$334 in car parts and $341 in expenses from last month's vacation caused April to be less than ideal with only a 48% savings rate.
Note that I updated the third chart below to now include both the existing "Theoretical Investment Income" line (total amount invested * 4% SWR) as well as a line representing the total of both my theoretical investment income and my actual internet income for the month. With the investment income included I'm at about $1000 per month in passive income. I don't want to start counting chickens before they've hatched but it's fun to think I'm only $500 away from FI in a month with low spending and high internet income (they both bounce around). It's just something I was curious about, not a change in plans.
I've been thinking about putting some money in a CD or similar. Right now I have about $11,000 in savings that is not producing interest. It's part of about $31,000 I have saved for a downpayment on a house (someday). I'm planning to increase that $31,000 to $40,000 and then stop saving cash. $20,000 of my downpayment savings earns 2% interest in checking but I'd like to make sure the other $11,000 to $20,000 is being at least a little productive without risking it in the market. Any recommendations?
Expenses
Alcohol & Bars 10.22
Auto & Transport 335.43 (car parts)
Business Services 43.14
Gift 12.4
Groceries 234.64
Gym 51.7
Home Improvement 5.53
Internet 28.56
Laundry 20
Mortgage & Rent 1020
Pharmacy 6.32
Restaurants 15.26
Travel 341 (expenses from March vacation that came due in April)
Total -FI 2124.2
Income
Paycheck 2454.96
Amazon 82.11
Google 151.17
CafePress 31.15
Checking 18.81
457b 1384.6
Total +FI 4122.8
Savings 1998.6
% Spent 52%
% Saved 48%
SWR 13%
SWR with Internet Income 12%
Years Remaining 20.6
Years Remaining with Interest 9
You have to leave the city of your comfort and go into the wilderness of your intuition. What you'll discover will be wonderful. What you'll discover will be yourself.
Alan Alda
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