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Old 02-25-2016, 01:13 PM   #41
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Originally Posted by Omalley View Post
It sounds like your calculation is then Investable Assets minus Debt. This is the primary number I focus on myself, as these are the only amounts that I can rely on to generate 'income' during retirement.
This is what we are focusing on as well. Counting the months down, and we "know" that our house and its 20+ acres, which is adjacent to a new development (complete with streets deadending our way) is worth a lot more than what we will spend on a future abode. Nonetheless, not included in retirement calculations, since we don't know when/if we will receive the proverbial offer that we can't refuse.

OMY * 3 2ish
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Old 09-02-2016, 05:31 AM   #42
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Join Date: Aug 2012
Location: Chicago, IL
Posts: 43
Updating for 2016:

Investable Assets Minus debts (to borrow Omalley's nomenclature): $1,005,060

Trying to max out 401k's, backdoor roths and then save as much as we can in vanguard post tax accounts.

We had our second kid, so now that's an additional $2500 a month in daycare. We refinanced our mortgage from 15 years to 30 years to give some breathing space in monthly cash outflow. Will probably accelerate payments in 3 years when 2nd kid also goes to (slightly) cheaper preK.

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Old 09-02-2016, 07:23 AM   #43
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Excellent! First "M" is the hardest!


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