market gains contribute more than us but all income above and beyond our base level goes into our accounts so the amount contributed keeps increasing. Our house on the other hand, plays havoc with estimating networth. Look forward to selling next year when we retire and actually knowing how much cash its worth.

[Dicey]

Wow! Way to roll with the punches, C!

[rantk81]

Monthly net worth graph since mid-2006 until present.
Single, software engineer, no stretches of unemployment.




Can you spot the market crash of 2009?  Me either ;)  At the time, it seemed like such a big deal. Hah.

[Taran Wanderer]

Here's mine thanks to 22 years of Quicken.

[marty998]

Wow 22 years of records has to be the longest I've seen here Taran! Mine only go back 5 years:

2012: 295k
2013: 416k
2014: 534k
2015: 713k
2016: 898k
May 2017: 949k (gross assets $2.01m)

Progress has slowed this year with Sydney housing price increases coming off the boil. If I get to $1m by the end of this year I'll be happy. At the start of the year the projection was looking like $1,075k.

$570k of the total is locked up in my current residence which is not deriving any income for me (other than basically saving me from having to pay $22,000+ a year in rent). Not really sure how to classify that to be honest.

[Stoic on FIRE]

This thread intrigues me.  I can't remember, and I can't be bothered to look it up. Posting to say: it doesn't matter. Just start, wherever you are in life.

Continually look for ways to:

Spend less.
Earn more.
Invest wisely.

The rest will happen, in time. #askmehowiknow

I agree with your three principles, but I also think it's no issue to share especially among this group. I haven't seen any comments being envious of other members.

I look at this thread as more of an encouragement to others that compounding is working. It's interesting to see the changes due to economic conditions if the graph goes back far enough.

[Nudelkopf]

I started my first job at 22 with  $8700 in the bank (after 5 years at uni), and have been working full time since.

22:     $8,700
23:   $38,000
24:   $68,000
25: $109,000
26: $132,000

I've excluded superannuation & hecs because I've never tracked them, but they kinda cancel out.

[Taran Wanderer]

Wow 22 years of records has to be the longest I've seen here Taran!

I actually entered my bank statements all the way from childhood, so I have records going back even further.  It's just that net worth was basically zero until the college years...

[COEE]

Here's mine thanks to 22 years of Quicken.

What I really like about this is that your NW didn't change much during the 2008-2009 crash.  I'm assuming this is just because you kept dumping more in.  There was a dip - but it doesn't look like it was much to worry about.  I'm sure you were freaking out at the time though. 

You've recovered really nicely.