Net Worth: $500,220

Account 2014 2015 Change
Cash $52,197 $10,082 $42,115
Investment $258,266 $664,979 $406,713
Debt $0 ($174,841) $174,841
Total $310,464 $500,220 $189,756

The increase was $65,570 more than forecast. This was primarily driven by the day-trading profits.

Income Statement: $233,346

Income 2015 Forecast 2015 Actual 2016 Forecast
Salary $175,000 $185,723 $205,000
Investment $30,000 $47,623 $70,000
Total Income $205,000 $233,346 $275,000
Expenses
Rent $28,188 $13,500 $27,000
Food + Gas + Utilities $12,000 $13,500 $15,000
Miscellaneous Expenses $12,000 $12,000 $12,000
Total Expenses $52,188 $39,000 $54,000

Salary was $10,723 more and investment income was $17,623 more than forecast. I moved a majority investment from Lending Club to DLIF this year. I overestimated performance of the P2P Loans. The difference between the estimated return and actual return was more than 5 percent. Lending Club is generally a low-risk, medium-return, high-maintenance, and highly-tax-inefficient. I much prefer the “Set It and Forget It” approach with DLIF.

Net Worth Growth YOY: +$189,756 / +61.12%

Year Age Net Worth $ Change % Change
2010 31 $30,504 $12,982 74.10%
2011 32 $75,188 $44,684 146.49%
2012 33 $104,839 $29,651 39.44%
2013 34 $186,722 $81,884 78.10%
2014 35 $310,464 $123,741 66.27%
2015 36 $500,220 $189,756 61.12%
2016 37 $592,391
2017 38 $794,666
2018 39 $1,006,848
2019 40 $1,245,418
2020 41 $1,508,666

My net worth is up $189,756 in 2015, a 61.12% increase over 2014. This is the best annual growth since 2005. Based on my current net worth and a rate of growth, I should reach a $1 million net worth by 2018.