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This is firewarden's #21 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 4,135,056 and my FI portfolio increased to USD 2,782,472


Net worth

USD 4,135,056

Since the last update on my net worth has increased with USD 146,873 (+ 3.68 %).

FI portfolio

USD 2,782,472

Since the last update on my FI portfolio has increased with USD 148,830 (+ 5.65 %).

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 413,463 +74,959 488,422
Investments 1,092,786 +43,790 1,136,576
Retirement acc 1,127,393 +30,081 1,157,474
Real estate 3,155,556 + 5,555 3,161,111
Other assets 15,000 0 15,000
Total assets 5,804,198 +154,385 5,958,583

Mortgage 1,816,015 7,512 1,823,527
Other debt 0 0 0
Total debt 1,816,015 7,512 1,823,527
Change
Cash 268,802 +219,620 488,422
Investments 879,081 +257,495 1,136,576
Retirement acc 922,493 +234,981 1,157,474
Real estate 3,127,778 + 33,333 3,161,111
Other assets 0 + 15,000 15,000
Total assets 5,198,154 +760,429 5,958,583

Mortgage 1,616,468 207,059 1,823,527
Other debt 0 0 0
Total debt 1,616,468 207,059 1,823,527
Change
Cash 388,818 +99,604 488,422
Investments 0 +1,136,576 1,136,576
Retirement acc 627,250 +530,224 1,157,474
Real estate 3,050,000 + 111,111 3,161,111
Other assets 0 + 15,000 15,000
Total assets 4,066,068 +1,892,515 5,958,583

Mortgage 849,997 973,530 1,823,527
Other debt 0 0 0
Total debt 849,997 + 973,530 1,823,527

I am now 21.1% on my way to achive my FIRE target of USD 13,200,000. This is 1.1 percentage points closer, compared to the last net worth update.

USD 2,782,472 FIRE target: USD 13,200,000


21.1%

FI portfolio

My FI portfolio now consists of USD 1,136,576 (40.8%) in investments, USD 1,157,474 (41.6%) in retirement accounts, and USD 488,422 (17.6%) in cash.

Investments

Since my last update, my investments increased with USD 43,790 (4.01%).

Since I started tracking, my total contributions have been USD 3,050,749, and my total return has been USD 726,089.

Retirement accounts

Since my last update, my retirement accounts increased with USD 30,081 (2.67%), of which USD 2,021 was from contributions , and USD -115,800 was from returns.

Since I started tracking, my total contributions have been USD 2,522,592, and my total return is USD 1,228,320.




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

If I quit working today, my monthly pay out would be USD 9,274 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
9,274/month
(4.0% SWR)
8,115/month
(3.5% SWR)
6,956/month
(3.0% SWR)


When can I retire?

FI date

My age

44

I am currently aiming to save/invest approximately USD 40,000 each month.

Assuming an annual return of 6% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 13,200,000 in 5 years and 8 months, in , and at that time I will be 44 years old.

By that time I will have invested/saved another USD 5,560,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 4,857,528


Financial independence forecast