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Net worth update per


This is librarianFIRE's #28 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 1,843,300 and my FI portfolio increased to USD 1,605,000


Net worth

USD 1,843,300

Since the last update on my net worth has increased with USD 105,900 (+ 6.1 %).

FI portfolio

USD 1,605,000

Since the last update on my FI portfolio has increased with USD 104,600 (+ 6.97 %).

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 49,000 -1,000 48,000
Investments 204,900 +5,100 210,000
Retirement acc 1,246,500 +100,500 1,347,000
Real estate 315,000 0 315,000
Other assets 0 0 0
Total assets 1,815,400 +104,600 1,920,000

Mortgage 78,000 -1,300 76,700
Other debt 0 0 0
Total debt 78,000 -1,300 76,700
Change
Cash 46,000 +2,000 48,000
Investments 190,000 +20,000 210,000
Retirement acc 1,134,500 +212,500 1,347,000
Real estate 280,000 + 35,000 315,000
Other assets 0 0 0
Total assets 1,650,500 +269,500 1,920,000

Mortgage 80,000 -3,300 76,700
Other debt 0 0 0
Total debt 80,000 -3,300 76,700
Change
Cash 80,000 -32,000 48,000
Investments 120,000 +90,000 210,000
Retirement acc 340,000 +1,007,000 1,347,000
Real estate 240,000 + 75,000 315,000
Other assets 0 0 0
Total assets 780,000 +1,140,000 1,920,000

Mortgage 100,000 -23,300 76,700
Other debt 12,000 -12,000 0
Total debt 112,000 -35,300 76,700

I am now 91.7% on my way to achive my FIRE target of USD 1,750,000. This is 6.0 percentage points closer, compared to the last net worth update.

USD 1,605,000 FIRE target: USD 1,750,000


91.7%

FI portfolio

My FI portfolio now consists of USD 210,000 (13.1%) in investments, USD 1,347,000 (83.9%) in retirement accounts, and USD 48,000 (3.0%) in cash.

Investments

Since my last update, my investments increased with USD 5,100 (2.49%).

Retirement accounts

Since my last update, my retirement accounts increased with USD 100,500 (8.06%).




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

If I quit working today, my monthly pay out would be USD 5,350 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
5,350/month
(4.0% SWR)
4,681/month
(3.5% SWR)
4,012/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 0 years and 9 months, in , and at that time I will be 42 years old.

By that time I will have invested/saved another USD 75,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 70,000


Financial independence forecast