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My Net Worth [Over 6+ Years]

million dollar net worth journey

[Last updated: 10/1/14]

Here’s every single month of tracking my net worth, going back over 4 5 6 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…

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! :)

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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.

{ 23 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.

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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!

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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!

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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 :)

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

THIS!

Love it.

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

YOU!

Love! :)

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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

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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 :)

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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!!!

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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!

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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.

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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!)

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13 Ed July 7, 2014 at 9:06 pm

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

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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? ;)

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15 Josh July 8, 2014 at 7:14 pm

I’ve been using Mint.com 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? :)

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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!

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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.

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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.

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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$

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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 :)

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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.

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

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

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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!

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