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My Net Worth [Over 6+ Years]

million dollar net worth journey

Here’s every single month of tracking my net worth, going back over 5 6 7 years to the very first one I did in February, 2008. Complete with links to all blog posts where I broke down the month in detail – daddy don’t play around! ;)

If you’re asking yourself why someone might do such a thing, here are three reasons for you:

  1. It holds myself accountable (numbers don’t lie!)
  2. It keeps myself motivated towards the dream of a Milly (click to see how I’ll reach it)
  3. It reminds myself that it’s all a journey. Which is important for someone with A.D.H.D.

I highly encourage you to do the same if you haven’t started already (if you’re a regular reader of this blog you better be! ;)) There are a billion ways to track it, but I prefer using a plain ol’ Excel spreadsheet that I manually update at the end of every month. This forces me to stop and soak things in before moving on to the next shiny thing.

Here’s the exact template I use – complete with budget built in and all: J’s Financial Snapshot. If you’re not a spreadsheet guy and prefer something more automated (which is fine, whatever gets you to take action), you can try your hand with any of these places too:

There’s a ton of different ways to calculate your “net worth,” but technically speaking it’s:

All your Assets (savings, investments, property, etc) minus all your Liabilities (credit card debt, student loans, mortgages, etc) – that’s it.

Whatever number that equates to is your net worth. If you’re not sure what you should include and what you shouldn’t, just start tracking the parts that are important to you and you can tweak it over time. You can also check out this list of Blogger Net Worths I put together on my other site too, which will give you a good idea of how others calculate it (and even more juicier – what *their* net worths are ;)).

But again – this number is for YOU. Nobody cares as much about our money as you do, so always make that #1 priority. Include whatever makes the most sense to you!

Okay. Enough jabbering… Here is my complete list of all net worths I’ve tracked going back to February of ’08. The good, the bad, and even the most ugly months ;) But we “started from the bottom now we here!” – Drake.

Hope this inspires you in some small way… [Last updated: 2/4/15]

2015 Net Worth:

2014 Net Worth:

2013 Net Worth:

2012 Net Worth:

2011 Net Worth:

2010 Net Worth:

2009 Net Worth:

2008 Net Worth:

How’s your journey coming along? You tracking YOUR money too, right?

Again, the point of this isn’t to brag or show off numbers, but to hold our selves accountable and to continue REACHING for our next higher goal. And the only way to do that is to know where you stand at all times! So please please PLEASE start tracking where all your money’s at. You don’t have to share it with the world like us crazy bloggers, but do keep it somewhere so you can access it (and update it!) with each passing month.

Good luck! :)

PS: After spending some time soaking all this in, I realized a majority of the success here came from only focusing on one main thing: Retirement accounts. Yeah I hustled my ass off and got lucky here and there too, but the bulk of this success was maxing out both my Roth and my 401k/SEP every single year. You invest $20,000 a year and your wealth will explode too! Even if you never did anything else.


{ 45 comments… read them below or add one }

1 CisforV May 20, 2014 at 10:05 am

Enjoying the site and it’s always nice to see progress like this, but to be fair you picked the best time to invest. Starting at the bottom in 2008 and having a five year bull market to assist your growth.

Having read lots of FI blogs starting around the same time, I’m interested to see how things work out when the next bear strikes.


2 J. Money May 20, 2014 at 11:35 am

True, but also at the same time my house value plummeted as well – helping to even it out ;) As did the first chunk of investments I had before the crash too before it made a come back.

But you’re right – it’s been a damn good time to invest. And when it crashes again (‘cuz of course it will) I’ll just continue picking up more funds (on the cheap!!) knowing it’s all about the end game years down the line. Which is the beauty of starting out early in life – plenty of time to let it grow!


3 Ryan@investingthatinspires May 20, 2014 at 10:17 pm

That is one awesome looking chart :) We have been working on maxing out our IRA’s, and your right, if you stay focused on it, before long it’s amazing what you begin to accumulate. And yes, the awesome market has help for sure. I am interested to see what everyone’s net worth does during the next recession, whenever that might be. In the long term, the market goes up, so best to stay focused and invested!


4 J. Money May 21, 2014 at 11:33 am

You know it! Plenty of pros in a down market too, so as long as we stay on the mission we really can’t go wrong :)


5 Derek Olsen May 21, 2014 at 1:47 am


Love it.


6 J. Money May 21, 2014 at 11:34 am


Love! :)


7 constance k May 27, 2014 at 1:12 am

Love this I need to start tracking my money, I belong in the lazy bunch


8 J. Money June 8, 2014 at 2:59 pm

Please do! Doesn’t matter what stage in life you are either – just merely tracking it will help you mentally get better over the years :)


9 FI Fighter June 4, 2014 at 10:47 am

So much transparency, great stuff! Love the look of that graph… J$ keeps on moving on up!!!


10 J. Money June 8, 2014 at 3:00 pm

Thanks man! If I were a smarter man I’d start going down your route with real estate too :) You’re graph is going to look a lot sexier than mine as time goes on!


11 Julie @ Millennial Cents July 3, 2014 at 7:38 am

Love this! I wish I could track mine on my site, but the hubby says no ;-(
Tracking it personally now with mint- but I do think publicly posting is a great way to stay accountable and FOCUSED for all of us with ADHD.


12 J. Money July 5, 2014 at 4:45 pm

Hah! Indeed.

As long as you’re tracking it though it’s good in my book :) Only crazies post their numbers online for the world to see (double hah!)


13 Ed July 7, 2014 at 9:06 pm

I just noticed our net worth numbers are within a thousand dollars of each other!!!


14 J. Money July 9, 2014 at 11:46 am

Sweet! Are you going to copy me all the way up to a million too? ;)


15 Josh July 8, 2014 at 7:14 pm

I’ve been using for several years, and I love seeing how compounding and small changes in my lifestyle has made a huge difference in the bottom line. Just checked back to see my “net worth trend” and I was at -$150,000 in 2010, but on the plus side a whole $38k now, with student loans paid off and the car almost paid off! Can’t wait to drop that debt and only have my underwater mortgage left. Probably a year left until I get to scream and shout like you did with your no-longer-underwater-mortgage. It’s been a long 8 years already being underwater… maybe my next career is in pearl diving? :)


16 J. Money July 9, 2014 at 11:50 am

HAH! That’s a crazy ratio you got going on too. You’re averaging $50k in increase every year! Way to go!


17 Mr. SSC August 31, 2014 at 4:40 pm

I like the net worth tracker. I find that for me, seeing the ups and downs while my investments are still marching towards that goal of early retirement keeps it real and in the front of my head. I’d accumulated a lot of credit card debt and school loans and it wasn’t until I started tracking spending and assets with a simple spreadsheet, that I was able to rein it in. Now I’m ~5 yrs away from financial independence and getting to transition from dual income to dual stay at home parents. Tracking my spending and investments was key to getting on the path to FI.


18 J. Money September 1, 2014 at 3:08 pm

Rock on! I love to hear that!! And I totally agree – the tracking part of stuff does wonders, no matter what stage of the game you’re in. I hope to reach your guys’ stage too in the near future – congrats :) And now of course I have to go check out your blog… while sipping coffee.


19 JSBuilds October 3, 2014 at 4:29 am

JMoney, looking good man, you have come along damn way since you started. It has just been recently that i started throwing all of my expenses together to see where i am sitting financially speaking. I dont know if turning 30 was what happened or getting married and soon to have a kid is the reason for doing it but i love it.

Do you find that by running this website and keeping track of your networth you are getting overwhelmed in it all? Seems to me like the more i write stuff down and think about it the less i can think about other things even when its time to goto sleep.

Anyways I’m going to keep tuning into your blog, i like reading the articles and looking at peoples net worth as well. I don’t do it for a competition but its nice to know that there are people out there that take this shit as serious as me.

Tossing around the idea of starting my own little financial blog but have never done anything like that before so i don’t really know if it for me or not. Don’t even know how i would get people to read it to start with.

Keep up the good work, I look forward to seeing you hit 1m$


20 J. Money October 6, 2014 at 12:14 pm

I actually go into two phases with this stuff: 1) When i get things out of my head and online it helps to free up my mind :) but on the other hand, 2) I do get sucked in and end up thinking about money, net worth, life, career, etc a lot too since I now do this stuff full-time. It’s a hard balancing act for sure, but much better than not paying attention at all and just keeping my head in the sand :)

RE: Blogging – only one way to find out! If you’re passionate about it and enjoy interacting with others, give it a shot and see how you like it. I had no idea it would turn into what it did all these years later (I’m almost at 7 years of blogging now), where as I’ve quit 99% of all other hobbies I’ve tried in the pas too, haha… But you never know until you just do it and see what happens. There’s a lot more potential for opportunies out of a blog than most people (myself included) ever realized. Shoot us the url if you go for it and I’ll check it out :)


21 JSBuilds November 7, 2014 at 2:50 am

Signed up today, just waiting for everything to go through, apparently they don’t like the fact that my IP of where I am is over 8000km from my billing address.


22 J. Money November 10, 2014 at 3:02 pm

Oh jeez, haha… well hopefully it works out in the end :)


23 Jason @ Islands of Investing November 18, 2014 at 11:27 pm

I love this page, it’s just amazing to see the culmination of 6 years of hard work, saving and investing, in one ‘sexy’ little chart like that. I’ve always been a little less disciplined with tracking, but I’ve been slowly coming around to the idea of sharing this on my blog – setting some goals and being motivated to grow this thing! Was always reluctant to share this with the world, as I didn’t think anyone would care, but seems like some people find it interesting, and as you said, it’s more to keep you accountable anyway.

Think I’ll just share my stock portfolio though, as that’s the real focus for me – and don’t want to share everything with friends, co-workers and other acquaintances who might stumble across my site!


24 J. Money November 22, 2014 at 12:13 pm

Hey man! Oddly enough I was literally just on your blog for the first time last night – I’m really enjoying it :) And I’d agree – stick with what you’re comfortable with especially if friends and people you know in the real world read your site. What’s the info is out there it’s hard to go back. And you can always divulge more later too if you change your mind…

Glad you like this page! It’s one of my favorites too. Amazing to see your entire financial life over the years in one spot. The benefit of being a financial blogger :)


25 Jason @ Islands of Investing November 24, 2014 at 5:40 am

Ha that is quite a coincidence! I’m thrilled you’ve made a trip to the Islands and are enjoying it :)

Definitely keen to get some tracking up and running soon on the site – especially as I’ve just gone and made my journey to financial independence a whole lot harder with the purchase of a new home! The extra motivation of putting my portfolio out there for others to see will hopefully help spur me along to great things :)


26 J. Money November 26, 2014 at 9:14 pm

Oh boy. Yeah, that opens up a whole other can of worms in the personal finance world, haha… You might as well tell people you buy coffee every day! Hah! (But I’m with you – gotta do with what’s best for you and your family in any situation regardless of what others may think… But still keep an ear out in case they whisper words of wisdom that can help us in the future :))


27 Michael Mota @ negativetopositivenetworth December 26, 2014 at 10:10 pm

Awesome site and I love the net worth pages! Will definitely be visiting the site often.


28 J. Money December 29, 2014 at 8:34 pm

I’m glad, Michael – thanks for stopping by :)


29 Gen Y Finance Guy January 26, 2015 at 10:13 pm

Absolutely love the transparency. There is something about seeing real numbers that makes a personal finance blog seem authentic. I just recently got into the personal finance blogging world myself about 4 months ago. I knew from day one after reading your site and plenty of others that I wanted to be fully transparent to my readers.

How else are readers supposed to know if what you write about is actually working and worth there time? And the extra accountability and motivation that comes with posting your numbers out there on the web for everyone to see and scrutinize.

Its one thing to think about posting your numbers. I will admit that I hesitated this morning when I published my new financial stats page and the corresponding post announcing the new page and new detailed income/net worth report I would be publishing starting with January of 2015.

I am committed now. Looking forward to catching up to you. The wife and I have made a lot of progress over the past 3-years. At the end of 2012 our net worth was just $42,000 and at the end of 2014 it has climbed to $197,000. Should hit $200,000 in another month and then its on the march to $300,000.

I think we should be able to grow the net worth by about $60K to $100K this year without any market appreciation. We just initiated our 7-year plan in January to pay off the mortgage early. On top of this we will start maxing out an IRA for my wife (we already max out my 401K).

Thanks again for being an inspiration.



30 J. Money January 31, 2015 at 3:39 pm

YES! Love to see this!! Being mortgage free would be incredible – on top of how fast your net worth grows and compounds over those 7 years. Good for you for jumping all on it, and then for sharing it with everyone online too. It really is amazing how much this helps people whether they tell you so or not.

Going now to check out your blog :) Congrats on getting it launched!


31 Jasmine January 31, 2015 at 4:55 pm

My graph isn’t the only sexy thing about me.

No, really, I’m an exotic dancer.


32 J. Money January 31, 2015 at 8:18 pm

Hah – even better :)


33 john February 4, 2015 at 7:53 am

i used to be of the mindset that was easily intimidated by large numbers, and would just wait and procrastinate. in fact i found your blog last year some time, downloaded the sexy budget template, and even used it for almost 2 months. then i stopped, and guess what, not much changed for me financially. i paid most stuff on time, side hustled here and there, was a water treader.

i got original at the end of december and went with pseudo new years resolutions. i found a net worth spreadsheet i liked, adapted to my needs and situation, and went crazy, filling it all out. my net worth, not-lol, is -10k. and i dont have a house yet.

but, in one month of not budgeting but consciously being aware of the fact that come feb 1st i’d be filling it out again, i went down to -6k. i have some massive side hustles going right now, made a niche site last month that showed a few dollars profit but is growing, am building out two other sites, and have been going crazy on amazon fba program. point is, i expect to be in the black in less than three months, which is ironic considering ive just begun really tracking.

i enjoy your blog, a lot, and i find many actionable steps here. its not only inspiring me to take control of my situation, it does so in less drastic means than mr money mustache for example, kind of bridging the gap between a consumer driven lifestyle and where i hope to go. ive always been a side hustler, but ive also always spent the earnings. now i am learning to apply them to true growth.

anyway, that is all. i don’t comment too much but i heard an old podcast from financial samurai on pat flynn’s podcast last night, and he said he tries to comment because he knows how much work people spend on their posts, and how good it feels to get comments. i need to engage in the community more to get all the benefits!!

keep up the good work, and thanks for the help.


34 J. Money February 7, 2015 at 1:11 am

Pat’s a smart guy, we love getting comments :) And we both respond to them too since we know YOU take time to share your thoughts with us as well! After all, we wouldn’t be doing what we do if no one read what we were writing.

Now as for your hustling and new mindset? BAD ASS man. Seriously. And I completely agree with tracking everything for a bit to really let things sink in. I don’t track every penny like I used to because I now know what the heck I’m doing compared to always *thinking* I knew what I was doing w/out looking at the cold facts. It really is amazing how much smoother your life gets too once you’ve solved the money puzzle… It doesn’t mean we never get into trouble again w/ $$$ (I’m always making dummy mistakes) but by and large it’s a lot easier to power through and keep growing that wealth when you’ve got the structure down.

So thanks again for stopping by and passing on your story. It all adds to a powerful financial discussion!


35 John March 6, 2015 at 4:49 pm

Man after a shortened february which we also vacationed in los angeles for 8 days (this was planned BEFORE i began my super tracking net worth turn-around) i still managed to up my net worth by 1100. just by making extra car payments (one of the two is almost done thank god), not charging stuff, and trading my keurig cups for a re-usable keurig cup i made a splash and a half.

oh, and side hustling of course. besides amazon fba ive now launched two affiliate sites since jan 1st, am currently working on two more, and a few other projects. all internet based for the most part, and all super exciting and foreign to me a few short months ago.

finally, for my last update, i heard a podcast you were on from jeff and mandy rose from a few years ago. i am really excited and grateful i am now entering this world. i hope you get used to me, i have a feeling im going to start turning up more and more.


36 J. Money March 6, 2015 at 10:09 pm

Hah – no problem with that man, always nice to be surrounded by cool like-minded people :) Stop by anytime (and glad you liked the podcast! Those two are beasts!)


37 Justin @ Root of Good March 4, 2015 at 10:51 pm

I’m digging the “Net worth over time” aspect of this page. I need to copy this for my own blog since right now the ambitious and curious reader has to track down my last 18 months of financial updates to see how my net worth changes each month.


38 J. Money March 5, 2015 at 10:20 pm

Yeah, helpful to readers but even more so yourself. Pretty cool to have a nice tidy record of all your hustling over the years + pretty graph to look at :)


39 Nicole March 9, 2015 at 1:38 pm

Anyone have any idea idea about counting a pension in your net worth? A friend financial planner said I could def count it. It’s worth about 1.32 million if I live until 80 (and to get the benefit I have to work for 22 more years for the system–which I plan to do). Thoughts? Suggestions? I need some help from all you sexy budgeters! Thank$$!


40 J. Money March 10, 2015 at 5:13 pm

Well, the nice thing about net worths is that it’s totally up to you how you’d like to use/track them :) A pension to me seems more like an *income stream* than an asset – similar to Social Security and other “guaranteed” money later (hah!) – so I’m not sure I would include it personally, but if it makes sense to you to then by all means run with it. This is why I don’t include any paychecks or other streams too. That money can be used for savings and investments and debt payoffs which in turn go into the net worth calculations, but until that point it’s just income.

[A place where I *would* include it in, however, is in retirement planning calculations. Since that's all about income and expenses. If you check out our Financial Freedom article I posted last week, you can find a spreadsheet there from one of my friends who included an area for pensions and the like. This will help gauge how much you need to live down the road - or at least a good estimate since we'll never really know for sure until we're there :)]


41 Nicole March 11, 2015 at 8:51 pm

I get it, we’re calculating net worth right now. 401, 403, those have cash value w a penalty where the pension isn’t worth anything until I actually retire. I’ll check out the spreadsheet. Thx, J


42 Jeff March 15, 2015 at 5:16 am

J$, was just browsing through my Canada Revenue website and found a link to a bunch of my tax assessments, made me think back to your post in January 2014 about your LWR. Would you be interested in throwing that in to some future net worth updates? I think its a really good number to let you know how you have done lifetime, rather then just recently. I got a BIG surprise on mine and not a good one, i am sure that yours must have gone up since you calculated it last.


43 J. Money March 15, 2015 at 3:25 pm

Interesting…. Not a bad idea at all actually. I’ll make a note for the next one and see I can do that for you :)

Here’s the post btw for anyone else reading this right now – it’s the “Lifetime Wealth Ratio” I made up that compares your total lifetime earnings vs what you’ve saved/invested over the years.


44 S March 26, 2015 at 5:09 pm

Iam new to the whole world of saving/ investing…financial illiterate making up for all the time I have spent living under the rock!:( am so glad to have come across this site…I can understand what is being discussed…love the laid back style of information output…andd…am inspired( never thought would say that about a finance site!)….thank you for being you! :)


45 J. Money March 27, 2015 at 12:03 pm

HAH! Well welcome to our world of awesomeness here :) It gets better as your money starts getting better too! (Which is my job to help with)


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