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Net worth update per

This is desicoder's #4 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 2,025,000 and my FI portfolio increased to USD 1,775,000

Net worth

USD 2,025,000

Since the last update on my net worth has increased with USD 175,000 (+ 9.46 %).

FI portfolio

USD 1,775,000

Since the last update on my FI portfolio has increased with USD 175,000 (+ 10.94 %).

The per-day change in net worth between the reported periods are shown in the plot below.

And the development and changes between each net worth reporting is shown in the tables below.

Net worth
FI portfolio

The changes for each asset class is shown in the table below. All numbers are in USD.

I am now 44.4% on my way to achive my FIRE target of USD 4,000,000. This is 4.4 percentage points closer, compared to the last net worth update.

USD 1,775,000 FIRE target: USD 4,000,000


FI portfolio

My FI portfolio now consists of USD 800,000 (45.1%) in investments, USD 675,000 (38.0%) in retirement accounts, and USD 300,000 (16.9%) in cash.


Since my last update, my investments decreased with USD -300,000 (-27.27%).

Retirement accounts

Since my last update, my retirement accounts increased with USD 175,000 (35.0%).

How much can I withdraw according to the 4%-rule?

If I quit working today, my monthly pay out would be USD 5,916 for the rest of my life.

Monthly SWR amount
Retire today with (USD)
(4.0% SWR)
(3.5% SWR)
(3.0% SWR)

When can I retire?

FI date

My age


I am currently aiming to save/invest approximately USD 8,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 4,000,000 in 4 years and 5 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another USD 784,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 1,441,000

Financial independence forecast