Author Topic: Race to 100% FI  (Read 5763 times)

SunniD

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Re: Race to 100% FI
« Reply #50 on: April 06, 2021, 07:40:51 AM »

 dec 2014    21%
 dec 2015    24%
 dec 2016    31%
 dec 2017    42%
 dec 2018    45%
 dec 2019    66%
 dec 2020    91%

2021:   
   jan     90.3%
   feb     94.0%
   mar    95.3%

TyGuy

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Re: Race to 100% FI
« Reply #51 on: April 08, 2021, 10:13:59 AM »
I've enjoyed following along on this thread, I plan to post my numbers here soon, congrats to everyone on the strong progress!

rockstache

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Re: Race to 100% FI
« Reply #52 on: April 30, 2021, 11:46:34 AM »
2021:   
   jan     90.3%
   feb     94.0%
   mar    95.3%

So close! I can't wait to see this month's update!

I've enjoyed following along on this thread, I plan to post my numbers here soon, congrats to everyone on the strong progress!
Welcome TyGuy!



Found MMM/2013: 2.78%
2014: 4.91%
2015: 8.50%
2016: 14.06%
2017: 21.90%
2018: 25.97%
2019: 32.52%
2020: 52.40%


2021:

January: 54.18%
February: 55.69%
March: 56.96%
April: 60.46%

This train just keeps on moving. DH and I are both on family leave for the next 3 months for the birth of our second kid (born mid April). He gets paid full salary for 4 weeks and a % of his salary for the remaining 8 weeks, I get paid short term disability ($2500 total) for 6 weeks. We're feeling extra fortunate to be able to take this time and settle into life as a family of 4 without much of an impact to our financial goals.

alcon835

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Re: Race to 100% FI
« Reply #53 on: May 01, 2021, 10:00:31 AM »
Tracking total Net Worth. Yearly numbers are from December 31st of that year. Monthly numbers are from the first of that month.

2017: 3.75%
2018: 9.14%
2019: 11.77%
2020: 21.82%

2021            FIRE            Lean FIRE           
April:   25.00%   29.02%
May:   26.29%   32.87%

DH and I are both on family leave for the next 3 months for the birth of our second kid (born mid April)... We're feeling extra fortunate to be able to take this time and settle into life as a family of 4 without much of an impact to our financial goals.

Congratulations!!!! That time off is HUGE! It is so encouraging to see companies doing things right and giving the family time off to adjust to a new baby.

   mar    95.3%

I am on the edge of my seat waiting to see how far you've grown in April!

I've enjoyed following along on this thread, I plan to post my numbers here soon, congrats to everyone on the strong progress!


I love that this race is growing! I'm glad to be here early and enjoy the "smallness" of the whole thing. I'm looking forward to seeing you updates for the month! The more folks who join, the more exciting the race for us all  :D

Alright, onto my numbers:

Tracking total Net Worth. Yearly numbers are from December 31st of that year. Monthly numbers are from the first of that month.

2017: 3.75%
2018: 9.14%
2019: 11.77%
2020: 21.82%

2021          FIRE          Lean FIRE           
April:25.00%29.02%
May:26.29%32.87%


It's been a good month for me. Some solid bonuses, a short vacation, and I got my second COVID vaccine on April 30th, so I'm officially in the "time to start getting back into the world" phase of my life.

Beyond the immediate stuff, I've been thinking a lot about what Lean FIRE would means to me. For me, Lean FIRE is a 5% withdraw rate. Assuming no major recession or tragedy, I can probably hit it in the next 2, maybe 3 years thanks to some big bets I've made on my current job.

5% withdraw is shaky if you stop earning an income, but I don't plan to stop earning an income at FIRE - at least not for awhile. I have a number of creative ideas I would like to pursue, many would earn me an income. I have a specific idea where I could use some of my stash to hire a friend of mine for a year or two and we could build something together that we've been dreaming about for awhile. Assuming it works, I could have earned my investment back in 1-2 years and be earning more than enough to get myself below a 4% withdraw rate.

It's weird to think about. I make a very high income in my current job and we're going to exit in the next 30 months. That exit means a big payout for me and potentially a life changing payout if the stars align (though I'm not banking on that). Even if my idea fails, I can easily pivot to another high paying, 9-to-5 job; my skills won't meaningfully deteriorate in 3 years. Seems like an extremely low risk opportunity.

All of this is dreaming, of course. Maybe we have a massive recession. Maybe I get laid off. Maybe my company doesn't exit and my shares aren't worth the 1's and 0's that make them up. Maybe I die before then. But it is still fun to dream about what that life would look like and how a higher withdraw rate can be worth the risk.
« Last Edit: May 29, 2021, 07:22:14 AM by alcon835 »

SwordGuy

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Re: Race to 100% FI
« Reply #54 on: May 01, 2021, 07:43:54 PM »
@rockstache, you are really racing along!   Good job!


SwordGuy

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Re: Race to 100% FI
« Reply #55 on: May 01, 2021, 07:46:04 PM »
@alcon835 , wow!   Your FI percentage is over 700% higher!   Way go to!

alcon835

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Re: Race to 100% FI
« Reply #56 on: May 03, 2021, 08:33:24 AM »
@alcon835 , wow!   Your FI percentage is over 700% higher!   Way go to!

Ha, thank you! really, the difference is I started focusing on savings/retirement after buying my first house and (at the same time) I tripled my income. I feel like this is cheat mode to an increase that big in such a short time.

alcon835

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Re: Race to 100% FI
« Reply #57 on: May 29, 2021, 07:19:28 AM »
Tracking total Net Worth. Yearly numbers are from December 31st of that year. Monthly numbers are from the first of that month.

2017: 3.75%
2018: 9.14%
2019: 11.77%
2020: 21.82%

2021     FIRE       Lean FIRE           
April:25.00%29.02%
May:26.29%32.87%
June:26.89%33.61%

June's not quite here yet, but my numbers won't change much over the next few days, so no harm in updating now.

Tough month. If it weren't for my contributions, I would have been negative.

I'm going on a real vacation for the first time in almost two years, so I'm looking forward to that. Being fully vaccinated also means my job wants me to start traveling again in June, so once I'm back from my time off, I'll be moving back into the pre-COVID travel schedule...which can be intense. My boss has confirmed I don't need to be in the office when I'm in town, so at least I'll get to keep up the flexibility of WFH I got to enjoy over the last year.

Here's to a summer that helps us all heal.
« Last Edit: May 31, 2021, 06:00:49 PM by alcon835 »

rockstache

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Re: Race to 100% FI
« Reply #58 on: May 31, 2021, 10:40:35 AM »

Found MMM/2013: 2.78%
2014: 4.91%
2015: 8.50%
2016: 14.06%
2017: 21.90%
2018: 25.97%
2019: 32.52%
2020: 52.40%


2021:

January: 54.18%
February: 55.69%
March: 56.96%
April: 60.46%
May: 60.54%

Not much of an improvement, but for a month where I didn't receive any paychecks I will take it!

dodojojo

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Re: Race to 100% FI
« Reply #59 on: May 31, 2021, 04:32:43 PM »
89% of current spend FI

57% of aspirational FI

alcon835

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Re: Race to 100% FI
« Reply #60 on: July 01, 2021, 01:25:19 PM »
Tracking total Net Worth. Yearly numbers are from December 31st of that year. Monthly numbers are from the first of that month.

2017: 3.75%
2018: 9.14%
2019: 11.77%
2020: 21.82%

2021     FIRE       Lean FIRE           
April:25.00%29.02%
May:26.29%32.87%
June:26.89%33.61%
July:27.87%34.84%

Update:
Just chugging along. Things have slowed down A LOT at work. I expected it to slow, but hoped we'd be further along when it did. Rattles me a bit as my bonuses have dropped significantly. Still, the market has been kind to my investments. I'm at that place where the monthly growth is above what I'm putting in - and I feel like I'm putting in an insanely high amount. It's weird to see that (good weird).

I wish I had friends around me I could talk through some of this stuff with. All my friends are either deeply in debt or have a very, very high income and no real savings/investing. I've encourage a few younger folks to follow the FIRE/Mustachian path (which is great!) but there's several years behind me in the journey. My DW supports me completely and totally and yet doesn't understand what we're doing. I give her some high level updates a few times a year and she celebrates with me, but I can tell she doesn't care as long as I'm happy and the bills are paid.

Anyway, neither here nor there. I think I'm just in a weird place going into July. Here's to a good month for us all!
« Last Edit: July 01, 2021, 03:20:42 PM by alcon835 »

rockstache

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Re: Race to 100% FI
« Reply #61 on: July 01, 2021, 02:47:43 PM »
89% of current spend FI

57% of aspirational FI

Awesome! When do you plan to pull the trigger? At aspirational FI, or sometime before?


@alcon835 our bonus just hit and was significantly lower this year too. I talk this stuff to death with my spouse, but don't have too many IRL friends to talk to about it either. A few have interest, but aren't as far along the path, so it isn't quite the same.

rockstache

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Re: Race to 100% FI
« Reply #62 on: July 01, 2021, 02:54:08 PM »

Found MMM/2013: 2.78%
2014: 4.91%
2015: 8.50%
2016: 14.06%
2017: 21.90%
2018: 25.97%
2019: 32.52%
2020: 52.40%


2021:

January: 54.18%
February: 55.69%
March: 56.96%
April: 60.46%
May: 60.54%
June: 62.17%

Another increase in a month without a paycheck, hooray! Boss called and asked if I wanted to extend my maternity leave until September, and YESSIR I do, so that will be a few more unpaid months. I'm so grateful to have the time off with the kids and the ability to say yes to unpaid time off.

In other exciting news, my Coast age (as per the equation below - credit to Arebelspy), just dropped below 46 years old. Woo!

Coast age=LN((1+7%)^Current age*FIRE#/Current stash)/LN((1+7%))

alcon835

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Re: Race to 100% FI
« Reply #63 on: July 01, 2021, 03:30:17 PM »
89% of current spend FI

57% of aspirational FI

Awesome! When do you plan to pull the trigger? At aspirational FI, or sometime before?

I want to know too!

@alcon835 our bonus just hit and was significantly lower this year too. I talk this stuff to death with my spouse, but don't have too many IRL friends to talk to about it either. A few have interest, but aren't as far along the path, so it isn't quite the same.

Yeah, most of the time it doesn't matter, but when I'd like to commiserate/celebrate with someone it would be nice.

Another increase in a month without a paycheck, hooray! Boss called and asked if I wanted to extend my maternity leave until September, and YESSIR I do, so that will be a few more unpaid months. I'm so grateful to have the time off with the kids and the ability to say yes to unpaid time off.

That is the best possible maternity leave phone call a person can get from their boss! CONGRATULATIONS!!!!!

SwordGuy

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Re: Race to 100% FI
« Reply #64 on: July 01, 2021, 07:55:57 PM »
Y'all are doing great!

Everybody else, it's halfway thru the year, let us know what your FI% is!

SAfAmBrit

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Re: Race to 100% FI
« Reply #65 on: July 10, 2021, 08:22:54 PM »
It is getting close enough to dream. I am currently in a stressful job and pretty burnt out. Hoping to squeeze out another 10 months in my current job and then dropping down the days I work if they will let me - April 2022 I will be fully vested and my bonus will pay out.

I am hoping to get the % to 80% by April 2022 . We are in a unique position that we have a pension (military) coming in each month already so will never be in a position we would not have an income.


2021

May - 60%
June - 61%


trc4897

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Re: Race to 100% FI
« Reply #66 on: July 16, 2021, 12:38:16 PM »
I'd like to join this race! I went back as far as I had records of:

201920202021
January11%23%36%
February12%24%37%
March12%21%39%
April14%24%41%
May15%26%42%
June15%26%43%
July15%28%44%
August16%30%-
September     16%29%-
October17%30%-
November18%33%-
December22%35%-

Estimating we hit 100% in November of 2025. 4 years to go! Although these numbers are with a 4% withdrawal rate and we are shooting for 3.25% to 3.5% to be a bit more conservative

pasadenafr

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Re: Race to 100% FI
« Reply #67 on: July 16, 2021, 01:07:33 PM »
Oh I like this too! I love all those races.

Went back a few years too. I'm counting all investments, savings and debts, all liquid. First years are end of year, 2021 forward will be end of month.


12/2014    2.47%
12/2015    4.41%
12/2016    7.79%
12/2017   11.94%
12/2018   15.68%
12/2019   24.70%
12/2020   33.96%
---
01/2021   34.81%
02/2021   35.77%
03/2021   36.49%
04/2021   38.59%
05/2021   38.88%
06/2021   40.14%

trc4897

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Re: Race to 100% FI
« Reply #68 on: July 20, 2021, 12:20:06 PM »
Oh I like this too! I love all those races.

Went back a few years too. I'm counting all investments, savings and debts, all liquid. First years are end of year, 2021 forward will be end of month.


12/2014    2.47%
12/2015    4.41%
12/2016    7.79%
12/2017   11.94%
12/2018   15.68%
12/2019   24.70%
12/2020   33.96%
---
01/2021   34.81%
02/2021   35.77%
03/2021   36.49%
04/2021   38.59%
05/2021   38.88%
06/2021   40.14%


Looks like we are at about the same point and are following a similar pace! Will be interested to follow along with you

alcon835

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Re: Race to 100% FI
« Reply #69 on: July 31, 2021, 07:30:15 AM »
Tracking total Net Worth. Yearly numbers are from December 31st of that year. Monthly numbers are from the first of that month.

2017: 3.75%
2018: 9.14%
2019: 11.77%
2020: 21.82%

2021     FIRE       Lean FIRE           
April:25.00%29.02%
May:26.29%32.87%
June:26.89%33.61%
July:27.87%34.84%
August:28.69%35.87%

Update:
July wasn't a great month for growth, but everything else moved forward as normal. Still chugging along towards FIRE at about the clip I expected. I'm hoping to hit 30% FIRE by October, which will put me at my 2021 goal three months early. If I can get there sooner, all the better!

Otherwise, July was pretty uneventful. I've started traveling again for work which is weird. Jumping from State to State I get to see how everyone is handling and thinking about COVID and everywhere is pretty dramatically different. I don't have any great insights into any of it, but it's certainly something I've been paying attention too.

pasadenafr

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Re: Race to 100% FI
« Reply #70 on: July 31, 2021, 08:57:53 AM »
I'm counting all investments, savings and debts, all liquid. First years are end of year, 2021 forward will be end of month.


12/2014    2.47%
12/2015    4.41%
12/2016    7.79%
12/2017   11.94%
12/2018   15.68%
12/2019   24.70%
12/2020   33.96%
---
01/2021   34.81%
02/2021   35.77%
03/2021   36.49%
04/2021   38.59%
05/2021   38.88%
06/2021   40.14%
07/2021   41.36%

pasadenafr

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Re: Race to 100% FI
« Reply #71 on: July 31, 2021, 08:58:28 AM »
Oh I like this too! I love all those races.

Went back a few years too. I'm counting all investments, savings and debts, all liquid. First years are end of year, 2021 forward will be end of month.


12/2014    2.47%
12/2015    4.41%
12/2016    7.79%
12/2017   11.94%
12/2018   15.68%
12/2019   24.70%
12/2020   33.96%
---
01/2021   34.81%
02/2021   35.77%
03/2021   36.49%
04/2021   38.59%
05/2021   38.88%
06/2021   40.14%


Looks like we are at about the same point and are following a similar pace! Will be interested to follow along with you

You're a little ahead of me. I'll follow your progress too!

rockstache

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Re: Race to 100% FI
« Reply #72 on: July 31, 2021, 01:45:07 PM »
Found MMM/2013: 2.78%
2014: 4.91%
2015: 8.50%
2016: 14.06%
2017: 21.90%
2018: 25.97%
2019: 32.52%
2020: 52.40%

2021:

January: 54.18%
February: 55.69%
March: 56.96%
April: 60.46%
May: 60.54%
June: 62.17%
July: 64.14%

Whew what a ride! I'm loving watching everyone's progress!

We sold our newer car this month and became a one car family. They paid us more for it than we bought it for two years ago, so that was a massive win and we added it right to the stash. I got a small bonus from work which was nice, and DH went back to work (which was less nice). Otherwise we're just chugging along. My projections say 6-7 more years, but the progress seems faster than that. We shall see!

SAfAmBrit

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Re: Race to 100% FI
« Reply #73 on: July 31, 2021, 05:13:56 PM »


2021

May - 60%
June - 61%
July - 63%

I will get a boost next week from company shares - currently my home is worth 80k more than I am accounting for - mybe I am closer than I think.

pasadenafr

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Re: Race to 100% FI
« Reply #74 on: August 06, 2021, 06:44:39 PM »
I'm counting all investments, savings and debts, all liquid. First years are end of year, 2021 forward will be end of month.


12/2014    2.47%
12/2015    4.41%
12/2016    7.79%
12/2017   11.94%
12/2018   15.68%
12/2019   24.70%
12/2020   33.96%
---
01/2021   34.81%
02/2021   35.77%
03/2021   36.49%
04/2021   38.59%
05/2021   38.88%
06/2021   40.14%
07/2021   41.36%


So I revised my FI number (I was essentially counting a bucket twice) so my updated progress:


12/2014    2.73%
12/2015    4.88%
12/2016    8.63%
12/2017   13.23%
12/2018   17.37%
12/2019   27.36%
12/2020   37.63%
---
01/2021   38.56%
02/2021   39.63%
03/2021   40.43%
04/2021   42.75%
05/2021   43.07%
06/2021   44.47%
07/2021   45.83%


(And since I'm here, I'm currently at 46.20%, one week into August)

SwordGuy

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Re: Race to 100% FI
« Reply #75 on: August 06, 2021, 07:14:54 PM »
Great progress everyone!

rockstache

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Re: Race to 100% FI
« Reply #76 on: August 31, 2021, 12:41:17 PM »
Found MMM/2013: 2.78%
2014: 4.91%
2015: 8.50%
2016: 14.06%
2017: 21.90%
2018: 25.97%
2019: 32.52%
2020: 52.40%

2021:

January: 54.18%
February: 55.69%
March: 56.96%
April: 60.46%
May: 60.54%
June: 62.17%
July: 64.14%
August: 65.79%

I'm headed back to work after 5 months off. I'm not excited exactly, but it will be good to be contributing again. Good luck all!


SAfAmBrit

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Re: Race to 100% FI
« Reply #77 on: August 31, 2021, 04:50:13 PM »
2021

May - 60%
June - 61%
July - 63%
August - 72%

A very exciting month. Wish I could jump like this every month.

pasadenafr

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Re: Race to 100% FI
« Reply #78 on: September 01, 2021, 06:44:24 AM »
So I revised my FI number (I was essentially counting a bucket twice) so my updated progress:


12/2014    2.73%
12/2015    4.88%
12/2016    8.63%
12/2017   13.23%
12/2018   17.37%
12/2019   27.36%
12/2020   37.63%
---
01/2021   38.56%
02/2021   39.63%
03/2021   40.43%
04/2021   42.75%
05/2021   43.07%
06/2021   44.47%
07/2021   45.83%


(And since I'm here, I'm currently at 46.20%, one week into August)


Date        % RE    % FI
12/2014    2.73%
12/2015    4.88%
12/2016    8.63%
12/2017   13.23%
12/2018   17.37%
12/2019   27.36%
12/2020   37.63%
---
01/2021   38.56%
02/2021   39.63%
03/2021   40.43%
04/2021   42.75%
05/2021   43.07%
06/2021   44.47%
07/2021   45.83%
08/2021   47.05%   59.75%


Aaaaand I changed it again. I think I'm done refining the thing, and I now have two numbers:

- % FI based on current expenses at 4% WR
- % RE based on expected RE expenses at 3.75% WR. The numbers above are % RE.





rockstache

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Re: Race to 100% FI
« Reply #79 on: September 01, 2021, 08:29:21 AM »
2021

May - 60%
June - 61%
July - 63%
August - 72%

A very exciting month. Wish I could jump like this every month.

Wow, that IS impressive! Nice month.

alcon835

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Re: Race to 100% FI
« Reply #80 on: September 02, 2021, 08:03:48 AM »
Tracking total Net Worth. Yearly numbers are from December 31st of that year. Monthly numbers are from the first of that month.

2017: 3.75%
2018: 9.14%
2019: 11.77%
2020: 21.82%

2021     FIRE       Lean FIRE           
April:25.00%29.02%
May:26.29%32.87%
June:26.89%33.61%
July:27.87%34.84%
August:28.69%35.87%
September:29.97%37.47%

Update:
Another month. Almost to 30%, which was my goal for 2021, so that's nice.

SwordGuy

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  • Location: Fayetteville, NC
Re: Race to 100% FI
« Reply #81 on: September 02, 2021, 08:39:41 AM »
So nice to see people racing along!   Hooray!

trc4897

  • 5 O'Clock Shadow
  • *
  • Posts: 42
Re: Race to 100% FI
« Reply #82 on: September 08, 2021, 08:21:01 AM »
Update for end of August

201920202021
January11%23%36%
February12%24%37%
March12%21%39%
April14%24%41%
May15%26%42%
June15%26%43%
July15%28%44%
August16%30%47%
September     16%29%-
October17%30%-
November18%33%-
December22%35%-

Estimating we hit 100% in September of 2025 now. Exactly 4 years to go!

SwordGuy

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  • Posts: 8182
  • Location: Fayetteville, NC
Re: Race to 100% FI
« Reply #83 on: September 08, 2021, 09:29:18 AM »
Update for end of August

201920202021
January11%23%36%
February12%24%37%
March12%21%39%
April14%24%41%
May15%26%42%
June15%26%43%
July15%28%44%
August16%30%47%
September     16%29%-
October17%30%-
November18%33%-
December22%35%-

Estimating we hit 100% in September of 2025 now. Exactly 4 years to go!

You did 37% in 2 years and you think it will take 4 years to do the remaining 53%?   I'm curious!   Usually the progression speeds up, not slows down.   

TyGuy

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  • Age: 27
  • Location: Oregon
Re: Race to 100% FI
« Reply #84 on: September 08, 2021, 12:19:33 PM »
Finally here to post my numbers after finding this thread several months ago, glad to see everyone progressing forward!


*First % is without a mortgage payment, second % is with current mortgage payment (13.5 years remaining at 1.75%)*

September 2021: 8.02%;  4.78%





I look forward to tracking my progress here with you all!

alcon835

  • Bristles
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  • Posts: 429
Re: Race to 100% FI
« Reply #85 on: September 08, 2021, 02:03:01 PM »
Finally here to post my numbers after finding this thread several months ago, glad to see everyone progressing forward!


*First % is without a mortgage payment, second % is with current mortgage payment (13.5 years remaining at 1.75%)*

September 2021: 8.02%;  4.78%

I look forward to tracking my progress here with you all!

Welcome to the thread!!! He's to racing to 100%!!!!
« Last Edit: September 09, 2021, 07:07:43 AM by alcon835 »

SwordGuy

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  • Posts: 8182
  • Location: Fayetteville, NC
Re: Race to 100% FI
« Reply #86 on: September 08, 2021, 02:39:30 PM »
Finally here to post my numbers after finding this thread several months ago, glad to see everyone progressing forward!

*First % is without a mortgage payment, second % is with current mortgage payment (13.5 years remaining at 1.75%)*

September 2021: 8.02%;  4.78%

I look forward to tracking my progress here with you all!

That's a good start!   It means you've got the ability to weather some dammits without them becoming disasters, and that's an important quality of life enhancer!

Looking forward to more updates!

trc4897

  • 5 O'Clock Shadow
  • *
  • Posts: 42
Re: Race to 100% FI
« Reply #87 on: September 10, 2021, 01:02:35 PM »
Update for end of August

201920202021
January11%23%36%
February12%24%37%
March12%21%39%
April14%24%41%
May15%26%42%
June15%26%43%
July15%28%44%
August16%30%47%
September     16%29%-
October17%30%-
November18%33%-
December22%35%-

Estimating we hit 100% in September of 2025 now. Exactly 4 years to go!

You did 37% in 2 years and you think it will take 4 years to do the remaining 53%?   I'm curious!   Usually the progression speeds up, not slows down.

This is me being (probably overly) conservative. I'm using a linear curve fit based on the data I have starting in 2019. If I switch to 2nd order curve fit, it looks like September 2023 we will hit 100%. I like to see that!

Thanks for the comment, sometimes I think I get overly conservative