SWR milestone record

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ertyu
Posts: 2456
Joined: Sun Nov 13, 2016 2:31 am

Re: SWR milestone record

Post by ertyu »

Went to look at job ads for my home town; a casino dealer's starting salary would represent a 4.46% withdrawal rate on my current savings.

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unemployable
Posts: 918
Joined: Mon Jan 08, 2018 11:36 am
Location: Homeless

Re: SWR milestone record

Post by unemployable »

I drew down $2119 in "principal" in 2022. This is to say, proceeds from selling assets that were used to pay expenses rather than be redeployed into other assets. It does not include dividend or rental income, nor does it include income that was reinvested into the same security (in my case, bond interest and dividends in retirement accounts).

So that's a "drawdown rate" of 0.3%.

I think a true "withdrawal rate" should include investment income not reinvested. Adding that back in I get about 1.6%. Adding back rental income (sublet, so not really an investment) gets me to about 2.1%. Maybe I'll do the math to the exact dollar if I'm bored.

One 2023 financial goal is to get that drawdown rate, the 0.3 figure, to zero.

DutchGirl
Posts: 1480
Joined: Tue Sep 06, 2011 1:49 pm
Location: The Netherlands

Re: SWR milestone record

Post by DutchGirl »

ertyu wrote:
Mon Jan 02, 2023 7:34 pm
Went to look at job ads for my home town; a casino dealer's starting salary would represent a 4.46% withdrawal rate on my current savings.
You mean you could DealerFIRE?

:lol:

WFJ
Posts: 399
Joined: Sat Apr 24, 2021 11:32 am

Re: SWR milestone record

Post by WFJ »

WFJ wrote:
Tue May 18, 2021 1:18 pm
Rough estimates below and biased to the high side.

6/1/2016 2.5%
1/1/2018 1.5%
1/1/2019 2.5%
1/1/2020 1.0%
1/1/2021 0.8%
1/1/2022 0.6%
1/31/2023 0.75% (investments down 6% expenses up, mostly rent)

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Viktor K
Posts: 610
Joined: Sat Jul 30, 2016 9:45 pm

Re: SWR milestone record

Post by Viktor K »

1/1/2021 - 301.7%
6/6/2021 - 128.7%
1/5/2022 - 42.8%
6/1/2022 - 27.9%
1/1/2023 - 20.5%

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Lemur
Posts: 1470
Joined: Sun Jun 12, 2016 1:40 am
Location: USA

Re: SWR milestone record

Post by Lemur »

Lemur wrote:
Thu Aug 06, 2020 4:04 am
12/01/2018 - 32.97% [$30,000 / $91,000]
04/30/2019 - 20.34% [$24,000 / $118,000]
05/22/2019 - 17.78% [$24,000 / $135,000]
11/12/2019 - 16.90% [$24,000 / $142,000]
04/30/2020 - 15.21% [$24,000 / $157,800]
08/06/2020 - 12.44% [$24,000 / $193,000]
12/02/2020 - 7.19% [$24,000 / $333,900]
01/01/2021 - 6.81% [$24,000 / $352,200]
07/03/2021 - 4.96% [$24,000 / $484,000]
02/04/2023 - 4.84% [$28,000 / $578,000]
Estimated Annualized Spending / Total Market Value of Investments.

Notes - I used my actual January 2023 spending and annualized it and rounded up to the nearest ten thousand for the 02/04/2023 estimate. Previous estimated spending were just ballpark estimates of where I hoped we'd be at. But reality is different. But good news is, not too far off from actual spending. Considering the inflation hasn't impacted us that much.

Think I'll update in 6 months and see where we're at.

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