I’ve been tracking my finances since 2003! At the time, my net worth was close to negative $21k (over $10k credit cards and $20k in car loans, though I sold a car to a friend, acted as a bank, and was owed ~$8k.) 2004 was actually a bit worse as I rang up more credit card debt approaching $15k, but then I started to turn things around.
Sometime in 2006, I broke $0 and my net worth increased every year since then, except 2011… during a relationship based largely on image and status, and during which at one point I owned two Acura sedans…
In 2014, I finally met the right woman, and in 2015 we married, so that’s where my chart begins! I have long considered myself extremely fortunate. While growing up in a (low0 single income large family, I found a computer in a pile of trash, and got to try my hand at BASIC in a special program in elementary school. While I dropped out of college (with less than $9k debt), I kept learning how to code, and ended up doing well with web development. My wife is naturally frugal and helps keep my spending in check, though I still sometimes take advantage of my luck to make life more cushy.
I bought my first house in 2007, and sold it last year, which helped pad the taxable investment account. Before that, I had similar concerns that we would only have pre-tax money, but now that concern is largely behind us!
So here’s my graph!
It’s been a steady climb, though as more makes it into investments, you can see the impact the market indices have on our net worth. The first obvious dip was from how 2018 ended, and the next big dip was in March 2020. (Just before that is the net gain from selling that house, which I had recorded as only being worth its 2007 appraisal…)