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Old 10-31-2019, 12:42 PM   #2041
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Mint says I am worth 1.6 mil but almost 800k is in my house.

Milestones I count 401k and Roth hit an all time high of $720k yesterday and I owe 29k on my house.

House will be paid off in 10 months, Retirement starts in 12/13 months.

The count down has started.
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Old 11-02-2019, 06:51 AM   #2042
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November 1st 2019 has been the highest my portfolio has ever been. When I retired I was just hoping to stay about the same amount in my portfolio through the years, but it has exceeded my expectations. I have a lot to be thankful for.
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Old 11-02-2019, 10:53 AM   #2043
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DW and I are planning to use the constant % of current portfolio balance withdrawal strategy when we're both retired, and plan to go with 4%. As of 11/1/2019, we reached a point where a 4% withdrawal + DWs expected pension would allow annual discretionary spending that would represent a little more than 60% of total spending - offering a nice buffer.
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Old 11-02-2019, 02:45 PM   #2044
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Saw two commas for the first time today!
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Old 11-02-2019, 05:21 PM   #2045
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That's a fun milestone. Congrats to you!
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Old 11-02-2019, 08:28 PM   #2046
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That's a fun milestone. Congrats to you!
Thanks! I'm sure it'll dip below that fun line multiple times before the total gets high enough to stay, but seeing it for the first time is so exciting.
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Old 11-02-2019, 08:36 PM   #2047
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Well I'd better get in here quick before the market drops lol

First time saw the savings/investment accounts cross the 800k mark. My YTD rate of return is 18%. Last year it was -9%.
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Old 11-03-2019, 05:25 PM   #2048
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November 1st 2019 has been the highest my portfolio has ever been. When I retired I was just hoping to stay about the same amount in my portfolio through the years, but it has exceeded my expectations. I have a lot to be thankful for.

Same here. I have been setting sporadic records ever since I retired a year and a half ago. Still worry a little about sequence risk but.....


Feel much more comfortable about blowing the dough now.
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Old 11-05-2019, 05:11 AM   #2049
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I total the RE investment NW monthly. Like many others, hit a new all time high recently in spite of funding 2.5 years of RE. Also hit a new $million multiple. Likely to blow some soon. It goes against the saver's muscle memory big time, but what is it for anyway?
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Old 11-05-2019, 06:08 AM   #2050
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Multiple daily highs recently too, but only up ~5% since retirement, so still very conscious of SORR.
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Old 11-06-2019, 02:30 PM   #2051
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Originally Posted by Vacation4us View Post
Mint says I am worth 1.6 mil but almost 800k is in my house.

Milestones I count 401k and Roth hit an all time high of $720k yesterday and I owe 29k on my house.

House will be paid off in 10 months, Retirement starts in 12/13 months.

The count down has started.
That's great! Keep it going. It will feel nice when you get the house paid off. Will you downsize in house after retiring?
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Old 11-07-2019, 02:06 AM   #2052
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That's great! Keep it going. It will feel nice when you get the house paid off. Will you downsize in house after retiring?
No plans to downsize. Even though the house value is high I would have to leave California and move to a LCOL state to see any money.

Plan has always been to keep expenses low in retirement by having no house payment. As I age if I need more funds I will always have the option to sell.
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Old 11-07-2019, 06:39 PM   #2053
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No plans to downsize. Even though the house value is high I would have to leave California and move to a LCOL state to see any money.

Plan has always been to keep expenses low in retirement by having no house payment. As I age if I need more funds I will always have the option to sell.
Similar situation here - house is a large percentage of networth, but since it's paid off, it allows for a low expense place to live in a nice part of the world. If TSHTF, we can sell, and buy or rent someplace cheaper. In the meantime our investments give us plenty to live off of.
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Old 11-07-2019, 06:42 PM   #2054
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No plans to downsize. Even though the house value is high I would have to leave California and move to a LCOL state to see any money.

Plan has always been to keep expenses low in retirement by having no house payment.
I'm not sure where in Northern CA you live, but starting housing values range from low $100Ks to over $1M, depending on where you are (SF, Sacramento vs. small towns). Chico and Redding have reasonable prices, if not reasonable weather, for example.
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Old 11-09-2019, 09:01 AM   #2055
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With yesterdays stock market close we hit an investable net worth of just over $4 mil. I am sure it will dip below that point at some time, but at least I can say I made it at some point.
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Old 11-09-2019, 09:24 AM   #2056
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With yesterdays stock market close we hit an investable net worth of just over $4 mil. I am sure it will dip below that point at some time, but at least I can say I made it at some point.
Wow, that is really impressive...Congrats
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Old 11-09-2019, 05:26 PM   #2057
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I'm not sure where in Northern CA you live, but starting housing values range from low $100Ks to over $1M, depending on where you are (SF, Sacramento vs. small towns). Chico and Redding have reasonable prices, if not reasonable weather, for example.
We rent in Castro Valley,Ca. Home is Orange County,Ca. Canít wait to move back to my paid for home in 12 months.

SoCal is still nicer and cheaper all the way around than NoCal but it is true there are cheaper places to live in California.
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Old 11-09-2019, 06:56 PM   #2058
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In three and a half years into retirement our investment (not Net Worth) as of today has grown to over 1m more then the day I retired. Like the rest it has hit an all time high but I know it will dip back down again then back up.
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Old 11-09-2019, 07:30 PM   #2059
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Not a financial milestone, but a personal one. We just celebrated out 12th anniversary. We were both widowed, and met each other on a grief recovery website.
I am hoping to make it to our 25th. I will be 94, and DW will be 89
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Old 11-09-2019, 10:53 PM   #2060
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SoCal is still nicer and cheaper all the way around than NoCal
There are a lot of folk in Northern California who would disagree with that statement (the "nicer" part) and, of course, it depends on exactly what part of NoCal you are comparing with what part of SoCal. I lived in LA for 20 years and have now lived in the Bay Area for 10 years and appreciate both, for different reasons.
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