SWR milestone record
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Re: SWR milestone record
2010: Six figures in debt (mostly student loans)
1/31/2016 (started tracking): 62.04% (155.52% excluding home equity and kids' 529 accounts)
2016 (avg mo. 2016 expenses*12/end of year NW #s): 43.34% (85.09%)
2017 (avg mo. 2017 expenses*12/end of year NW #s): 39.07% (76.29%)
7/31/2018 (July expenses*12/July NW #s): 26.07% (44.85%)
1/31/2016 (started tracking): 62.04% (155.52% excluding home equity and kids' 529 accounts)
2016 (avg mo. 2016 expenses*12/end of year NW #s): 43.34% (85.09%)
2017 (avg mo. 2017 expenses*12/end of year NW #s): 39.07% (76.29%)
7/31/2018 (July expenses*12/July NW #s): 26.07% (44.85%)
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Re: SWR milestone record
1/1/2011 - 120%
1/1/2012 - 80.0%
1/1/2013 - 58.5%
1/1/2014 - 36.7%
1/1/2015 - 20.7%
1/1/2016 - 14.4%
1/1/2017 - 8.8%
1/1/2018 - 6.4%
10/1/2018 - 4.51
1/1/2012 - 80.0%
1/1/2013 - 58.5%
1/1/2014 - 36.7%
1/1/2015 - 20.7%
1/1/2016 - 14.4%
1/1/2017 - 8.8%
1/1/2018 - 6.4%
10/1/2018 - 4.51
Re: SWR milestone record
3,8% (based on ultra low expenses of the last 12 months plus health insurance I'd have to pay if I RE, but without any margin of safety) Nevertheless
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Re: SWR milestone record
@Wolf
Congrats, what is your goal? You must be getting pretty close.
Congrats, what is your goal? You must be getting pretty close.
Re: SWR milestone record
my goal: <3% with a margin of safety of 100% (I would answer you today, but things could change. You never know)
Re: SWR milestone record
@wolf - are you saying <1.5% then? What are you factoring in? Supporting more humans or just spending way more? Good job reaching 4%!
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Re: SWR milestone record
Congrats Wolf! Do you find it get's easier for the WR% to drop once you got to 4%?
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Re: SWR milestone record
I'm not sure I understood all of it but there was a discussion about the relative difficulty of changes in WR at different points at viewtopic.php?t=81122Birds1Stone wrote: ↑Sat Nov 10, 2018 11:40 amDo you find it get's easier for the WR% to drop once you got to 4%?
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Re: SWR milestone record
1/1/2011 - 120%
1/1/2012 - 80.0%
1/1/2013 - 58.5%
1/1/2014 - 36.7%
1/1/2015 - 20.7%
1/1/2016 - 14.4%
1/1/2017 - 8.8%
1/1/2018 - 6.4%
11/1/2018 - 4.46%
1/1/2012 - 80.0%
1/1/2013 - 58.5%
1/1/2014 - 36.7%
1/1/2015 - 20.7%
1/1/2016 - 14.4%
1/1/2017 - 8.8%
1/1/2018 - 6.4%
11/1/2018 - 4.46%
Re: SWR milestone record
7000/70000 = .10
Although since I'm living with the parents w/o rent, it's more like
3000/70000 = .036
Although since I'm living with the parents w/o rent, it's more like
3000/70000 = .036
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- Posts: 1627
- Joined: Thu Nov 19, 2015 11:20 am
- Location: Earth
Re: SWR milestone record
1/1/2011 - 120%
1/1/2012 - 80.0%
1/1/2013 - 58.5%
1/1/2014 - 36.7%
1/1/2015 - 20.7%
1/1/2016 - 14.4%
1/1/2017 - 8.8%
1/1/2018 - 6.4%
12/1/2018 - 4.29%
1/1/2012 - 80.0%
1/1/2013 - 58.5%
1/1/2014 - 36.7%
1/1/2015 - 20.7%
1/1/2016 - 14.4%
1/1/2017 - 8.8%
1/1/2018 - 6.4%
12/1/2018 - 4.29%
Re: SWR milestone record
12/01/2018 - 32.97%. Investments are at $91,000. The aim is $750,000. Goal for next year is to increase investments while keeping the goal number the same or reduced.
Re: SWR milestone record
Jan 2015 - 100%
Oct 2015 - 50%
Apr 2016 - 25%
May 2017 - 10%
November 2018 - 5%
Currently at 4.87% and set to hit 4% next May.
Oct 2015 - 50%
Apr 2016 - 25%
May 2017 - 10%
November 2018 - 5%
Currently at 4.87% and set to hit 4% next May.
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Re: SWR milestone record
Well hopefully the market will start going back up in the near future.
Re: SWR milestone record
31/12/2018 .. 3.8 %
but my Investment Returns have not been able to cover my projected ERE expenses yet.
and I don´t own a home.
but my Investment Returns have not been able to cover my projected ERE expenses yet.
and I don´t own a home.
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- Posts: 1627
- Joined: Thu Nov 19, 2015 11:20 am
- Location: Earth
Re: SWR milestone record
1/1/2011 - 120%
1/1/2012 - 80.0%
1/1/2013 - 58.5%
1/1/2014 - 36.7%
1/1/2015 - 20.7%
1/1/2016 - 14.4%
1/1/2017 - 8.8%
1/1/2018 - 6.4%
1/1/2019 - 4.2%
This shit really works.......expenses dropped 28% this year, fuck you Mr. Stock Market.
1/1/2012 - 80.0%
1/1/2013 - 58.5%
1/1/2014 - 36.7%
1/1/2015 - 20.7%
1/1/2016 - 14.4%
1/1/2017 - 8.8%
1/1/2018 - 6.4%
1/1/2019 - 4.2%
This shit really works.......expenses dropped 28% this year, fuck you Mr. Stock Market.
Re: SWR milestone record
Well, at the last Chicago get-together it was suggested that I should post about a successful across the finish line. I'll throw something up in the Journals, but for here I can pull out my trusty tracking spreadsheet (started in 2006). For the WR, i'm just going to use my ballpark current budget without worrying about historical spending, since in retirement is what we're all really shooting for (~$100/day = $36,525/year). For what it's worth, I'm using June numbers because 1) I have a large unusual investment that reprices 1/year in about March and 2) I started it after January 2006 and ballparked backwards a couple of months, so June is closer to real and 3) I retired June 1, 2018, so it gives a good end date snapshot:
WR
6/2006: 54.4%
6/2007: 38.6%
6/2008: 28.7%
6/2009: 26.0%
6/2010: 14.9%
6/2011: 10.4%
6/2012: 9.1%
6/2013: 7.4%
6/2014: 8.3%
6/2015: 6.6%
6/2016: 5.9%
6/2017: 4.6%
6/2018: 3.6%
notes: retired on 6/1/18 at age 39. Will see an increase in early 2019 as the price at which company stock is held is annually revalued and I get cashed out (had to leave the firm to be allowed to sell it), so while the 3.6% may seem a little aggressive, there is a reasonable bump coming as part of the exit. I'm estimating that the price change will mean 6/2019 ought to be right at 3.0%. While my wife has savings as well, I've been tracking them well before we met, so this is just mine, but covers all of our expenses - we are treating her savings as a safety backstop and they are ignored here. For what it's worth, I started paying attention and saving before this spreadsheet, but really only focused on it starting about 1-2 years earlier, so if you're starting out, this is a reasonably lucky but possible path.
WR
6/2006: 54.4%
6/2007: 38.6%
6/2008: 28.7%
6/2009: 26.0%
6/2010: 14.9%
6/2011: 10.4%
6/2012: 9.1%
6/2013: 7.4%
6/2014: 8.3%
6/2015: 6.6%
6/2016: 5.9%
6/2017: 4.6%
6/2018: 3.6%
notes: retired on 6/1/18 at age 39. Will see an increase in early 2019 as the price at which company stock is held is annually revalued and I get cashed out (had to leave the firm to be allowed to sell it), so while the 3.6% may seem a little aggressive, there is a reasonable bump coming as part of the exit. I'm estimating that the price change will mean 6/2019 ought to be right at 3.0%. While my wife has savings as well, I've been tracking them well before we met, so this is just mine, but covers all of our expenses - we are treating her savings as a safety backstop and they are ignored here. For what it's worth, I started paying attention and saving before this spreadsheet, but really only focused on it starting about 1-2 years earlier, so if you're starting out, this is a reasonably lucky but possible path.