<prompt> Human: If you need help, please check the PF Wiki to see if your question might be answered there.This thread is for personal finance discussions, questions, and sharing your success stories:1. Make a top-level comment if you want to share something positive regarding your personal finances! Instead of posting individual threads for positive success stories of how youve funded your emergency fund, made progress on your debt, saved for a future goal, reached a certain net worth, or anything else you would like to share, lets consolidate everyones stories into one weekly thread!2. Please make a top-level comment if you want to ask a question! Also, please dont downvote moronic questions! If you have not received your answer within 24 hours, you can feel free to start a discussionA big thank you to the many PFers who take time to answer other peoples questions!For past threads, please search the Weekly Archive  <response>: Ive been tracking my net worth for 9 years. Heres what Ive learned since my last updateHere is the graph as of today: ...and the spreadsheet: Here are previous links to my 8 year update: ...and my 7 year update: Youll notice I now only show my chart in the current month and then January 1st of each year. This is for simplicitys sake and realizing I need to take a longer look at things, not necessarily focus on the month-to-month details. My computer crashed a few months ago so I had to recreate the spreadsheet from other sources so thats why the format and a few small details may have changed.Since my last update Ive had quite a few big changes. My wife and I had baby number two. This has caused our daycare expense to go from about 700 per month to 1,400 per month. At first I tried to keep everything the same in my financial life but realized we were leaning on credit cards too much. I reduced savings into my online account Ally Bank from about 150week to 90week. I also renegotiated my DirecTV and insurance bills, savings about 500 total between the two. Oddly enough our cars were both involved in accidents. We bought her a new minivan at 0 interest due to baby 2 and me a new small SUV at 2.99 interest. I said I would never buy a new car but I used my settlement check as down payment and was able to get a nicer car than I had with the same payments. Yes, the payments will now take me out another five years, but if something happens we have the cash reserved so I could pay it off if I needed to. I sold a rental property. This particular property was causing me some headaches and I offloaded it at a loss. This is reflected in the net worth reduction a few months back on the chart. I used the capital loss on the house to rebalance my investment portfolio without needing to pay capital gains taxes. It wasnt ideal but its one less stress to worry about. Now I am down to one investment property with a stable tenant. I dont make anything month-to-month but the increased equity does help my net worth grow. The stock market had some huge ups and downs this year so I realized much of my net worth growth in the past few years has been through stocks. Much of that is based on luck and not skill. My advice is to keep investing little by little, every month. My wife got a 6,000 raise at work that was mostly offset by higher health insurance prices. But this, coupled with my insurance changes, is paying for the 2nd kids daycare. Its a net-zero affect, essentially. The most important realization is finances ebb and flow but I only get older. Ive made the decision to spend money on things I want to buy while still being responsible. I dont just need to save, save, save. I work to live, not live to work. My wife and I went on another international vacation. I bought a new X,000 guitar. Were doing more things out of the house with the kids.Thanks for reading, and if this is your first time reading my updates, please take away this one thing: keep saving. I started at 50month. Something is better than nothing. 