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Net worth update per


This is librarianFIRE's #18 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 1,113,000 and my FI portfolio increased to USD 964,000


Net worth

USD 1,113,000

Since the last update on my net worth has increased with USD 21,800 (+ 2.0 %).

FI portfolio

USD 964,000

Since the last update on my FI portfolio has increased with USD 21,000 (+ 2.23 %).

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 +1,000 67,000
Investments 161,000 +2,000 163,000
Retirement acc 716,000 +18,000 734,000
Real estate 240,000 0 240,000
Other assets 0 0 0
Total assets 1,183,000 +21,000 1,204,000

Mortgage 91,800 -800 91,000
Other debt 0 0 0
Total debt 91,800 -800 91,000
Change
Cash 78,000 -11,000 67,000
Investments 140,000 +23,000 163,000
Retirement acc 583,000 +151,000 734,000
Real estate 240,000 0 240,000
Other assets 0 0 0
Total assets 1,041,000 +163,000 1,204,000

Mortgage 95,000 -4,000 91,000
Other debt 0 0 0
Total debt 95,000 -4,000 91,000
Change
Cash 80,000 -13,000 67,000
Investments 120,000 +43,000 163,000
Retirement acc 340,000 +394,000 734,000
Real estate 240,000 0 240,000
Other assets 0 0 0
Total assets 780,000 +424,000 1,204,000

Mortgage 100,000 -9,000 91,000
Other debt 12,000 -12,000 0
Total debt 112,000 -21,000 91,000

I am now 55.1% on my way to achive my FIRE target of USD 1,750,000. This is 1.2 percentage points closer, compared to the last net worth update.

USD 964,000 FIRE target: USD 1,750,000


55.1%

FI portfolio

My FI portfolio now consists of USD 163,000 (16.9%) in investments, USD 734,000 (76.1%) in retirement accounts, and USD 67,000 (7.0%) in cash.

Investments

Since my last update, my investments increased with USD 2,000 (1.24%).

Retirement accounts

Since my last update, my retirement accounts increased with USD 18,000 (2.51%).




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

If I quit working today, my monthly pay out would be USD 3,213 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
3,213/month
(4.0% SWR)
2,811/month
(3.5% SWR)
2,410/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 10 months, in , and at that time I will be 42 years old.

By that time I will have invested/saved another USD 427,500, while the rest will be return on my existing FI portfolio and the new investments, in total USD 358,500


Financial independence forecast