SWR milestone record

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2Birds1Stone
Posts: 1596
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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%

6/1/2020 - 2.52%

Getting spending down to ~1.64 x JAFI has been very helpful in bringing this down.

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Egg
Posts: 250
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Re: SWR milestone record

Post by Egg »

duplicate
Last edited by Egg on Wed Sep 30, 2020 3:44 pm, edited 1 time in total.

classical_Liberal
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Re: SWR milestone record

Post by classical_Liberal »

classical_Liberal wrote:
Thu Mar 12, 2020 8:37 pm
I was at 5.1%WR on 1/1/20. Now 5.8%.
4.3% Wild year!
Although some of this is from a full 12-months of semi-ER and reduced spending as a result.

2Birds1Stone
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Re: SWR milestone record

Post by 2Birds1Stone »

classical_Liberal wrote:
Sun Jun 07, 2020 1:28 pm
4.3% Wild year!
Although some of this is from a full 12-months of semi-ER and reduced spending as a result.
That's a way better reason than a larger pile of money.

classical_Liberal
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Re: SWR milestone record

Post by classical_Liberal »

@2B1S
Agreed. Not totally sure how it keeps happening though. I wish I was more confident it was permenant.

thedollar
Posts: 256
Joined: Tue Feb 21, 2017 4:07 am

Re: SWR milestone record

Post by thedollar »

2020 YTD: 0.82%

If I could stick with my budget I would be able to hit 0.5%

2Birds1Stone
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Re: SWR milestone record

Post by 2Birds1Stone »

@thedollar, you may have one of the lowest WR on this forum. Pretty sure Jacob is in the same ballpark. I can't even imsgine getting sub 1%. (Then again, said that about sub 3% when first discovering ERE).

rube
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Re: SWR milestone record

Post by rube »

@thedollar: Wooha, 0.82% and 0.5%! Very good.

We're at 3.6% ttm (not counting the one-time closing costs of the new house).

Future (say now till next 12 years): expenses will go up due to higher house expenses, kids college. But I expect NW will also still increase in the next few years so ouw SWR might stay about the same.

thedollar
Posts: 256
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Re: SWR milestone record

Post by thedollar »

@2Birds1Stone @rube

Obviously it's pretty safe, but I just want to clarify that it's not based on skills on my part in the sense that my expenses are currently around 3 x JAFIs (target spending is around 2 x JAFIs) for a single person. Also, just an observation, at this level it's really hard to gain 0.01 percentagepoints say from 0.50%->0.49%, and there are pretty much only 2 things that have an impact on the SWR; market developments and spending. Of those two spending is of course the only one that can be controlled - just to point out that spending is ridiculously important.

2Birds1Stone
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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%

7/1/2020 - 2.37%

@thedollar, totally get it re: spending. My WR% has been dropping like a rock since I left my job in September simply due to spending going lower month over month. It opened my eyes to how much easier it is to do that vs. accumulating more assets. Not to mention the resilience of being able to find just about any job to cover low expenses (even 2-3 JAFI's).

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Egg
Posts: 250
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Re: SWR milestone record

Post by Egg »

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:

26/07/2021 - 61.0%
Last edited by Egg on Mon Jul 26, 2021 9:24 am, edited 4 times in total.

2Birds1Stone
Posts: 1596
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%

8/1/2020 - 2.15%

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Lemur
Posts: 1612
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Location: USA

Re: SWR milestone record

Post by Lemur »

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]
08/06/2020 - 12.44% [$600,000 * 0.04 = $24,000 / $193,000]
12/02/2020 - 7.19% [$600,000 * 0.04 = $24,000 / $333,900]
01/01/2021 - 6.81% [$600,000 * 0.04 = $24,000 / $352,200]
07/03/2021 - 4.96% [$600,000 * 0.04 = $24,000 / $484,000]

Savings rate has been higher in recent months dues to decreased spending in food costs and 'other'. Still leaving at $600k expected as I need to prove several months of consistency first to feel confident enough to lower this.

Edit for Dec 2020: I'm including my Spouse's invested monies as part of the pool. Also market gains have been ridiculous from 08/06/2020 to 12/02/2020.

Overall impressed with the progression so far...
Last edited by Lemur on Sat Jul 03, 2021 10:01 am, edited 6 times in total.

2Birds1Stone
Posts: 1596
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%

9/1/2020 - 1.95% :shock:

thedollar
Posts: 256
Joined: Tue Feb 21, 2017 4:07 am

Re: SWR milestone record

Post by thedollar »

@2Birds1Stone

Awesome progress.

Is it mostly down to NW increase or slashing spending?

2Birds1Stone
Posts: 1596
Joined: Thu Nov 19, 2015 11:20 am
Location: Earth

Re: SWR milestone record

Post by 2Birds1Stone »

thedollar wrote:
Tue Sep 01, 2020 2:24 pm
Is it mostly down to NW increase or slashing spending?
Long term it's been a healthy combination of both. Since January 1 of 2020 the spending has dropped off a cliff.

Edited to add: I posted a long term TTM vs NW chart on the last page in response to an inquiry from Lemur.
Last edited by 2Birds1Stone on Tue Feb 09, 2021 5:06 am, edited 1 time in total.

2Birds1Stone
Posts: 1596
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%

10/1/2020 - 1.76%

2Birds1Stone
Posts: 1596
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%

11/1/2020 - 1.6%

davtheram12
Posts: 230
Joined: Mon May 28, 2018 6:02 pm

Re: SWR milestone record

Post by davtheram12 »

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%
11-09-20 - 7.1% (3.7% temporarily until I find a new job and return to original spending level)
05-18-21 - 5.7% (3.1 temporarily again since I just quit my job after 2 months of employment)
Last edited by davtheram12 on Tue May 18, 2021 11:02 pm, edited 1 time in total.

2Birds1Stone
Posts: 1596
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%

12/1/2020 - 1.4%

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