So 2023 was an excellent year for us financially.  Our retirement accounts are down 3% from peak 1/3/2022.  Mostly I lost a bunch in my Roth IRA but we are nearly at the same amount.  Our retirement accounts went up 31.6%.

Our taxable went up 92.8%.  Our NW went up 49.9%.  We had a good year in the market.  We saved a lot. 

I mentioned in forum spending $15k deciding.  What ended up happening was DH got an unexpected bonus at work on December 15th and we saved the bulk of it.  It contributed to our savings.  But even without it, I'm looking at 12/1 net worth since I track monthly where we were at.

Retirement up 23.6%

Taxable up 9.1%

Debt down 2.2%

NW up 23.2%

December was a good month stock wise our retirement went up around 8%.  Then added in our unexpected savings and that jumped our net worth 25% for the month.

Also due to stock gains our 12/1/23 NW surpassed 1/1/2022 by 8%  So even without the bonus we are back to peak.