Ahahaha i hope it turns this way 
Honestly i feel like I would suffer and regret more from not trying than from failing 
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Hi all,
Here is my net worth progression by end of 2024:
Nothing special to mention for 2024 I guess, just the monthly investing in VT & paying into 3a. Next milestone is 500k with the goal to reach it by end of next year. Wish you all a good start for 2025!
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How it should be. Though unless you are incredibly lucky and talented, it normally takes a few attempts as you learn from each failure before you finally succeed.
Congrats. The ETFs doing some heavy lifting there!
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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 