Mid-year snapshot: we’re +85K YTD, despite spending two months on unpaid leave traveling across Asia and my girlfriend choosing a lower-paying job.
Kind of crazy to think.
We definitely had some luck along the way (markets in the last years..), but it’s been a nice reminder that building a financial buffer gives you the freedom to make decisions based on life rather than maximizing income.
Wrong thread?
Sorry for that, it was as answer as direct question about it.
No need to apologise. Those net worth progressions have more meaning if the salary is mentioned.
Now at 113k hehe. In 4 months I’m 22yo.
I currently have 100k invested in equity!
Started to invest in 2019.
Today, I finally reached 100k in money invested. 
I know that I’m probably not the fastest and could save more, but enjoying life is more important to me than saving.
Didn’t have anybody to celebrate with so I came here.
32 y.o., single, work in tech. Second pillar not included, and I don’t have a third pillar.
The last couple of years have not been great. I lost focus on FIRE and spent liberally on stuff that didn’t make me happy, which you can see reflected in my saving rate. I also let my health slip. On top of that, in 2025 I tried to time the market due to fear (I know, I know, I’m plenty angry at myself for it) and basically wiped out all gains from a pretty good year for VT. Around the beginning of the year I sat down to look at my numbers and regained some focus, and I’m glad to say that this year is going fairly well: I’ve been cutting down on unnecessary expenses and I’m on track to reach a ~40% saving rate; additionally I’ve started to work on my health, career, and hobbies. I still need to find the energy to gather all the crap I bought and don’t use, and attempt to sell it on the second-hand market, especially a motorcycle I no longer have a license for and which has been sitting around for years, costing me money.
I’m mainly writing in the hope that this will be an accountability tool that helps me stay the course. I’ll probably only do one or two updates a year.
Sounds like you have your priorities in order. Being kind to ourselves without falling into complacency is hard. Do give yourself some leeway, focus on what really makes a difference and have as much fun as can be.
Congrats on your savings, BTW, it seems you’re back to doing great!
13 posts were merged into an existing topic: To 3rd pillar or not to 3rd pillar
Update:
This week i reached USD 200’000 in VT-only
Took me ~13 months to double it from 100k in 06.2025.
My net worth grew so fast in 2025 that the tax office sent a Vermögensvergleich letter, just to check if I am secretly a cartel boss.
I guess you can call it a badge of mustachian honor 
My wife and me did our net worth tracking in August and I can hapily announce that we became USD Millionaires!
Our NW is about 827.5K CHF - the invested capital is much higher due to margin and mortgage - I sincerely hope that a good decade might pull us over our FIRE number, but that’d be very optimistic.
I would have never thought that as a son of immigrants with 0 social infrastructure here, that I could become this succesfull. Next stop - 1M€ and then soon 1M CHF!
A very special thanks to this Forum as well, wouldn’t be where I am without all the advice here.
It’s over 100M in Serbian Dinar and over 1T in Iranian Rial. I hope you track those currencies too.
Ruthless haha. I must say the USD is still the worlds reserve currency, however.
I think there was someone in here wanting to become a millionaire in every currency. Kuwaiti Dinar is the strongest one there is iirc, if we include bitcoin… good luck with that lol.
