I’ve joined the Double-Comma Club!

This post was supposed to be about mushy Thanksgiving stuff and I’ll get to that, but something amazing happened on Wednesday that I must talk about first. I joined the Double-Comma Club:


Let’s go back in time for a moment

Sometime in my early 30s, I had a random thought that I’ve never told anyone. That thought was this:

It would be awesome to be a millionaire at 40.

However, I quickly dismissed it. Everyone in my family struggled with money and a million dollars was a ridiculous thought. Growing up with no money affects you in strange ways. For one, I had no role models. When my mother was about 50, she bragged to me that she and my father had $25,000 saved up for retirement. At that time, I didn’t know much about money, but I did know that $25,000 was not good for someone approaching retirement age. Sigh.

Shortly after my mother’s proclamation, I started saving aggressively. The snowball was small at first. Then, it started to grow. And grow. And grow. Now, here I am at 1 million at 40 years of age, one day shy of 41. That was a close one.

A couple random thoughts

After I realized that I joined the Double-Comma Club, I wandered aimlessly around Chicago for a bit trying to absorb it. This is Union Station.

After I realized that I joined the Double-Comma Club, I wandered aimlessly around Chicago for a bit trying to absorb it. This is Union Station.

First and foremost, this feels pretty awesome. The main point of this blog was to make myself publicly accountable. Luckily, I had the tailwinds of the markets behind me, so I haven’t made much of a fool of myself.

This also feel strange. I feel like a jerk for even saying that, but bear with me. Not wanting to struggle with money has always been my main motivation for saving and investing. I resolved to go to college and became the first in my family to graduate. That was just 15 years ago and I had a $60,000 college debt monkey on my back. Here I sit today at a place that I never thought possible.

My uneasy relationship with money continues to this day. For some people, money is a tool used to buy fancy dinners, cars or vacation homes. For me, the big pile is a source of comfort. I’m a lot better than I used to be, but will always be a bit tweaked.

The Three Factors that got me here

I can’t give you specific information on how to acquire your own million dollar egg. However, I will tell you what I consider to be the three most important factors for me.

Work hard.

I started my first real job in 1999 making $37,100/year. Not exactly a fortune. However, I worked harder than any of my peers, often putting in 80 hour weeks. The right people noticed. One of them quit for a higher paying position and she was happy to recruit me for another position at that company.

Don’t follow the crowds.

I don’t endorse my past habit of stock picking, but there is one thing I did that I wholeheartedly recommend; I never lost my cool. Apple and facebook have tanked severely during the time I have owned them. Instead of hitting the sell button, I did nothing. In the case of facebook, I bought more. I encourage you to apply this same principle to less risky investments like index funds.

Live frugally.

I drooled when the Honda S2000 came out. I also drool over the Acura NSX regularly. Perhaps I’ll have one of those machines someday, but not until I am completely comfortable that I have enough money to never work again.

Where do I go now?

When I started the blog, we were between homes. We weren’t happy in our neighborhood, but also had no idea where we would end up. Therefore, I made my goal $1,000,000, but with the following asterisk:


I do have debt though. We owe about $120,000 on our home. Therefore, to retire today, I’d need about $120,000 more for a total of $1,120,000.

Finally, today is just one very small point in time. The whole 1500 Days thing is also a bit silly since that is also a small amount of time in an economic cycle. Markets will go up and down. Sometimes these movements happen over the course of years. Next year, I may very well make my goal. I could also end 2015 at 900K or less. No one knows for sure. Long term (decades) is really where your mind should be.

Here I go with the mushy Thanksgiving part (gag alert!)

My neighbors and family that I see most regularly are not like me at all. Most are typical consumers who blow every cent that comes in and more. We have acquaintances that are on public aid, but drive a $40,00o car and eat at fancy restaurants. And they think we’re the poor ones, ha!

Not everything comes down to money, but a whole lot does. I find that frugal people have a lot in common. I can invite my frugal friends over for a homemade pizza and they don’t judge. Instead, they offer to bring their own dishes or beer. I can suggest that we all go for a hike or play board games. Frugal people live good lives because they care about the right stuff.

I’m a social weirdo. Meeting new people terrifies me. I don’t get truly comfortable around others until I’ve spent about a year with them. However, the people I’ve met through this blog are different. I can’t say that I’m instantly at ease, but after about 5 minutes of terror which I try very hard to conceal, I’m usually OK. Whether we’ve only communicated over email or you’ve had a chance to come over and chat over pizza and beer in our 75% complete kitchen, I’ve enjoyed it all. Thanks.

Thanksgiving is awesome

Thanksgiving is a great holiday. I love gorging myself. First, I cover my plate with turkey, stuffing and loads of mashed potatoes. Then, I add some more stuffing and mashed potatoes. Finally, I drench the whole mess in gravy and different kinds cranberry sauce. I go back for seconds and thirds. A good beer accompanies the chaos.

However, the really great thing about the holiday is the time we spend with others. A friend who I’ll once again refer to as Denver E drove the point home a couple weeks ago (Denver E, I apologize if I’ve minced your words). He said something like this:

I like Thanksgiving because it’s all about family. No one has to worry about buying stuff for each other. We just get to spend time with those that we care about.

I could not have said it better.

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103 Responses to I’ve joined the Double-Comma Club!

  1. KABAM! Nice work, Mr.1500. That’s an awesome milestone. Also, I’m totally stealing the moniker “double comma club.” I honestly don’t think I’ve ever heard it before.
    Enjoy your million dollar thanksgiving 😉
    Anne @ Money Propeller recently posted…How to lose $2100 on the Internet – Blog Earnings and Stats for October 2014My Profile

    • 1500 says:

      KABAM is right! I still hardly believe it.

      Inside, I still feel like the poor guy that I was for the first 25 years of life. I have to pinch myself.

      Outside, I still look like that poor guy that I was for the first 25 years of life. Mrs. 1500 sent me to Farm and Fleet yesterday to replace my worn out pair of shoes. I couldn’t pull the trigger. Maybe in 2015…

      Happy Thanksgiving to you too fellow airplane loving friend!

  2. Jed says:

    Well done and congrats, 1500’s. It’s been a real treat following along your journey via this blog. I suspect even better moments are still yet to come.

    Happy Thanksgiving.
    Jed recently posted…Trompo MagicMy Profile

    • 1500 says:

      Thanks Jed, really appreciate it!

      I hope you and yours are having some form of a makeshift Thanksgiving feast in Spain.

      I look forward to meeting up again when you return to the States.

  3. michele says:

    Congratulations on the double comma club. It was so similar memory when I said I wanted to hit million my friends laughed. I was annoyed but it still hasn’t stopped me and I’m frugal as well though in last few years you wouldn’t know it but I’m back to old me. I move in L.A. and got caught up a bit. I don’t make a lot but I save hard n invest so I hope to join you. Thanks for the continued motivation. Happy Thanksgiving

    • 1500 says:

      Work hard, never stop believing and you will do it someday too. You’ll be the one laughing in the end.

      Happy Thanksgiving!

  4. Mrs. Bug says:

    Congrats on the huge milestone! What an amazing feeling. Happy Thanksgiving!

  5. Kristy says:

    Congrats on hitting the double comma mark! It takes hard work and determination to stick to your goals! Happy Thanksgiving to you and yours!

    • 1500 says:

      Thanks and much appreciated! Hard work and determination is what it’s all about. Small sacrifices early on turn into huge gains later on. Happy Thanksgiving!

  6. Tawcan says:

    Wow that is an amazing achievement! I hope to get to that point once day… hopefully before I turn 41 too. That’ll give me a few more years to work toward that goal. Double comma club that’s a cool club I hope to join. 😀
    Tawcan recently posted…TFSA to remain the same in 2015 – $5,500My Profile

    • 1500 says:

      Thanks Tawcan! It feels very good to be in this club. Much better than being a member of the Porsche Owners Club or the local yacht club.

  7. Even Steven says:

    I became really excited when I saw the double comma, said to the wife he did how awesome is that! From our family to yours Happy Thanks giving.
    Even Steven recently posted…Saving Money with Republic Wireless-CalculatorMy Profile

    • 1500 says:

      Thanks so much Even Steven! Hearing about what you’ve done with your life so far tells me that you’ll join the club at a younger age than I. I hope you do.

      Happy Thanksgiving!

  8. Wow, congratulations Mr 1500! There’s something about reading this, and seeing you actually achieve this, that really crystalizes this as being a real, doable goal. I feel like I’m still a million miles away from my goal, but I’m excited for the day when I can write a post like this (and hopefully be just as eloquent and entertaining 🙂 ).

    Have a great Thanksgiving, enjoy the family and plenty of food, and look forward to seeing you continue your journey and knock off that $120k of debt!


    Jason@Islands of Investing recently posted…Is a barrier of complexity preventing you from taking your first investing steps?My Profile

    • 1500 says:

      Thanks Jason!

      You will do it and probably write that post sooner than you think.

      I still can’t believe it myself. It is quite strange to go from struggling with money 15 short years ago to sitting on a considerable sum now. I am so thankful. Life is good.

  9. Wow!!! Congrats! What an amazing accomplishment. Well done and happy thanksgiving!
    Dave @ The New York Budget recently posted…Turnkey Real Estate Investing: Hiccups and InspectionMy Profile

  10. Mr. 1500,

    Congrats! That’s a huge accomplishment!

    Hard work, hard work, hard work. A dash of luck. Living below your means. Secret ingredients to building serious wealth, no doubt about it. It’s easy, but not simple.

    I think I’d celebrate with a good pizza or something. 🙂

    Keep up the great work.

    Best regards.
    Dividend Mantra recently posted…Giving Thanks On ThanksgivingMy Profile

    • 1500 says:

      I had a nice, tall good beer and dinner out with a friend at a good burger place. Then, as a result of that tall good beer and a couple others that came after, I took the train home.

      Funny you mention pizza, because we just got back from Chicago (pizza capital of the world) and didn’t have any. Doh!

      See you in Omaha Jason!

  11. Shay says:

    I’ve been following you and your family’s story since the beginning! So excited for you! Now you have to start mentally preparing for the retirement phase! Congratulations!

  12. Mrs. Maroon says:

    Holey jamoley!! What a wonderful Thanksgiving treat. Hearing your success gives me inspiration that our dreams are really possible. Thanks for spreading hope. And congratulations!
    Mrs. Maroon recently posted…Happy Thanksgiving!My Profile

    • 1500 says:

      Holey jamoley! Never heard that one, but it sounds great!

      Thanks for the kind comments and never lost site or hope of your goal!

  13. Zaxon says:

    7 digits dude. Wow.

    Can i ask at what age were you able to seriously start saving? It’s been slightly less than a decade after i graduated school with an engineering degree. After about a decade of stumbling around doing stupid stuff i FINALLY feel like I have my financial house/lifestyle in order and have been plowing money into savings/investments.

    The snow ball is growing fast but i can’t help but have snowball envy 😉

    • 1500 says:

      I’ve been out of school for 15 years, but I had 60K in load debt as well. I started saving immediately though, putting money into the 401k while I paid down debt.

      Flipping houses tax free (see the 2 year rule) played a big part as well. We made 100K off of at least one flip.

      Ha ha, snowball envy! You can look at my snowball anytime. Just don’t touch. 🙂

  14. What a way to top off your 4th decade! When we were in college, Mr PoP dreamed about becoming a millionaire by 30, and we missed that… but hopefully by 35!
    Mrs. Pop @ Planting Our Pennies recently posted…Plans For My Solitary ThanksgivingMy Profile

    • 1500 says:

      Ha yes, the PoPs will definitely roll past me at some point. You are getting larger in my rear view mirror at an alarming rate. I can’t run nearly as fast! 🙂

  15. Congrats guys! When are you planning on negotiating a severance? $120,000 more?

    As a millionaire now, you cool with taking your blogging buddies out for a steak dinner and drinks? I hear that is the ritual!


    Financial Samurai recently posted…How To Not Get Pulled Over For A Traffic Ticket: Race And Sex Matter!My Profile

    • 1500 says:

      Steaks and beer on me!

      Ha, I’m a contractor. No severance for me ever. Not complaining; it’s been a great ride. See you in Minneapolis…

  16. Sue says:

    Awesome! Thank you for sharing your ride. You have inspired me to get set more aggressive goals. I hope to be double comma in non real estate investment within the next two years. So what’s your next goal? Can’t wait to read that post.

    • 1500 says:

      Next goal will be to diversify. I’d like real estate too. I’d also like more invested in peer lending. I’d like to write for a living…

  17. Beth says:

    Congrats! That’s pretty cool.

    One thing I did notice though is that you say “I” rather than “we”. That’s not a criticism – I’m just a word geek and curious about how you position this post. Do you have combined finances or separate finances? (My apologies for being so nosy! I’m trying to figure out what realistic goals are for a singleton like myself.)

    • Mrs. 1500 says:

      Hi Beth.
      Great catch! Mr. 1500 and I share everything, including finances. We have a more traditional (read 1960’s) relationship, where he works and I stay home with the kids. He does the bulk of the investing, (although I do believe I suggested we buy Costco and Chipotle…) and all of the finances, so I am sure he feels that he did it. I sure feel like he was the one doing it. He talks to me about what he is going to buy before he does, but he really is the one making the decisions. I would not have purchased all those shares of Apple on my own, and we would be in a very different facebook position if I was the one pulling the trigger. He is far more aggressive, and that is why we are where we are today.
      Since I am not as involved in it, it isn’t as real to me as it is to him. He sent me a text with a screen capture of our Mint account, but even seeing it doesn’t make it feel real. Still cool, though.
      I think I am going to make him buy a pair of tennis shoes today, his are embarrassingly ratty. I think even Warren would tell him to go buy a pair…

      • Beth says:

        lol. I definitely think he’s earned a new pair of tennis shoes 😉

        Thanks for the reply! I know a lot of couples where one person manages the investments — which is a feat in itself! — but both partners are living frugally and setting goals, etc. (For instance, when my siblings and I were young my dad worked and managed the investments, but my stay at home mom managed a very frugal household).

        Kudos to you both 🙂

    • Chris says:

      Likely should be “we” not “I”. I think many of us married folk who manage the finances are guilty of saying the same thing. I am happily married with combined net worth around $3M and growing fast but I do know that really MY net worth is half of that.

  18. Wayne says:

    Welcome to the club.

  19. Steve@EscapeVelocity2020 says:

    Congrats, it’s an odd feeling when the portfolio takes on a life of it’s own, this has been one heck of a bull run. Any thoughts about playing more ‘defense’ in the future (diversifying into bonds, holding more cash?). Happy Thanksgiving!

    • 1500 says:

      “Playing defense…”

      I think about this every day. Do I invest all future proceeds in bonds to do I stay crazy with an extremely aggressive, tech heavy portfolio. For now, I’m sticking with the latter. I may be a bit nuts, but what is the worst that can happen? I’ll work another year or two. If things go my way though, the portfolio will continue to do well and I’ll be able to do whatever I want with the pile. Hopefully, I’ll be able to either donate it or my time to worthwhile causes…

  20. Debt Hater says:

    That is awesome, congrats on the milestone! It’s great to read a story about how quickly (yes 15 years isn’t *really* that quick but in perspective it seems that way) someone went from having a large amount of student loan debt and now you are millionaires. It inspires me to know that my goals are actually within reach.

    Hope you had a great Thanksgiving!
    Debt Hater recently posted…Student Loan Progress – November 2014My Profile

  21. Lefty says:

    Congratulations! You have achieved your goal (and possibly have addressed some of your fears); no mean feat!

    I look forward to your tales of what comes next!

  22. Nice work on the DC club!
    Hopefully you’ll stay there for a good while 🙂

    I wish we had a thanks giving type holiday in the UK, I guess we have Easter but even that is barstardized with the giving and receiving of chocolate eggs (not that I complained when I was a kid of course!)

    I agree that frugal people tend to be easier to get along with. They are generally more easy going, and as you say less judgemental (well… Maybe a bit when we are mocking those who splash the cash). I guess it just comes down to being easier to hang out with like minded fellows.

    Happy thanks giving!
    theFIREstarter recently posted…My 7 top tips for buying or moving houseMy Profile

    • 1500 says:

      Thanks FIREstarter!

      I suspect that my membership in the DC club will be revoked many times before I join for the long term. That is OK, as long as the long term trajectory is up, up, up.

      I love being around frugal people. If I had it my way, I’d like on Frugal Street and all of you would be my neighbors.

  23. David says:

    Every journey begins with a first step. My first step to retirement and stock investing (and ERE, and mr money mustache, and so on) was finding your blog more than a year ago.
    I googled “retiring in 3000 days” (dunno why) and I found your blog. After few week I started to invest.

    Now I see that a new millionaire has born… what can i say? I’m very happy. I’ll do the same.

    • 1500 says:

      Right on David! Save until it HURTS. Then, save a little more. You’ll thank yourself someday.

      I’m glad you found me and I’m happy that I was one of the first steps in your journey. Best of luck.

  24. Congratulations!!! It’s funny, I don’t even know you and Mrs. 1500 personally, but ever since I found your blog, I’ve been excited for you to reach your goal. I am always happy to see people succeed when they’ve done so through hard work.
    Jen @ Jen Spends recently posted…Freedom from WantMy Profile

    • 1500 says:

      Thanks Jen! No doubt, it’s been lots and lots of hard work. Definitely worth it.

      I hope we meet in person in the near future. Our East Coast trip will happen in the next 2 years. Your family is always welcome at our place in Colorado too.

  25. bdub says:

    Congrats! I don’t post here often but I am a frequent reader. I enjoy the blog tremendously and really appreciate your story and your willingness to share.

  26. g-dog says:

    YAY! you guys did it! Though Mrs. 1500 discounts her contributions – you both did this because you are both pulling in the same direction for the same goal. Her contributions may not be income, but controlling outflow is incredibly important too!

    I just joined the double comma club today as well! I know the market may decide not to keep me in the club all the time, but it feels good. I did it just 2 days (and 14.666 years) after you. I made $16600 gross in my 1st ft job in 1985 — I never thought this was possible, or that I would ever retire before 65 (or 67…). I am giddy, but like you noted, this also feels strange (surreal) and temporary. Maybe I don’t quite believe it yet, not sure – only the future will tell.
    Congratulations again! I think we need a T-shirt (or a Creative Commons T-shirt design we can share)!

    • 1500 says:

      Ha, I also suspect my membership will be temporary for a while. Eventually, I’ll join for good, but it will be a while.

      Surreal is right. I still feel poor. My cars are old and my clothes have holes.

  27. JohnFutureParalegal says:

    Congratulations Mr 1500! It’s a great achivement to join a double-comma club! Thanks for a good article. To be honest, it inspired me a little bit. I hope in 9-15 years ,I’ll also join this prestigious club.
    JohnFutureParalegal recently posted…How to Become a Notary: 10+ Real-World Answers on Your Prospective Profession QuestionsMy Profile

  28. Jason says:

    Congratulations! I love reading about your accomplishments. Gives me even more motivation for mine. Keep up the great work you are killing it!
    Jason recently posted…My Financial ThanksgivingMy Profile

  29. Big Guy Money says:

    That’s AWESOME!

    Sure, it’s just another digit, but it’s ANOTHER DIGIT! Hope you and the 1500s had a great Thanksgiving 🙂
    Big Guy Money recently posted…A Different Type Of Holiday GivingMy Profile

  30. Joel says:

    WE just reached the “double comma” club as well. It wasn’t the surreal moment I expected but upon reflection and discussion it is pretty cool. Our family situation is a lot like yours with one working and the other taking care of the kids. We probably appear fairly needy to our consumer friends and neighbors but how little do they know…

    • 1500 says:

      “We probably appear fairly needy to our consumer friends and neighbors but how little do they know…”

      That is how we appear too and I’d have it no other way! 🙂 One of our neighbors is on public assistance and they thing we’re the poor ones. Ha!

  31. Wow. SO AWESOME! Many, many, many congrats! Pretty good way to celebrate Thanksgiving, I’d say.
    P.S. Happy Birthday!
    Mrs. Frugalwoods recently posted…A Very DIY ThanksgivingMy Profile

  32. JR says:

    Congrats! Hoping to make it to the double comma myself by the end of the year. Will all depend on the markets….

    Great achievement! Enjoy reading about your path to making it there. Keep it up! The harder you work, the luckier you get!

    • 1500 says:

      Thanks and best of luck!

      And yes, the hardest working ones are always the luckiest. Funny how that works out…

  33. Congrats! Great to see you guys make it there, and way ahead of schedule too. I really enjoy your blog and it’s one of the reasons that I started my blog. Hopefully you still continue churning out the great content after getting over the hump. We’re all waiting to see the results of the house formerly known as ugly house.

  34. Lindsay says:

    Woo woo! Yee haw! Go team 1500s! Man, if I want to join the double comma club by the time I’m 40, I have got to get a move on. Thanks for the inspiration!
    Happy Thanksgiving to all, and a very happy birthday to you, Mr. 1500.

  35. Sir Salty says:

    Congratulations! Thanks for being so open with all of us. It’s very inspiring. Happy Thanksgiving!

  36. linda says:

    Thank-you for your post. You are truly an inspiration to all that read your blogs. I must say that you have encouraged me alot and I look forward to reading more. Happy belated birthday to you and much more success.

  37. Mad Fientist says:

    Congratulations, dude (and happy belated birthday)! Such a huge achievement so well done getting your second comma!
    Mad Fientist recently posted…After-Tax Contributions and a Surprise Gift from the IRSMy Profile

  38. The Roamer says:

    I took an online vacation so sorry for lateness. But Wow!

    What a great thanksgiving present and you didn’t even have to fight the black Friday crowds.

    This is just so amazing I am so happy for you and your family. Reading this like other people have said is really inspirational and makes me realize that my goal is real!

    Just 2 years ago I had said to a friend that I would be a millionaire some day, as she did my hair. She was in shock but seemed supportive. 15 years sounds like a lifetime and a blink of an eye. But we are on our way and I hope to join your club when I reach 40.
    Congrats I am so stoked for you.
    Happy late birthday!
    The Roamer recently posted…Lets give thanksMy Profile

  39. Leigh says:

    Woo! Congratulations! Your investments have grown SO much in the last few months. It’s been really fun to watch. I originally wanted to have a $1M net worth by age 50, but now I’m thinking 30.

    I have a similar uneasy relationship with money. I’ve never liked spending it and always preferred to keep as much in the bank as possible. A high income really helped me change that as now I do spend a decent amount to enjoy life a bit more since there is still a ton leftover for savings.
    Leigh recently posted…November 2014 net worth update (+4.8%)My Profile

  40. Lisa says:

    This is amazing – congratulations! This is very inspiring to someone like me who wants to be a millionaire. Watching real people achieve this goal before 50 is so motivating!
    Lisa recently posted…November 2014 Net Worth UpdateMy Profile

  41. Thomas says:


    I am curious to see, where you go from here. I very much hope, the blog will stay.

    I am sure, you will not go crazy with the money, but I dearly hope you will also not fall into the “just-one-more-year-to-be-safe-trap”. (The debt-free argumentation looked a little bit like this.) You have only this one life, so sit back and think about this. Christmas and New Year are very good times for this. Still, these are only my “five cents”…

    But for now, enjoy the double-comma and maybe rent(!) that NSX finally.

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  52. Robert says:

    Congratulations man, that is really awesome. I also try to build up a portfolio, starting with ETF Funds, wish me luck 🙂 Greetings from Germany! (yes, your blog is also read in Europe 🙂 )

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