Author Topic: I just bought 2 days per year of free life, indefinitely. 363 to go.  (Read 194854 times)

DadJokes

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #500 on: February 13, 2020, 06:13:20 AM »

As of 12/31/2019 / 34 days aka February 3 /
At current expense level each day costs $4692

As of 1/30/2020 / 51 days aka February 20 /
At current expense level each day costs $4692

You went up by 17 days in a month? That looks like an $80k increase.

zee dot

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #501 on: February 13, 2020, 08:06:10 AM »
Correct.  Annual bonus plus two pay periods reflect a raise paired with almost no spending in January. 

haypug16

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #502 on: February 17, 2020, 02:39:13 PM »
April 13th 2018 = 23 days
April 30th 2019 = 32 days
December 31st 2019 = 38 days
February 11th 2020 = 42 days - 18 more days to hit my year end goal.


Goal for next 10 years
2020 - 60 days
2021 - 90
2022 - 120
2023 - 150
2024 - 180
2025 - 210
2026 - 240
2027 - 270
2028 - 300
2029 - 330
2030 - 365
« Last Edit: August 04, 2020, 05:59:25 AM by haypug16 »

Imma

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I jumped to 4.17 days this month! From 3.83 last month. Should hit 5 in by the end of summer!

Reached 5 today! Will hopefully reach 6 before the end of the year.

Am at 6.1 right now. Should hit 7 by summer. Progress is slow but steady.

7.05!!!!!

Reaching a full week feels really big. I get paid weekly so from now on there's one extra payday per year and it goes straight to the stash. Should reach 8 by the end of summer, but it might be earlier. I'm really starting to feel the compounding effect, I've been seriously investing for 4 years now.

8! Should be at 9 by the end of the year. Next year, one line in my budget will disappear and the money gained from this will go directly to the stash. My goal is to be at 9 days by the end of 2019 and at 14 by the end of 2020.

9,1! Should hit 10 by March and 14 by the end of 2020.

Already at 10.16, the stock market is really helping me along. Should be at 11 in late March. End of year goal is still 14 days.

At 10,01 now! Not too bad actually, considering the circumstances.

gaja

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #504 on: June 02, 2020, 03:38:44 PM »
January 2020: January 5th
February 2020: January 6th
March: January 6th
April: January 7th
May: January 8th

Started on second week!

« Last Edit: June 04, 2020, 12:00:06 PM by gaja »

Jaayse

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #505 on: June 02, 2020, 08:08:09 PM »
2017
April 14 - 66.9
July 24 - 72.32
October 1 - 85.18
November 1 - 89.49
December 1 - 91.60

2018
January 1 - 94.16
February 1 - 99.53
March 1 - 98.25
April 1 - 99.81
May 1 - 129.12
June 1 - 133.36
July 1 - 138.76
August 1 - 143.95
September 1 - 148.73
October 1 - 151.87
November 1 - 146.53
December 1 - 150.11

2019
January 1 - 144.60
February 1 - 155.47
March 1 - 160.02
April 1 - 163.63
May 1 - 170.82
June 1 - 166.11
July 1 - 176.81
August 1 - 179.72
September 1 - 178.89
October 1 - 183.41
November 1 - 189.27
December 1 - 195.86

2020
January 1 - 202.81
February 1 - 203.69
March 1 - 192.91
April 1  - 174.02
May 1 - 192.3
June 1 - 202.88
July 1 - 209.41

Moving forward again!
« Last Edit: July 02, 2020, 07:12:06 PM by Jaayse »

zee dot

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #506 on: July 03, 2020, 08:55:42 AM »
https://engaging-data.com/freedom-calculator/

As of 1/30/2020 / 51 days aka February 20 /
At current expense level each day costs $4692

As of 6/30/2020 / 57 days aka February 26
At current expenses level each day costs $4692

Imma

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #507 on: July 03, 2020, 11:12:36 AM »
I jumped to 4.17 days this month! From 3.83 last month. Should hit 5 in by the end of summer!

Reached 5 today! Will hopefully reach 6 before the end of the year.

Am at 6.1 right now. Should hit 7 by summer. Progress is slow but steady.

7.05!!!!!

Reaching a full week feels really big. I get paid weekly so from now on there's one extra payday per year and it goes straight to the stash. Should reach 8 by the end of summer, but it might be earlier. I'm really starting to feel the compounding effect, I've been seriously investing for 4 years now.

8! Should be at 9 by the end of the year. Next year, one line in my budget will disappear and the money gained from this will go directly to the stash. My goal is to be at 9 days by the end of 2019 and at 14 by the end of 2020.

9,1! Should hit 10 by March and 14 by the end of 2020.

Already at 10.16, the stock market is really helping me along. Should be at 11 in late March. End of year goal is still 14 days.

At 10,01 now! Not too bad actually, considering the circumstances.

Less than 2 months later I'm at 11,20! Don't want to make any predictions but 14 days by EOY doesn't seem out of reach right now.

Assetup

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #508 on: July 07, 2020, 09:11:27 AM »
35 days in February up to 51 days now.  I think I can get to 75 days by eoy but I guess time will tell.  It's weird having enough money to really feel the market swings now but I love buying shares when there is a sale!

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gaja

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #509 on: July 07, 2020, 09:19:41 AM »
January 2020: January 5th
February 2020: January 6th
March: January 6th
April: January 7th
May: January 8th
June: January 8th

Almost at 9, but not quite.

haypug16

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #510 on: August 04, 2020, 06:05:43 AM »
April 13th 2018 = 23 days
April 30th 2019 = 32 days
December 31st 2019 = 38 days
February 11th 2020 = 42 days
August 4th 2020 = 42 days - went up and down over the past few months. 18 more days to reach my goal for the year. That's about $30k, not too likely I would need major help from the market on that. I can see getting to about 50 days.

Goal for next 10 years
2020 - 60 days
2021 - 90
2022 - 120
2023 - 150
2024 - 180
2025 - 210
2026 - 240
2027 - 270
2028 - 300
2029 - 330
2030 - 365

zeli2033

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #511 on: August 04, 2020, 10:51:35 PM »
1/2018: January 13
4/2018: January 18
7/2018: January 22
10/2018: January 29
1/2019: January 31
6/2019: February 8
10/2019: February 19
1/2020: February 28
7/2020: March 14

2Birds1Stone

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #512 on: August 05, 2020, 12:00:52 AM »
170 down, 195 to go!

How the tides have turned!

195 down, 170 to go!

210 down, 155 to go!

223 down, 142 to go :)

228 Down, 137 to go!

270 down, 95 to go!

275 down, 90 to go!

365 Days Down, 0 to go!

Anticlimactic!

410 Days! Rolling 12 month spending dropped, portfolio went up.

715 Days! Truly amazing what lowered expenses does to these calculations ;)

zee dot

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #513 on: August 09, 2020, 04:38:33 PM »
https://engaging-data.com/freedom-calculator/

As of 1/30/2020 / 51 days aka February 20
At current expense level each day costs $4692

As of 6/30/2020 / 57 days aka February 26
At current expenses level each day costs $4692

As of 7/31/2020 / 61 days aka March 2
At current expenses level each day costs $4692

Dicey

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #514 on: August 09, 2020, 09:52:50 PM »
https://engaging-data.com/freedom-calculator/

As of 1/30/2020 / 51 days aka February 20
At current expense level each day costs $4692

As of 6/30/2020 / 57 days aka February 26
At current expenses level each day costs $4692

As of 7/31/2020 / 61 days aka March 2
At current expenses level each day costs $4692
Your expenses have stayed the same all year? Not being critical, just curious.

zee dot

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #515 on: August 10, 2020, 04:31:38 AM »
Hi Dicey. I'm using a projected number for what I think my expenses will be when I retire. 

Assetup

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #516 on: August 11, 2020, 08:04:42 AM »
Up to 56.89 days and gaining about ~6 days per month.  I hope we can keep that rate up!

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YarnBudget

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #517 on: August 12, 2020, 01:02:18 PM »
Finally posting in this thread. It's been slow going, but I just realized I've finally crossed into February! I officially own all of my own time every January!

I've now added dates to my net worth projection spreadsheet. Hoping to earn one more week before the end of the year, but we'll see what happens.

LeftA

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #518 on: August 12, 2020, 02:43:03 PM »
Iím now on day 145 / May 25th.

haypug16

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #519 on: August 17, 2020, 11:06:09 AM »
April 13th 2018 = 23 days
April 30th 2019 = 32 days
December 31st 2019 = 38 days
February 11th 2020 = 42 days
August 4th 2020 = 42 days
August 17th 2020 = 44 days

Had a good couple weeks :)

Blissful Biker

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #520 on: August 17, 2020, 12:36:42 PM »


Progress feels slow some days, but we're getting there.

UnleashHell

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #521 on: August 17, 2020, 12:54:40 PM »
292 days.....

Bird In Hand

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #522 on: August 17, 2020, 01:49:11 PM »
Oct 2017: 234 days (through August 22nd each year)
Jan 2018: 258 days (through Sep 15th each year)
Aug 2018: 273 days (through Sep 30th each year)
Feb 2019: 273 days (through Sep 30th each year)
Nov 2019: 300 days (through Oct 27th each year)
Jan 2020: 313 days (through Nov 9th each year)

Aug 2020: 341 days (through Dec 7th each year)

We gained 28 days since Jan, despite the zig-zagging market these past 6 months or so.   Shoot, if this keeps up without a correction, we're going to be entering the OMY phase sooner than I expected.

ducky19

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #523 on: August 18, 2020, 08:35:50 AM »
Does anyone else factor in rental income? I currently have just over $400k in various retirement accounts, but we also own two rental properties that generate $12,000 annually after expenses now, will be $15,000 after the second one is paid off. I consider this as similar to an annuity of $300,000 ($375,000 once both are paid) at 4%, which would bring my total to around $700k. I have also thought about it as reducing my set expenses by $1,000/mo. Anyone have a preferred method? I don't know that one is more accurate than the other... Thoughts?

Jaayse

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #524 on: September 01, 2020, 05:06:59 PM »
2017
April 14 - 66.9
July 24 - 72.32
October 1 - 85.18
November 1 - 89.49
December 1 - 91.60

2018
January 1 - 94.16
February 1 - 99.53
March 1 - 98.25
April 1 - 99.81
May 1 - 129.12
June 1 - 133.36
July 1 - 138.76
August 1 - 143.95
September 1 - 148.73
October 1 - 151.87
November 1 - 146.53
December 1 - 150.11

2019
January 1 - 144.60
February 1 - 155.47
March 1 - 160.02
April 1 - 163.63
May 1 - 170.82
June 1 - 166.11
July 1 - 176.81
August 1 - 179.72
September 1 - 178.89
October 1 - 183.41
November 1 - 189.27
December 1 - 195.86

2020
January 1 - 202.81
February 1 - 203.69
March 1 - 192.91
April 1  - 174.02
May 1 - 192.3
June 1 - 202.88
July 1 - 209.41
August 1 - 220.82
September 1 - 235.14

Big gains these past few months almost puts me back on track.  I'm at August 23, so I'm nearing 2/3 of a year!

WhiteTrashCash

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #525 on: September 03, 2020, 06:55:11 PM »
Just reached October 27th. Wow, this has taken much less time than I thought it would.

ChickenStash

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #526 on: September 06, 2020, 11:52:57 AM »
I'm 117 days in.

Now at 127 days. Making progress.

Assetup

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #527 on: September 09, 2020, 03:03:44 PM »
Up to 56.89 days and gaining about ~6 days per month.  I hope we can keep that rate up!

Sent from my moto g(6) plus using Tapatalk
Wow what a good month (looking at snapshot from September 1).  We gained 7.35 days and are now sitting at 64.25 days.

It was a pretty average month for savings but the market decided to do a lot more lifting for us.

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gaja

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #528 on: October 04, 2020, 03:13:45 PM »
January 2020: January 5th
February 2020: January 6th
March: January 6th
April: January 7th
May: January 8th
June: January 8th
July: January 9th
August: January 10th
September: January 11th

Slow and steady growth the last few months.

Imma

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #529 on: November 16, 2020, 09:37:08 AM »
I jumped to 4.17 days this month! From 3.83 last month. Should hit 5 in by the end of summer!

Reached 5 today! Will hopefully reach 6 before the end of the year.

Am at 6.1 right now. Should hit 7 by summer. Progress is slow but steady.

7.05!!!!!

Reaching a full week feels really big. I get paid weekly so from now on there's one extra payday per year and it goes straight to the stash. Should reach 8 by the end of summer, but it might be earlier. I'm really starting to feel the compounding effect, I've been seriously investing for 4 years now.

8! Should be at 9 by the end of the year. Next year, one line in my budget will disappear and the money gained from this will go directly to the stash. My goal is to be at 9 days by the end of 2019 and at 14 by the end of 2020.

9,1! Should hit 10 by March and 14 by the end of 2020.

Already at 10.16, the stock market is really helping me along. Should be at 11 in late March. End of year goal is still 14 days.

At 10,01 now! Not too bad actually, considering the circumstances.

Less than 2 months later I'm at 11,20! Don't want to make any predictions but 14 days by EOY doesn't seem out of reach right now.

I am totally on track for 14 days by EOY! I'm at 13,8 now.

Anette

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #530 on: November 17, 2020, 01:28:43 PM »
Congratulations Imma!
We are also slowly inching forward.

urover

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #531 on: November 20, 2020, 10:22:22 AM »
My current expenses are 36000/year (high because of city living). But, assuming same expenses post-FIRE and 7% ROI, I need 1650$ per freedom-day. So far:

59 days down.
306 days to go.

68 days down.
297 days to go.
70 days down.
295 days to go.
72 days down.
293 days to go.
91 days down.
274 days to go.
106 days down
259 days to go. Feeling like there still is a mountain to climb. Made some shitty progress.
118 days down
247 days to go. Reaching my tolerance point with I.T job and only making slow progress here.
146 days down. 219 to go.
152 days down. 213 days to go.
172 days down. 193 to go.

Jaayse

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #532 on: December 02, 2020, 12:05:44 AM »
2017
December 1 - 91.60

2018
December 1 - 150.11

2019
December 1 - 195.86

2020
January 1 - 202.81
February 1 - 203.69
March 1 - 192.91
April 1  - 174.02
May 1 - 192.3
June 1 - 202.88
July 1 - 209.41
August 1 - 220.82
September 1 - 235.14
October 1 - 230.71
November 1 - 228.28
December 1 - 256.54

I'm paring down the numbers showing so my posts are not too long.  I'm surprisingly way ahead of where I thought I would be.  I figured I would be at this point around a year from now when I last predicted things back in December 2018.  I'm excited to see if I can get to minimum FI sometime in the next two years.  I'm using 36k at 4% as my minimum FI for tracking (900k), and aiming for around a 3.5% withdrawal of 40k for my final FI numbers (so 50k at 4% or 1.25M).

Imma

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #533 on: December 02, 2020, 01:49:00 AM »
I jumped to 4.17 days this month! From 3.83 last month. Should hit 5 in by the end of summer!

Reached 5 today! Will hopefully reach 6 before the end of the year.

Am at 6.1 right now. Should hit 7 by summer. Progress is slow but steady.

7.05!!!!!

Reaching a full week feels really big. I get paid weekly so from now on there's one extra payday per year and it goes straight to the stash. Should reach 8 by the end of summer, but it might be earlier. I'm really starting to feel the compounding effect, I've been seriously investing for 4 years now.

8! Should be at 9 by the end of the year. Next year, one line in my budget will disappear and the money gained from this will go directly to the stash. My goal is to be at 9 days by the end of 2019 and at 14 by the end of 2020.

9,1! Should hit 10 by March and 14 by the end of 2020.

Already at 10.16, the stock market is really helping me along. Should be at 11 in late March. End of year goal is still 14 days.

At 10,01 now! Not too bad actually, considering the circumstances.

Less than 2 months later I'm at 11,20! Don't want to make any predictions but 14 days by EOY doesn't seem out of reach right now.

I am totally on track for 14 days by EOY! I'm at 13,8 now.

Aaaand I'm at 14,25 with one month left to go. It's going so fast now.

My goal for EOY 2021 was 21 days, but I'm going to make that 23 and see what happens.

UnleashHell

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #534 on: December 02, 2020, 09:37:11 AM »
292 days.....

320 days.. thats 10 1/2 months...

haypug16

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #535 on: December 08, 2020, 08:52:36 AM »
April 13th 2018 = 23 days
April 30th 2019 = 32 days
December 31st 2019 = 38 days
February 11th 2020 = 42 days
August 4th 2020 = 42 days
August 17th 2020 = 44 days
December 8th 2020 = 51 days!

That's a big jump. I am tempted to recheck my calculations but for the time being I will just enjoy the fact that I have nearly 2 months bought.

Assetup

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #536 on: December 08, 2020, 11:53:26 AM »
This is one of my favorite threads to read.  Good job on all the progress everyone! 

We had our best month and managed to add over 10 days. We are now at 78 days! If only we could continually gain 10 days a month.

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v8rx7guy

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #537 on: December 08, 2020, 12:17:29 PM »
Just made it up to my birthday (April 19)!

Arbitrage

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #538 on: December 17, 2020, 07:45:35 PM »
Haven't updated this in a while, but...

December 15, 2020 - 365 days
December 17, 2020 - 369 days

dandarc

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #539 on: December 17, 2020, 08:31:40 PM »
Woo FI @Arbitrage!

Arbitrage

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #540 on: December 18, 2020, 07:44:41 AM »
Woo FI @Arbitrage!

Thanks!  My numbers are contingent upon moving to an area that's a bit cheaper (though it's still not cheap) - @v8rx7guy's town, in fact.  Got a bunch of work to do to make that move happen, but I'm still excited to cross the threshold - for the first time, anyhow.

v8rx7guy

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #541 on: December 21, 2020, 08:38:49 AM »
Woo FI @Arbitrage!

Thanks!  My numbers are contingent upon moving to an area that's a bit cheaper (though it's still not cheap) - @v8rx7guy's town, in fact.  Got a bunch of work to do to make that move happen, but I'm still excited to cross the threshold - for the first time, anyhow.

It's a great place to live!

tj

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #542 on: December 26, 2020, 11:38:59 AM »
Woo FI @Arbitrage!

Thanks!  My numbers are contingent upon moving to an area that's a bit cheaper (though it's still not cheap) - @v8rx7guy's town, in fact.  Got a bunch of work to do to make that move happen, but I'm still excited to cross the threshold - for the first time, anyhow.

Why Bellingham?

tj

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #543 on: December 26, 2020, 12:06:10 PM »
How are ya'll coming up with a figure for your annual expenses in retirement?

Weisass

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #544 on: December 27, 2020, 07:51:49 PM »
Took a stab at the calculator that was linked earlier in this thread and was pleasantly surprised-- we have made it to May 11, 131 days, and that with spending that I would describe as less than ideal. It can only get better, then!

Imma

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #545 on: December 28, 2020, 09:35:48 AM »
I jumped to 4.17 days this month! From 3.83 last month. Should hit 5 in by the end of summer!

Reached 5 today! Will hopefully reach 6 before the end of the year.

Am at 6.1 right now. Should hit 7 by summer. Progress is slow but steady.

7.05!!!!!

Reaching a full week feels really big. I get paid weekly so from now on there's one extra payday per year and it goes straight to the stash. Should reach 8 by the end of summer, but it might be earlier. I'm really starting to feel the compounding effect, I've been seriously investing for 4 years now.

8! Should be at 9 by the end of the year. Next year, one line in my budget will disappear and the money gained from this will go directly to the stash. My goal is to be at 9 days by the end of 2019 and at 14 by the end of 2020.

9,1! Should hit 10 by March and 14 by the end of 2020.

Already at 10.16, the stock market is really helping me along. Should be at 11 in late March. End of year goal is still 14 days.

At 10,01 now! Not too bad actually, considering the circumstances.

Less than 2 months later I'm at 11,20! Don't want to make any predictions but 14 days by EOY doesn't seem out of reach right now.

I am totally on track for 14 days by EOY! I'm at 13,8 now.

Aaaand I'm at 14,25 with one month left to go. It's going so fast now.

My goal for EOY 2021 was 21 days, but I'm going to make that 23 and see what happens.

Ended the year at 14,79 days!

How are ya'll coming up with a figure for your annual expenses in retirement?

A rough guess based on current expenses. I'm so far away from retirement it's hard to be precise. When I reach barebones FI (which is Ä300k in investments + by then a mostly paid off home) I'll figure out the details of RE.

Arbitrage

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #546 on: December 28, 2020, 11:52:18 AM »
Woo FI @Arbitrage!

Thanks!  My numbers are contingent upon moving to an area that's a bit cheaper (though it's still not cheap) - @v8rx7guy's town, in fact.  Got a bunch of work to do to make that move happen, but I'm still excited to cross the threshold - for the first time, anyhow.

Why Bellingham?

Many reasons, but we settled on that location after considering basically anywhere in the country.  Most of the country is a no-go due to specific health-based climate requirements (can't be hot).  Beyond that, it came down to - access to outdoor activity, not overpopulated, minimal snow, decent schools, proximity to family, lower cost, bike culture, and a few other things.  Ticked off all of our needs, and most of our wants.

Bird In Hand

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #547 on: December 29, 2020, 09:28:01 AM »
Oct 2017: 234 days (through August 22nd each year)
Jan 2018: 258 days (through Sep 15th each year)
Aug 2018: 273 days (through Sep 30th each year)
Feb 2019: 273 days (through Sep 30th each year)
Nov 2019: 300 days (through Oct 27th each year)
Jan 2020: 313 days (through Nov 9th each year)
Aug 2020: 341 days (through Dec 7th each year)

Dec 2020: 379 days (through Dec 31st + 2 weeks to spare)

Another 38 days since August, for a total of 66 days since January?  I'm not ready to start OMY yet, so I'm going to use 3.5% SWR instead of 4%.  Therefore, by the new reckoning:

Dec 2020: 332 days (through Nov 28th each year)

gaja

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #548 on: December 29, 2020, 10:39:05 AM »
January 2020: January 5th
February 2020: January 6th
March: January 6th
April: January 7th
May: January 8th
June: January 8th
July: January 9th
August: January 10th
September: January 11th
October: January 11th
November: January 12th
December: January 13th

Closing in on two weeks, but I might need to recalculate how much we need. Looks like I've set the safety margin a bit high.

ExExpress

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Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #549 on: December 30, 2020, 11:51:12 AM »
2020 was the first full year taking the philosophy seriously and having sufficient records. I reduced my spend by 11.2% over 2019 spend and most of that was not COVID related so simply maintaining habits should give me another 6% cut in the year ahead so I am setting a stretch goal of a 9% reduction of 2020 spend. For now I am using TTM spend, can get that refined once closed to the goal.

1/1/21 29 days initial count.
2/1/21 31 days  About 1/3 reducing my spend and 2/3 contributions and growth.
3/1/21 36 days  Big reduction in TTM spend and also funded about half of my IRA.
4/1/21  32 days  Auto spending. Sold my car for a lot more than I thought it was worth and did a one pay lease on a Costco Chevy. Realized equity from a depreciating asset and eliminated a car payment from my cash flow for next three years. Plus some questionable green cred.
5/1/21 33 days  Spend was up a bit as I and my pod were vaxxed and entertainment/dining spend spiked. Slow forward progress though.
 
« Last Edit: May 02, 2021, 02:31:27 PM by ExExpress »