SWR milestone record

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ertyu
Posts: 600
Joined: Sun Nov 13, 2016 2:31 am

Re: SWR milestone record

Post by ertyu »

ertyu wrote:
Sat Nov 30, 2019 7:00 am
Dec '19: 4,78% WR, still working

May '20: 4,28% WR, hopefully not fired

May '21: 3,5% WR, Inshallah
I've been told I'm doing my calculations wrong.

Dec '19: 5,35%
May '20: 5%
May '21: 4%, Inshallaf

2Birds1Stone
Posts: 907
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: 72
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: 2796
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).

Egg
Posts: 148
Joined: Sat Oct 04, 2014 10:59 am

Re: SWR milestone record

Post by Egg »

01/09/2012 (starting work) - ~190%
01/04/2017 (pinnacle to date before buying house in cash) - 9.1%
01/01/2020 - 70.9%

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

Re: SWR milestone record

Post by vezkor »

1/8/20 - 5%

ertyu
Posts: 600
Joined: Sun Nov 13, 2016 2:31 am

Re: SWR milestone record

Post by ertyu »

Also 5%, 1/20/20

davtheram12
Posts: 57
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: 907
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.

User avatar
Lemur
Posts: 493
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: 907
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: 600
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

Egg
Posts: 148
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: 341
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: 1362
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: 31
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: 600
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: 907
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%

I briefly crossed below 3% in the 2nd and 3rd weeks of February when my portfolio hit its high water mark and then dropped shot back up in March. Spending is at all time historical lows, so I think there is still progress to be made despite complete lack of income now.

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