Two years + 10 months.
How long before next order of magnitude?
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Depends on how long until the next inevitable crash.
Hello!
I am 22yo and started my first Full-Time job in August 2023.
Soon after I discovered FIRE and the rest is History (to be made)!
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You saved 50k in a year with ~70k salary? Thats agressive 
Must be super low fixed costs 
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VT doing 16+% probably helped a bit 
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Both you and @dbu are correct 
I still live at home so no rent (thanks FIRE-Supportive Mom).
61’200 CHF were in total invested into VT ETF, now worth CHF 69’500.
Both USD and VT moved in my favour., but I am mentally preparing for USD/CHF to dip down up to 8% in the coming months.
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Update:
This week I reached USD 100’000 in my one and only position in VT, with USD 90’500 cost basis 
!
Other fun fact:
My average USD/CHF is really good apparently thanks to my Tariff FX-Timing.
In total I transferred 75’200 CHF for my 90’500 USD, which is an average conversion rate of USD/CHF 0.831!!
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Congratz! It goes crazy from there with “one weird trick hedge funds don’t want you to know”.
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Congrats, this is a great achievement - particularely for your age. Very well done.
Justvone piece of advise. Never ever have a look at prior transactions nor prior buy/sell prices. The only thingvthat matters is what you own today (no matter where it came from), whether you saw it as a feasible going forward Investment, and whether it was in line with your (current) risk need, capacity and capability.
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Just hit 80k !
I’ve got 3 months left to reach 100k by the time I’m 21. I’m counting on the market to help me reach this target, my salary won’t be enough ahaha
A little information: Vehicles are depreciated over 3 years. My car, for example, is currently valued at half of what I can sell it for today.
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Kudos for the planning so young! 
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My mind is blown by posts like this. At 21, I was still studying and getting deeper into debt. I had no idea what I was doing that week let alone planning for my financial future!
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My NW at 21 was negative
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Probably negative on a dollar (CHF) balance sheet, but hugely positive when taking into account human capital at that point in life.
It’s one of those graphs that looks like an X when drawing the dollar capital net worth versus the human capital net worth.
Anyway, great job for achieving this at 21. I assume you had some tail wind of lucky smart investments?
Going from 20k (?) in October 22 to 80k in July 25 is very impressive!
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August 2020: I started keeping track of my finances at the start of my banking apprenticeship (NW 2’500 earned by working Saturdays on the farm).
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October 2021: I started investing in bank investment funds at the age of 17 (NW 10,200).
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October 2022: NW 17,000
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August 2022 to July 2023: I had an unpaid break during the 2022-2023 school year because I spent a year abroad learning languages and working in real estate.
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August 2024: I received the maximum bonus for my grades for my training and started working 100% in banking (NW 44,000).
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January 2025: I left for the army and I’m still there. This is an opportunity to save a lot (NW 63’000)
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August 2025: NW 80,000
The increase comes mainly from my savings, some from investments (mainly VT and 2 good decisions at the time to overweight the USA and then Europe, and also leveraged investments, which brought in a few pennies).
Thank you for your congratulations, I’m very happy with the progress I’ve already made. I’m passionate about finance, so it’s all very straightforward.
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The next step is real estate investment. I’m very interested in that, so I’m still putting some money aside and I’ll see what I can do with it 
on the other hand with ongoing education human capital might still be going up at that time? (how do you even count this?)
I’m impressed by the mid-2022 to mid-2024, 1 year abroad and 1 year working (but still in training) and net worth increased by 27k. Were you supported in other ways, like living by relatives or is it with full rent/food/Krankenkasse/etc costs?
During my year abroad, I had a study grant which paid for the language school on site, work placements and accommodation. My parents supported me for some of the food, and I paid what was left over for food and all the leisure activities/outings on the side.
I’m still living with my parents at the moment. So since the start of my training I’ve been able to enjoy low expenses and now that I’ve got a job, I’m paying my parents rent, which is a pittance compared with real rent
When I turned 18 at the end of 2022, I received some money from my parents, which contributed to part of the increase (just under CHF 6,000).
On top of that, the financial markets were favourable that year.
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