Fireleap.com is a net worth tracking app that let's everyone track their finances in public. Sign up to join us!

Net worth update per November 30th 2021


This is unpo's #7 net worth update. Please check out my profile here for more information. As of November 30th 2021, my net worth increased to USD 671,600 and my FI portfolio increased to USD 462,769


Net worth

USD 671,600

Since the last update on November 1st 2021 my net worth has increased with USD 19,697 (+ 3.02 %).

FI portfolio

USD 462,769

Since the last update on November 1st 2021 my FI portfolio has increased with USD 8,343 (+ 1.84 %).

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.
1 Nov 21 Change 30 Nov 21
Cash 129,325 +2,815 132,140
Investments 104,146 +960 105,106
Retirement acc 220,955 +4,568 225,523
Real estate 541,513 + 5,832 547,345
Other assets 49,331 + 2,081 51,412
Total assets 1,045,270 +16,256 1,061,526

Mortgage 377,970 -682 377,288
Other debt 15,397 -2,759 12,638
Total debt 393,367 -3,441 389,926
1 Jun 21 Change 30 Nov 21
Cash 71,900 +60,240 132,140
Investments 33,915 +71,191 105,106
Retirement acc 185,919 +39,604 225,523
Real estate 484,198 + 63,147 547,345
Other assets 46,455 + 4,957 51,412
Total assets 822,387 +239,139 1,061,526

Mortgage 381,357 -4,069 377,288
Other debt 168,776 -156,138 12,638
Total debt 550,133 -160,207 389,926
1 Jun 21 Change 30 Nov 21
Cash 71,900 +60,240 132,140
Investments 33,915 +71,191 105,106
Retirement acc 185,919 +39,604 225,523
Real estate 484,198 + 63,147 547,345
Other assets 46,455 + 4,957 51,412
Total assets 822,387 +239,139 1,061,526

Mortgage 381,357 -4,069 377,288
Other debt 168,776 -156,138 12,638
Total debt 550,133 -160,207 389,926

I am now 18.5% on my way to achive my FIRE target of USD 2,500,000. This is 0.3 percentage points closer, compared to the last net worth update.

USD 462,769 FIRE target: USD 2,500,000


18.5%

FI portfolio

My FI portfolio now consists of USD 105,106 (22.7%) in investments, USD 225,523 (48.7%) in retirement accounts, and USD 132,140 (28.6%) in cash.

Investments

Since my last update, my investments increased with USD 960 (0.92%).

Since I started tracking, my total contributions have been USD 152,700, and my total return has been USD 199,437.

Retirement accounts

Since my last update, my retirement accounts increased with USD 4,568 (2.07%), of which USD 8,340 was from contributions , and USD 3,371 was from returns.

Since I started tracking, my total contributions have been USD 325,065, and my total return is USD 157,382.




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

If I quit working today, my monthly pay out would be USD 1,542 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
1,542/month
(4.0% SWR)
1,349/month
(3.5% SWR)
1,156/month
(3.0% SWR)


When can I retire?

FI date

October 2030

My age

44

I am currently aiming to save/invest approximately USD 9,000 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 2,500,000 in 5 years and 5 months, in October 2030, and at that time I will be 44 years old.

By that time I will have invested/saved another USD 963,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 1,074,231


Financial independence forecast