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Net worth update per


This is librarianFIRE's #25 net worth update. Please check out my profile here for more information. As of , my net worth decreased to USD 1,192,300 and my FI portfolio decreased to USD 1,021,100


Net worth

USD 1,192,300

Since the last update on my net worth has decreased with USD -3,600 ( -0.3 %).

FI portfolio

USD 1,021,100

Since the last update on my FI portfolio has decreased with USD -24,800 ( -2.37 %).

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 68,000 -5,000 63,000
Investments 173,200 -8,400 164,800
Retirement acc 804,700 -11,400 793,300
Real estate 240,000 + 20,000 260,000
Other assets 0 0 0
Total assets 1,285,900 -4,800 1,281,100

Mortgage 90,000 -1,200 88,800
Other debt 0 0 0
Total debt 90,000 -1,200 88,800
Change
Cash 69,000 -6,000 63,000
Investments 165,500 -700 164,800
Retirement acc 774,300 +19,000 793,300
Real estate 240,000 + 20,000 260,000
Other assets 0 0 0
Total assets 1,248,800 +32,300 1,281,100

Mortgage 90,000 -1,200 88,800
Other debt 0 0 0
Total debt 90,000 -1,200 88,800
Change
Cash 80,000 -17,000 63,000
Investments 120,000 +44,800 164,800
Retirement acc 340,000 +453,300 793,300
Real estate 240,000 + 20,000 260,000
Other assets 0 0 0
Total assets 780,000 +501,100 1,281,100

Mortgage 100,000 -11,200 88,800
Other debt 12,000 -12,000 0
Total debt 112,000 -23,200 88,800

I am now 58.3% on my way to achive my FIRE target of USD 1,750,000. This is -1.4 percentage points closer, compared to the last net worth update.

USD 1,021,100 FIRE target: USD 1,750,000


58.3%

FI portfolio

My FI portfolio now consists of USD 164,800 (16.1%) in investments, USD 793,300 (77.7%) in retirement accounts, and USD 63,000 (6.2%) in cash.

Investments

Since my last update, my investments decreased with USD -8,400 (-4.85%).

Retirement accounts

Since my last update, my retirement accounts decreased with USD -11,400 (-1.42%).




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

If I quit working today, my monthly pay out would be USD 3,403 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
3,403/month
(4.0% SWR)
2,978/month
(3.5% SWR)
2,552/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 2 years and 3 months, in , and at that time I will be 42 years old.

By that time I will have invested/saved another USD 390,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 338,900


Financial independence forecast