thank you!! this feels like a real milestone and like we’re in FIRE might actually happen territory which is honestly such an odd feeling.
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Congratulations!! And in such a relatively short period of time is so impressive!
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Thank you!!! I’m here sooner than I should have been because of an inheritance (the big bump in 2024), but I’m genuinely super proud of myself for setting myself up those first few years out of uni when I was living on £1000 a month, that’s put the foundation down and I’m very thankful to past me for it.
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Well done, beep!!
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Well, time to update this at the end of 2025!
I did find a new gig, started in February. Then, I got promoted in October, now making more than I would have had I still had Old Job!
Wife’s new (this year) job going well. We’re making more than ever, and saving fairly solidly. Paid down some debt this year, but also added some debt buying a car. But was nice to pay a good chunk down on our HELOC, saved almost all of my severance, and on track to finally pay off my wife’s student loan sometime in 2026.
Again, red is our retirement savings, blue is NW including our house. A solid $140k increase in our savings, and conservative $150K increase in net worth. If the stock market holds up OK in 2026, we may see the double commas! If not, oh well, I can’t control the market. 
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in 2025 our withdrawal rate was 4.4%. We did not cross the next line. I’ll be taking out some money next week, so that will also impact our odds of doing so in 2026.
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My net worth rose by 3x my income, although I had the lowest savings rate since I started tracking in 2016. Thank you, irrational markets.
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Yay, graph time! TWO lines crossed in the bonkers year that was 2025. Net worth since retirement:
(as always, the y-axis does not start at zero, but at almost-FI)
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That statement isn’t far off from my situation… my savings rate was almost nothing if we only look at working income 
But net worth still went up over 2x our household annual income (excluding dividends / investment gains.)
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it doesn’t count because it’s an interim number pull, not spreadsheet day, but this week we crossed where the line would have been, but of course the graph adjusted where the lines are, so we didn’t cross one after all. I guess it is waiting for us to have two data points there
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We officially have over $1,000,000 of assets.
That will go down when I pay my $10k credit card bill (arborists are expensive) later this month but what a time to be alive 
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Literally doubled in 2.5 years.
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While I’m looking at YNAB feeling weird about wealth, the number I’m really proud of:
Since we combined finances in January 2020 Mr Darling and I have given away $181k
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That is an incredibly impressive number!
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