SWR milestone record

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2Birds1Stone
Posts: 1045
Joined: Thu Nov 19, 2015 11:20 am
Location: Earth

Re: SWR milestone record

Post by 2Birds1Stone »

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%
1/1/2020 - 3.2%

Mae
Posts: 73
Joined: Wed Dec 27, 2017 3:44 am
Location: Belgium (Western Europe)

Re: SWR milestone record

Post by Mae »

01/01/2020 - 11.54%

For the whole family (FrugalPatat, myself and other animals that, afaik, are not paying rent or contributing any other way, damn bastards)

IlliniDave
Posts: 2959
Joined: Wed Apr 02, 2014 7:46 pm

Re: SWR milestone record

Post by IlliniDave »

This isn't exact, need to refine it some but my "until age 70" number is about 1.6% and my "until age 80" number is about 0.8% (I think).

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Egg
Posts: 187
Joined: Sat Oct 04, 2014 10:59 am

Re: SWR milestone record

Post by Egg »

Historical:

01/09/2012 (starting work) - ~190%
01/04/2013 - 109%
01/04/2017 (pinnacle to date before buying house in cash) - 9.1%
01/04/2020 - 67.8%


Latest:

01/05/2020 - 58.3%
Last edited by Egg on Sun May 10, 2020 4:06 am, edited 2 times in total.

vezkor
Posts: 103
Joined: Tue Mar 22, 2016 9:51 am

Re: SWR milestone record

Post by vezkor »

1/8/20 - 5%

ertyu
Posts: 941
Joined: Sun Nov 13, 2016 2:31 am

Re: SWR milestone record

Post by ertyu »

Also 5%, 1/20/20

davtheram12
Posts: 62
Joined: Mon May 28, 2018 6:02 pm

Re: SWR milestone record

Post by davtheram12 »

10-04-16 - 235% :oops: (discovering ERE)
10-04-17 - 36%
10-04-18 - 13.9%
10-04-19 - 11.2%
01-29-20 - 9.3% :)

2Birds1Stone
Posts: 1045
Joined: Thu Nov 19, 2015 11:20 am
Location: Earth

Re: SWR milestone record

Post by 2Birds1Stone »

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%
1/1/2020 - 3.2%

2/1/2020 - 3.14%
Last edited by 2Birds1Stone on Sun Apr 05, 2020 12:15 am, edited 2 times in total.

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Lemur
Posts: 622
Joined: Sun Jun 12, 2016 1:40 am

Re: SWR milestone record

Post by Lemur »

@2Birds1Stone

I'm going to guess your savings rate was in the 55-60% range that whole time or did you gradually reduce expenses throughout the years? Nice progress btw

2Birds1Stone
Posts: 1045
Joined: Thu Nov 19, 2015 11:20 am
Location: Earth

Re: SWR milestone record

Post by 2Birds1Stone »

Hey Lemur.

I have data going back quite a bit.

2011 - 28%
2012 - 22%
2013 - 41%
2014 - 45%
2015 - 76%
2016 - 80%
2017 - 77%
2018 - 82%
2019 - 83%

Image

ertyu
Posts: 941
Joined: Sun Nov 13, 2016 2:31 am

Re: SWR milestone record

Post by ertyu »

Windfall. Parents sold inherited property and split the proceeds between me + siblings. 25x JAFI. Now waiting for SPY to correct to 170 :D

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Egg
Posts: 187
Joined: Sat Oct 04, 2014 10:59 am

Re: SWR milestone record

Post by Egg »

Egg wrote:
Wed Jan 08, 2020 9:50 am
01/09/2012 (starting work) - ~190%
01/04/2017 (pinnacle to date before buying house in cash) - 9.1%
01/01/2020 - 70.9%
Things got a little quiet now the market's falling ;)

(Because my SWR was so high anyway, it has remained pretty much static - 70.3% - but not really a good thing. Just shows how little I had saved in the first place)

Laura Ingalls
Posts: 365
Joined: Mon Jun 25, 2012 3:13 am

Re: SWR milestone record

Post by Laura Ingalls »

Ours has gone from about 3.45% a month ago to 4.1 % presently. 😠

classical_Liberal
Posts: 1677
Joined: Sun Mar 20, 2016 6:05 am

Re: SWR milestone record

Post by classical_Liberal »

@egg
:lol: so true!

I was at 5.1%WR on 1/1/20. Now 5.8%.

If I had sold all my holdings 1/1/19 and stayed in cash equivalents, earning just a few K in interest over the past 15 months, today would be the day that I'm about even.

nomadscientist
Posts: 178
Joined: Fri Mar 13, 2020 12:54 am

Re: SWR milestone record

Post by nomadscientist »

Based on my actual 2019 spending and 1st Jan 2020 networth... 18.1%.

Not good! This is basically an overspend issue rather than low networth issue. 1st Jan 2020 assets with 2013 spending... 7.7%.

I'm still conventionally employed, and want to reduce the implicit WR significantly by 1st Jan 2021 primarily by decreasing spending.

ertyu
Posts: 941
Joined: Sun Nov 13, 2016 2:31 am

Re: SWR milestone record

Post by ertyu »

3.8% at 1JAFI
I don't have money to fart but seeing a 3.8 makes me feel good so

2Birds1Stone
Posts: 1045
Joined: Thu Nov 19, 2015 11:20 am
Location: Earth

Re: SWR milestone record

Post by 2Birds1Stone »

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%
1/1/2020 - 3.2%

4/1/2020 - 3.1%
Last edited by 2Birds1Stone on Thu Apr 30, 2020 11:27 pm, edited 2 times in total.

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Lemur
Posts: 622
Joined: Sun Jun 12, 2016 1:40 am

Re: SWR milestone record

Post by Lemur »

12/01/2018 - 32.97% [$750,000 * 0.04 = $30,000 / $91,000]
04/30/2019 - 20.34% [$600,000 * 0.04 = $24,000 / $118,000]
05/22/2019 - 17.78% [$600,000 * 0.04 = $24,000 / $135,000]
11/12/2019 - 16.90% [$600,000 * 0.04 = $24,000 / $142,000]
04/30/2020 - 15.21% [$600,000 * 0.04 = $24,000 / $157,800]

Hoping to have investments up to $200,000k by end of year but learned with recent virus market rout this isn't so predictable (My whole adult life was in a bull run). So really....if I want to make significant SWR progress, I need to up a Wheaton level.

2Birds1Stone
Posts: 1045
Joined: Thu Nov 19, 2015 11:20 am
Location: Earth

Re: SWR milestone record

Post by 2Birds1Stone »

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%
1/1/2020 - 3.2%

5/1/2020 - 2.77%
Last edited by 2Birds1Stone on Sat May 30, 2020 2:29 am, edited 2 times in total.

slsdly
Posts: 327
Joined: Thu Mar 14, 2013 1:04 am

Re: SWR milestone record

Post by slsdly »

I'm sitting around 3% at current expenses including taxes and fees. Long journey since fall 2012. Still employed. No immediate plans for a change, although with COVID, it may come on its own. New top financial goal is to create alternative sources of revenue besides employment and investments.

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