Author Topic: Race to 100% FI! (With a Poll added to track your progress!) (Read 48123 times)

SotI · « **Reply #300 on:** December 16, 2022, 01:21:03 PM »

Quote from: SotI on December 27, 2021, 04:07:46 AM

Just tallying my figures for YE 2021, looking now at 31.1% (of the full independence goal).
The NW increments have continously increased since I joined the forum.

Financially, this turned out a pretty sh***y year. Some major renovation plus the general state of affairs leaves me pretty much where I was by end of last year. Moved marginally up to 33.3 % - next year I really need to stop the spending leaks again, though.

2Birds1Stone · « **Reply #301 on:** December 17, 2022, 03:58:06 AM »

Quote from: johndoe on December 16, 2022, 11:26:38 AM

I liked the format used by @2Birds1Stone so I checked my status. Come on stock market!

@johndoe, thanks for the shout out :)

Why/how does your rolling 12 month end up so lumpy in 2021? If you use a rolling 12 months it should look a bit smoother, no?

RWD · « **Reply #302 on:** December 17, 2022, 10:03:31 AM »

I want a @2Birds1Stone chart too!

johndoe · « **Reply #303 on:** December 17, 2022, 04:24:05 PM »

Quote from: 2Birds1Stone on December 17, 2022, 03:58:06 AM

Why/how does your rolling 12 month end up so lumpy in 2021? If you use a rolling 12 months it should look a bit smoother, no?

That's due to a big lump sum of mortgage payoff. (No one needs to remind me that that was a mistake ha) Since I finished that off in July '20 it fully rolled off the chart a year later. Interestingly I've been at about 25x spending for the last almost 1.5 years.

TyGuy · « **Reply #304 on:** January 02, 2023, 11:18:15 AM »

Goal 2021: 10%
Goal 2022: 18%; stretch goal 20%

*First % is without a mortgage payment, second % is with current mortgage payment (~13.0 years remaining at 1.75%)*
**4% withdrawal rate**

SEP 2021: 8.02%; 4.78%
OCT 2021: 8.19%; 4.88%
NOV 2021: 8.44%; 5.03%
DEC 2021: 8.38%; 4.99%
JAN 2022: 10.01%; 6.00%
FEB 2022: 10.27%; 6.12%
MAR 2022: 11.14%; 6.63%
APR 2022: 11.93%; 7.10%
MAY 2022: 11.30%; 6.73%
JUN 2022: 11.94%; 6.94%
SEP 2022: 12.39%; 7.37%
OCT 2022: 11.49%; 6.84%
NOV 2022: 12.46%; 7.42%
DEC 2022: 13.73%; 8.17%
JAN 2023: 14.03%; 8.35%

I didn't reach my goal this year, but it wasn't for a lack of effort! I have significantly increased the number of shares I hold this year, and had a very high savings rate. I too, am optimistic for 2023. I have no planned major expenses, have some already paid for trips planned, and expect to have an even higher savings rate!

Goal for end of 2023: 24%; stretch goal of 28%

TyGuy · « **Reply #305 on:** February 01, 2023, 09:26:28 PM »

Goal 2021: 10%
Goal 2022: 18%; Stretch goal 20%
Goal 2023: 24%; Stretch goal 28%

*First % is without a mortgage payment, second % is with current mortgage payment (~13.0 years remaining at 1.75%)*
**4% withdrawal rate**

SEP 2021: 8.02%; 4.78%
OCT 2021: 8.19%; 4.88%
NOV 2021: 8.44%; 5.03%
DEC 2021: 8.38%; 4.99%
JAN 2022: 10.01%; 6.00%
FEB 2022: 10.27%; 6.12%
MAR 2022: 11.14%; 6.63%
APR 2022: 11.93%; 7.10%
MAY 2022: 11.30%; 6.73%
JUN 2022: 11.94%; 6.94%
SEP 2022: 12.39%; 7.37%
OCT 2022: 11.49%; 6.84%
NOV 2022: 12.46%; 7.42%
DEC 2022: 13.73%; 8.17%
JAN 2023: 14.03%; 8.35%
FEB 2023: 15.73%; 9.36%

Happy with the progress this month!

oneday · « **Reply #306 on:** February 05, 2023, 06:19:12 PM »

01/01/98 0.0%
03/31/11 5.0%
08/31/11 4.8%
12/31/11 5.0%
10/31/15 10.0%
12/31/15 9.9%
03/31/16 10.2%
03/31/19 20.6%
08/31/20 30.6%
06/30/21 40.5%
11/30/21 50.7%
04/30/22 48.7%
07/31/22 50.1%
08/31/22 48.8%
11/30/22 51.9%
12/31/22 49.3%
01/31/23 53.0%

Added a few data points to show how market volatility has affected even this broad-strokes measurement method.

It becomes obvious this is not the first time I've topped 50.0%, however with the volatility of the recent past, it hasn't stuck. Can't promise it will this time, but maybe 4th time's a charm? :D As an added bonus, my NW is at an all time high (by about $900-but a record is a record!)

BuffaloStache · « **Reply #307 on:** February 22, 2023, 02:35:52 PM »

Quote from: oneday on February 05, 2023, 06:19:12 PM

...
It becomes obvious this is not the first time I've topped 50.0%, however with the volatility of the recent past, it hasn't stuck. ...

Same here. I'm back above 50%, but not holding my breath that it'll last. Here's to hoping it will!

TyGuy · « **Reply #308 on:** March 01, 2023, 01:25:02 PM »

Goal 2021: 10%
Goal 2022: 18%; Stretch goal 20%
Goal 2023: 24%; Stretch goal 28%

*First % is without a mortgage payment, second % is with current mortgage payment (~13.0 years remaining at 1.75%)*
**4% withdrawal rate**

SEP 2021: 8.02%; 4.78%
OCT 2021: 8.19%; 4.88%
NOV 2021: 8.44%; 5.03%
DEC 2021: 8.38%; 4.99%
JAN 2022: 10.01%; 6.00%
FEB 2022: 10.27%; 6.12%
MAR 2022: 11.14%; 6.63%
APR 2022: 11.93%; 7.10%
MAY 2022: 11.30%; 6.73%
JUN 2022: 11.94%; 6.94%
SEP 2022: 12.39%; 7.37%
OCT 2022: 11.49%; 6.84%
NOV 2022: 12.46%; 7.42%
DEC 2022: 13.73%; 8.17%
JAN 2023: 14.03%; 8.35%
FEB 2023: 15.73%; 9.36%
MAR 2023: 15.51%; 9.23%

Continuing to buy low!

TyGuy · « **Reply #309 on:** April 02, 2023, 03:04:07 PM »

Goal 2021: 10%
Goal 2022: 18%; Stretch goal 20%
Goal 2023: 24%; Stretch goal 28%

*First % is without a mortgage payment, second % is with current mortgage payment (~13.0 years remaining at 1.75%)*
**4% withdrawal rate**

SEP 2021: 8.02%; 4.78%
OCT 2021: 8.19%; 4.88%
NOV 2021: 8.44%; 5.03%
DEC 2021: 8.38%; 4.99%
JAN 2022: 10.01%; 6.00%
FEB 2022: 10.27%; 6.12%
MAR 2022: 11.14%; 6.63%
APR 2022: 11.93%; 7.10%
MAY 2022: 11.30%; 6.73%
JUN 2022: 11.94%; 6.94%
SEP 2022: 12.39%; 7.37%
OCT 2022: 11.49%; 6.84%
NOV 2022: 12.46%; 7.42%
DEC 2022: 13.73%; 8.17%
JAN 2023: 14.03%; 8.35%
FEB 2023: 15.73%; 9.36%
MAR 2023: 15.51%; 9.23%
APR 2023: 16.86%; 10.03%

Over 1% closer to my goal since last month, hoping to continue forward at ~1% rate each month for the remainder of the year!

SotI · « **Reply #310 on:** April 03, 2023, 11:55:45 AM »

Quote from: SotI on December 16, 2022, 01:21:03 PM

Quote from: SotI on December 27, 2021, 04:07:46 AM
Just tallying my figures for YE 2021, looking now at 31.1% (of the full independence goal).
The NW increments have continously increased since I joined the forum.

Financially, this turned out a pretty sh***y year. Some major renovation plus the general state of affairs leaves me pretty much where I was by end of last year. Moved marginally up to 33.3 % - next year I really need to stop the spending leaks again, though.

Q1/2023: pretty much unchanged, compared to December. Seems I have to count my blessing just keeping NW stable ...

TyGuy · « **Reply #311 on:** May 11, 2023, 10:52:51 AM »

Goal 2021: 10%
Goal 2022: 18%; Stretch goal 20%
Goal 2023: 24%; Stretch goal 28%

*First % is without a mortgage payment, second % is with current mortgage payment (~13.0 years remaining at 1.75%)*
**4% withdrawal rate**

SEP 2021: 8.02%; 4.78%
OCT 2021: 8.19%; 4.88%
NOV 2021: 8.44%; 5.03%
DEC 2021: 8.38%; 4.99%
JAN 2022: 10.01%; 6.00%
FEB 2022: 10.27%; 6.12%
MAR 2022: 11.14%; 6.63%
APR 2022: 11.93%; 7.10%
MAY 2022: 11.30%; 6.73%
JUN 2022: 11.94%; 6.94%
SEP 2022: 12.39%; 7.37%
OCT 2022: 11.49%; 6.84%
NOV 2022: 12.46%; 7.42%
DEC 2022: 13.73%; 8.17%
JAN 2023: 14.03%; 8.35%
FEB 2023: 15.73%; 9.36%
MAR 2023: 15.51%; 9.23%
APR 2023: 16.86%; 10.03%
MAY 2023: 17.77%; 10.58%

Another 1%(ish) month, hoping to stay at this rate for the remainder of the year, allowing me to reach my yearly goal!

TyGuy · « **Reply #312 on:** June 06, 2023, 09:16:57 PM »

Goal 2021: 10%
Goal 2022: 18%; Stretch goal 20%
Goal 2023: 24%; Stretch goal 28%

*First % is without a mortgage payment, second % is with current mortgage payment (~13.0 years remaining at 1.75%)*
**4% withdrawal rate**

SEP 2021: 8.02%; 4.78%
OCT 2021: 8.19%; 4.88%
NOV 2021: 8.44%; 5.03%
DEC 2021: 8.38%; 4.99%
JAN 2022: 10.01%; 6.00%
FEB 2022: 10.27%; 6.12%
MAR 2022: 11.14%; 6.63%
APR 2022: 11.93%; 7.10%
MAY 2022: 11.30%; 6.73%
JUN 2022: 11.94%; 6.94%
SEP 2022: 12.39%; 7.37%
OCT 2022: 11.49%; 6.84%
NOV 2022: 12.46%; 7.42%
DEC 2022: 13.73%; 8.17%
JAN 2023: 14.03%; 8.35%
FEB 2023: 15.73%; 9.36%
MAR 2023: 15.51%; 9.23%
APR 2023: 16.86%; 10.03%
MAY 2023: 17.77%; 10.58%
JUN 2023: 18.06%; 10.74%

May was an expensive month, should be able to make some healthy progress in June and the remainder of the summer!

JAYSLOL · « **Reply #313 on:** June 07, 2023, 12:41:16 AM »

Now 15%

TyGuy · « **Reply #314 on:** July 02, 2023, 06:55:09 PM »

Goal 2021: 10%
Goal 2022: 18%; Stretch goal 20%
Goal 2023: 24%; Stretch goal 28%

*First % is without a mortgage payment, second % is with current mortgage payment (~13.0 years remaining at 1.75%)*
**4% withdrawal rate**

SEP 2021: 8.02%; 4.78%
OCT 2021: 8.19%; 4.88%
NOV 2021: 8.44%; 5.03%
DEC 2021: 8.38%; 4.99%
JAN 2022: 10.01%; 6.00%
FEB 2022: 10.27%; 6.12%
MAR 2022: 11.14%; 6.63%
APR 2022: 11.93%; 7.10%
MAY 2022: 11.30%; 6.73%
JUN 2022: 11.94%; 6.94%
SEP 2022: 12.39%; 7.37%
OCT 2022: 11.49%; 6.84%
NOV 2022: 12.46%; 7.42%
DEC 2022: 13.73%; 8.17%
JAN 2023: 14.03%; 8.35%
FEB 2023: 15.73%; 9.36%
MAR 2023: 15.51%; 9.23%
APR 2023: 16.86%; 10.03%
MAY 2023: 17.77%; 10.58%
JUN 2023: 18.06%; 10.74%
JUL 2023: 20.17%; 12.01%

Very happy with my progress in June, my savings rate was high and the markets gave me a nice boost! I am already approaching my year end goal and could possibly reach it by September or October, allowing me to make a run at my stretch goal!

oneday · « **Reply #315 on:** July 02, 2023, 11:07:32 PM »

01/01/98 0.0%
03/31/11 5.0%
08/31/11 4.8%
12/31/11 5.0%
10/31/15 10.0%
12/31/15 9.9%
03/31/16 10.2%
03/31/19 20.6%
08/31/20 30.6%
06/30/21 40.5%
11/30/21 50.7%
04/30/22 48.7%
07/31/22 50.1%
08/31/22 48.8%
11/30/22 51.9%
12/31/22 49.3%
01/31/23 53.0%
06/30/23 60.2%

Did not expect to move up a bracket so soon. From past history, especially recent history, it may not stick.

johndoe · « **Reply #316 on:** July 03, 2023, 04:57:49 PM »

4% of my investments have, for the first time, eclipsed my annual spending. So that's cool.

TyGuy · « **Reply #317 on:** July 05, 2023, 10:56:23 AM »

@johndoe

Congratulations, that is a huge milestone! Do you have plans for the next year? Continue working part time, retire, travel??

johndoe · « **Reply #318 on:** July 06, 2023, 03:59:10 PM »

Quote from: TyGuy on July 05, 2023, 10:56:23 AM

@johndoe

Congratulations, that is a huge milestone! Do you have plans for the next year? Continue working part time, retire, travel??

Thanks... I'm going to be a buzzkill though, no exciting plans. I'm still ~15 years from pension eligibility, but I do enjoy the work so in no hurry to change. Also you'll notice my average spend is quite low - wouldn't want to cut anything from budget.
(My point is ~$375k working for me in market doesnt feel like enough) Perhaps I'll try to learn to "coast" and spend more! Part time work may be something I explore eventually...it'd be interesting to make more off investments than salary!

JAYSLOL · « **Reply #319 on:** July 14, 2023, 08:01:16 AM »

Oct 2017 - 4%
May 2018 - 5%
Dec 2018 - 6%
July 2019 - 7%
Nov 2019 - 8%
Aug 2020 - 9%
July 2021 - 10%
Oct 2021 - 11%
Apr 2022 - 12%
Nov 2022 - 13%
Dec 2022 - 14%
June 2023 - 15%
July 2023 - 16%

BuffaloStache · « **Reply #320 on:** July 19, 2023, 02:42:36 PM »

Quote from: BuffaloStache on February 22, 2023, 02:35:52 PM

... I'm back above 50%, but not holding my breath that it'll last. Here's to hoping it will!

I hesitate to say it out loud, but I'm getting pretty close to moving up to the next bracket. Here's to hoping we aren't on the edge of another big market cliff!

TyGuy · « **Reply #321 on:** August 01, 2023, 11:50:44 AM »

Goal 2021: 10%
Goal 2022: 18%; Stretch goal 20%
Goal 2023: 24%; Stretch goal 28%

*First % is without a mortgage payment, second % is with current mortgage payment (~12.5 years remaining at 1.75%)*
**4% withdrawal rate**

SEP 2021: 8.02%; 4.78%
OCT 2021: 8.19%; 4.88%
NOV 2021: 8.44%; 5.03%
DEC 2021: 8.38%; 4.99%
JAN 2022: 10.01%; 6.00%
FEB 2022: 10.27%; 6.12%
MAR 2022: 11.14%; 6.63%
APR 2022: 11.93%; 7.10%
MAY 2022: 11.30%; 6.73%
JUN 2022: 11.94%; 6.94%
SEP 2022: 12.39%; 7.37%
OCT 2022: 11.49%; 6.84%
NOV 2022: 12.46%; 7.42%
DEC 2022: 13.73%; 8.17%
JAN 2023: 14.03%; 8.35%
FEB 2023: 15.73%; 9.36%
MAR 2023: 15.51%; 9.23%
APR 2023: 16.86%; 10.03%
MAY 2023: 17.77%; 10.58%
JUN 2023: 18.06%; 10.74%
JUL 2023: 20.17%; 12.01%
AUG 2023: 21.49%; 12.79%

Quickly approaching my goal for the year, with hopes of reaching my stretch goal! Progress will be slower next month due to some planned expenses, but my savings should resume as normal again in September/October.

SotI · « **Reply #322 on:** August 05, 2023, 03:44:08 AM »

Still in the same bracket but moving further to the upper end.

TyGuy · « **Reply #323 on:** September 01, 2023, 08:40:33 PM »

Goal 2021: 10%
Goal 2022: 18%; Stretch goal 20%
Goal 2023: 24%; Stretch goal 28%

*First % is without a mortgage payment, second % is with current mortgage payment (~12.5 years remaining at 1.75%)*
**4% withdrawal rate**

SEP 2021: 8.02%; 4.78%
OCT 2021: 8.19%; 4.88%
NOV 2021: 8.44%; 5.03%
DEC 2021: 8.38%; 4.99%
JAN 2022: 10.01%; 6.00%
FEB 2022: 10.27%; 6.12%
MAR 2022: 11.14%; 6.63%
APR 2022: 11.93%; 7.10%
MAY 2022: 11.30%; 6.73%
JUN 2022: 11.94%; 6.94%
SEP 2022: 12.39%; 7.37%
OCT 2022: 11.49%; 6.84%
NOV 2022: 12.46%; 7.42%
DEC 2022: 13.73%; 8.17%
JAN 2023: 14.03%; 8.35%
FEB 2023: 15.73%; 9.36%
MAR 2023: 15.51%; 9.23%
APR 2023: 16.86%; 10.03%
MAY 2023: 17.77%; 10.58%
JUN 2023: 18.06%; 10.74%
JUL 2023: 20.17%; 12.01%
AUG 2023: 21.49%; 12.79%
SEP 2023: 21.36%; 12.71%

Flat for the month but still on track to reach my yearly goal!

BuffaloStache · « **Reply #324 on:** September 26, 2023, 09:38:37 PM »

Quote from: TyGuy on September 01, 2023, 08:40:33 PM

...
SEP 2023: 21.36%; 12.71%

Flat for the month but still on track to reach my yearly goal!

Good job keeping with it. I've noticed things staying relatively flat/maybe dropping slightly lately too. I'm really hoping we get a nice end of the year market up-turn, or at the very least one at the beginning of next year...

Freedomin5 · « **Reply #325 on:** September 27, 2023, 05:01:34 AM »

I’d forgotten about this thread. Last time I answered this poll on 2019, we were at 70-80% FI. Four years later, we are pretty much 100% FI but still working.

TyGuy · « **Reply #326 on:** October 03, 2023, 07:42:10 PM »

Goal 2021: 10%
Goal 2022: 18%; Stretch goal 20%
Goal 2023: 24%; Stretch goal 28%

*First % is without a mortgage payment, second % is with current mortgage payment (~12.5 years remaining at 1.75%)*
**4% withdrawal rate**

SEP 2021: 8.02%; 4.78%
OCT 2021: 8.19%; 4.88%
NOV 2021: 8.44%; 5.03%
DEC 2021: 8.38%; 4.99%
JAN 2022: 10.01%; 6.00%
FEB 2022: 10.27%; 6.12%
MAR 2022: 11.14%; 6.63%
APR 2022: 11.93%; 7.10%
MAY 2022: 11.30%; 6.73%
JUN 2022: 11.94%; 6.94%
SEP 2022: 12.39%; 7.37%
OCT 2022: 11.49%; 6.84%
NOV 2022: 12.46%; 7.42%
DEC 2022: 13.73%; 8.17%
JAN 2023: 14.03%; 8.35%
FEB 2023: 15.73%; 9.36%
MAR 2023: 15.51%; 9.23%
APR 2023: 16.86%; 10.03%
MAY 2023: 17.77%; 10.58%
JUN 2023: 18.06%; 10.74%
JUL 2023: 20.17%; 12.01%
AUG 2023: 21.49%; 12.79%
SEP 2023: 21.36%; 12.71%
OCT 2023: 20.79%; 12.37%

Had a large, unexpected expense in September and the markets were no help either. Still on pace to reach my yearly goal if the markets remain flat or go up!

BuffaloStache · « **Reply #327 on:** October 03, 2023, 11:10:09 PM »

Quote from: Freedomin5 on September 27, 2023, 05:01:34 AM

I’d forgotten about this thread. Last time I answered this poll on 2019, we were at 70-80% FI. Four years later, we are pretty much 100% FI but still working.

Any reason why? I'll go digging to see if you have it elsewhere but I'm generally curious. Did you shift your 'job' or any other aspect of your life to be more aligned with your interests or values after becoming FI? Congrats either way!

oneday · « **Reply #328 on:** October 04, 2023, 11:16:42 AM »

Quote from: oneday on July 02, 2023, 11:07:32 PM

Did not expect to move up a bracket so soon. From past history, especially recent history, it may not stick.

Chickens have come home to roost; dropped back into a lower category. This may change again as at year end I'm going to re-do my estimated FIRE spending number. It's been a few years. Hello, inflation.

01/01/98 0.0%
03/31/11 5.0%
08/31/11 4.8%
12/31/11 5.0%
10/31/15 10.0%
12/31/15 9.9%
03/31/16 10.2%
03/31/19 20.6%
08/31/20 30.6%
06/30/21 40.5%
11/30/21 50.7%
04/30/22 48.7%
07/31/22 50.1%
08/31/22 48.8%
11/30/22 51.9%
12/31/22 49.3%
01/31/23 53.0%
06/30/23 60.2%
09/30/23 58.1%

RWD · « **Reply #329 on:** October 04, 2023, 01:36:39 PM »

I'm also finding that our target has inflated... Partially inflation but mostly we bought a more expensive house.

Freedomin5 · « **Reply #330 on:** October 04, 2023, 04:05:35 PM »

Quote from: BuffaloStache on October 03, 2023, 11:10:09 PM

Quote from: Freedomin5 on September 27, 2023, 05:01:34 AM
I’d forgotten about this thread. Last time I answered this poll on 2019, we were at 70-80% FI. Four years later, we are pretty much 100% FI but still working.

Any reason why? I'll go digging to see if you have it elsewhere but I'm generally curious. Did you shift your 'job' or any other aspect of your life to be more aligned with your interests or values after becoming FI? Congrats either way!

Thanks! DH and I both changed jobs - me in 2019 and DH in 2021. My cushy expat package includes free housing and tuition at a good international school for DD, as well as a good work-life balance and 3 months vacation, and up until this year, the work was rather stress-free and easy. DH was recently promoted, and he wants a couple years under his belt as the head of his department. The market isn’t doing so great so we want to work another year or so to pad the stash and give our investments time to recover. For the past few years, we generally liked our jobs. We are getting ready to FIRE within the next year or so. Due to certain changes in personnel and job duties, my work is no longer very fun. Plus, it’ll be a nice transition time for DD as she will be entering middle school.

BuffaloStache · « **Reply #331 on:** October 13, 2023, 07:44:28 AM »

Quote from: RWD on October 04, 2023, 01:36:39 PM

I'm also finding that our target has inflated... Partially inflation but mostly we bought a more expensive house.

Partly because of this, partly because of the pandemic, and partly because of the mediocre market performance over the past ~2 years, I've now been in the same bracket for almost 2 years. Here's to hoping that inflation settles down and the market does well as we get closer to 2024!

johndoe · « **Reply #332 on:** October 29, 2023, 04:45:55 PM »

Going the wrong way!

JAYSLOL · « **Reply #333 on:** November 03, 2023, 03:18:18 PM »

Oct 2017 - 4%
May 2018 - 5%
Dec 2018 - 6%
July 2019 - 7%
Nov 2019 - 8%
Aug 2020 - 9%
July 2021 - 10%
Oct 2021 - 11%
Apr 2022 - 12%
Nov 2022 - 13%
Dec 2022 - 14%
June 2023 - 15%
July 2023 - 16%
Nov 2023 - 17%

Looks like I could hit 20% sometime next year

TyGuy · « **Reply #334 on:** November 04, 2023, 01:40:59 PM »

Goal 2021: 10%
Goal 2022: 18%; Stretch goal 20%
Goal 2023: 24%; Stretch goal 28%

*First % is without a mortgage payment, second % is with current mortgage payment (~12.5 years remaining at 1.75%)*
**4% withdrawal rate**

SEP 2021: 8.02%; 4.78%
OCT 2021: 8.19%; 4.88%
NOV 2021: 8.44%; 5.03%
DEC 2021: 8.38%; 4.99%
JAN 2022: 10.01%; 6.00%
FEB 2022: 10.27%; 6.12%
MAR 2022: 11.14%; 6.63%
APR 2022: 11.93%; 7.10%
MAY 2022: 11.30%; 6.73%
JUN 2022: 11.94%; 6.94%
SEP 2022: 12.39%; 7.37%
OCT 2022: 11.49%; 6.84%
NOV 2022: 12.46%; 7.42%
DEC 2022: 13.73%; 8.17%
JAN 2023: 14.03%; 8.35%
FEB 2023: 15.73%; 9.36%
MAR 2023: 15.51%; 9.23%
APR 2023: 16.86%; 10.03%
MAY 2023: 17.77%; 10.58%
JUN 2023: 18.06%; 10.74%
JUL 2023: 20.17%; 12.01%
AUG 2023: 21.49%; 12.79%
SEP 2023: 21.36%; 12.71%
OCT 2023: 20.79%; 12.37%
NOV 2023: 20.88%; 12.43%

I am remaining optimistic that I will reach my goal for 2023. The markets thus far in November have been on a roll and I will have a 3 paycheck month in December, which will translate into big savings!

Monkey Uncle · « **Reply #335 on:** November 04, 2023, 06:21:56 PM »

Quote from: TyGuy on November 04, 2023, 01:40:59 PM

Goal 2021: 10%
Goal 2022: 18%; Stretch goal 20%
Goal 2023: 24%; Stretch goal 28%

*First % is without a mortgage payment, second % is with current mortgage payment (~12.5 years remaining at 1.75%)*
**4% withdrawal rate**

SEP 2021: 8.02%; 4.78%
OCT 2021: 8.19%; 4.88%
NOV 2021: 8.44%; 5.03%
DEC 2021: 8.38%; 4.99%
JAN 2022: 10.01%; 6.00%
FEB 2022: 10.27%; 6.12%
MAR 2022: 11.14%; 6.63%
APR 2022: 11.93%; 7.10%
MAY 2022: 11.30%; 6.73%
JUN 2022: 11.94%; 6.94%
SEP 2022: 12.39%; 7.37%
OCT 2022: 11.49%; 6.84%
NOV 2022: 12.46%; 7.42%
DEC 2022: 13.73%; 8.17%
JAN 2023: 14.03%; 8.35%
FEB 2023: 15.73%; 9.36%
MAR 2023: 15.51%; 9.23%
APR 2023: 16.86%; 10.03%
MAY 2023: 17.77%; 10.58%
JUN 2023: 18.06%; 10.74%
JUL 2023: 20.17%; 12.01%
AUG 2023: 21.49%; 12.79%
SEP 2023: 21.36%; 12.71%
OCT 2023: 20.79%; 12.37%
NOV 2023: 20.88%; 12.43%

I am remaining optimistic that I will reach my goal for 2023. The markets thus far in November have been on a roll and I will have a 3 paycheck month in December, which will translate into big savings!

That's a lot of progress in two years, especially given the market rollercoaster during that time. Good work.

EchoStache · « **Reply #336 on:** November 05, 2023, 03:21:03 PM »

11/2020: 1.3%
11/2023: 11.2%

JAYSLOL · « **Reply #337 on:** November 21, 2023, 08:38:40 AM »

Oct 2017 - 4%
May 2018 - 5%
Dec 2018 - 6%
July 2019 - 7%
Nov 2019 - 8%
Aug 2020 - 9%
July 2021 - 10%
Oct 2021 - 11%
Apr 2022 - 12%
Nov 2022 - 13%
Dec 2022 - 14%
June 2023 - 15%
July 2023 - 16%
Oct 2023 - 17%
Nov 2023 - 18%

TyGuy · « **Reply #338 on:** December 01, 2023, 11:26:33 AM »

Goal 2021: 10%
Goal 2022: 18%; Stretch goal 20%
Goal 2023: 24%; Stretch goal 28%

*First % is without a mortgage payment, second % is with current mortgage payment (~12.5 years remaining at 1.75%)*
**4% withdrawal rate**

SEP 2021: 8.02%; 4.78%
OCT 2021: 8.19%; 4.88%
NOV 2021: 8.44%; 5.03%
DEC 2021: 8.38%; 4.99%
JAN 2022: 10.01%; 6.00%
FEB 2022: 10.27%; 6.12%
MAR 2022: 11.14%; 6.63%
APR 2022: 11.93%; 7.10%
MAY 2022: 11.30%; 6.73%
JUN 2022: 11.94%; 6.94%
SEP 2022: 12.39%; 7.37%
OCT 2022: 11.49%; 6.84%
NOV 2022: 12.46%; 7.42%
DEC 2022: 13.73%; 8.17%
JAN 2023: 14.03%; 8.35%
FEB 2023: 15.73%; 9.36%
MAR 2023: 15.51%; 9.23%
APR 2023: 16.86%; 10.03%
MAY 2023: 17.77%; 10.58%
JUN 2023: 18.06%; 10.74%
JUL 2023: 20.17%; 12.01%
AUG 2023: 21.49%; 12.79%
SEP 2023: 21.36%; 12.71%
OCT 2023: 20.79%; 12.37%
NOV 2023: 20.88%; 12.43%
DEC 2023: 22.97%; 13.67%

Feeling like my goal of reaching 24% FI by year end is well within reach. December is a three paycheck month for me, so as long as the markets behave, I will reach my goal!

Monkey Uncle · « **Reply #339 on:** December 01, 2023, 05:27:34 PM »

Quote from: TyGuy on December 01, 2023, 11:26:33 AM

Goal 2021: 10%
Goal 2022: 18%; Stretch goal 20%
Goal 2023: 24%; Stretch goal 28%

*First % is without a mortgage payment, second % is with current mortgage payment (~12.5 years remaining at 1.75%)*
**4% withdrawal rate**

SEP 2021: 8.02%; 4.78%
OCT 2021: 8.19%; 4.88%
NOV 2021: 8.44%; 5.03%
DEC 2021: 8.38%; 4.99%
JAN 2022: 10.01%; 6.00%
FEB 2022: 10.27%; 6.12%
MAR 2022: 11.14%; 6.63%
APR 2022: 11.93%; 7.10%
MAY 2022: 11.30%; 6.73%
JUN 2022: 11.94%; 6.94%
SEP 2022: 12.39%; 7.37%
OCT 2022: 11.49%; 6.84%
NOV 2022: 12.46%; 7.42%
DEC 2022: 13.73%; 8.17%
JAN 2023: 14.03%; 8.35%
FEB 2023: 15.73%; 9.36%
MAR 2023: 15.51%; 9.23%
APR 2023: 16.86%; 10.03%
MAY 2023: 17.77%; 10.58%
JUN 2023: 18.06%; 10.74%
JUL 2023: 20.17%; 12.01%
AUG 2023: 21.49%; 12.79%
SEP 2023: 21.36%; 12.71%
OCT 2023: 20.79%; 12.37%
NOV 2023: 20.88%; 12.43%
DEC 2023: 22.97%; 13.67%

Feeling like my goal of reaching 24% FI by year end is well within reach. December is a three paycheck month for me, so as long as the markets behave, I will reach my goal!

Way to go!

oneday · « **Reply #340 on:** December 02, 2023, 07:31:54 PM »

Quote from: oneday on October 04, 2023, 11:16:42 AM

Quote from: oneday on July 02, 2023, 11:07:32 PM
Did not expect to move up a bracket so soon. From past history, especially recent history, it may not stick.

Chickens have come home to roost; dropped back into a lower category. This may change again as at year end I'm going to re-do my estimated FIRE spending number. It's been a few years. Hello, inflation.

And another wild swing in the other direction!

01/01/98 0.0%
03/31/11 5.0%
08/31/11 4.8%
12/31/11 5.0%
10/31/15 10.0%
12/31/15 9.9%
03/31/16 10.2%
03/31/19 20.6%
08/31/20 30.6%
06/30/21 40.5%
11/30/21 50.7%
04/30/22 48.7%
07/31/22 50.1%
08/31/22 48.8%
11/30/22 51.9%
12/31/22 49.3%
01/31/23 53.0%
06/30/23 60.2%
09/30/23 58.1%
11/30/23 64.1%

alcon835 · « **Reply #341 on:** December 31, 2023, 09:20:46 AM »

Big update today as I review my EOY finances...I'm at 50% FI!!! That's...AMAZING! I am literally blown away. The last two months of growth have done a significant amount of work to get me there.

SotI · « **Reply #342 on:** January 01, 2024, 09:48:23 AM »

Congrats!

Thanks to last quarter upswing, my % has also increased, but I am still within the same bracket (now 38.3%). Hopefully I will be able to jump into the next range during 2024.

This is the track for full FI w/o pensions (that looks much better!)

pasadenafr · « **Reply #343 on:** January 01, 2024, 04:09:13 PM »

Edited my vote. As of yesterday, I'm at almost 79% FI, based on current expenses (although I just realized I never included taxes in those since my taxes are taken out of my income without me ever seeing that money.)

However, I'm at only 57% of target RE number. The difference being slightly lower expenses (with taxes this time) but the need to buy a home without a mortgage upon retirement.

johndoe · « **Reply #344 on:** January 01, 2024, 04:39:57 PM »

Happy new year everyone - and good job! I thought it might be interesting to visualize it in terms of "withdrawl rate over time" (since that sort of eliminates an assumption about "how do you define FI?"). So this version shows my history of spending, investment balances, and withdrawl rate. MORE DATA!

arcturus · « **Reply #345 on:** January 02, 2024, 08:10:41 AM »

Congrats to all....here's my progress tracker:

All dates are as of June 30 other than the final one as noted below:

2015: 17.3%
2016: 25.9%
2017: 30.7%
2018: 31.1%
2019: 47.1%
2020: 51.4%
2021: 72.7%
2022: 67.1%
2023: 79.7% (June 30)
2023: 84.9% (Dec 31)

Kinda similar to @pasadenafr , I am trying to balance either a home downsize and purchase or a mortgage payoff into my planning, so my targets and/or balances could get disrupted a bit by that. But for now, I'm sticking with the plan and hoping that the real estate market here in the midwest will look different in 6 months than it does right now.

TyGuy · « **Reply #346 on:** January 02, 2024, 12:20:26 PM »

Goal 2021: 10%
Goal 2022: 18%; Stretch goal 20%
Goal 2023: 24%; Stretch goal 28%
Goal 2023: 35%; Stretch goal 38%

*First % is without a mortgage payment, second % is with current mortgage payment (~12 years remaining at 1.75%)*
**4% withdrawal rate**

SEP 2021: 8.02%; 4.78%
OCT 2021: 8.19%; 4.88%
NOV 2021: 8.44%; 5.03%
DEC 2021: 8.38%; 4.99%
JAN 2022: 10.01%; 6.00%
FEB 2022: 10.27%; 6.12%
MAR 2022: 11.14%; 6.63%
APR 2022: 11.93%; 7.10%
MAY 2022: 11.30%; 6.73%
JUN 2022: 11.94%; 6.94%
SEP 2022: 12.39%; 7.37%
OCT 2022: 11.49%; 6.84%
NOV 2022: 12.46%; 7.42%
DEC 2022: 13.73%; 8.17%
JAN 2023: 14.03%; 8.35%
FEB 2023: 15.73%; 9.36%
MAR 2023: 15.51%; 9.23%
APR 2023: 16.86%; 10.03%
MAY 2023: 17.77%; 10.58%
JUN 2023: 18.06%; 10.74%
JUL 2023: 20.17%; 12.01%
AUG 2023: 21.49%; 12.79%
SEP 2023: 21.36%; 12.71%
OCT 2023: 20.79%; 12.37%
NOV 2023: 20.88%; 12.43%
DEC 2023: 22.97%; 13.67%
JAN 2024: 25.16%; 14.98%

What a great finish to the year! I reached my goal with some room to spare, and even began to close in on my stretch goal. I am happy with the way the year played out, as I become over 11% closer to being Financially Independent! Congratulations to everyone who reached there goals, and also those who continued the journey toward their goals!

This next year is hard to predict financially, as I will be moving this spring and beginning a new job. If expense can remain low with the move (and new mortgage), I may be able to reach my goal for the year. Future years will have continual salary increases which will accelerate my savings!

JAYSLOL · « **Reply #347 on:** January 25, 2024, 06:40:24 PM »

Oct 2017 - 4%
May 2018 - 5%
Dec 2018 - 6%
July 2019 - 7%
Nov 2019 - 8%
Aug 2020 - 9%
July 2021 - 10%
Oct 2021 - 11%
Apr 2022 - 12%
Nov 2022 - 13%
Dec 2022 - 14%
June 2023 - 15%
July 2023 - 16%
Oct 2023 - 17%
Nov 2023 - 18%
Jan 2024 - 19%

So close to 20%, hopefully in the next two or three months

TyGuy · « **Reply #348 on:** February 04, 2024, 02:41:40 PM »

Goal 2021: 10%
Goal 2022: 18%; Stretch goal 20%
Goal 2023: 24%; Stretch goal 28%
Goal 2023: 35%; Stretch goal 38%

*First % is without a mortgage payment, second % is with current mortgage payment (~12 years remaining at 1.75%)*
**4% withdrawal rate**

SEP 2021: 8.02%; 4.78%
SEP 2022: 12.39%; 7.37%
OCT 2022: 11.49%; 6.84%
NOV 2022: 12.46%; 7.42%
DEC 2022: 13.73%; 8.17%
JAN 2023: 14.03%; 8.35%
FEB 2023: 15.73%; 9.36%
MAR 2023: 15.51%; 9.23%
APR 2023: 16.86%; 10.03%
MAY 2023: 17.77%; 10.58%
JUN 2023: 18.06%; 10.74%
JUL 2023: 20.17%; 12.01%
AUG 2023: 21.49%; 12.79%
SEP 2023: 21.36%; 12.71%
OCT 2023: 20.79%; 12.37%
NOV 2023: 20.88%; 12.43%
DEC 2023: 22.97%; 13.67%
JAN 2024: 25.16%; 14.98%
FEB 2024: 26.05%; 15.51%

Happy with the progress this month, I will be pushing hard to reach my goal again this year!

BuffaloStache · « **Reply #349 on:** February 07, 2024, 09:49:40 PM »

Happy to report I've moved up a bracket and am north of 60% of the way to FI.

Here's to hoping that marking it on this internet forum doesn't jinx me and move me back down to the lower bracket any time...

News:

Poll

What's your CURRENT % of your Target Passive Income as of now?

Author Topic: Race to 100% FI! (With a Poll added to track your progress!) (Read 48123 times)