Using an alt for privacy. Anyways, as the title says, my spouse (35yo) and I (32yo) just hit the 500k household net worth. To celebrate, I spent some time making a graph with our progress over the last 9 yrs: https://imgur.com/mdvV4rk . In case the labels aren't clear, the annual salary bar is the combined total of take-home salary (after tax), plus pre-tax contributions to retirement accounts by our employers and us. No windfalls, inheritances, etc., just the two of us slowly working on this together. We live in a MCOL area. Our basic portfolio breakdown currently is:

    • Home & property equity: 330k
    • Retirement accounts: 132k
    • Non-retirement investment account: 16k
    • HYSA: 22k

    Starting out we were really just aiming towards financial stability more than financial independence. However, starting from very little necessitated some very frugal spending habits and as we increased our income it didn't seem hard to keep those habits going, and here we are! Plus we've definitely learned a lot more about personal finance and investing over the years.

    Anyways, success looks different for different people, but for us, this was an amazing milestone to hit. Good luck and godspeed to everyone else out there on their own financial journey!

    Journey to $500k Household Net Worth
    byu/Finance-Alt001 infinancialindependence



    Posted by Finance-Alt001

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