Thanks for the reply Bob.
I used excel to track. I'm an engineer, so it's second nature. I tried a few other programs, but found excel easy to customize to my exact situation.
Yes, debt less assets. More specifically, $645k house, $313k mortgage, and the rest in 401k (136k), brokerage account (10k, just started playing), 60k in vanguard account and $30k in a collector car. I didn't include my current vehicle as an asset though.
10 years is a moving target. I mentioned I only started tracking expenses 6 months ago, and that was in an effort to both reduce my spending and to get an annual cost of living number. I figure I'll need another year of tracking to know what I consistently spend on a monthly basis and I can look at how long I want to work based on that and figure out my FI number.
These are single numbers, I live on my own.
With regards to the mortgage, I've been considering a number of things. My house is face punch worthy, and I've been looking into downsizing. I'd like to move to a larger piece of land and smaller house. I figure I could buy land and build for around 450k, which would leave me with a much smaller mortgage, and still equity to invest. My only debate is commute. I have an easy commute now and this would require a longer one. I'm debating holding off on this until I stop working. Right now, I have 13 years left at 2.875%. I'd love to hear some more ideas on this.
Income has been good. I finished my MBA 2 years ago, and salary jumped from 158k in 2012, to 211k last year.