Early Retirement Extreme Forums

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%

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)

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).

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%

1/8/20 - 5%

Also 5%, 1/20/20

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

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%

@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

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%

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

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)

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

@egg
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.

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.

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

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%

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.

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%

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.