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Net worth update per


This is ramenistan's #4 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 80,955 and my FI portfolio increased to USD 80,955


Net worth

USD 80,955

Since the last update on my net worth has increased with USD 44,225 (+ 120.41 %).

FI portfolio

USD 80,955

Since the last update on my FI portfolio has increased with USD 10,105 (+ 14.26 %).

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.
Change
Cash 4,441 -2,441 2,000
Investments 8,620 -620 8,000
Retirement acc 57,789 +13,166 70,955
Real estate 0 0 0
Other assets 10,000 0 10,000
Total assets 80,850 +10,105 90,955

Mortgage 0 0 0
Other debt 44,120 -34,120 10,000
Total debt 44,120 -34,120 10,000
Change
Cash 5,784 -3,784 2,000
Investments 4,369 +3,631 8,000
Retirement acc 35,300 +35,655 70,955
Real estate 0 0 0
Other assets 8,000 + 2,000 10,000
Total assets 53,453 +37,502 90,955

Mortgage 0 0 0
Other debt 0 + 10,000 10,000
Total debt 0 + 10,000 10,000
Change
Cash 5,784 -3,784 2,000
Investments 4,369 +3,631 8,000
Retirement acc 35,300 +35,655 70,955
Real estate 0 0 0
Other assets 8,000 + 2,000 10,000
Total assets 53,453 +37,502 90,955

Mortgage 0 0 0
Other debt 0 + 10,000 10,000
Total debt 0 + 10,000 10,000

I am now 5.4% on my way to achive my FIRE target of USD 1,500,000. This is 0.7 percentage points closer, compared to the last net worth update.

USD 80,955 FIRE target: USD 1,500,000


5.4%

FI portfolio

My FI portfolio now consists of USD 8,000 (9.9%) in investments, USD 70,955 (87.6%) in retirement accounts, and USD 2,000 (2.5%) in cash.

Investments

Since my last update, my investments decreased with USD -620 (-7.19%).

Retirement accounts

Since my last update, my retirement accounts increased with USD 13,166 (22.78%).




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

If I quit working today, my monthly pay out would be USD 269 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
269/month
(4.0% SWR)
236/month
(3.5% SWR)
202/month
(3.0% SWR)


When can I retire?

FI date

My age

37

I am currently aiming to save/invest approximately USD 3,500 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 1,500,000 in 10 years and 0 months, in , and at that time I will be 37 years old.

By that time I will have invested/saved another USD 567,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 852,045


Financial independence forecast