Share your net worth progression

Non-investing personal finance issues including insurance, credit, real estate, taxes, employment and legal issues such as trusts and wills
l1am
Posts: 303
Joined: Wed Mar 02, 2016 2:27 pm

Re: Share your net worth progression

Post by l1am » Sun Jan 12, 2020 6:51 pm

SouthernFIRE wrote:
Sat Jan 11, 2020 9:03 pm
I’ll play. 2008-2012 are rough estimates. Net worth skewed by outlier income years in last two years (not repeatable). Looking back, did poorly on the saving/investing front in early career. Spent too much; didn’t maximize use of tax preferred vehicles; made all the standard behaviorial mistakes.Bailed out by income luck, but BH foundation is in place now.

Year NW HH Income
2008 (100,000) 90,000 graduated law school
2009 (75,000) 90,000 buy a house
2010 (50,000) 175,000 got married
2011 (25,000) 220,000 new job at larger firm
2012 50,000 210,000
2013 120,000 240,000 new job at small firm; kid #1 born
2014 175,000 270,000
2015 350,000 260,000
2016 650,000 250,000 partner in new law firm; kid #2 born
2017 850,000 350,000
2018 1.6 mil 1.3 mil
2019 3.6 mil 2.8 mil
What age are you, probably have enough to retire?

Rey
Posts: 8
Joined: Sat Jan 13, 2018 7:23 pm

Re: Share your net worth progression

Post by Rey » Sun Jan 12, 2020 6:56 pm

2005 - $0
2010 - $1MM
2015 - $3.5 MM
2019 - $9.5MM

In tech and 40 years old.

klondike
Posts: 16
Joined: Thu Jan 10, 2019 6:58 pm

Re: Share your net worth progression

Post by klondike » Sun Jan 12, 2020 9:55 pm

l1am wrote:
Sat Jan 11, 2020 1:24 pm
Olemiss540 wrote:
Sat Jan 11, 2020 8:34 am
Depressing? You are a half millionaire at age 31. Guessing you are in the top 2-3% by age in the US and top .1% by age in the world. Congrats! You are one making this thread depressing for others lol.
This place has such bizarre standards.
This place motivates me to continue working. :oops: :mrgreen:

indexlover
Posts: 149
Joined: Mon May 11, 2015 10:39 am

Re: Share your net worth progression

Post by indexlover » Sun Jan 12, 2020 10:22 pm

Rey wrote:
Sun Jan 12, 2020 6:56 pm
2005 - $0
2010 - $1MM
2015 - $3.5 MM
2019 - $9.5MM

In tech and 40 years old.
10MM at 48 ? Hmm. Should be 10MM in March this year. Would love to hear if you plan to make any changes to your portfolio AA and your future plans in a new post.
“If a statue is ever erected to honor the person who has done the most for American investors, the hands-down choice should be Jack Bogle.” - Mr. Buffett - Berkshire Hathaway ’s 2016 annual report.

sambb
Posts: 2877
Joined: Sun Mar 10, 2013 3:31 pm

Re: Share your net worth progression

Post by sambb » Sun Jan 12, 2020 10:30 pm

this thread is really interesting, and shows some amazing savings

jxlegend
Posts: 2
Joined: Fri Jan 03, 2020 8:01 pm

Re: Share your net worth progression

Post by jxlegend » Sun Jan 12, 2020 10:36 pm

Rey wrote:
Sun Jan 12, 2020 6:56 pm
2005 - $0
2010 - $1MM
2015 - $3.5 MM
2019 - $9.5MM

In tech and 40 years old.
Would you also mind posting your salary/how much you invested? Thank you!

Vihoo
Posts: 45
Joined: Wed Jun 05, 2019 11:48 pm

Re: Share your net worth progression

Post by Vihoo » Mon Jan 13, 2020 1:43 am

z9852 wrote:
Thu Jan 02, 2020 2:28 am
Updating for end of year:

(includes home equity)
12/31/2013 -$29,973
12/31/2014 -$740
12/31/2015 $14,950
12/31/2016 $119,771
12/31/2017 $413,450 (sold rental properties in hot market)
12/31/2018 $685,147 (had opportunity to sell some company stock)
12/31/2019 $811,417 (nothing special this year... just savings and investment returns)

Barring a market downturn, our stretch goal for 2020 is to join the two-comma club. Happy new year Bogleheads! :beer
How would those rental properties be today had you held them?

Vihoo
Posts: 45
Joined: Wed Jun 05, 2019 11:48 pm

Re: Share your net worth progression

Post by Vihoo » Mon Jan 13, 2020 2:14 am

Fun to read this thread. Especially for those of us early on in our careers. It’s difficult to determine where you’ll end up! Now I want to predict where I’ll be by Dec 2020.

High earned income early on seems to accelerate the trajectory more so than any recession, ot bull market. Probably just stating the obvious here...

z9852
Posts: 15
Joined: Sun Sep 17, 2017 5:32 pm

Re: Share your net worth progression

Post by z9852 » Mon Jan 13, 2020 2:16 am

Vihoo wrote:
Mon Jan 13, 2020 1:43 am
z9852 wrote:
Thu Jan 02, 2020 2:28 am
Updating for end of year (age 32 in 2020):

(includes home equity)
12/31/2013 -$29,973
12/31/2014 -$740
12/31/2015 $14,950
12/31/2016 $119,771
12/31/2017 $413,450 (sold rental properties in hot market)
12/31/2018 $685,147 (had opportunity to sell some company stock)
12/31/2019 $811,417 (nothing special this year... just savings and investment returns)

Barring a market downturn, our stretch goal for 2020 is to join the two-comma club. Happy new year Bogleheads! :beer
How would those rental properties be today had you held them?
I'm in the Seattle area - rents have been pretty flat for a while now, so I'm still happy with the decision to sell at that time. Looks like Zillow says the property value is up about 6% for one, and the other about 3%.

Vihoo
Posts: 45
Joined: Wed Jun 05, 2019 11:48 pm

Re: Share your net worth progression

Post by Vihoo » Mon Jan 13, 2020 2:30 am

z9852 wrote:
Mon Jan 13, 2020 2:16 am
Vihoo wrote:
Mon Jan 13, 2020 1:43 am
z9852 wrote:
Thu Jan 02, 2020 2:28 am
Updating for end of year (age 32 in 2020):

(includes home equity)
12/31/2013 -$29,973
12/31/2014 -$740
12/31/2015 $14,950
12/31/2016 $119,771
12/31/2017 $413,450 (sold rental properties in hot market)
12/31/2018 $685,147 (had opportunity to sell some company stock)
12/31/2019 $811,417 (nothing special this year... just savings and investment returns)

Barring a market downturn, our stretch goal for 2020 is to join the two-comma club. Happy new year Bogleheads! :beer
How would those rental properties be today had you held them?
I'm in the Seattle area - rents have been pretty flat for a while now, so I'm still happy with the decision to sell at that time. Looks like Zillow says the property value is up about 6% for one, and the other about 3%.
I’m in a near identical situation to you in 2017.
3 properties in a great market (Vegas).
Somewhat RE heavy portfolio.
Appreciation really took off, rents not so much.
Internal debate on whether to sell or not...

Rey
Posts: 8
Joined: Sat Jan 13, 2018 7:23 pm

Re: Share your net worth progression

Post by Rey » Mon Jan 13, 2020 5:25 pm

jxlegend wrote:
Sun Jan 12, 2020 10:36 pm
Rey wrote:
Sun Jan 12, 2020 6:56 pm
2005 - $0
2010 - $1MM
2015 - $3.5 MM
2019 - $9.5MM

In tech and 40 years old.
Would you also mind posting your salary/how much you invested? Thank you!
Info on my portfolio is here. Thread also has info on expenses at a high level. We are a double income frugal family.

viewtopic.php?f=1&t=237940

angelescrest
Posts: 1057
Joined: Tue May 27, 2008 10:48 am
Location: Texas

Re: Share your net worth progression

Post by angelescrest » Tue Jan 14, 2020 12:19 am

AlmstRtrd wrote:
Fri Dec 27, 2019 4:22 pm
Age 61, Married. Retired in April of 2018. The following is just for me as I wanted to be able to compare now with 27 years ago. Mostly I had low stock allocations and was lucky to live through a good economy and a long period of pretty good bond returns. Was always a good saver but nothing crazy. Anyway, I just pulled this together from old records. Numbers are from January 1 or as close as I could get:

1993 - $181,000
1994 - $217,000
1995 - $240,000
1996 - $319,000
1997 - $385,000
1998 - $482,000
1999 - $571,000
2000 - $688,000
2001 - $776,000
2002 - $898,000
2003 - $1,011,000
2004 - $1,112,000
2005 - $1,218,000
2006 - $1,295,000
2007 - $1,404,000
2008 - $1,421,000
2009 - $1,205,000
2010 - $1,262,000
2011 - $1,310,000
2012 - $1,351,000
2013 - $1,495,000
2014 - $1,576,000
2015 - $1,658,000
2016 - $1,739,000
2017 - $1,797,000
2018 - $1,941,000
2019 - $1,968,000
2020 - $2,087,000

2008-2009 doesn't look too bad now but it felt terrible as my balances were going down and self-employment income took a big hit and never really recovered. But I feel extremely fortunate.
What was the makeup of your portfolio? You had very steady growth...this post is one of my favorite of all.

rage_phish
Posts: 156
Joined: Thu Jan 31, 2019 4:27 pm

Re: Share your net worth progression

Post by rage_phish » Tue Jan 14, 2020 12:54 am

Beaker12 wrote:
Sun Jan 12, 2020 9:55 am
Here are our figures. Wish I had noted down the figures from earlier years from Mint before I removed the investment accounts from it. Update: Followed the post below's advice and found a few more years in the Mint emails. It took 20 years of saving to reach the 1 million mark.

These figures are Jan 1 for each year.

Year | Age | Net Worth
2011 | 36 | 460,000
2012 | 37 | 499,000
2013 | 38 | 682,890
2014 | 39 | 681,880
2015 | 40 | 825,000 (Estimated)
2016| 41 | 1,025,000
2017 | 42 | 1,190,000
2018 | 43| 1,405,000
2019 | 44 | 1,602,000
2020 | 45 | 1,978,000

I’m 36 with a net worth of right around $460k

I love seeing this progression

Frezio
Posts: 22
Joined: Tue Jul 08, 2014 3:21 pm

Re: Share your net worth progression

Post by Frezio » Tue Feb 04, 2020 4:32 pm

Just finished updating my budget for the month where I also track my net worth progression and realized that this month marks the exact 10 year anniversary since I've been tracking my financials every month in excel.

I started tracking our household net worth right after my wife and I got married in our late 20s - fast forward 10 years later and we've bought a house, had some kids and have had a blast the whole way.

I wanted to upload the graph but couldn't figure out how to do that, so here are the raw numbers:

Jan 2010: $530k (Late 20s)
Jan 2011: $727k
Jan 2012: $837k
Jan 2013: $1,045k
Jan 2014: $1,269k
Jan 2015: $1,627k
Jan 2016: $1,745k
Jan 2017: $2,163k
Jan 2018: $2,708k
Jan 2019: $2,757k
Jan 2020: $3,243k (late 30s)

Here's to seeing how the next 10 years unfold!

TroyMcClure
Posts: 88
Joined: Sun Aug 31, 2014 6:13 am
Location: Germany

Re: Share your networth progression

Post by TroyMcClure » Thu Feb 13, 2020 6:02 am

TroyMcClure wrote:
Mon Feb 06, 2017 5:15 am
2001: ~€10k
2003: ~€20k
2004: ~€15k
2007: ~€10k
2008: ~€6k
2010: ~€50k
2012: ~€100k
31.12.2014: €175k
31.12.2015: €246k
31.12.2016: €321k
31.12.2017: €366k
31.12.2018: €385k
31.12.2019: €498k
Now updated with the last 3 years of data. 2018 in particular wasn't great in terms of net worth progression due to a -5.6%IRR on my investment portfolio, though I did manage to invest a lot that year (relatively on the cheap then). What goes down must come up again and it definitely showed in 2019 with my biggest upswing to date, that's like a 29% increase. Of course that's mostly due to a bull market, but on the more important KPI my savings rate has increased from 44.8% to 50.8% on my net salary. I'm very happy with that.

student
Posts: 4792
Joined: Fri Apr 03, 2015 6:58 am

Re: Share your net worth progression

Post by student » Thu Feb 13, 2020 8:27 am

Rey wrote:
Sun Jan 12, 2020 6:56 pm
2005 - $0
2010 - $1MM
2015 - $3.5 MM
2019 - $9.5MM

In tech and 40 years old.
Wow. Very impressive.

GodzillaBorland
Posts: 32
Joined: Sat Dec 14, 2019 6:46 pm

Re: Share your net worth progression

Post by GodzillaBorland » Sat Feb 22, 2020 12:52 pm

IMD801 wrote:
Tue Dec 24, 2019 12:13 pm
2008: (150k)
2009: (130k)
2010: (120k)
2011: (100k)
2012: (60k)
2013: 0
2014: 160k
2015: 340k
2016: 620k
2017: 1M
2018: 1.2M
2019: 1.6M
Fabulous - was this due to Business income increase or buying TSLA options😋 like the YOLO crowd is doing?

SouthernFIRE
Posts: 60
Joined: Tue Jul 10, 2018 1:24 pm

Re: Share your net worth progression

Post by SouthernFIRE » Tue Feb 25, 2020 7:56 pm

l1am wrote:
Sun Jan 12, 2020 6:51 pm
SouthernFIRE wrote:
Sat Jan 11, 2020 9:03 pm
I’ll play. 2008-2012 are rough estimates. Net worth skewed by outlier income years in last two years (not repeatable). Looking back, did poorly on the saving/investing front in early career. Spent too much; didn’t maximize use of tax preferred vehicles; made all the standard behaviorial mistakes.Bailed out by income luck, but BH foundation is in place now.

Year NW HH Income
2008 (100,000) 90,000 graduated law school
2009 (75,000) 90,000 buy a house
2010 (50,000) 175,000 got married
2011 (25,000) 220,000 new job at larger firm
2012 50,000 210,000
2013 120,000 240,000 new job at small firm; kid #1 born
2014 175,000 270,000
2015 350,000 260,000
2016 650,000 250,000 partner in new law firm; kid #2 born
2017 850,000 350,000
2018 1.6 mil 1.3 mil
2019 3.6 mil 2.8 mil
What age are you, probably have enough to retire?
Late 30s. Maybe...young kids. Throttled back some but income is still relatively high at 3/4 speed, work is still fun, and need something engaging to do.

Count of Notre Dame
Posts: 171
Joined: Fri Oct 11, 2013 1:08 pm

Re: Share your net worth progression

Post by Count of Notre Dame » Wed Feb 26, 2020 1:38 pm

Frezio wrote:
Tue Feb 04, 2020 4:32 pm
Just finished updating my budget for the month where I also track my net worth progression and realized that this month marks the exact 10 year anniversary since I've been tracking my financials every month in excel.

I started tracking our household net worth right after my wife and I got married in our late 20s - fast forward 10 years later and we've bought a house, had some kids and have had a blast the whole way.

I wanted to upload the graph but couldn't figure out how to do that, so here are the raw numbers:

Jan 2010: $530k (Late 20s)
Jan 2011: $727k
Jan 2012: $837k
Jan 2013: $1,045k
Jan 2014: $1,269k
Jan 2015: $1,627k
Jan 2016: $1,745k
Jan 2017: $2,163k
Jan 2018: $2,708k
Jan 2019: $2,757k
Jan 2020: $3,243k (late 30s)

Here's to seeing how the next 10 years unfold!
Would you mind sharing more details such as income, stock options, savings rate etc.? We're saving about $200k per year in the 401ks, IRAs, HSA, and including principal paydown on our mortgage and I would love to think I could replicate this exponential growth, but if this was made up of company stock options then I won't get my hopes up :(

Edit: I take it back, assuming you saved $150k per year and backing that out of your yearly increase, your investment rate of return wasn't even that outrageous. Maybe there's hope yet!

Year Net Worth Increase Rate of return
1/1/2010 530,000
1/1/2011 727,000 197,000 7%
1/1/2012 837,000 110,000 -5%
1/1/2013 1,045,000 208,000 6%
1/1/2014 1,269,000 224,000 6%
1/1/2015 1,627,000 358,000 14%
1/1/2016 1,745,000 118,000 -2%
1/1/2017 2,163,000 418,000 14%
1/1/2018 2,708,000 545,000 16%
1/1/2019 2,757,000 49,000 -4%
1/1/2020 3,243,000 486,000 11%
Last edited by Count of Notre Dame on Wed Feb 26, 2020 7:19 pm, edited 1 time in total.

as9
Posts: 127
Joined: Mon Jan 27, 2020 9:26 am

Re: Share your net worth progression

Post by as9 » Wed Feb 26, 2020 1:45 pm

Anyone want to share their NW tracker in a Google Sheet?

I've got something basic, but feeling lazy and I'm sure some of you have a cool setup.

student
Posts: 4792
Joined: Fri Apr 03, 2015 6:58 am

Re: Share your net worth progression

Post by student » Wed Feb 26, 2020 3:17 pm

GodzillaBorland wrote:
Sat Feb 22, 2020 12:52 pm
IMD801 wrote:
Tue Dec 24, 2019 12:13 pm
2008: (150k)
2009: (130k)
2010: (120k)
2011: (100k)
2012: (60k)
2013: 0
2014: 160k
2015: 340k
2016: 620k
2017: 1M
2018: 1.2M
2019: 1.6M
Fabulous - was this due to Business income increase or buying TSLA options😋 like the YOLO crowd is doing?
Congratulations.

lessismore22
Posts: 139
Joined: Sun Jul 01, 2018 8:02 pm
Location: USA

Re: Share your net worth progression

Post by lessismore22 » Wed Feb 26, 2020 4:35 pm

It's great to see the growth on a lot of these posts.

The first million truly is the hardest. -Abraham Lincoln

GodzillaBorland
Posts: 32
Joined: Sat Dec 14, 2019 6:46 pm

Re: Share your net worth progression

Post by GodzillaBorland » Thu Feb 27, 2020 7:15 pm

AlmstRtrd wrote:
Fri Dec 27, 2019 4:22 pm
Age 61, Married. Retired in April of 2018. The following is just for me as I wanted to be able to compare now with 27 years ago. Mostly I had low stock allocations and was lucky to live through a good economy and a long period of pretty good bond returns. Was always a good saver but nothing crazy. Anyway, I just pulled this together from old records. Numbers are from January 1 or as close as I could get:

1993 - $181,000
1994 - $217,000
1995 - $240,000
1996 - $319,000
1997 - $385,000
1998 - $482,000
1999 - $571,000
2000 - $688,000
2001 - $776,000
2002 - $898,000
2003 - $1,011,000
2004 - $1,112,000
2005 - $1,218,000
2006 - $1,295,000
2007 - $1,404,000
2008 - $1,421,000
2009 - $1,205,000
2010 - $1,262,000
2011 - $1,310,000
2012 - $1,351,000
2013 - $1,495,000
2014 - $1,576,000
2015 - $1,658,000
2016 - $1,739,000
2017 - $1,797,000
2018 - $1,941,000
2019 - $1,968,000
2020 - $2,087,000

2008-2009 doesn't look too bad now but it felt terrible as my balances were going down and self-employment income took a big hit and never really recovered. But I feel extremely fortunate.
What were the household income during this time , may I ask.I am curious the contributions you made to 401K , IRA every year. Thanks

Count of Notre Dame
Posts: 171
Joined: Fri Oct 11, 2013 1:08 pm

Re: Share your net worth progression

Post by Count of Notre Dame » Sat Feb 29, 2020 10:31 am

Lost almost $60k in the market in February. Age 36 so this does not really matter. Hope I can still end 2020 with positive growth in net worth.

Rrolack
Posts: 52
Joined: Fri May 22, 2009 12:18 am

Re: Share your net worth progression

Post by Rrolack » Sat Feb 29, 2020 4:55 pm

I'm curious how much of our net worth progressions are due to investment returns during an extraordinary bull market. I'd bet things would look different if we'd had a flat past decade for stocks...

User avatar
Stef
Posts: 828
Joined: Thu Oct 10, 2019 10:13 am

Re: Share your net worth progression

Post by Stef » Sun Mar 01, 2020 3:40 am

Rrolack wrote:
Sat Feb 29, 2020 4:55 pm
I'm curious how much of our net worth progressions are due to investment returns during an extraordinary bull market. I'd bet things would look different if we'd had a flat past decade for stocks...
SP500 was flat from 2000-2013. I'm not sure what extraordinary bull market you are referring too. 1987-2000 was much better.

cacophony
Posts: 511
Joined: Tue Oct 16, 2007 9:12 pm

Re: Share your net worth progression

Post by cacophony » Sun Mar 01, 2020 3:57 am

Stef wrote:
Sun Mar 01, 2020 3:40 am
Rrolack wrote:
Sat Feb 29, 2020 4:55 pm
I'm curious how much of our net worth progressions are due to investment returns during an extraordinary bull market. I'd bet things would look different if we'd had a flat past decade for stocks...
SP500 was flat from 2000-2013. I'm not sure what extraordinary bull market you are referring too. 1987-2000 was much better.
S&P 500 tripled between 2010 and 2020

User avatar
Stef
Posts: 828
Joined: Thu Oct 10, 2019 10:13 am

Re: Share your net worth progression

Post by Stef » Sun Mar 01, 2020 4:40 am

cacophony wrote:
Sun Mar 01, 2020 3:57 am
Stef wrote:
Sun Mar 01, 2020 3:40 am
Rrolack wrote:
Sat Feb 29, 2020 4:55 pm
I'm curious how much of our net worth progressions are due to investment returns during an extraordinary bull market. I'd bet things would look different if we'd had a flat past decade for stocks...
SP500 was flat from 2000-2013. I'm not sure what extraordinary bull market you are referring too. 1987-2000 was much better.
S&P 500 tripled between 2010 and 2020
Still half of the performance from the 90s.

cacophony
Posts: 511
Joined: Tue Oct 16, 2007 9:12 pm

Re: Share your net worth progression

Post by cacophony » Sun Mar 01, 2020 5:56 pm

Stef wrote:
Sun Mar 01, 2020 4:40 am
cacophony wrote:
Sun Mar 01, 2020 3:57 am
Stef wrote:
Sun Mar 01, 2020 3:40 am
Rrolack wrote:
Sat Feb 29, 2020 4:55 pm
I'm curious how much of our net worth progressions are due to investment returns during an extraordinary bull market. I'd bet things would look different if we'd had a flat past decade for stocks...
SP500 was flat from 2000-2013. I'm not sure what extraordinary bull market you are referring too. 1987-2000 was much better.
S&P 500 tripled between 2010 and 2020
Still half of the performance from the 90s.
I think it's more like 3x vs 4x

azianbob
Posts: 266
Joined: Tue Jan 15, 2019 6:53 pm

Re: Share your net worth progression

Post by azianbob » Mon Mar 02, 2020 4:58 pm

Curious, are there any people here who have zero real estate (no house, decide to just invest everything into the stock market?)

It seems the majority of people on this thread own at least one house they are living in, usually many have rentals as well. Wondering if the non home owners have similar levels of net worth growth as the others, or more or less.

User avatar
UpsetRaptor
Posts: 563
Joined: Tue Jan 19, 2016 5:15 pm

Re: Share your net worth progression

Post by UpsetRaptor » Mon Mar 02, 2020 5:11 pm

azianbob wrote:
Mon Mar 02, 2020 4:58 pm
Curious, are there any people here who have zero real estate (no house, decide to just invest everything into the stock market?)

It seems the majority of people on this thread own at least one house they are living in, usually many have rentals as well. Wondering if the non home owners have similar levels of net worth growth as the others, or more or less.
Well I own a home but it's a negative to my net worth calculation right now, as I owe more principal on it than built up equity. I'd be in the two comma net-worth club by now without it.

User avatar
luminous
Posts: 185
Joined: Sat Dec 30, 2017 10:28 pm

Re: Share your net worth progression

Post by luminous » Mon Mar 02, 2020 11:16 pm

azianbob wrote:
Mon Mar 02, 2020 4:58 pm
Curious, are there any people here who have zero real estate (no house, decide to just invest everything into the stock market?)

It seems the majority of people on this thread own at least one house they are living in, usually many have rentals as well. Wondering if the non home owners have similar levels of net worth growth as the others, or more or less.
I do not own real estate. I am a lifelong renter and I have no REITs.
50/20/30 US stock/international stock/bonds. Hope to semi-retire in 2022.

Rrolack
Posts: 52
Joined: Fri May 22, 2009 12:18 am

Re: Share your net worth progression

Post by Rrolack » Thu Mar 12, 2020 10:10 am

Rrolack wrote:
Sat Feb 29, 2020 4:55 pm
I'm curious how much of our net worth progressions are due to investment returns during an extraordinary bull market. I'd bet things would look different if we'd had a flat past decade for stocks...
Related to this point, interesting that there have been no posts in this thread over the past 10 days...

User avatar
EngCapt1
Posts: 127
Joined: Mon Dec 19, 2016 12:02 am

Re: Share your net worth progression

Post by EngCapt1 » Thu Mar 12, 2020 10:16 am

Rrolack wrote:
Thu Mar 12, 2020 10:10 am
Rrolack wrote:
Sat Feb 29, 2020 4:55 pm
I'm curious how much of our net worth progressions are due to investment returns during an extraordinary bull market. I'd bet things would look different if we'd had a flat past decade for stocks...
Related to this point, interesting that there have been no posts in this thread over the past 10 days...
Uh-oh. Time to start a "Share Your Net Worth Regression" thread.... :D

:beer

supalong52
Posts: 225
Joined: Tue Feb 09, 2010 1:51 pm

Re: Share your net worth progression

Post by supalong52 » Thu Mar 12, 2020 10:17 am

Yeah I look on a certain day of the month, which is coming up. I'm afraid to look. Expecting a very, very big loss...

chuckb84
Posts: 328
Joined: Wed Oct 21, 2015 10:41 am
Location: New Mexico

Re: Share your net worth progression

Post by chuckb84 » Thu Mar 12, 2020 10:18 am

Rrolack wrote:
Thu Mar 12, 2020 10:10 am
Rrolack wrote:
Sat Feb 29, 2020 4:55 pm
I'm curious how much of our net worth progressions are due to investment returns during an extraordinary bull market. I'd bet things would look different if we'd had a flat past decade for stocks...
Related to this point, interesting that there have been no posts in this thread over the past 10 days...
More of a regression right now....

e5116
Posts: 516
Joined: Mon Oct 05, 2009 11:22 am

Re: Share your net worth progression

Post by e5116 » Thu Mar 12, 2020 10:27 am

I did my last monthly check on 2/23...basically right before everything went down. Will be checking again on 3/23....Although I have been TLH'ing on the way. Going to be rough, but it's a buying opportunity hopefully! I have a long-time horizon too. But I was $20k from passing over a substantial milestone which I was hoping to hit in the next month, but seems like it may be months (years?) away now....

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Stef
Posts: 828
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Re: Share your net worth progression

Post by Stef » Thu Mar 12, 2020 10:28 am

Rrolack wrote:
Thu Mar 12, 2020 10:10 am
Related to this point, interesting that there have been no posts in this thread over the past 10 days...
I track my net worth monthly, always end of the month. I guess most here track it yearly.

997TRBO
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Re: Share your net worth progression

Post by 997TRBO » Mon Mar 23, 2020 12:26 pm

Given all the market turmoil, looking at the long term numbers has given me perspective and kept me calm. Also, all of this work from home and stay at home, has been a opportunity to clean up a bunch of old papers. Through that process, i found additional early years of NW data.

2003: 731K
2004: ~900K
2005: 1.3M
2006: 1.5M
2007:1.75M
2008: 1.6M
2009: 1.6M
2010: 2.0M
2011: 2.2M
2012: 2.7M
2013: 3.5M
2014: 4.1M
2015: 4.1M
2016: 4.5M
2017: 4.9M
2018: 5.8M
2019: 8.8M

2020 as of March 23: ~6.8 to $7MM - it has been very volatile.

My perspective, though the drop has been painful, we are still in a very good spot, and the asset allocation has dampened the drop from equities. We don't need the money in the next 5+ years so have time to recover.


997TRBO wrote:
Wed Jan 01, 2020 1:25 pm
997TRBO wrote:
Mon Oct 28, 2019 7:45 am
~snip
Last edited by 997TRBO on Mon Mar 23, 2020 1:57 pm, edited 1 time in total.

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abuss368
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Re: Share your net worth progression

Post by abuss368 » Mon Mar 23, 2020 12:46 pm

UpsetRaptor wrote:
Mon Mar 02, 2020 5:11 pm
azianbob wrote:
Mon Mar 02, 2020 4:58 pm
Curious, are there any people here who have zero real estate (no house, decide to just invest everything into the stock market?)

It seems the majority of people on this thread own at least one house they are living in, usually many have rentals as well. Wondering if the non home owners have similar levels of net worth growth as the others, or more or less.
Well I own a home but it's a negative to my net worth calculation right now, as I owe more principal on it than built up equity. I'd be in the two comma net-worth club by now without it.
Are you calculating that correctly?

Value of home
less: mortgage
Result: Estimated Equity
John C. Bogle: Two Fund Portfolio - Total Stock & Total Bond - “Simplicity is the master key to financial success."

Rajsx
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Re: Share your net worth progression

Post by Rajsx » Mon Mar 23, 2020 2:03 pm

Net Worth is 6.1 M including a paid up House & Bank Savings, down by 1.4m this year as per Fidelity Full View .
It had grown by a million last year.

Oh well
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sesq
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Re: Share your networth progression

Post by sesq » Wed Mar 25, 2020 8:05 am

looking wrote:
Sat Jun 15, 2019 10:53 am

how you made 2 million, would you mind sharing your current portfolios, socks and bond we like to learn from you .i have been thinking always how other people made such big money there must be something we can learn from you,,, I do not think it is invasion of privacy jut exchange idears and educational.
Sorry, haven't logged in for a while.

I was still at about 75|25. I invested only in index funds and got awarded shares in my company stock. I think my allocation may have drifted up a bit as I check today I am 70|30 despite being down several hundred thousand in the sell off. I think up until recently the biggest driver was having a high salary and savings rate. I have taken a step back a bit in my latest job but finishing my third decade of investing has allowed the power of compound interest to kick in. I still save aggressively but I could stop and come back in ten years and be fine.

I may dial back the equities as I approach retirement. I don't think I will embrace the bond tent (30/70) but a move closer to 50/50 might make sense.

DeadLoad
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Re: Share your net worth progression

Post by DeadLoad » Wed Mar 25, 2020 1:54 pm

NET WORTH:
1/01/2017- ($70,000 House DP) - Single 25 – Income $45,000
6/01/2017 - $70,000 – Bought House
9/1/2017 – Got Married Him 26/Her 24– DINK: $90,000/ -$20,000 Student Loans
1/01/2018 – $70,000
7/31/2018 - $50,000 – ($50,000 Car Oops..)
10/01/2018 - $55,000 – Found Bogleheads
1/20/19 - $120,000 – 2018 Income ~$160,000/Paid off Student Loans
4/03/19 - $150,000
6/01/19 - $180,000 - ~Increased Her 401k from 8% to 15%
1/01/2020 - $235,000 – 2019 Income $212k - Him 29/Her 27 -Includes $138k Home Equity. ~18% savings rate (401k/457b/Pension) Goals are to increase that. 30k Left on Car & 252k Mortgage

Didn't start really tracking until 1/2019 but came up with some estimates for 2017/2018. I love reading this thread and at the start of 2019 I really enjoyed watching our net worth to steadily rise. Excited for the future.

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abuss368
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Re: Share your net worth progression

Post by abuss368 » Wed Mar 25, 2020 4:39 pm

This has been one of the best threads on the forum.
John C. Bogle: Two Fund Portfolio - Total Stock & Total Bond - “Simplicity is the master key to financial success."

Montgomery
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Re: Share your net worth progression

Post by Montgomery » Wed Mar 25, 2020 4:53 pm

This thread strikes me as proof that investing is secondary to a huge income/personal business with adequate savings. Some of the numbers make me feel like a loser! :oops:

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Stef
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Re: Share your net worth progression

Post by Stef » Thu Mar 26, 2020 3:06 am

Montgomery wrote:
Wed Mar 25, 2020 4:53 pm
This thread strikes me as proof that investing is secondary to a huge income/personal business with adequate savings. Some of the numbers make me feel like a loser! :oops:
100% this. I'm able to save ~2.3k/month. It will take me 25+ years to get to 2 million. Others are doing it in 5 years lol.

MathIsMyWayr
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Re: Share your net worth progression

Post by MathIsMyWayr » Thu Mar 26, 2020 10:51 am

Stef wrote:
Thu Mar 26, 2020 3:06 am
Montgomery wrote:
Wed Mar 25, 2020 4:53 pm
This thread strikes me as proof that investing is secondary to a huge income/personal business with adequate savings. Some of the numbers make me feel like a loser! :oops:
100% this. I'm able to save ~2.3k/month. It will take me 25+ years to get to 2 million. Others are doing it in 5 years lol.
You need an average annual return of around 8% to reach 2 million with monthly contributions of 2.3k for 25 years. Math is interesting.

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Stef
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Re: Share your net worth progression

Post by Stef » Thu Mar 26, 2020 10:52 am

MathIsMyWayr wrote:
Thu Mar 26, 2020 10:51 am
You need an average annual return of around 8% to reach 2 million with monthly contributions of 2.3k for 25 years. Math is interesting.
Yeah I'm optimistic that I'll see this number :D

And I think with my further career development I'll be able to invest more in the future, so maybe 5-6% will be enough too.

MathIsMyWayr
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Re: Share your net worth progression

Post by MathIsMyWayr » Thu Mar 26, 2020 11:11 am

Stef wrote:
Thu Mar 26, 2020 10:52 am
MathIsMyWayr wrote:
Thu Mar 26, 2020 10:51 am
You need an average annual return of around 8% to reach 2 million with monthly contributions of 2.3k for 25 years. Math is interesting.
Yeah I'm optimistic that I'll see this number :D

And I think with my further career development I'll be able to invest more in the future, so maybe 5-6% will be enough too.
Another not much useful math: you may divide the 8% into an annual increase of contribution of 3% and an annual investment return of 5%.

DeadLoad
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Re: Share your net worth progression

Post by DeadLoad » Thu Mar 26, 2020 12:13 pm

Stef wrote:
Thu Mar 26, 2020 3:06 am
Montgomery wrote:
Wed Mar 25, 2020 4:53 pm
This thread strikes me as proof that investing is secondary to a huge income/personal business with adequate savings. Some of the numbers make me feel like a loser! :oops:
100% this. I'm able to save ~2.3k/month. It will take me 25+ years to get to 2 million. Others are doing it in 5 years lol.
Is the 2.3k/month include maxing 401k/Roth IRA or 2.3k in addition to maxing out those 2 avenues?

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