Search found 1102 matches

by wolf
Fri Jan 14, 2022 10:25 am
Forum: Money and Investment Questions
Topic: 1 Jacob Adjusted For Inflation (JAFI)
Replies: 213
Views: 880156

Re: 1 Jacob Adjusted For Inflation (JAFI)

correct white belt.
I used the inflation calculation too early. They didn't used the latest December inflation.

1 JAFI for 2021 is $9,413 (rounded)
by wolf
Wed Jan 12, 2022 11:23 am
Forum: Money and Investment Questions
Topic: 1 Jacob Adjusted For Inflation (JAFI)
Replies: 213
Views: 880156

Re: 1 Jacob Adjusted For Inflation (JAFI)

1 JAFI for 2021 is $9,413

edit: corrected the number afterwards
by wolf
Sat Jan 01, 2022 5:06 am
Forum: ERE Journals
Topic: wolf's journal
Replies: 278
Views: 281277

Re: wolf's journal

@theanimal : thanks. Yeah, it was a great year indeed. No, I've got no big changes for this year. @bankai : thanks. No, money problem is not solved. It's ongoing. It's a process. My life changes all the time (day by day, bit by bit), so does my relationship with money. @McTrex : of course I could ex...
by wolf
Tue Dec 28, 2021 9:09 am
Forum: ERE Journals
Topic: wolf's journal
Replies: 278
Views: 281277

Re: wolf's journal

2021 review Hi all, hope you are doing well! I’d like to share my 2021 ERE review with you. key indicators: Expenses = 5431€ (without health insurance) Savings Rate = 90% Withdrawal Rate = 1.5% Change of FI money compared to Jan 1st 2021 = +84k€ (+30%) detailed expenses in categories: housing, inte...
by wolf
Wed Apr 07, 2021 1:37 am
Forum: ERE Journals
Topic: wolf's journal
Replies: 278
Views: 281277

Re: wolf's journal

I'm going to leave the forum temporarily. @jacob thank you for all the inspiration you provided. It supported me to do incredible changes and progress in my life during the past few years. The student must leave the teacher at some point in time, I guess. And you've been a great teacher. Right now, ...
by wolf
Mon Apr 05, 2021 10:03 am
Forum: Philosophy and Lifestyle Questions
Topic: The ERE Wheaton Scale
Replies: 484
Views: 143462

Re: The ERE Wheaton Scale

why don't everybody propose something for the goal* of the ERE Wheaton Table, framed in a few words? Understanding it lies not only in the responsibility of the sender, but also on the receiver. I would say the goal of WL9 is to be an "expert in creating a highly efficient and economically sust...
by wolf
Sun Apr 04, 2021 10:50 am
Forum: ERE Journals
Topic: DutchGirl's journal
Replies: 784
Views: 226465

Re: DutchGirl's journal

That's great progress DutchGirl. You are faster than initially anticipated or planned. That's a very good sign, that you'll achieve all of your financial goals in time. Regarding your pension: Wow, how is that possible? You are 42 years young and have already build up a pension of 2050 euros/month (...
by wolf
Sun Apr 04, 2021 12:45 am
Forum: ERE Journals
Topic: Bankai's Journal
Replies: 179
Views: 110862

Re: Bankai's Journal

Well done bankai with the ultra low expenses in Q1. It is great to see that the stock market crash in 2020 didn't have an influence at all to your NW. What kind of investment strategy do you follow or did you read about? Have you decided yet ;-) It took me about ten years to learn, choose and decide...
by wolf
Thu Apr 01, 2021 11:41 am
Forum: Money and Investment Questions
Topic: Income Robustness Score Log
Replies: 55
Views: 47559

Re: Income Robustness Score Log

IR: 2
by wolf
Thu Apr 01, 2021 11:21 am
Forum: ERE Journals
Topic: Fingeek's Journal
Replies: 153
Views: 43494

Re: Fingeek's Journal

Wow, congrats to the progress. You are so close now to cover full 4% spending. Well done. Have fun with your hobbies. What are these?
by wolf
Mon Mar 29, 2021 12:12 pm
Forum: Philosophy and Lifestyle Questions
Topic: The ERE Wheaton Scale
Replies: 484
Views: 143462

Re: The ERE Wheaton Scale

What do you think of changing "desired household spending" to "desired spending per person", because in my observation spending is almost always discussed per Person? @jacob, why did you decide for a household? Secondly, what do you think of calibrating it then on L7 to 1 JAFI, b...
by wolf
Sun Mar 28, 2021 10:35 am
Forum: ERE Journals
Topic: L's Journal
Replies: 220
Views: 55948

Re: L's Journal

Thanks for your journal update. I thought INFPs could handle people well, because of their ability of empathy? Having social capital and the ability to build it is something I consider as room for improvement in my life. After selling your car you will decrease your spending quite significantly to a...
by wolf
Mon Feb 22, 2021 2:38 am
Forum: Money and Investment Questions
Topic: Portfolio Charts
Replies: 538
Views: 162697

Re: Portfolio Charts

I always used the ISIN. But first I searched for different funds. If I identified one I save the ISIN locally on my computer e.g. in a spreadsheet, etc. And my broker/bank uses only the ISIN as the master identifier in my portfolio. Buy and sell orders start by submitting the ISIN.
by wolf
Thu Feb 18, 2021 1:17 am
Forum: Money and Investment Questions
Topic: Creating my own S&P 100 index fund - Is the return worth the downsides?
Replies: 5
Views: 829

Re: Creating my own S&P 100 index fund - Is the return worth the downsides?

Are dividents also taxed that much? Maybe a divident oriented portfolio is an alternative?
by wolf
Tue Feb 16, 2021 8:41 am
Forum: ERE Journals
Topic: classical_Liberal's Semi-ERE
Replies: 732
Views: 162815

Re: classical_Liberal's Semi-ERE

Many thanks for all the posts over the last 10 years @classical_Liberal
by wolf
Tue Feb 16, 2021 8:37 am
Forum: ERE Journals
Topic: wolf's journal
Replies: 278
Views: 281277

Re: wolf's journal

Thanks for reading and commenting my journal @Western Red Cedar ! re: books If I really like a book or find it very useful then I'll buy it. Otherwise I only borrow it from the library or sell it again. I keep the good ones. And on average I re-read the good ones annually, because every time I re-re...
by wolf
Tue Feb 09, 2021 8:06 am
Forum: ERE Journals
Topic: wolf's journal
Replies: 278
Views: 281277

Re: wolf's journal

@Quadalupe: My Web-of-Goal- and-Processes is there in the background. I don't focus on it very actively these days and I don't have a plan to develop, alter or change it. There will be a time in the future, when I'll focus on it more again. I've set up my ERE(ish)-lifestyle some years ago. It is sti...
by wolf
Mon Feb 08, 2021 10:52 am
Forum: ERE Journals
Topic: ERE Adventuring
Replies: 327
Views: 44415

Re: ERE Adventuring

Congrats on the new best month! Last year during the COVID-19 stock market crash I lost also money in the thousands. Then, a few months later I reflected honestly. I knew I had to learn the lessons, otherwise I risk doing the same mistake twice. Therefore I encourage you to reflect honestly about yo...
by wolf
Sun Feb 07, 2021 1:38 am
Forum: ERE Journals
Topic: wolf's journal
Replies: 278
Views: 281277

Review 2020

Year end financials 2020 Expenses = 5698€ (without health insurance) Savings Rate = 91% Withdrawal Rate = 2.00% Change of FI money compared to Jan 1 2018 = +40k€ (+17%) goal of 420k€ FI money = 68% It was a great year expenses and income wise, but it was only a normal year NW wise. I earned a good ...
by wolf
Sat Feb 06, 2021 7:39 am
Forum: Money and Investment Questions
Topic: 1 Jacob Adjusted For Inflation (JAFI)
Replies: 213
Views: 880156

Re: 1 Jacob Adjusted For Inflation (JAFI)

2Birds1Stone wrote:
Tue Feb 02, 2021 8:09 am
Do we have a 2020 update yet? @wolf
1 JAFI in 2020 was $8,738