Net Worth Comparison
By Age
$25,955
$10,975,000
By Occupation
$181,500
$10,975,000
By Education
$19,065
$9,018,854
By Salary
$158,500
$4,158,950

FatStacks' Profile

Currency
United States Dollar - USD
Date Joined
11/30/2013
Salary Range
150,000 - 199,999
Occupation
Computer Programming
Age Range
40-44
About Me
Married with one child.

AGI 2009: $128,397
AGI 2010: $79,488
AGI 2011: $88,582
AGI 2012: $96,406
AGI 2013: $103,220
AGI 2014: $99,487
AGI 2015: $104,173
AGI 2016: $111,669
AGI 2017: $120,403
AGI 2018: $112,235
AGI 2019: $103,381
AGI 2020: $120,725
AGI 2021: $140,854
AGI 2022: $194,320 job change + side work

Time to next $100k (for my own enjoyment; not a relevant stat for anyone else):
0k-100k: 45 months
100k-200k: 61 months
200k-300k: 20 months
300k-400k: 6 months 😮
400k-500k: 6 months 😮
500k-600k: 18+ months and still counting...

I track our “Personal Savings Rate" (PSR) every year, starting in 2010, on the December entries using method #3 from here: https://www.choosefi.com/how-to-calculate-your-savings-rate/
2010: 23.77%
2011: 18.86%
2012: 5.62%
2013: 5.41%
2014: 4.43%
2015: 2.33%
2016: 5.67%
2017: 5.79%
2018: 7.68%
2019: 18.57%
2020: 19.84%
2021: 16.24%
2022: 19.75%
I never included HSA contributions into these PSR calculations, although I might go back retroactively and do this. It probably won't affect the percentages all that much.
Why I Joined
I use this site as a data point in our overall retirement plan. It's encouraging to see what others have built by my age. It makes me want to try harder.
Best Financial Decision
Locking in student loans and mortgages at historically low rates (this was more “luck” and less “decision”)
Maxing out my 401k (although I just started in 2020)
Starting a 529 for our child at birth
Worst Financial Decision
#1 (ab)using credit cards.
#2 contributing small percentages to 401k/taking loans from 401k to pay down credit cards.
Current Investing Strategy
2022: Max out HSA + spouse/my 401k. We did it! (mostly. We maxed as much as we could while eligible)
2023: Max out HSA + two Roth IRAs + pay down HELOC since the interest rate crept up so much. We're also heavily lopsided with pre-tax accounts so that's playing into our decision for the year.
How do you manage your finances?
401k on autopilot (index funds).
What tools do you use?
Budget and long-term planning in Excel.
I was a Quicken user for years but jumped ship to YNAB in '19 or '20
I need financial help with...
Boosting income.
Favorite Books
Stop Acting Rich.
Delivering Happiness.
Harry Potter series.
Favorite Movies
Top Gun: Maverick. American Made, Jumanji (2017), The Martian. Most Don Simpson/Jerry Bruckheimer movies. Mission Impossible series. Die Hard series. My list changes with mood/time.
Last Login
3/29/2023
Net Worth Entries
All values shown in USD ($)
2023 - March $750,398 $212,395 $538,003
2023 - February $757,921 $198,913 $559,008
2023 - January $764,757 $200,843 $563,914
2022 - December $725,170 $205,450 $519,720
2022 - November $743,718 $207,030 $536,688
2022 - October $727,934 $219,257 $508,677
2022 - September $697,385 $220,953 $476,432
2022 - August $727,917 $220,461 $507,456
2022 - July $738,049 $219,140 $518,909
2022 - June $702,553 $216,419 $486,134
2022 - May $746,451 $219,277 $527,174
2022 - April $711,459 $221,328 $490,131
2022 - March $745,567 $219,422 $526,145
2022 - February $725,263 $233,098 $492,165
2022 - January $716,988 $230,105 $486,883
2021 - December $755,097 $227,560 $527,537
2021 - November $741,674 $225,950 $515,724
2021 - October $754,370 $227,460 $526,910
2021 - September $642,367 $134,302 $508,065
2021 - August $651,713 $135,158 $516,555
2021 - July $641,210 $136,011 $505,199
2021 - June $639,594 $136,865 $502,729
2021 - May $624,399 $137,717 $486,682
2021 - April $611,037 $138,446 $472,591
2021 - March $586,954 $133,676 $453,278
2021 - February $570,217 $139,396 $430,821
2021 - January $556,648 $140,823 $415,825
2020 - December $553,780 $142,245 $411,535
2020 - November $516,141 $143,665 $372,476
2020 - October $479,000 $145,079 $333,921
2020 - September $479,056 $146,632 $332,424
2020 - August $484,380 $147,945 $336,435
2020 - July $467,642 $149,323 $318,319
2020 - June $455,071 $150,718 $304,353
2020 - May $436,607 $152,095 $284,512
2020 - April $419,594 $153,485 $266,109
2020 - March $391,214 $154,295 $236,919
2020 - February $436,515 $155,056 $281,459
2020 - January $455,109 $160,120 $294,989
2019 - December $454,522 $161,959 $292,563
2019 - November $442,099 $163,254 $278,845
2019 - October $438,156 $166,204 $271,952
2019 - September $429,429 $165,274 $264,155
2019 - August $418,737 $166,550 $252,187
2019 - July $424,565 $168,662 $255,903
2019 - June $421,198 $168,700 $252,498
2019 - May $414,623 $169,841 $244,782
2019 - April $422,879 $181,214 $241,665
2019 - March $518,948 $295,254 $223,694
2019 - February $516,806 $297,648 $219,158
2019 - January $508,335 $299,135 $209,200
2018 - December $490,862 $300,721 $190,141
2018 - November $513,628 $301,933 $211,695
2018 - October $503,333 $303,326 $200,007
2018 - September $501,808 $304,384 $197,424
2018 - August $505,041 $306,468 $198,573
2018 - July $503,190 $307,044 $196,146
2018 - June $498,028 $307,692 $190,336
2018 - May $505,282 $308,107 $197,175
2018 - April $501,961 $307,012 $194,949
2018 - March $494,866 $309,148 $185,718
2018 - February $502,130 $310,607 $191,523
2018 - January $507,578 $311,134 $196,444
2017 - December $501,126 $312,877 $188,249
2017 - November $498,665 $309,482 $189,183
2017 - October $497,468 $310,243 $187,225
2017 - September $482,919 $310,413 $172,506
2017 - August $485,291 $312,827 $172,464
2017 - July $475,781 $312,873 $162,908
2017 - June $473,114 $316,710 $156,404
2017 - May $466,624 $316,724 $149,900
2017 - April $462,522 $319,919 $142,603
2017 - March $455,746 $323,489 $132,257
2017 - February $455,176 $323,747 $131,429
2017 - January $449,701 $325,111 $124,590
2016 - December $455,130 $334,984 $120,146
2016 - November $458,734 $338,197 $120,537
2016 - October $457,029 $337,075 $119,954
2016 - September $461,975 $337,091 $124,884
2016 - August $463,039 $338,368 $124,671
2016 - July $463,988 $338,473 $125,515
2016 - June $455,114 $337,830 $117,284
2016 - May $454,778 $339,023 $115,755
2016 - April $453,150 $338,873 $114,277
2016 - March $455,707 $340,776 $114,931
2016 - February $439,295 $341,066 $98,229
2016 - January $434,302 $342,181 $92,121
2015 - December $449,757 $341,663 $108,094
2015 - November $463,111 $343,419 $119,692
2015 - October $449,078 $335,081 $113,997
2015 - September $445,633 $335,660 $109,973
2015 - August $446,054 $327,609 $118,445
2015 - July $453,213 $318,953 $134,260
2015 - June $454,877 $320,423 $134,454
2015 - May $458,172 $321,948 $136,224
2015 - April $454,126 $323,053 $131,073
2015 - March $449,967 $324,060 $125,907
2015 - February $446,250 $326,240 $120,010
2015 - January $443,649 $329,305 $114,344
2014 - December $438,072 $329,663 $108,409
2014 - November $449,903 $331,352 $118,551
2014 - October $447,633 $329,564 $118,069
2014 - September $445,881 $331,121 $114,760
2014 - August $450,525 $332,741 $117,784
2014 - July $448,212 $333,755 $114,457
2014 - June $451,162 $334,062 $117,100
2014 - May $434,348 $317,809 $116,539
2014 - April $433,009 $320,244 $112,765
2014 - March $430,110 $324,130 $105,980
2014 - February $429,912 $325,541 $104,371
2014 - January $425,073 $325,136 $99,937
2013 - December $430,134 $331,651 $98,483
2013 - November $436,707 $329,338 $107,369
2013 - October $434,978 $328,843 $106,135
2013 - September $431,432 $330,280 $101,152
2013 - August $428,214 $335,479 $92,735
2013 - July $425,046 $335,474 $89,572
2013 - June $419,239 $334,219 $85,020
2013 - May $422,124 $334,726 $87,398
2013 - April $425,066 $335,864 $89,202
2013 - March $419,644 $333,616 $86,028
2013 - February $395,092 $322,627 $72,465
2013 - January $394,348 $322,344 $72,004
2012 - December $386,965 $323,483 $63,482
2012 - November $389,051 $324,797 $64,254
2012 - October $406,571 $325,802 $80,769
2012 - September $404,516 $327,425 $77,091
2012 - August $402,205 $328,130 $74,075
2012 - July $400,861 $329,875 $70,986
2012 - June $398,616 $331,112 $67,504
2012 - May $393,818 $329,969 $63,849
2012 - April $395,029 $329,026 $66,003
2012 - March $393,215 $331,843 $61,372
2012 - February $240,633 $175,909 $64,724
2012 - January $230,340 $176,720 $53,620
2011 - December $216,426 $178,062 $38,364
2010 - December $219,001 $187,458 $31,543
2009 - December $196,123 $196,119 $4
2008 - December $177,706 $213,363 ($35,657)
2007 - December $183,369 $228,893 ($45,524)
2006 - December $190,890 $243,749 ($52,859)
2005 - December $182,400 $238,211 ($55,811)
2004 - December $180,400 $235,503 ($55,103)