About two years ago, I posted this thread -> [https://www.reddit.com/r/ValueInvesting/comments/18r10yl/strong\_finish\_im\_solidly\_a\_12\_millionaire/?utm\_source=share&utm\_medium=web3x&utm\_name=web3xcss&utm\_term=1&utm\_content=share\_button](https://www.reddit.com/r/ValueInvesting/comments/18r10yl/strong_finish_im_solidly_a_12_millionaire/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button)
tl;dr - I ended 2023 with \~$550k in assets (taxable, retirement, and cash)
Now that 2026 is underway, I thought I'd drop an update. As of this last week, I am sitting at \~$850k. Not quite there but assuming the wheels stay on the bus I anticipate hitting seven figures before the end of 2027. Since the question was asked last time, I put in \~$40k between my various accounts over the last two years.
What changed in the past couple of years? I pulled back on active stock evaluations. I don't have time to give it the attention required to do it well so I buy BRK.B and VTV on alternating weeks. I still have individual stocks that I've purchased over the years and I have been rebalancing as needed. I've made some mis-steps but who doesn't?
I increased my regular buys by about 10% over the last couple of years and made some lump sum deposits to supplement a few random dips and rebalance my cash on hand. I still have a healthy cash position but that's more about maintaining my emergency fund and standard of living.
What am I going to do next? More dakka. I've been steadily increasing my inputs and I intend to keep doing that until I find the sweet spot.
I am completely unleveraged. My only debt is my car payment which I intend to finish off in the next six months.
These past couple of years, I (re)learned that it's more important to be in the market than it is to be right about the market. I don't have time to do the necessary evaluations and frankly, I don't want to do that. Some people love it, I don't. And that's ok.
I'm unconcerned about how everyone else is doing it. My plan changed and I'm sticking to it. If my situation changes and I need a new plan, I'll do that. For now, what I'm doing is good enough for me. Does that slow me down? Perhaps. I've never been much on optimizing my portfolio, anyway. If you read this and think you could have done better, please do. I wish nothing but good fortune for you.
Remember, it's ok to just put your money in a market tracking fund. You don't have to be the third coming of Ben Graham. There are no real answers when it comes to investing, even the best investors are just making an educated guess. Get started, stay the course, and don't let the bastards discourage you.