We’re still celebrating having reached a net worth of $0 at the end of last year. We hit our 2016 goal it at the eleventh hour. Now Q1 brings even better news with our Net Worth reaching $30K.

Net Worth Q1 2017

Net Worth Q1 2017 Excel

We invested $248/day this quarter compared with investing $80/day for all of last year.

Our total assets peaked above $150K for the first time. That’s crazy to think about since at age 28, this may equal well over $1MM by 65.

We don’t expect investing in Q2 to triple again since that would mean investing $67,000. We’re actually expecting Q2’s number to be significantly lower.

The large bump in Q1 was driven by a rise in the US Market leading to an additional unrealized gain of ~$4K and the second was a bonus.

Our savings rate was just above 50% which is crazy considering we were stressed about money only a few years ago.

When comparing our market gain to our interest expense of $1,531, I am glad we are investing our money. We’ve accelerated our student loan payments, but only after having maxed out our tax advantaged investing accounts.

The shift to investing our money early in our lives helped us net an additional $2,652 this quarter, or ~$30 per day.

Naturally, that amount will fluctuate as the market swings up and down, so we prefer to track our savings rate, which is in our control.

Our expenses were low considering we had a 10 day vacation. We managed to tackle a trip to Hawaii for under $1,800. We’ve also been cooking new dishes and exploring other areas to save.

2016 involved 17 strategies to save over $50K, whereas 2017 is focusing on 3 to save $80K. I’ll elaborate more on future net worth reports and I’ll stay transparent on if we’re hitting our marks.

A theme in each year has remained frugality.

As I wrote before, “Frugality is not a sacrifice. Frugality is a means to gain more freedom.”


With a solid pace set by Q1, we’re psyched to see what the rest of the year will bring.

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