SWR milestone record

Ask your investment, budget, and other money related questions here
Hristo Botev
Posts: 681
Joined: Tue Jul 17, 2018 3:42 am

Re: SWR milestone record

Post by Hristo Botev »

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%)

2Birds1Stone
Posts: 1123
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%

10/1/2018 - 4.51

wolf
Posts: 1085
Joined: Fri Jan 06, 2017 5:09 pm
Location: Germany

Re: SWR milestone record

Post by wolf »

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 :)

prognastat
Posts: 997
Joined: Fri May 04, 2018 8:30 pm
Location: Texas
Contact:

Re: SWR milestone record

Post by prognastat »

@Wolf

Congrats, what is your goal? You must be getting pretty close.

wolf
Posts: 1085
Joined: Fri Jan 06, 2017 5:09 pm
Location: Germany

Re: SWR milestone record

Post by wolf »

my goal: <3% with a margin of safety of 100% (I would answer you today, but things could change. You never know)

User avatar
Bankai
Posts: 816
Joined: Fri Jul 25, 2014 5:28 am

Re: SWR milestone record

Post by Bankai »

@wolf - are you saying <1.5% then? What are you factoring in? Supporting more humans or just spending way more? Good job reaching 4%!

2Birds1Stone
Posts: 1123
Joined: Thu Nov 19, 2015 11:20 am
Location: Earth

Re: SWR milestone record

Post by 2Birds1Stone »

Congrats Wolf! Do you find it get's easier for the WR% to drop once you got to 4%?

Gilberto de Piento
Posts: 1533
Joined: Tue Nov 12, 2013 10:23 pm

Re: SWR milestone record

Post by Gilberto de Piento »

2Birds1Stone wrote:
Sat Nov 10, 2018 11:40 am
Do you find it get's easier for the WR% to drop once you got to 4%?
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=8112

2Birds1Stone
Posts: 1123
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%

11/1/2018 - 4.46%

OTCW
Posts: 430
Joined: Thu Mar 31, 2011 12:55 am

Re: SWR milestone record

Post by OTCW »

1.6%

TopHatFox
Posts: 2093
Joined: Thu Oct 17, 2013 10:07 pm
Location: FL; 25

Re: SWR milestone record

Post by TopHatFox »

7000/70000 = .10

Although since I'm living with the parents w/o rent, it's more like

3000/70000 = .036

:lol:

2Birds1Stone
Posts: 1123
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%

12/1/2018 - 4.29%

User avatar
Lemur
Posts: 747
Joined: Sun Jun 12, 2016 1:40 am

Re: SWR milestone record

Post by Lemur »

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.

cmonkey
Posts: 1791
Joined: Mon Apr 21, 2014 11:56 am

Re: SWR milestone record

Post by cmonkey »

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.

User avatar
Lemur
Posts: 747
Joined: Sun Jun 12, 2016 1:40 am

Re: SWR milestone record

Post by Lemur »

cmonkey wrote:
Wed Dec 05, 2018 2:06 pm
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.
Incredible progress cmonkey.

cmonkey
Posts: 1791
Joined: Mon Apr 21, 2014 11:56 am

Re: SWR milestone record

Post by cmonkey »

Lemur wrote:
Wed Dec 26, 2018 6:09 am
Incredible progress cmonkey.
Thanks! Mostly due to cutting expenses by about 30%.

However, currently back up to 5.47%.....

prognastat
Posts: 997
Joined: Fri May 04, 2018 8:30 pm
Location: Texas
Contact:

Re: SWR milestone record

Post by prognastat »

Well hopefully the market will start going back up in the near future.

thegreatvoid

Re: SWR milestone record

Post by thegreatvoid »

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.

2Birds1Stone
Posts: 1123
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%

This shit really works.......expenses dropped 28% this year, fuck you Mr. Stock Market.

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

Re: SWR milestone record

Post by Seabourne »

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.

Post Reply