SWR milestone record

Ask your investment, budget, and other money related questions here
Seabourne
Posts: 30
Joined: Fri Jul 30, 2010 10:22 pm

Re: SWR milestone record

Post by Seabourne » Sun Jan 13, 2019 1:09 pm

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.

User avatar
cmonkey
Posts: 1704
Joined: Mon Apr 21, 2014 11:56 am

Re: SWR milestone record

Post by cmonkey » Sun Jan 13, 2019 2:36 pm

Seabourne wrote:
Sun Jan 13, 2019 1:09 pm
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.
Nice! What would your SWR be if you included your wife's savings?

Seabourne
Posts: 30
Joined: Fri Jul 30, 2010 10:22 pm

Re: SWR milestone record

Post by Seabourne » Sun Jan 13, 2019 2:43 pm

right around the 3.0% I believe.

Edit: I suppose I ought to clarify what I'm actually counting as well: my numbers exclude the condo (because it's not an investment property) and the expenses continue to include the mortgage payment. If I netted out the outstanding mortgage and the total investments and decreased the spending by the P+I, my 6/2018 WR would be about 3.2%. So, a couple of backstops/rounding conservative numbers involved.

2Birds1Stone
Posts: 474
Joined: Thu Nov 19, 2015 11:20 am

Re: SWR milestone record

Post by 2Birds1Stone » Thu Jan 31, 2019 11:15 am

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%

2/1/2019 - 3.88%

User avatar
cmonkey
Posts: 1704
Joined: Mon Apr 21, 2014 11:56 am

Re: SWR milestone record

Post by cmonkey » Fri Feb 08, 2019 3:34 pm

My SWR dropped from 4.89% to 3.46% today (*).




















* darn you Google Finance and your lying flakiness ... it's still fun to look at those numbers. :P

Post Reply