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Net worth update per


This is librarianFIRE's #17 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 1,091,200 and my FI portfolio increased to USD 943,000


Net worth

USD 1,091,200

Since the last update on my net worth has increased with USD 18,200 (+ 1.7 %).

FI portfolio

USD 943,000

Since the last update on my FI portfolio has increased with USD 18,000 (+ 1.95 %).

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 66,000 0 66,000
Investments 159,000 +2,000 161,000
Retirement acc 700,000 +16,000 716,000
Real estate 240,000 0 240,000
Other assets 0 0 0
Total assets 1,165,000 +18,000 1,183,000

Mortgage 92,000 -200 91,800
Other debt 0 0 0
Total debt 92,000 -200 91,800
Change
Cash 78,000 -12,000 66,000
Investments 140,000 +21,000 161,000
Retirement acc 583,000 +133,000 716,000
Real estate 240,000 0 240,000
Other assets 0 0 0
Total assets 1,041,000 +142,000 1,183,000

Mortgage 95,000 -3,200 91,800
Other debt 0 0 0
Total debt 95,000 -3,200 91,800
Change
Cash 80,000 -14,000 66,000
Investments 120,000 +41,000 161,000
Retirement acc 340,000 +376,000 716,000
Real estate 240,000 0 240,000
Other assets 0 0 0
Total assets 780,000 +403,000 1,183,000

Mortgage 100,000 -8,200 91,800
Other debt 12,000 -12,000 0
Total debt 112,000 -20,200 91,800

I am now 53.9% on my way to achive my FIRE target of USD 1,750,000. This is 1.0 percentage points closer, compared to the last net worth update.

USD 943,000 FIRE target: USD 1,750,000


53.9%

FI portfolio

My FI portfolio now consists of USD 161,000 (17.1%) in investments, USD 716,000 (75.9%) in retirement accounts, and USD 66,000 (7.0%) in cash.

Investments

Since my last update, my investments increased with USD 2,000 (1.26%).

Retirement accounts

Since my last update, my retirement accounts increased with USD 16,000 (2.29%).




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

If I quit working today, my monthly pay out would be USD 3,143 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
3,143/month
(4.0% SWR)
2,750/month
(3.5% SWR)
2,357/month
(3.0% SWR)


When can I retire?

FI date

My age

42

I am currently aiming to save/invest approximately USD 7,500 each month.

Assuming an annual return of 6% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 1,750,000 in 0 years and 11 months, in , and at that time I will be 42 years old.

By that time I will have invested/saved another USD 442,500, while the rest will be return on my existing FI portfolio and the new investments, in total USD 364,500


Financial independence forecast