Update.
Garden
Planting is complete. I acquired a bulk of the trees "used" via Gumtree, as relatively mature plants. If all plants are bearing fruit, harvest schedule should be as follows:
Spring:
Sep - Kumquat, Lemon, Ruhbarb, Keriberry, Jerusalemn artichoke
Oct - Artichoke, Kumquat, Lemon, Loquat, Ruhbarb, Kiwiberry, Keriberry, Strawberry
Nov - Passionfruit, Artichoke, Kumquat, Babaco, Lemon, Loquat, Ruhbarb, Kiwiberry, Loganberry, Raspberry, Strawberry, Avocado
Summer:
Dec - Passionfruit, Artichoke, Kumquat, Babaco, Pepino, Blueberry, Ruhbarb, Kiwiberry, Loganberry, Blackberry, Raspberry, Strawberry,
Mulberry, Avocado, Redcurrant, Cherry
Jan- Passionfruit, Babaco, Pepino, Midyimberry, Blueberry, Ruhbarb
Loganberry, Blackberry, Raspberry, Strawberry, Chili, Figs, Mulberry, Dragonfruit, Plum, Avocado, Cherry, Gooseberries,
Peach, Nectarine
Feb - Passionfruit, Babaco, Pepino, Midyimberry, Cape Gooseberry, Ruhbarb, Blackberry, Raspberry, Strawberry, Chili, Figs, Feijoa Pineapple Guava, Choko, Dragonfruit, Grape, Plum, Avocado, Gooseberries, Peach, Nectarine, Apple
Autumn:
Mar - Pomegranate, Passionfruit, Quince, Babaco, Pepino, Midyimberry, Lemon, Cape Gooseberry, Lime, Ruhbarb, Raspberry, Strawberry, Chili, Ugni Chilean Guava, Figs, Feijoa Pineapple Guava, Choko, Dragonfruit, Grape, Pear Williams, Peach, Nectarine, Apple
Apr - Pomegranate, Passionfruit, Quince, Pepino, Midyimberry, Lemon, Mandarin, Cape Gooseberry, Lime, Ruhbarb, Keriberry, Raspberry, Strawberry, Chili, Ugni Chilean Guava, Figs, Feijoa Pineapple Guava, Choko, Grape, Pear Williams, Guava, Apple
May - Passionfruit, Persimmon, Quince, Kumquat, Lemon, Mandarin, Cape Gooseberry, Lime, Ruhbarb, Keriberry, Raspberry, Ugni Chilean Guava, Choko, Avocado, Guava
Winter:
Jun - Tamarillo, Pomegranate, Persimmon, Kumquat, Lemon, Cape Gooseberry, Lime, Keriberry, Raspberry, Ugni Chilean Guava, Choko, Avocado, Guava
Jul - Tamarillo, Kumquat, Lemon, Lime, Keriberry, Jerusalemn artichoke, Avocado
Aug - Kumquat, Lemon, Ruhbarb, Keriberry, Jerusalemn artichoke
Many of my plants should do reasonably well in drought. I also planted a privacy screening from the lovely neighbours in my suburban lot: edible bamboo, 6 meters tall.
Financials
Stock portfolio
15% - continuing to DCA. Added ASX:ARG. I saw a black swan by the lake on my walk to work today, let’s hope it’s a good sign that stock will go on sale soon
Loan offset
12% - waiting for bonus to catch up
Cash base
41% - unchanged. The crux with receiving bi-annual dividends is that the coverage percentage will probably only jump up in September.
I sowed some grass a couple weeks ago. Watching grass grow at times seems to be faster than watching my financial progress.
My (individual, including home equity) net worth as % of the 2018 median wealth per adult in Australia:
2019 353%
2012 63%
2011 42%
2010 26%
2009 13%
I discovered ERE/FIRE in February 2011, when I was doing
negative geoarbitrage, working in a low income country for nearly three years on a
local salary Most of the net worth progress happened after I landed a job in Oz and had the knowledge to optimise in a high pay / high COL country. Also, I’m not really looking at SWR, but at passive income. As per my chart I’m 41% there.
Though it’s a marathon and not a race (I currently work part-time + due to my family circumstances it’s more of a Fat FIRE project), I’m quite happy with my financial progress so far
Note: edited for more anonymity