6 days/year or 0.5 days/month is what I have been averaging (or was before the Oct). I also am not happy with this number, I am hoping to increase my savings rate considerably in 2019.
So I did a little calculating because 6 days/year means a long working career ahead. I assumed a 7% return for the previous year as a starting point to calculate days gained for each following year, below.
Year ----- 7% ----- 15% ----- 20%
2019 ----- 07d ----- 08d ----- 11d
2020 ----- 11d ----- 15d ----- 17d
2021 ----- 15d ----- 19d ----- 22d
2022 ----- 18d ----- 23d ----- 27d
2023 ----- 19d ----- 27d ----- 31d
2024 ----- 22d ----- 31d ----- 37d
2025 ----- 24d ----- 35d ----- 41d
On the 1 hand this makes me feel better, my plan doesn't mean that I will only gain 6 days per year every year (assuming my stash returns at least 7%). On the other hand this shows that by the end of 2025 (6 YEARS from now!!) I will still have more than half the year to go. :(
My current plan will take 11 more years to reach FI if my stash returns an average of 7% per year over that time frame. If we have a "glass half full" look, I will still in my 40's when we reach FI and that is several years before we plan to FIRE but I waffle between the "glass is half full" and the "glass is half empty" mentality so that is still 11 YEARS from now!!
PS- 10% average yearly returns only knocks off 1 year. A return of 7% is what MY stash has averaged over the last 3 years. I have end of year numbers for 6 years but contributions for only 3 of those, so I can't calculate what MY stash (not the market in general) yearly return was prior to 2016.