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Net worth update per February 15th 2025


This is teamluther's #16 net worth update. Please check out my profile here for more information. As of February 15th 2025, my net worth increased to USD 154,651 and my FI portfolio increased to USD 97,468


Net worth

USD 154,651

Since the last update on February 1st 2025 my net worth has increased with USD 6,163 (+ 4.15 %).

FI portfolio

USD 97,468

Since the last update on February 1st 2025 my FI portfolio has increased with USD 3,958 (+ 4.23 %).

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 Feb 25 Change 15 Feb 25
Cash 11,173 +3,214 14,387
Investments 306 +2 308
Retirement acc 82,031 +742 82,773
Real estate 214,900 -900 214,000
Other assets 32,000 -1,043 30,957
Total assets 340,410 +2,015 342,425

Mortgage 129,279 -268 129,011
Other debt 62,643 -3,880 58,763
Total debt 191,922 -4,148 187,774
20 Dec 24 Change 15 Feb 25
Cash 9,441 +4,946 14,387
Investments 393 -85 308
Retirement acc 79,529 +3,244 82,773
Real estate 222,800 -8,800 214,000
Other assets 34,010 -3,053 30,957
Total assets 346,173 -3,748 342,425

Mortgage 129,546 -535 129,011
Other debt 64,201 -5,438 58,763
Total debt 193,747 -5,973 187,774
31 Dec 20 Change 15 Feb 25
Cash 9,564 +4,823 14,387
Investments 102 +206 308
Retirement acc 27,278 +55,495 82,773
Real estate 308,800 -94,800 214,000
Other assets 18,000 + 12,957 30,957
Total assets 363,744 -21,319 342,425

Mortgage 219,679 -90,668 129,011
Other debt 20,055 + 38,708 58,763
Total debt 239,734 -51,960 187,774

I am now 6.5% on my way to achive my FIRE target of USD 1,500,000. This is 0.3 percentage points closer, compared to the last net worth update.

USD 97,468 FIRE target: USD 1,500,000


6.5%

FI portfolio

My FI portfolio now consists of USD 308 (0.3%) in investments, USD 82,773 (84.9%) in retirement accounts, and USD 14,387 (14.8%) in cash.

Investments

Since my last update, my investments increased with USD 2 (0.65%).

Retirement accounts

Since my last update, my retirement accounts increased with USD 742 (0.9%).




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

If I quit working today, my monthly pay out would be USD 324 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
324/month
(4.0% SWR)
284/month
(3.5% SWR)
243/month
(3.0% SWR)


When can I retire?

FI date

November 2045

My age

57

I am currently aiming to save/invest approximately USD 1,000 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 1,500,000 in 20 years and 5 months, in November 2045, and at that time I will be 57 years old.

By that time I will have invested/saved another USD 249,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 1,153,532


Financial independence forecast