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Net worth update per November 30th 2022


This is firewarden's #62 net worth update. Please check out my profile here for more information. As of November 30th 2022, my net worth increased to USD 7,564,957 and my FI portfolio increased to USD 6,436,532


Net worth

USD 7,564,957

Since the last update on October 31st 2022 my net worth has increased with USD 312,884 (+ 4.31 %).

FI portfolio

USD 6,436,532

Since the last update on October 31st 2022 my FI portfolio has increased with USD 310,302 (+ 5.07 %).

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.
31 Oct 22 Change 30 Nov 22
Cash 277,488 +89,814 367,302
Investments 2,703,969 +63,246 2,767,215
Retirement acc 3,144,773 +157,242 3,302,015
Real estate 3,200,000 0 3,200,000
Other assets 25,000 0 25,000
Total assets 9,351,230 +310,302 9,661,532

Mortgage 2,099,157 -2,582 2,096,575
Other debt 0 0 0
Total debt 2,099,157 -2,582 2,096,575
31 Dec 21 Change 30 Nov 22
Cash 465,601 -98,299 367,302
Investments 2,847,838 -80,623 2,767,215
Retirement acc 3,092,226 +209,789 3,302,015
Real estate 3,200,000 0 3,200,000
Other assets 15,000 + 10,000 25,000
Total assets 9,620,665 +40,867 9,661,532

Mortgage 2,154,205 -57,630 2,096,575
Other debt 0 0 0
Total debt 2,154,205 -57,630 2,096,575
31 Oct 17 Change 30 Nov 22
Cash 388,818 -21,516 367,302
Investments 0 +2,767,215 2,767,215
Retirement acc 627,250 +2,674,765 3,302,015
Real estate 3,050,000 + 150,000 3,200,000
Other assets 0 + 25,000 25,000
Total assets 4,066,068 +5,595,464 9,661,532

Mortgage 849,997 1,246,578 2,096,575
Other debt 0 0 0
Total debt 849,997 + 1,246,578 2,096,575

I am now 48.8% on my way to achive my FIRE target of USD 13,200,000. This is 2.4 percentage points closer, compared to the last net worth update.

USD 6,436,532 FIRE target: USD 13,200,000


48.8%

FI portfolio

My FI portfolio now consists of USD 2,767,215 (43.0%) in investments, USD 3,302,015 (51.3%) in retirement accounts, and USD 367,302 (5.7%) in cash.

Investments

Since my last update, my investments increased with USD 63,246 (2.34%), of which USD 29,628 was from contributions, and USD 179,747 was from returns.

Since I started tracking, my total contributions have been USD 3,253,552, and my total return has been USD 636,383.

Retirement accounts

Since my last update, my retirement accounts increased with USD 157,242 (5.0%), of which USD 2,328 was from contributions , and USD 244,178 was from returns.

Since I started tracking, my total contributions have been USD 2,559,991, and my total return is USD 1,392,845.




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

If I quit working today, my monthly pay out would be USD 21,455 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
21,455/month
(4.0% SWR)
18,773/month
(3.5% SWR)
16,091/month
(3.0% SWR)


When can I retire?

FI date

June 2029

My age

42

I am currently aiming to save/invest approximately USD 40,000 each month.

Assuming an annual return of 6% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 13,200,000 in 4 years and 0 months, in June 2029, and at that time I will be 42 years old.

By that time I will have invested/saved another USD 3,160,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 3,603,468


Financial independence forecast