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.
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MedicatedMoney
Posts: 156
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Location: Philadelphia

Re: Share your net worth progression

Post by MedicatedMoney »

Both 42, HCOL area, 4 kids:

2017: $645K
2018: $835K
2019: $1.05 million
2020: $1.26 million
2021: $1.70 million
-Medicated
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jimmmy
Posts: 23
Joined: Sat Dec 29, 2018 11:53 am

Re: Share your net worth progression

Post by jimmmy »

jimmmy wrote: Thu Jun 24, 2021 1:16 pm Net Worth | Gross Earned Income | Total Spend

Age 22 12/17/2010: $7k | $31k | ?
Age 23 12/17/2011: $17k | $34k | ?
Age 24 12/31/2012: $40k | $44k | ?
Age 25 12/31/2013: $39k | $14k | $20k
Age 26 12/31/2014: $52k | $47k | $24k
Age 27 12/31/2015: $51k | $29k | $24k
Age 28 12/31/2016: $40k | $0k | $12k
Age 29 12/31/2017: $48k | $14k | $21k
Age 30 12/31/2018: $62k | $42k | $16k
Age 31 12/31/2019: $105k | $51k | $18k
Age 32 12/31/2020: $165k | $57k | $16k
Age 33 12/31/2021: $235k | $61k | $15k
asahopkins
Posts: 23
Joined: Sat Jul 26, 2014 11:44 am

Re: Share your net worth progression

Post by asahopkins »

asahopkins wrote: Thu Dec 31, 2020 1:49 pm end of...
2012: 464k
2013: 635k
2014: 770k
2015: 876k
2016: 1.07M
2017: 1.30M
2018: 1.40M
2019: 1.60M
2020: 1.98M

Includes estimate of current home value ($1.17M today) minus mortgage ($665k today)

I am 41; my wife is 40.

Thanks to others for sharing - nice to see so many people making progress, regardless of where they are on their progression today.
2021: 2.49M (calculated the same way)
Morford
Posts: 54
Joined: Tue Jun 20, 2017 8:42 am

Re: Share your net worth progression

Post by Morford »

1/1/14 - $995,065
1/1/15 - $1,142,264
1/1/16 - $1,282,956
1/1/17 - $1,704,025
1/1/18 - $2,645,871
1/1/19 - $2,720,126
1/1/20 - $3,700,603
1/1/21 - $5,086,000
1/1/22 - $6,945,879 (age 42)

Thank you for the poster who pulled the graph together. Really interesting look at the community. Updating with my age.
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LadyGeek
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Re: Share your net worth progression

Post by LadyGeek »

I removed an off-topic post referring to comments made in 2014.

Please stay on-topic.
Wiki To some, the glass is half full. To others, the glass is half empty. To an engineer, it's twice the size it needs to be.
coinflip
Posts: 106
Joined: Thu Nov 18, 2010 2:39 pm

Re: Share your net worth progression

Post by coinflip »

coinflip wrote: Fri Jan 01, 2021 10:57 am
coinflip wrote: Thu Jan 02, 2020 5:50 pm history of year-end household net worth over last decade:

2010: $729k
2011: $905k
2012: $1.25mm
2013: $1.67mm
2014: $2.01mm
2015: $2.31mm
2016: missing
2017: $3.55mm
2018: $3.71mm
2019: $4.46mm
2020: $5.98mm
:sharebeer
2021: $7.77mm

Happy New Year!
CarpeDiem22
Posts: 285
Joined: Tue May 22, 2018 11:20 pm

Re: Share your net worth progression

Post by CarpeDiem22 »

CarpeDiem22 wrote: Fri Jan 22, 2021 3:05 am
CarpeDiem22 wrote: Fri Jan 03, 2020 3:36 am
CarpeDiem22 wrote: Wed Jan 02, 2019 3:20 am
CarpeDiem22 wrote: Fri Aug 10, 2018 1:01 am Coming from a low income-low expense country, I need only about USD 220K to retire. Here is how my NW has moved:

All amounts as on 31st Dec, in USD at current exchange rate (Aug 2018):

2013: 6K (age 27, fresh out of post-grad)
2014: 16K (age 28)
2015: 23K (age 29)
2016: 32K (age 30)
2017: 40K (age 31)
2018 YTD: 50K (still 31)

My wife has about 18K additional, so we're total at 68K, about 31% done towards goal. Never had more than 10% equity exposure before Jan 2017 due to lack of knowledge.
2018: 54K (age 32) (wife has 21K, so total at 75K).
2019: 95K (combined with DW)
2020: 126k (combined)
2021: 169k (combined)
Accrual
Posts: 135
Joined: Tue Feb 07, 2017 2:22 pm

Re: Share your net worth progression

Post by Accrual »

2021: $0.414m
Action321
Posts: 7
Joined: Mon Oct 19, 2020 8:33 pm

Re: Share your net worth progression

Post by Action321 »

Year-end balance in investments
2001: $0 - Graduated high school.
2002-2011: 0-$20k - Worked a sales job during these years, with no direction in life.
2012: $60k - Quit job to pursue bachelors degree full time. In addition to the $60k, had $50k in cash.
2013: $60k - Full time student
2014: $41k - Full time student. Ended up spending all my cash on living expenses and began dipping into investments
2015: $50k - First professional job after graduating
2016: $52k - Bought a new car
2017: $111k - I watched "The Retirement Gamble" on PBS which featured Jack Bogle. It led me to discover Vanguard index funds, this
forum, and the FIRE community on Reddit.
2018: $120k
2019: $223k - First time maxing 401k and Roth IRA!
2020: $306k
2021: $423k


In 2022 I won't be able to max out 401k contributions, plan it to build up some cash. Currently only have $2k in savings :? . Near term goal is to hit $500k investments by end of 2024. I'll be 41 years old.
mikejuss
Posts: 2833
Joined: Tue Jun 23, 2020 1:36 pm

Re: Share your net worth progression

Post by mikejuss »

smalliebigs wrote: Fri Dec 31, 2021 6:05 pm 33yo/33yo, 2 kids

I'm the only one working, salary a measly $120,000 in Midwest

Dec 2018: $440,000
Dec 2019: $580,000
Dec 2020: $725,000
Dec 2021: $1.2m

I think we're doing OK. For sure can do better on the spending front, but want to keep life/retirement in balance. Dropped 401k to only max match, but still maxing HSA/Roth IRAs. Whatever we have left over each month, we put into taxable.
Did you receive a series of large windfalls? Minimal 401(k), HSA, and IRA contributions are not going to add hundreds of thousands of dollars a year to a person's net worth.
50% VTSAX | 25% VTIAX | 25% VBTLX (retirement), 25% VTEAX (taxable)
mikejuss
Posts: 2833
Joined: Tue Jun 23, 2020 1:36 pm

Re: Share your net worth progression

Post by mikejuss »

Morford wrote: Sat Jan 01, 2022 10:19 am 1/1/14 - $995,065
1/1/15 - $1,142,264
1/1/16 - $1,282,956
1/1/17 - $1,704,025
1/1/18 - $2,645,871
1/1/19 - $2,720,126
1/1/20 - $3,700,603
1/1/21 - $5,086,000
1/1/22 - $6,945,879 (age 42)

Thank you for the poster who pulled the graph together. Really interesting look at the community. Updating with my age.
Well done. Is the main driver of your growth contributions or investment returns?
50% VTSAX | 25% VTIAX | 25% VBTLX (retirement), 25% VTEAX (taxable)
retire2044
Posts: 90
Joined: Sun Aug 31, 2014 12:17 pm

Re: Share your net worth progression

Post by retire2044 »

Always enjoy following this thread, figured it was time to play along.

1/1/11- ($193,577)- Graduated dental school 6/2010, student loan debt for wife and I. Purchased first home 6/2010.
1/1/12- ($143,047)- Working on student loans, purchased dental practice 11/2011.
1/1/13- $89,645- Finally made it to positive net worth! Purchased commercial building for dental office 10/2013.
1/1/14- $304,647
1/1/15- $522,889
1/1/16- $729223
1/1/17- $981,717- Student loans for wife and I completely paid off.
1/1/18- $1.2m- Excited to cross into 7 figures!
1/1/19- $1.31m
1/1/20- $1.6m- Purchased new home for $500k.
1/1/21- $2.01m- Second million felt good, wife just smiled when I told her.
1/1/22- $2.58m

We have allowed some lifestyle creep through the years, enjoy going to live sporting events, concerts, etc. with the kids. I take 5-6 weeks off per year, do not work Fridays anymore. Still have a ways to go before FI, but enjoying the life my wife and I have made so far. Happy New Year!
theorist
Posts: 1329
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Re: Share your net worth progression

Post by theorist »

jimmmy wrote: Sat Jan 01, 2022 8:53 am
jimmmy wrote: Thu Jun 24, 2021 1:16 pm Net Worth | Gross Earned Income | Total Spend

Age 22 12/17/2010: $7k | $31k | ?
Age 23 12/17/2011: $17k | $34k | ?
Age 24 12/31/2012: $40k | $44k | ?
Age 25 12/31/2013: $39k | $14k | $20k
Age 26 12/31/2014: $52k | $47k | $24k
Age 27 12/31/2015: $51k | $29k | $24k
Age 28 12/31/2016: $40k | $0k | $12k
Age 29 12/31/2017: $48k | $14k | $21k
Age 30 12/31/2018: $62k | $42k | $16k
Age 31 12/31/2019: $105k | $51k | $18k
Age 32 12/31/2020: $165k | $57k | $16k
Age 33 12/31/2021: $235k | $61k | $15k
Rapid progress! How do you keep your spend so incredibly low?
IHaveQuestions
Posts: 12
Joined: Sun Feb 17, 2019 4:14 pm

Re: Share your net worth progression

Post by IHaveQuestions »

36/32 - 210k annual income / HCOL area

8/2019 - 167k
8/2020 - 215k
1/2021 - 265k
1/2022 - 394k
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5th_Dimension
Posts: 216
Joined: Mon Jul 11, 2016 1:05 am

Re: Share your net worth progression

Post by 5th_Dimension »

Update for 2021.

2001 -$44,000 - Age 42
2002 -$41,000
2003 -$33,000
2004 -$25,000
2005 -$23,000
2006 -$12,000
2007 -$9,000
2008 $20,000
2009 $30,000
2010 $42,000
2011 $54,000
2012 $86,000
2013 $186,000
2014 $232,000
2015 $272,000
2016 $320,000
2017 $437,000
2018 $723,000 - Inheritance
2019 $972,000
2020 $1,103,000
2021 $1,297,000

Figures are total net worth. Wife and I are 62.
Pick up a penny and soon you'll have many.
rhubarbpie
Posts: 82
Joined: Mon May 03, 2021 9:18 am

Re: Share your net worth progression

Post by rhubarbpie »

Action321 wrote: Sat Jan 01, 2022 10:51 am Year-end balance in investments
2001: $0 - Graduated high school.
...
2018: $120k
2019: $223k - First time maxing 401k and Roth IRA!
2020: $306k
2021: $423k
In 2022 I won't be able to max out 401k contributions, plan it to build up some cash. Currently only have $2k in savings :? . Near term goal is to hit $500k investments by end of 2024. I'll be 41 years old.
Great job. $500k is my next big goal, as well, but I'm a little older than you. The way the market has done the last couple of years just blows my mind. I keep on reminding myself that it probably won't last forever...
rhubarbpie
Posts: 82
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Re: Share your net worth progression

Post by rhubarbpie »

I'm 45, single, and rent.

2/2018 $244k This was the year I got divorced, so kind of a 'starting point' of sorts.
1/2019 $237k Moving (twice!), not working full time.
1/2020 $275k Still not working full time, going back to school, increase is mostly due to the market
1/2021 $310k Market, stimulus, really low spending rates in 2020
12/31/2021 $359k Started my new job in September, started maxing out the retirement accounts as soon as possible.

Not much compared to others here but I'm pleased with how the decisions I've made in the last few years have worked out, and this year's gains/contributions have put me at nearly 10x salary.
cogito
Posts: 311
Joined: Fri Nov 30, 2018 1:12 am

Re: Share your net worth progression

Post by cogito »

cogito wrote: Mon Aug 31, 2020 6:06 pm For me and my wife (31/30):

2014: -80k (Got married at 25/24, combined debt together)
2015: -57k (Discovered bogleheads)
2016: 54k (First career success, got a bonus, paid off all debt, and contributed and maxed out a 401k for the first time)
2017: 118k
2018: 203k (Changed jobs, have two kids, wife has been stay-at-home)
2019: 290k
2020: 568k
2021: 1M
hmw
Posts: 1246
Joined: Sun Mar 02, 2014 10:44 am

Re: Share your networth progression

Post by hmw »

hmw wrote: Sat Jan 02, 2021 12:51 pm
hmw wrote: Tue Dec 31, 2019 11:58 pm
hmw wrote: Tue Jan 01, 2019 4:20 pm
hmw wrote: Mon Jan 01, 2018 9:56 pm
hmw wrote: Mon Feb 27, 2017 10:55 am

Update

12/31/2015. 1.84 million
12/31/2016. 2.45 million
02/2017. 2.6 million
Update

12/31/2017. 3.40 million
update

12/31/2018 3.74 million
update

12/31/2019 5.24 million
Update

12/31/2020 6.58 million
Update

12/31/2021 9.03 million, age 47.
lostdog
Posts: 5368
Joined: Thu Feb 04, 2016 1:15 pm

Re: Share your net worth progression

Post by lostdog »

Age: Her 43 and me 46

2019 $783,745.00
2020 $966,119.00
2021 $1,125,497.09
Stocks-80% || Bonds-20% || Taxable-VTI/VXUS || IRA-VT/BNDW
Action321
Posts: 7
Joined: Mon Oct 19, 2020 8:33 pm

Re: Share your net worth progression

Post by Action321 »

rhubarbpie wrote: Sat Jan 01, 2022 11:39 am I'm 45, single, and rent.

2/2018 $244k This was the year I got divorced, so kind of a 'starting point' of sorts.
1/2019 $237k Moving (twice!), not working full time.
1/2020 $275k Still not working full time, going back to school, increase is mostly due to the market
1/2021 $310k Market, stimulus, really low spending rates in 2020
12/31/2021 $359k Started my new job in September, started maxing out the retirement accounts as soon as possible.

Not much compared to others here but I'm pleased with how the decisions I've made in the last few years have worked out, and this year's gains/contributions have put me at nearly 10x salary.
Nice job man! I hope you continue updating us in upcoming years. Single income is more of a challenge, compared to most here that are in households with two earners.
dreamrrr
Posts: 70
Joined: Thu Nov 12, 2015 5:47 pm

Re: Share your net worth progression

Post by dreamrrr »

dreamrrr wrote: Tue Jan 01, 2019 2:17 pm 2001 $158,563
2002 $191,094
2003 $204,039
2004 $269,122
2005 $318,511
2006 $381,979
2007 $461,929
2008 $510,606
2009 $615,093
2010 $719,125
2011 $816,346
2012 $896,043
2013 $1,007,604
2014 $1,091,028
2015 $1,095,865
2016 $1,148,213
2017 $1,262,862
2018 $1,268,716
Time for an update.

2019 $1,459,710
2020 $1,691,983
2021 $2,054,752

My progress has been slow and steady. I've been tracking my investments monthly since 1991. The above does not include my home value which is currently valued at $500K.

Timeline with some notes.

Image
mikejuss
Posts: 2833
Joined: Tue Jun 23, 2020 1:36 pm

Re: Share your net worth progression

Post by mikejuss »

dreamrrr wrote: Sat Jan 01, 2022 12:44 pm 2001 $158,563
2002 $191,094
2003 $204,039
2004 $269,122
2005 $318,511
2006 $381,979
2007 $461,929
2008 $510,606
2009 $615,093
2010 $719,125
2011 $816,346
2012 $896,043
2013 $1,007,604
2014 $1,091,028
2015 $1,095,865
2016 $1,148,213
2017 $1,262,862
2018 $1,268,716
How were you net positive between 2008-09?
50% VTSAX | 25% VTIAX | 25% VBTLX (retirement), 25% VTEAX (taxable)
dcop
Posts: 364
Joined: Fri Sep 08, 2017 6:06 pm

Re: Share your net worth progression

Post by dcop »

EOY 2006 NW: $478,999.31
EOY 2007 NW: $536,121.62
EOY 2008 NW: $407,109.81
EOY 2009 NW: $562,688.16
EOY 2010 NW: $666,994.26
EOY 2011 NW: $692,506.61
EOY 2012 NW: $816,233.12
EOY 2013 NW: $1,055,741.82
EOY 2014 NW: $1,209,388.16
EOY 2015 NW: $1,284,413.62
EOY 2016 NW: $1,472,810.72
EOY 2017 NW: $1,749,802.48
EOY 2018 NW: $1,716,265.54 - retired in May 2018
EOY 2019 NW: $2,133,530.82
EOY 2020 NW: $2,305,747.97
EOY 2021 NW: $2,658,175.44

Gain/Loss 2021 vs 2020: $352,427.47


-Withdrawls from Reirement Accounts - $29,305.00: currently stored in checking account but will be used in 2022 spending
-Does not include any real property which I don't own anyways other than a car

* any year-end that my networth is at least $.01 or more higher than the beginning of the year I don't have to focus on the 4% rule or any variant of it
dcop
Posts: 364
Joined: Fri Sep 08, 2017 6:06 pm

Re: Share your net worth progression

Post by dcop »

mikejuss wrote: Sat Jan 01, 2022 12:48 pm
dreamrrr wrote: Sat Jan 01, 2022 12:44 pm 2001 $158,563
2002 $191,094
2003 $204,039
2004 $269,122
2005 $318,511
2006 $381,979
2007 $461,929
2008 $510,606
2009 $615,093
2010 $719,125
2011 $816,346
2012 $896,043
2013 $1,007,604
2014 $1,091,028
2015 $1,095,865
2016 $1,148,213
2017 $1,262,862
2018 $1,268,716
How were you net positive between 2008-09?
2009 was a huge recovery from the crash. Although being positive 2007-2008 was an accomplishment.
dreamrrr
Posts: 70
Joined: Thu Nov 12, 2015 5:47 pm

Re: Share your net worth progression

Post by dreamrrr »

mikejuss wrote: Sat Jan 01, 2022 12:48 pm
dreamrrr wrote: Sat Jan 01, 2022 12:44 pm 2001 $158,563
2002 $191,094
2003 $204,039
2004 $269,122
2005 $318,511
2006 $381,979
2007 $461,929
2008 $510,606
2009 $615,093
2010 $719,125
2011 $816,346
2012 $896,043
2013 $1,007,604
2014 $1,091,028
2015 $1,095,865
2016 $1,148,213
2017 $1,262,862
2018 $1,268,716
How were you net positive between 2008-09?
Well I had a low allocation to stocks at that time. Most of my investments were in a stable value fund due to a personal need to raise cash at that time. I also had a high savings rate. Took a $25k loss on stocks in 2008 which I used to offset income and ended up net $48K ahead in 2008 due to savings rate of 50% of take home pay.
sedna273
Posts: 55
Joined: Sat Apr 04, 2015 5:48 pm

Re: Share your net worth progression

Post by sedna273 »

Single renter, $90k/yr, early 30's.

Last year around this time I was astonished to hit the $500k mark, making my net worth equivalent to my total income. I'm closing out this year just north of $650k NW. Thank you to the Bogleheads forum - I was very lucky to find this community in my mid-20's. Happy New Year everyone!
:sharebeer
Last edited by sedna273 on Sat Jan 01, 2022 2:04 pm, edited 1 time in total.
minimalistmarc
Posts: 1636
Joined: Fri Jul 24, 2015 4:38 pm

Re: Share your net worth progression

Post by minimalistmarc »

£1.5 or ~ $2 mill in US money, not including DB pension or paid off house.

44, 2 kids.
Gus Chiggins
Posts: 81
Joined: Thu Apr 16, 2015 8:35 am

Re: Share your net worth progression

Post by Gus Chiggins »

38/37, DINKs, VHCOL, 90/10 low cost index funds with a moderate small value tilt

2013: ($2,000)
2014: $61,000
2015: $145,000
2016: $303,000
2017: $484,000
2018: $562,000
2019: $838,000
2020: $1,260,000
2021: $2,066,000
User avatar
boglehat
Posts: 100
Joined: Mon Jul 14, 2014 9:31 am

Re: Share your net worth progression

Post by boglehat »

boglehat wrote: Wed Aug 12, 2020 3:32 pm DW and I just hit $1M this week :D! (current ages ~29, no kids yet, VHCOL)

Our earnings have fluctuated widely based on career choices, but throughout we've aimed to save 50%+ and have stayed the course with a simple 3 fund portfolio. ~90% equities throughout, with a plan to lower it over time.

2013: ~$20k (started working)
2014: ~$80k
2015: ~$190k
2016: ~$300k
2017: ~$490k
2018: ~$550k
2019: ~$780k
2020 (YTD): ~$1M

About $220K of the $1M come from market returns. A bunch of it is in tax deferred accounts, so net worth after subtracting deferred taxes and capital gains is lower.
2020: $1.25M
2121: $1.85M
smalliebigs
Posts: 450
Joined: Wed Jan 04, 2017 9:48 am

Re: Share your net worth progression

Post by smalliebigs »

mikejuss wrote: Sat Jan 01, 2022 10:54 am
smalliebigs wrote: Fri Dec 31, 2021 6:05 pm 33yo/33yo, 2 kids

I'm the only one working, salary a measly $120,000 in Midwest

Dec 2018: $440,000
Dec 2019: $580,000
Dec 2020: $725,000
Dec 2021: $1.2m

I think we're doing OK. For sure can do better on the spending front, but want to keep life/retirement in balance. Dropped 401k to only max match, but still maxing HSA/Roth IRAs. Whatever we have left over each month, we put into taxable.
Did you receive a series of large windfalls? Minimal 401(k), HSA, and IRA contributions are not going to add hundreds of thousands of dollars a year to a person's net worth.
I only went to max match 401k late in 2021.

I did get a small "windfall" of sorts, in that my parents transferred their rental properties to me in 2021.
soccerbogle
Posts: 39
Joined: Tue Sep 08, 2020 6:53 pm

Re: Share your net worth progression

Post by soccerbogle »

Single, no kids

Salary ~115k. Big incomes (200k+) in 18 and 19 really helped boost me up. Spent time overseas to get it; those salaries aren't sustainable in my career field. Roughly 200k is home equity.

2017 - 30 - 240k (est)
2018 - 31 - 290k (est)
2019 - 32 - 450k (est)
2020 - 33 - 617k
2021 - 34 - 749k
2022 - 35 - 927k

Hope to cross a million this year... stretch goal of 1.1, though its completely dependent on the market lol

Happy New Year to all the bogleheads 8-)
z9852
Posts: 24
Joined: Sun Sep 17, 2017 5:32 pm

Re: Share your net worth progression

Post by z9852 »

Updating for end of year (age 34 this 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)
12/31/2020 $983,064 (nothing notable again)
12/31/2021 $1.33M (~$70k inheritance this year, no other notable changes)

I've got a goal this year to change jobs and significantly increase income. Happy new year all :beer
mattshwink
Posts: 455
Joined: Mon Sep 21, 2015 10:01 am

Re: Share your net worth progression

Post by mattshwink »

mattshwink wrote: Fri Jun 04, 2021 9:31 pm 2009 $274k
2010 390k
2011 432k
2012 612k
2013 828k
2014 1.12 mil
2015 1.22 mil
2016 1.16 mil
2017 1.43 mil
2018 1.39 mil
2019 1.84 mil
2020 2.20
2021 2.4 mil (June)
2021 2.7 mil (EoY) - Age 47, Spouse 44

Bought first home in 2006. Sold it in in 2016 and bought current home. Roughly 53% equity of $505k (not included in above)
athan
Posts: 292
Joined: Fri Nov 13, 2015 3:33 pm

Re: Share your net worth progression

Post by athan »

I haven't really kept great records, but I'll estimate the best I can.

2010 (200,000 in school loans)
2012 graduated and got married (back to even thanks to DW good financial habits)
2015 450k
2018 900k
2019 1.1M
2020 1.3M
2021 3.3M (Tesla took off and paid off mortgage)
January 2022 4.0M (includes 400k primary residence and 300k 529s for 2 kids)

50% of portfolio currently TSLA and plan to build up cash reserves with new money. 350k income per year on average
User avatar
riverant
Posts: 1073
Joined: Tue May 04, 2021 6:51 am

Re: Share your net worth progression

Post by riverant »

Both 37, 2 kids, HCOL

Liquid Net Worth (xHome Equity) | Total Net Worth
2015: 262K | 370K
2016: 343K | 500K
2017: 466K | 641K
2018: 505K | 709K
2019: 721K | 938K
2020: 871K | 1.11M
2021: 1.28M | 1.65M

Strong annual raises since 2016 and a promotion to start 2021 has helped quite a bit, driving more of our 42% post-tax savings rate than any sort of frugal habits. Drive two 2013 vehicles and in the same house we bought in 2011 on much lower incomes (though I'm itching to move bigger). My best estimate has us getting to $2m liquid net worth by the end 2025, which can be accelerated either by a promotion or continued strong market performance and assumes we don't move.
Last edited by riverant on Sat Jan 01, 2022 3:45 pm, edited 2 times in total.
avocadotoast
Posts: 11
Joined: Thu Dec 09, 2021 1:11 am

Re: Share your net worth progression

Post by avocadotoast »

This is household net worth including retirement accounts and home equity. Currently single income 1 kid.

Year - NW
2015 - 124k (Age 27 - Moved in with a bunch of college kids to reduce expenses. Started an IRA. Started doing mega backdoor roth)
2016 - 255k (Got Married & combined finances)
2017 - 349k (Kid born, panicked and bought a house)
2018 - 526k
2019 - 746k
2020 - 1.01M
2021 - 1.36M (age 33)
Last edited by avocadotoast on Sat Jan 01, 2022 9:28 pm, edited 1 time in total.
jory1804
Posts: 82
Joined: Sat Dec 31, 2016 3:24 pm

Re: Share your net worth progression

Post by jory1804 »

jory1804 wrote: Fri Jan 01, 2021 5:52 pm
jory1804 wrote: Sat Dec 28, 2019 9:26 pm
jory1804 wrote: Sat May 11, 2019 9:17 pm
jory1804 wrote: Thu Jan 04, 2018 8:23 pm I don't have detailed yearly records, but my general progression is:

2004: $100k (graduated from college, made some money while there)
2007: $200k (changed jobs)
2011: $1.2M (got married, career has been pretty good)
2016: $7M (career has been really good, the market has gone up)
2017: $9M (more of the same)

I've been fortunate to have a career in a successful industry, and to have done well in it.
2018: $11.5M
2019: $13.5M
2020: $16M (age 39). Feeling fortunate for sure.
2021: $17.6M
slalom
Posts: 343
Joined: Mon Dec 25, 2017 3:59 am

Re: Share your net worth progression

Post by slalom »

42, Single, VHCOL

(These are all EoY and include home equity)

2001 - ~$0 - broke, just graduated college - no loans but wanted to be in the arts
2002 - ~$0 - making enough to get by, zero savings after rent etc
2003 - “
2004 - “
2005 - ~$? - got a job in tech, but it was a small company run by a miserly CEO. No records from back then.
2006 - “
2007 - “
2008 - $12k - raises, better job,, had been putting in 6% to 401k heavy intl risk (still wasn’t much) but lost most of it in the crash
2009 - $70k - finally saving, some Paid OT/bonuses - promptly bought a fancy car like most young idiots
2010 - $77k - took me a while to get back what I spent on the car
2011 - $144k - more raises, really rolling with the saving by this time
2012 - $190k - bought a house near the bottom, which would prove to be the game changer
2013 - $300k - house went up in value hugely, plus lots more saving
2014 - $423k - more of the same
2015 - $507k - a bit of a holding pattern
2016 - $711k - big bonuses regularly, more forced saving/investing, bull market, maxing 401k
2017 - $879k - “
2018 - $952k - My tech heavy portfolio got killed this year. Also lost some home value as market here softened. I only am as high as this because of a crazy amount of saving and deposits into investments. At some point it was $1080k. Staying at the $1 MM mark still seems unattainable.
2019 - $1.24 MM - hit the big 4-0 this year (age) - just like most others, the market helped a lot, as did two separate 50% ESPP profit trades
2020 - $1.64 MM - kind of hard to believe I'm up so much despite this chaotic catastrophic year but so far the market has weathered it.. had fantastic ESPP luck again too
2021 - $2.14 MM - nice housing bump, big portfolio gains, major bonus, continued to save a lot by not doing much of anything during the plague!
jdsnee
Posts: 18
Joined: Tue Feb 20, 2018 9:19 pm

Re: Share your net worth progression

Post by jdsnee »

jdsnee wrote: Mon Jan 04, 2021 10:57 am 2020: $30,000
2021: $104,000 (23 years old)

Was able to save and invest basically every penny from my first post-college job due to generous parents letting me live at home rent free while working virtually. Also got lucky investing my signing bonus at the market bottom in March.
2022: $167,000
Latestarter62
Posts: 52
Joined: Wed Nov 21, 2018 6:06 pm
Location: USA

Re: Share your net worth progression

Post by Latestarter62 »

Latestarter62 wrote: Thu Jun 04, 2020 1:39 pm Low income family, but in a LCOL area thankfully. We are in our 50s so we are way behind, but we are gaining ground and are very frugal. This excludes our home.

Feb 2018 59K
Dec 2018 97K
Dec 2019 192K *rec'd an inheritance of 50K
Current 217K
Jan 1, 2022 343K We saved/invested 65.8% of net income in 2021.
mikejuss
Posts: 2833
Joined: Tue Jun 23, 2020 1:36 pm

Re: Share your net worth progression

Post by mikejuss »

jory1804 wrote: Sat Jan 01, 2022 3:46 pm 2021: $17.6M
:shock: Are you in tech?
50% VTSAX | 25% VTIAX | 25% VBTLX (retirement), 25% VTEAX (taxable)
Firemenot
Posts: 1497
Joined: Wed Apr 01, 2020 8:48 pm

Re: Share your net worth progression

Post by Firemenot »

mikejuss wrote: Sat Jan 01, 2022 4:49 pm
jory1804 wrote: Sat Jan 01, 2022 3:46 pm 2021: $17.6M
:shock: Are you in tech?
Clearly an equity position in a company with a value that exploded. Much of that is just right time, right place — unless a founder or something. There are plenty of companies outside of tech that have such performance too.
mikejuss
Posts: 2833
Joined: Tue Jun 23, 2020 1:36 pm

Re: Share your net worth progression

Post by mikejuss »

Firemenot wrote: Sat Jan 01, 2022 5:02 pm
mikejuss wrote: Sat Jan 01, 2022 4:49 pm
jory1804 wrote: Sat Jan 01, 2022 3:46 pm 2021: $17.6M
:shock: Are you in tech?
Clearly an equity position in a company with a value that exploded. Much of that is just right time, right place — unless a founder or something. There are plenty of companies outside of tech that have such performance too.
May we all be employed by the next Tesla!
50% VTSAX | 25% VTIAX | 25% VBTLX (retirement), 25% VTEAX (taxable)
Vihoo
Posts: 91
Joined: Wed Jun 05, 2019 11:48 pm

Re: Share your net worth progression

Post by Vihoo »

Vihoo wrote: Fri Jan 01, 2021 12:23 am
Vihoo wrote: Thu Jan 09, 2020 11:23 pm
33 - Dec 2019: $442k (+148%)
34 - Dec 2020: $776k (+75%)
30 - 2016: -$16k; Bought rental property
31 - 2017: $90k; 1st child, Bought rental property
32 - 2018: $178k (+97%); Began real job, Began maxing both 401ks, Bought rental property
33 - 2019: $442k (+148%); Job promotion, Bought rental property, Bought $TSLA
34 - 2020: $776k (+75%); Job promotion, Bought current primary
35 - 2021: $1.25m (+61%); 2nd child, Sold a rental property

:sharebeer
Andysgr
Posts: 12
Joined: Sun Jan 28, 2018 5:40 pm

Re: Share your net worth progression

Post by Andysgr »

2008 328k
2009 349k
2010 503k
2011 630k
2012 742k
2013 901k
2014 1.073M
2015 1.2M
2016 2.568M (1.2M Inheritance)
2017 2.92M
2018 3.29M
2019 3.896M
2020 4.337M
2021 5.186M
Morford
Posts: 54
Joined: Tue Jun 20, 2017 8:42 am

Re: Share your net worth progression

Post by Morford »

mikejuss wrote: Sat Jan 01, 2022 11:03 am
Morford wrote: Sat Jan 01, 2022 10:19 am 1/1/14 - $995,065
1/1/15 - $1,142,264
1/1/16 - $1,282,956
1/1/17 - $1,704,025
1/1/18 - $2,645,871
1/1/19 - $2,720,126
1/1/20 - $3,700,603
1/1/21 - $5,086,000
1/1/22 - $6,945,879 (age 42)

Thank you for the poster who pulled the graph together. Really interesting look at the community. Updating with my age.
Well done. Is the main driver of your growth contributions or investment returns?
I hadn’t really looked at it that way so not sure. I estimate 1/3 returns and 2/3 contributions. Have some work to do to figure out
SUP3RMAN 131
Posts: 51
Joined: Mon Mar 30, 2015 8:06 pm

Re: Share your net worth progression

Post by SUP3RMAN 131 »

SUP3RMAN 131 wrote: Thu Dec 31, 2020 10:12 am Year | Net Worth | Income | Age
2017 | $51,000 | $60,000 | 26
2018 | $84,000 | $63,000 | 27
2019 | $141,000 | $78,000 | 28
2020 | $236,000 | $85,000 | 29

I got lucky with my timing of a 401(k) rollover. Was out of the market from 2/14 to 3/1 so I missed the start of the crash. Rebounded nicely by the end of 2020 to finish with my best financial year to date.
2021 | $346,000 | $94,000 | 30

Finished up my CPA exams this year which provided a small bump in pay. Continue to max out my 401(k), roth IRA, HSA and contribute about $1,000 per month to a taxable account. Hopefully will hit $500,000 by the end of 2023. Renting so no home equity and single.
neko06
Posts: 97
Joined: Thu Aug 12, 2021 11:15 am

Re: Share your net worth progression

Post by neko06 »

This is my first year tracking my net worth and discovering bogleheads! I'm looking forward to seeing how these numbers grow. :D

2011 - net worth -$20,000 - age 24 - before tax salary $35,000 - first year working after college
2021 - net worth $345,000 - age 34 - after tax income $98,700 - savings rate 41%
Last edited by neko06 on Thu May 05, 2022 11:57 pm, edited 3 times in total.
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AnnetteLouisan
Posts: 7263
Joined: Sat Sep 18, 2021 10:16 pm
Location: New York, NY

Re: Share your net worth progression

Post by AnnetteLouisan »

1992: 80k in the red from student loans
1996: ZERO! Hooray!
Don’t invest because the market is “too high”
(Salary goes from 65 to 88 to 105 to 155 to 180 to 200)
2002: $240,000 - ten years out of law school, bank CDs (5yrs)
(Base Salary is at 210)
2008: $564,000 - still plugging away, sr associate in big law
2009: $385,000 😱
2010: started investing in matched 401k (AA 30/70)
2016: 1.05 mil!
reduced equity exposure because the market was “too high” 🙄 (salary: 240)
2017: bought a Manhattan co-op :oops:
2020: $1.66 million - still plugging away, this time with a matched 401k (salary: 285)
2021: $1.84 million 😎 - still working, finally got a Roth IRA (backdoor) and taxable account with Fidelity, and bought some I bonds. (Sal:290)
Goal: $2M by 12/31/22
Last edited by AnnetteLouisan on Sun Jan 02, 2022 8:34 am, edited 6 times in total.
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