My Financial Journey

Well it happened. Two interim reports in the same month. Just 15 days after my nesetegg passed $1.4M it is now north of $1.5M. It is going to get to a point here shortly where it will be hard for me to keep track of $100k milestones as they will happen so quickly and I may have to start doing $250k reports once we hit $2M.

Once again this report was driven by a large run up in my individual stocks namely Tesla, Shopify, and Netflix.

Taxable Account- $110,750.62
Private Stock $72,000
Traditional Rollover IRA – $58,172.38
My Roth IRA – $430,752.57
Wife Roth IRA – $262,244.73
Wife 401k – $4,971.41
Traditional 401k – $576,470.18

Roth/Traditional % = 45.73% (tax free)

Total Retirement Nest Egg $1,515,361.90
Retirement Salary (4%) $60,614

$100,000 NestEgg Milestones

Date	DOW Jones Value	MFJ Nestegg	Time to Achieve
Oct 2008	10,000	$ 69,300	29 years 2 months
Oct 2009	10,000 (+0%)	$100,000 (+44%)	30 years 2 months
Feb 2012	13,000 (+30%)	$200,000 (+100%)	2 years 5 months
Jul 2013	15,423 (+19%)	$300,000 (+50%)	1 years 5 months
Feb 2014	16,395.88 (+6.3%)	$400,000 (+33%)	7 months
April 2015	18,084.48 (+10.30%)	$500,000 (+25%)	1 year 2 months
August 2016	18,636.05 (+3.05%)	$600,000 (+20%)	1 year 4 months
January 2017	20,068.51 (+7.69%)	$700,000 (+17%)	5 months
June 2017	$21,182.53 (+5.56%)	$800,000 (+14%)	5 months
January 2018	$25,484.72(+20.31%)	$900,000 (+12.5%)	7 months
May 2018	$24,667.78(-3.21%)	$1,000,000 (+11.1%)	4 months
April 2019	$26,234.34 (+2.94%)	$1,100,000 (+10.0%)	11 months
December 2019	$28,331.20 (+7.99%)	$1,200,000 (+9.1%)	8 months
January 2020	$28,885.42(+1.96%)	$1,300,000 (+8.3%)	0 months 28 days
February 2020	$28,399.81(-1.68%)	$1,400,000 (+7.7%)	0 months 21 days
February 2020	$29,308.80(+3.20%)	$1,500,000 (+7.14%)	0 months 15 days

Well still not in the same month, but just 21 days after my last 100k milestone report our nestegg cracked through the 1.4M milestone. In fact my nestegg grew by over $61,000 since yesterday’s month end report.

The market was actually down over both my last two milestone reports, but my nestegg has now put on over $200,000 in less than 2 months while the market is down about 5% during that period. This is due to my individual stocks having a very good performance driven primarily by Tesla. In fact as I write this report in pre-market trading Tesla is on pace to add another $40,000 to my nestegg alone today.

Obviously in the short term this means nothing and my portfolio can and will fluctuate up and down, but over the long term I feel pretty good. Hope to be writing the $1.5M milestone report in a few weeks.

Taxable Account- $97,983.80
Private Stock $72,000
Traditional Rollover IRA – $53,575.26
My Roth IRA – $383,946.99
Wife Roth IRA – $236,151.33
Wife 401k – $4,788.08
Traditional 401k – $555,758.52

Roth/Traditional % = 44.16% (tax free)

Total Retirement Nest Egg $1,404,203.98
Retirement Salary (4%) $56,168

$100,000 NestEgg Milestones

Date	DOW Jones Value	MFJ Nestegg	Time to Achieve
Oct 2008	10,000	$ 69,300	29 years 2 months
Oct 2009	10,000 (+0%)	$100,000 (+44%)	30 years 2 months
Feb 2012	13,000 (+30%)	$200,000 (+100%)	2 years 5 months
Jul 2013	15,423 (+19%)	$300,000 (+50%)	1 years 5 months
Feb 2014	16,395.88 (+6.3%)	$400,000 (+33%)	7 months
April 2015	18,084.48 (+10.30%)	$500,000 (+25%)	1 year 2 months
August 2016	18,636.05 (+3.05%)	$600,000 (+20%)	1 year 4 months
January 2017	20,068.51 (+7.69%)	$700,000 (+17%)	5 months
June 2017	$21,182.53 (+5.56%)	$800,000 (+14%)	5 months
January 2018	$25,484.72(+20.31%)	$900,000 (+12.5%)	7 months
May 2018	$24,667.78(-3.21%)	$1,000,000 (+11.1%)	4 months
April 2019	$26,234.34 (+2.94%)	$1,100,000 (+10.0%)	11 months
December 2019	$28,331.20 (+7.99%)	$1,200,000 (+9.1%)	8 months
January 2020	$28,885.42(+1.96%)	$1,300,000 (+8.3%)	0 months 28 days
February 2020	$28,399.81(-1.68%)	$1,400,000 (+7.7%)	0 months 21 days

Well a flat and slightly down month for the market to kick of 2020 and my retirement nestegg had its best performance in history. It increased by over $105,000 and my investments crushed the market. Most of this can be explained away by the performance of Tesla stock over the last month, but a number of my other individual stocks have also had very nice performance. This has me starting out 2020 besting the market with over a 17% lead. Now granted as we have seen Tesla has and will continue to be a volatile stock so I won’t put to much weight in a single months performance but overall investments like Tesla over the long term have allowed me to have market beating returns over in my investing history. It’s also cool to have a month where my nestegg increased by a value that was greater than I was able to accumulate the first 30 years of my life.

Taxable Account- $87,844.73(+25.37%)
Private Stock $72,000 (+0.00%)
Traditional Rollover IRA – $52,172.96(+18.61%)
My Roth IRA – $361,613.94(+17.66%)
Wife Roth IRA – $224,703.41(+15.10%)
Wife 401k – $4,753.63(-0.07%)
Traditional 401k – $550,737.69(-0.75%)

Roth/Traditional % = 43.31% (tax free)

Total Retirement Nest Egg $1,353,826.36(+8.46%)$
Retirement Salary (4%) $54,153

Monthly Contributions $903.32(401k)
SP500 Performance -0.16%
My Monthly Investment Performance +8.38% (+8.54% vs SP500)
My Monthly Individual Stocks Performance +17.79% (+17.95% vs SP500)