SWR milestone record

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Fernweh
Posts: 1
Joined: Sat Jul 07, 2018 11:56 am

Re: SWR milestone record

Post by Fernweh » Wed Aug 01, 2018 10:26 am

1/1/2015 - 7.27%
1/1/2016 - 6.79%
1/1/2017 - 5.61%
1/1/2018 - 4.33%

8/1/2018 - 3.93%

Hristo Botev
Posts: 92
Joined: Tue Jul 17, 2018 3:42 am

Re: SWR milestone record

Post by Hristo Botev » Thu Aug 02, 2018 2:04 pm

2010: Six figures in debt (mostly student loans)
1/31/2016 (started tracking): 62.04% (155.52% excluding home equity and kids' 529 accounts)
2016 (avg mo. 2016 expenses*12/end of year NW #s): 43.34% (85.09%)
2017 (avg mo. 2017 expenses*12/end of year NW #s): 39.07% (76.29%)
7/31/2018 (July expenses*12/July NW #s): 26.07% (44.85%)

2Birds1Stone
Posts: 342
Joined: Thu Nov 19, 2015 11:20 am

Re: SWR milestone record

Post by 2Birds1Stone » Sat Sep 01, 2018 8:49 pm

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%

10/1/2018 - 4.51

wolf
Posts: 684
Joined: Fri Jan 06, 2017 5:09 pm
Location: Germany

Re: SWR milestone record

Post by wolf » Fri Nov 09, 2018 1:25 pm

3,8% (based on ultra low expenses of the last 12 months plus health insurance I'd have to pay if I RE, but without any margin of safety) Nevertheless :)

prognastat
Posts: 451
Joined: Fri May 04, 2018 8:30 pm
Location: Texas
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Re: SWR milestone record

Post by prognastat » Fri Nov 09, 2018 1:26 pm

@Wolf

Congrats, what is your goal? You must be getting pretty close.

wolf
Posts: 684
Joined: Fri Jan 06, 2017 5:09 pm
Location: Germany

Re: SWR milestone record

Post by wolf » Fri Nov 09, 2018 1:28 pm

my goal: <3% with a margin of safety of 100% (I would answer you today, but things could change. You never know)

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Bankai
Posts: 263
Joined: Fri Jul 25, 2014 5:28 am

Re: SWR milestone record

Post by Bankai » Sat Nov 10, 2018 3:59 am

@wolf - are you saying <1.5% then? What are you factoring in? Supporting more humans or just spending way more? Good job reaching 4%!

2Birds1Stone
Posts: 342
Joined: Thu Nov 19, 2015 11:20 am

Re: SWR milestone record

Post by 2Birds1Stone » Sat Nov 10, 2018 11:40 am

Congrats Wolf! Do you find it get's easier for the WR% to drop once you got to 4%?

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Gilberto de Piento
Posts: 1115
Joined: Tue Nov 12, 2013 10:23 pm

Re: SWR milestone record

Post by Gilberto de Piento » Wed Nov 14, 2018 9:11 pm

2Birds1Stone wrote:
Sat Nov 10, 2018 11:40 am
Do you find it get's easier for the WR% to drop once you got to 4%?
I'm not sure I understood all of it but there was a discussion about the relative difficulty of changes in WR at different points at viewtopic.php?t=8112

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