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Net worth update per


This is librarianFIRE's #21 net worth update. Please check out my profile here for more information. As of , my net worth decreased to USD 1,134,500 and my FI portfolio decreased to USD 984,500


Net worth

USD 1,134,500

Since the last update on my net worth has decreased with USD -16,800 ( -1.46 %).

FI portfolio

USD 984,500

Since the last update on my FI portfolio has decreased with USD -17,800 ( -1.78 %).

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 67,000 0 67,000
Investments 168,600 -4,800 163,800
Retirement acc 766,700 -13,000 753,700
Real estate 240,000 0 240,000
Other assets 0 0 0
Total assets 1,242,300 -17,800 1,224,500

Mortgage 91,000 -1,000 90,000
Other debt 0 0 0
Total debt 91,000 -1,000 90,000
Change
Cash 78,000 -11,000 67,000
Investments 140,000 +23,800 163,800
Retirement acc 583,000 +170,700 753,700
Real estate 240,000 0 240,000
Other assets 0 0 0
Total assets 1,041,000 +183,500 1,224,500

Mortgage 95,000 -5,000 90,000
Other debt 0 0 0
Total debt 95,000 -5,000 90,000
Change
Cash 80,000 -13,000 67,000
Investments 120,000 +43,800 163,800
Retirement acc 340,000 +413,700 753,700
Real estate 240,000 0 240,000
Other assets 0 0 0
Total assets 780,000 +444,500 1,224,500

Mortgage 100,000 -10,000 90,000
Other debt 12,000 -12,000 0
Total debt 112,000 -22,000 90,000

I am now 56.3% 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 984,500 FIRE target: USD 1,750,000


56.3%

FI portfolio

My FI portfolio now consists of USD 163,800 (16.6%) in investments, USD 753,700 (76.6%) in retirement accounts, and USD 67,000 (6.8%) in cash.

Investments

Since my last update, my investments decreased with USD -4,800 (-2.85%).

Retirement accounts

Since my last update, my retirement accounts decreased with USD -13,000 (-1.7%).




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

If I quit working today, my monthly pay out would be USD 3,281 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
3,281/month
(4.0% SWR)
2,871/month
(3.5% SWR)
2,461/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 412,500, while the rest will be return on my existing FI portfolio and the new investments, in total USD 353,000


Financial independence forecast