Search found 65 matches

by Douglas
Sat Feb 06, 2021 11:29 am
Forum: ERE Journals
Topic: Jiimmy's Charts
Replies: 34
Views: 2007

Re: Jiimmy's Charts

dude you should be proud of your spreadsheets and graphs. Nice data sets going back years. Looking at the long term time trends make it a casebook study for fast financial independence.
by Douglas
Sat Feb 06, 2021 10:42 am
Forum: ERE Journals
Topic: Douglas journal
Replies: 59
Views: 12535

Re: Douglas journal

Modified the spreadsheet a little and found some averaging errors. % SWR is the real one to look at and it uses input from the bolded columns to the left of it (using 4% rule). Mortgage will be paid off in June then will start funneling money to after tax accounts. By the end of the year % SWR shoul...
by Douglas
Fri Dec 04, 2020 5:39 pm
Forum: ERE Journals
Topic: Douglas journal
Replies: 59
Views: 12535

Re: Douglas journal

it feels good to get back to crunching numbers, especially now that the market is going bananas. It definitely has put our spending back in focus especially on food. I don't see our spending ever going much lower than this last month but we'll see. I imagine over the next couple months the % SWR gai...
by Douglas
Fri Nov 20, 2020 5:41 pm
Forum: ERE Journals
Topic: Semi-ERE Year 3 - Wanderlust Prevails
Replies: 934
Views: 202032

Re: ERE Year 2 - Someone Call The Internet Retirement Police...

things are moving fast 2birds! congrats on the new family working arrangement. It sounds like you have your ducks in a row so I think no matter what happens it will be good. You're a few years ahead of us so it is nice to hear your experiences to give a glimpse of how life could be in a couple years...
by Douglas
Tue Nov 10, 2020 8:31 am
Forum: ERE Journals
Topic: Douglas journal
Replies: 59
Views: 12535

Re: Douglas journal

October monthly spending with averages accruing. Hope to maintain the monthly financial posts to keep the family and me focused. Again, not counting child care because at some point we won't need to pay but I guess it could easily morph into other expenses for the children. Something that also hit m...
by Douglas
Tue Nov 10, 2020 8:19 am
Forum: ERE Journals
Topic: Douglas journal
Replies: 59
Views: 12535

Re: Douglas journal

thanks Alphaville for the french news link! I've been watching it and hope to continue. Citizenship is a high priority right now and I hope to get the hard parts finished by next year
by Douglas
Sat Oct 17, 2020 6:57 pm
Forum: ERE Journals
Topic: Douglas journal
Replies: 59
Views: 12535

Re: Douglas journal

Nice, Alphaville. I would say if you could pop that out without notice you would pass the exam with just a little bit of brush up. I understood right away what you are saying but I am a ways off from coming up with a stand alone paragraph like that, at least without taking an hour to write it and lo...
by Douglas
Sat Oct 17, 2020 11:59 am
Forum: ERE Journals
Topic: Douglas journal
Replies: 59
Views: 12535

Re: Douglas journal

sharing a medium term goal of mine and unveiling more about myself. I married a french woman and we live in the U.S. She just got her american citizenship so now the attention has turned to me getting a french citizenship. We've done some research and it seems I can apply for citizenship after so ma...
by Douglas
Sun Oct 11, 2020 7:45 pm
Forum: ERE Journals
Topic: Douglas journal
Replies: 59
Views: 12535

Re: Douglas journal

Finally started tracking our financials after hiatus, it feels good. My python skills have come a long way and now it only takes a couple hours now which not too long ago would take me a couple days to complete. Nothing fancy just combining data tables and summary statistics. I made it less painful ...
by Douglas
Sat Sep 26, 2020 12:55 pm
Forum: ERE Journals
Topic: Douglas journal
Replies: 59
Views: 12535

Re: Douglas journal

yeah my mind has wondered from the ERE mentality as of late, thanks to the forums I hope to get back on track. It began when my wife finally got a fresh career start over a year ago, and when the kid went to daycare I saw the progress we made on our SWR destroyed just like that. I stopped checking i...
by Douglas
Fri Sep 25, 2020 3:47 pm
Forum: ERE Journals
Topic: Douglas journal
Replies: 59
Views: 12535

Re: Douglas journal

It's been a long time coming for an update. About a year ago I stopped tracking our spending because my wife got a job and our elevated spending levels made me not want to see it. I want to start tracking everything closely again as she just got a new job that pays significantly more, which all else...
by Douglas
Sun Sep 29, 2019 9:33 pm
Forum: ERE Journals
Topic: Douglas journal
Replies: 59
Views: 12535

Re: Douglas journal

Thanks Wolf! If you look at the numbers in multiple ways you can pass milestones with higher frequency.
by Douglas
Sat Jul 06, 2019 5:58 pm
Forum: ERE Journals
Topic: Douglas journal
Replies: 59
Views: 12535

Re: Douglas journal

This week we finally crossed into positive net worth including our mortgage as debt. SWR took a hit though because my wife got a job and kids are going to daycare (monthly spending increased a lot). Net worth still has a good trajectory.

Image
by Douglas
Sun Jun 23, 2019 9:34 pm
Forum: ERE Journals
Topic: Douglas journal
Replies: 59
Views: 12535

Re: Douglas journal

Today I consider our net worth to be conservatively $0. That is, we could pay off our mortgage if we liquidated our savings and 401k and used it towards principal. I actually thought we reached this milestone 6 months ago but due to an accounting error in my spreadsheet I was sorely disappointed tha...
by Douglas
Sun Mar 24, 2019 10:59 pm
Forum: ERE Journals
Topic: Douglas journal
Replies: 59
Views: 12535

Re: Douglas journal

My wife got a job a couple weeks ago. We will net about $1,500 more a month after associated costs of her going to work are accounted for (child care). Net gain will stay like this for a couple years but will gradually increase as the kids get older. She is really happy about going back to work afte...
by Douglas
Sun Mar 24, 2019 10:43 pm
Forum: ERE Journals
Topic: Douglas journal
Replies: 59
Views: 12535

Re: Douglas journal

Some guy opened up a bike repair shop 5 minutes walk from my home about 3 months ago. He has been in business for 3 years then moved to a warehouse location nearby. Local bike stores are closing but his model might work out because it is low overhead...just a guy and his girlfriend fixing bikes and ...
by Douglas
Sun Mar 03, 2019 8:59 am
Forum: Money Questions
Topic: Investments Trade Log
Replies: 2537
Views: 516105

Re: Investments Trade Log

I bought KHC after it tanked. It was my first stock purchase in a company. I have a feeling my initial stock picking strategy will be "bottom feeder" but maybe I will get more sophisticated over time.
by Douglas
Sun Feb 17, 2019 2:18 pm
Forum: Money Questions
Topic: SWR milestone record
Replies: 269
Views: 142687

Re: SWR milestone record

month 23 was 2/1/2019

Image
by Douglas
Fri Jan 18, 2019 7:24 am
Forum: Lifestyle Questions
Topic: no more garbage pick up
Replies: 7
Views: 1555

Re: no more garbage pick up

We ended up changing to an on demand trash pick up and twice a month recycling. It's $10 / month for recycle and $4 for each trash pickup. I think this will get us down to maybe $11 / month. I think this is a good compromise between savings and convenience. Who knows they might have come after us fo...
by Douglas
Wed Jan 16, 2019 9:31 pm
Forum: Lifestyle Questions
Topic: no more garbage pick up
Replies: 7
Views: 1555

no more garbage pick up

Starting next month the plan is to cancel our garbage services which will save us $19/month. We barely produce any trash but we do need to find a place for our recycling, mostly cardboard and random plastic. All food scraps are compost. I'm thinking when we go on walks we'll get rid of a little tras...