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Net worth update per


This is FIRECHAOS's #9 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 126,350 and my FI portfolio decreased to USD 94,166


Net worth

USD 126,350

Since the last update on my net worth has increased with USD 24,604 (+ 24.18 %).

FI portfolio

USD 94,166

Since the last update on my FI portfolio has decreased with USD -7,862 ( -7.71 %).

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 28,000 -25,500 2,500
Investments 2,116 +80 2,196
Retirement acc 71,912 +17,558 89,470
Real estate 0 + 157,500 157,500
Other assets 0 0 0
Total assets 102,028 +149,638 251,666

Mortgage 0 123,816 123,816
Other debt 282 + 1,218 1,500
Total debt 282 + 125,034 125,316
Change
Cash 17,717 -15,217 2,500
Investments 7,747 -5,551 2,196
Retirement acc 57,669 +31,801 89,470
Real estate 0 + 157,500 157,500
Other assets 0 0 0
Total assets 83,133 +168,533 251,666

Mortgage 0 123,816 123,816
Other debt 80 + 1,420 1,500
Total debt 80 + 125,236 125,316
Change
Cash 9,316 -6,816 2,500
Investments 5,250 -3,054 2,196
Retirement acc 29,056 +60,414 89,470
Real estate 0 + 157,500 157,500
Other assets 500 -500 0
Total assets 44,122 +207,544 251,666

Mortgage 0 123,816 123,816
Other debt 476 + 1,024 1,500
Total debt 476 + 124,840 125,316

I am now 3.1% on my way to achive my FIRE target of USD 3,000,000. This is -0.3 percentage points closer, compared to the last net worth update.

USD 94,166 FIRE target: USD 3,000,000


3.1%

FI portfolio

My FI portfolio now consists of USD 2,196 (2.3%) in investments, USD 89,470 (95.0%) in retirement accounts, and USD 2,500 (2.7%) in cash.

Investments

Since my last update, my investments increased with USD 80 (3.78%).

Retirement accounts

Since my last update, my retirement accounts increased with USD 17,558 (24.42%).




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

If I quit working today, my monthly pay out would be USD 313 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
313/month
(4.0% SWR)
274/month
(3.5% SWR)
235/month
(3.0% SWR)


When can I retire?

FI date

My age

44

I am currently aiming to save/invest approximately USD 4,000 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 3,000,000 in 15 years and 6 months, in , and at that time I will be 44 years old.

By that time I will have invested/saved another USD 868,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 2,037,834


Financial independence forecast