Register for a free 1 hour beginner crash course!


Thursday July 8th, 5PM PT

We'll be giving away free copies of our signature investing course!

(427 reviews)
July Webinar How to invest in index funds

Here’s how my net worth has changed in the last 20 years

I’m the kind of nerd that keeps spreadsheets of things like this, so here’s a look at my net worth dating back to my junior year of college (I graduated in 2002 at age 21). ‎

Obviously, the big jump happened the day I sold my internet company, which I started in college, for a bit over $5M. My share after taxes was about $2M which is what you see here. That jump MIGHT be a bit misleading because I am assigning a value of zero to my company until the day I sold it. But, from my perspective, until that wire cleared I had no reason to believe anyone would ever give me a penny for it!‎

There are some other nuggets hidden in this chart. For example, even if the company never sold I was on pace to be a millionaire before retirement on a $36K salary (the most I ever took home from my company). I had a net worth of over $110K at 34 and was maxing out my Roth IRA every year. Assuming just a 7% return, that would have made me a millionaire by age 58. (The market has gone up about 10% per year on average, but I usually use 7% for forward looking projections to account for inflation).‎

I’ve also made about as much since I sold my company (~$2M) as I did from the company itself! How does that happen? Well, in broad strokes, given a 10% rate of return money doubles about every seven years. If you dropped $2M in the S&P 500 in April of 2015 (when I sold my company), today it would be worth over $4.3M! That’s not EXACTLY what I did (although, in hindsight I would have been slightly better off) but that’s the gist. I also invested internationally, in the stock of the company that purchased my company, and in some real estate deals. All productive assets that go up in value. I buy and hold. My biggest investing regrets have been the few times I have sold.‎

As always, reminding you to build wealth by following the two PFC rules: 1.) Live below your means and 2.) Invest early and often.‎


via Instagram


How to invest course



Jeremy Circle

Hi, I’m Jeremy! I retired at 36 and currently have a net worth of over $4 million. 

Personal Finance Club is here to give simple, unbiased information on how to win with money and become a multi-millionaire!


Whether you buy or rent

Should I buy or rent?

Whenever I point out the costs associated with homeownership the pitchforks come out and some commenters accuse me of being wrong that renting is always better. But I didn’t say renting is always better! My point is that rent OR

Read more →