Try to view this on a computer - or at least in landscape if using a mobile.
Good day fine stachers.
Hopefully, this is a slightly fresh way of viewing the FI goalpost
Assumptions are that
* Majority investment pool is in VTI/VTSAX
* A 4% withdraw rule is utilized
* Saved Cash is ignored
|Monthly| Yearly|VTI Required|DaysOfFreedom
Current Expendenture | 4,446| 53,352| 1,333,800| 30
Sans PMI (2020.03) | 4,373| 52,476| 1,311,900| 30
Sans Student Loan (2029.03) | 3,923| 47,076| 1,176,900| 34
Cost of Mortgage (2029 or 42)| 1,224| 14,688| -367,200|
Self Cost of Kids (2034) | 507| 6,084| -152,100|
Sell Home & Rent Equiv (2029)| 370| 4,400| -111,000| *+85K Cash
While I have a long-game housing plan in play, the budget option is to
Sell home in 10 years
net approximately 85K cash
Trade $1,570 ownership cost with
$1,200 equivillent lifestyle rentals.
The 85K cash would be invested and at the same time the amount of VTI required is reduces by 111K -
effectively reducing the remaining investment spread 196K!!
Current Investments
Taxable | 5,225|
Roth IRA | 24,769|
IRA | 62,984|
401K | 14,087|
Fundrise | 2,322|
Total | 109,387|
Yearly 4% Withdrawl | 4,375|
CashFlow |Monthly Cost|Investment Required To Support Cost
Mortgage Principal & Int|1061|318,300|
Mortgage Insurance | 90| 27,000|
Mortgage Taxes | 242| 72,600|
Home Maint Fund | 200| 60,000|
Mortgage PMI | 73| 21,900|
Earnest Student Loan | 450|135,000|
Electric & Gas | 260| 78,000|
Aqua Sewer | 80| 24,000|
City/Town Fees | 60| 18,000|
2 lines Cell Service | 78| 23,400|
Self Fund | 50| 15,000|
Wife Gift Fund | 30| 9,000|
B-Day Dinners (x3) Fund | 15| 4,500|
Kids R&R Fund | 30| 9,000|
Kids Gift Fund | 10| 3,000|
Auto Insurance (x2) | 119| 35,700|
Max Auto Fuel Budget | 150| 45,000|
Auto Repair Fund | 50| 15,000|
max Food Budget | 600|180,000|
Max Food Out Budget | 60| 18,000|
Suppliments | 46| 13,800|
Quick Emergency Fund | 100| 30,000|
Pet Vet | 85| 25,500|
Internet | 60| 18,000|
VPN (For Banking) | 4| 1,200|
crashplan | 10| 3,000|
Chiropractor | 40| 12,000|
YMCA | 72| 21,600|
Self Gym | 145| 43,500|
Martial Arts - Kid1 | 65| 19,500|
Truegreen.Grass.Care | 36| 10,800|
WeClean Trash | 15| 4,500|
HomeServe H20 Ins | 3| 900|
pandora | 5| 1,500|
Netflix | 29| 8,700|
Amz Prime | 10| 3,000|
Consumer Reports | 3| 900|
Kids Zoo | 10| 3,000|
*FUNDs note - All stored in Ally at 2.2% until required
*BILLS note - All are paid on a Fidelity 2% to Taxable Account when due. This reduces amount invested in month due rather than allocating costs across year for 2.2% gain. My belief is that in most years the front loading of stock investments outweighs the Ally 2.2% fixed compound.
