$200k Net Worth at 28 with a modest income – Summary

This is a follow-up post to my original post about my journey to $100k at 26 in December 2023. Link: https://www.reddit.com/r/financialindependence/comments/188jgj9/100k_net_worth_at_26_with_only_a_modest_income/

As of November 1, 2025, I hit a NW of $201k at 28. For reference, the first 100k took a little over 3.5 years, while the second 100k took almost exactly 2 years. I still work in the same role as I did in the original post. Still remote.

2024:

I get a raise in April to $72,000. I follow through on my plan to move and do so in June. Rent is cheaper in the new city. I get a second raise in October, bringing me to $75,000. No bonuses received this year.

Income for the year = ~$73k

NW at end of year = ~$157k

2025:

Went on a long European trip that was about $6k. Just moving through life this year. Got a raise in October that bumped me up to $78,000. Company gets acquired by a new one, but my role stays the same. No bonuses this year. Still living in the same city, bills are still low. Only debt still is student loans and car.

Income for the year = ~$76k.

Current NW as of November 2025 = ~$201k.

I currently save about $1k a month.

Summary:

So yeah, that's pretty much it. No major raises or job switches to increase income, but receiving steady raises which is helping. Time in the market is doing its thing. Hope to hit $300k while I'm 30, but who knows with all the bs in the world. Keep on!