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Net worth update per January 18th 2025


This is Falco's #574 net worth update. Please check out my profile here for more information. As of January 18th 2025, my net worth increased to USD 395,598 and my FI portfolio increased to USD 395,598


Net worth

USD 395,598

Since the last update on January 15th 2025 my net worth has increased with USD 3,325 (+ 0.85 %).

FI portfolio

USD 395,598

Since the last update on January 15th 2025 my FI portfolio has increased with USD 3,325 (+ 0.85 %).

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.
15 Jan 25 Change 18 Jan 25
Cash 16,453 0 16,453
Investments 95,719 +954 96,673
Retirement acc 280,101 +2,371 282,472
Real estate 0 0 0
Other assets 0 0 0
Total assets 392,273 +3,325 395,598

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
31 Dec 24 Change 18 Jan 25
Cash 13,632 +2,821 16,453
Investments 94,414 +2,259 96,673
Retirement acc 276,012 +6,460 282,472
Real estate 0 0 0
Other assets 0 0 0
Total assets 384,058 +11,540 395,598

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
17 Sep 20 Change 18 Jan 25
Cash 20,502 -4,049 16,453
Investments 22,774 +73,899 96,673
Retirement acc 141,441 +141,031 282,472
Real estate 0 0 0
Other assets 0 0 0
Total assets 184,717 +210,881 395,598

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0

I am now 79.1% on my way to achive my FIRE target of USD 500,000. This is 0.7 percentage points closer, compared to the last net worth update.

USD 395,598 FIRE target: USD 500,000


79.1%

FI portfolio

My FI portfolio now consists of USD 96,673 (24.4%) in investments, USD 282,472 (71.4%) in retirement accounts, and USD 16,453 (4.2%) in cash.

Investments

Since my last update, my investments increased with USD 954 (1.0%).

Since I started tracking, my total contributions have been USD 54,293, and my total return has been USD 20,213.

Retirement accounts

Since my last update, my retirement accounts increased with USD 2,371 (0.85%).

Since I started tracking, my total contributions have been USD 27,636, and my total return is USD 113,162.




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

If I quit working today, my monthly pay out would be USD 1,318 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
1,318/month
(4.0% SWR)
1,153/month
(3.5% SWR)
988/month
(3.0% SWR)


When can I retire?

FI date

April 2027

My age

44

I am currently aiming to save/invest approximately USD 1,400 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 500,000 in 1 years and 10 months, in April 2027, and at that time I will be 44 years old.

By that time I will have invested/saved another USD 37,800, while the rest will be return on my existing FI portfolio and the new investments, in total USD 66,602


Financial independence forecast