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Net worth update per


This is FIRECHAOS's #19 net worth update. Please check out my profile here for more information. As of , my net worth decreased to USD 322,368 and my FI portfolio decreased to USD 261,468


Net worth

USD 322,368

Since the last update on my net worth has decreased with USD -209,030 ( -39.34 %).

FI portfolio

USD 261,468

Since the last update on my FI portfolio has decreased with USD -9,030 ( -3.34 %).

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 10,038 -9,000 1,038
Investments 80 0 80
Retirement acc 260,380 -30 260,350
Real estate 323,000 0 323,000
Other assets 500 0 500
Total assets 593,998 -9,030 584,968

Mortgage 54,500 200,000 254,500
Other debt 8,100 0 8,100
Total debt 62,600 200,000 262,600
Change
Cash 65,513 -64,475 1,038
Investments 2,036 -1,956 80
Retirement acc 180,589 +79,761 260,350
Real estate 0 + 323,000 323,000
Other assets 1,698 -1,198 500
Total assets 249,836 +335,132 584,968

Mortgage 0 254,500 254,500
Other debt 2,698 + 5,402 8,100
Total debt 2,698 + 259,902 262,600
Change
Cash 9,316 -8,278 1,038
Investments 5,250 -5,170 80
Retirement acc 29,056 +231,294 260,350
Real estate 0 + 323,000 323,000
Other assets 500 0 500
Total assets 44,122 +540,846 584,968

Mortgage 0 254,500 254,500
Other debt 476 + 7,624 8,100
Total debt 476 + 262,124 262,600

I am now 8.7% 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 261,468 FIRE target: USD 3,000,000


8.7%

FI portfolio

My FI portfolio now consists of USD 80 (0.0%) in investments, USD 260,350 (99.6%) in retirement accounts, and USD 1,038 (0.4%) in cash.

Investments

Since my last update, my investments decreased with USD 0 (0.0%).

Retirement accounts

Since my last update, my retirement accounts decreased with USD -30 (-0.01%).




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

If I quit working today, my monthly pay out would be USD 871 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
871/month
(4.0% SWR)
762/month
(3.5% SWR)
653/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 5 months, in , and at that time I will be 44 years old.

By that time I will have invested/saved another USD 744,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 1,994,532


Financial independence forecast