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10-31-2019, 11:42 AM
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#2041
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Full time employment: Posting here.
Join Date: Oct 2018
Posts: 530
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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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11-02-2019, 05:51 AM
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#2042
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Nov 2016
Posts: 9,521
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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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11-02-2019, 09:53 AM
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#2043
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Full time employment: Posting here.
Join Date: Jul 2005
Posts: 617
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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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11-02-2019, 01:45 PM
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#2044
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Recycles dryer sheets
Join Date: Mar 2018
Location: CONUS
Posts: 187
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Saw two commas for the first time today! 
__________________
W*rking hard, enjoying life.
Target: RE at 42 in '28 but subject to change because life be like that sometimes
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11-02-2019, 04:21 PM
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#2045
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Thinks s/he gets paid by the post
Join Date: Jan 2016
Location: Rural Alabama
Posts: 1,359
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That's a fun milestone. Congrats to you!
__________________
Projected retirement--2020 at age 48 (done!)
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11-02-2019, 07:28 PM
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#2046
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Recycles dryer sheets
Join Date: Mar 2018
Location: CONUS
Posts: 187
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 Quote:
Originally Posted by ugeauxgirl
That's a fun milestone. Congrats to you!
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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.
__________________
W*rking hard, enjoying life.
Target: RE at 42 in '28 but subject to change because life be like that sometimes
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11-02-2019, 07:36 PM
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#2047
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Thinks s/he gets paid by the post
Join Date: Jul 2013
Posts: 1,046
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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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11-03-2019, 04:25 PM
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#2048
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Recycles dryer sheets
Join Date: Mar 2012
Posts: 388
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Quote:
Originally Posted by street
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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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.
__________________
FIRE'd---4/27/2018 @ 54. DW--RE date 03/01/19.
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11-05-2019, 04:11 AM
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#2049
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Dec 2015
Location: Michigan
Posts: 5,003
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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?
__________________
"The mountains are calling, and I must go." John Muir
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11-05-2019, 05:08 AM
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#2050
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2018
Location: Tampa
Posts: 11,298
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Multiple daily highs recently too, but only up ~5% since retirement, so still very conscious of SORR.
__________________
TGIM
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11-06-2019, 01:30 PM
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#2051
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Thinks s/he gets paid by the post
Join Date: Mar 2007
Posts: 1,860
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Quote:
Originally Posted by Vacation4us
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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That's great! Keep it going. It will feel nice when you get the house paid off. Will you downsize in house after retiring?
__________________
"Live every day as if it were your last, and one day you'll be right" - unknown
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11-07-2019, 01:06 AM
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#2052
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Full time employment: Posting here.
Join Date: Oct 2018
Posts: 530
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Quote:
Originally Posted by Finance Dave
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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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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11-07-2019, 05:39 PM
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#2053
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Moderator
Join Date: Apr 2012
Location: San Diego
Posts: 14,212
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Quote:
Originally Posted by Vacation4us
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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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.
__________________
Retired June 2014. No longer an enginerd - now I'm just a nerd.
micro pensions 6%, rental income 20%
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11-07-2019, 05:42 PM
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#2054
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Thinks s/he gets paid by the post
Join Date: Dec 2017
Posts: 2,555
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Quote:
Originally Posted by Vacation4us
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.
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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.
__________________
Balance in everything.
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11-09-2019, 08:01 AM
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#2055
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Recycles dryer sheets
Join Date: Aug 2013
Posts: 212
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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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11-09-2019, 08:24 AM
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#2056
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Recycles dryer sheets
Join Date: Jan 2015
Location: Boerne
Posts: 421
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Quote:
Originally Posted by Hopeful
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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Wow, that is really impressive...Congrats
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11-09-2019, 04:26 PM
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#2057
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Full time employment: Posting here.
Join Date: Oct 2018
Posts: 530
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Quote:
Originally Posted by HNL Bill
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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We rent in Castro Valley,Ca. Home is Orange County,Ca. Can’t 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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11-09-2019, 05:56 PM
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#2058
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Nov 2016
Posts: 9,521
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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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11-09-2019, 06:30 PM
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#2059
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Thinks s/he gets paid by the post
Join Date: Dec 2015
Location: Santa Paula
Posts: 4,076
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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
__________________
Retired Jan 2009 Have not looked back.
AA 60/35/5 considering SS and pensions a SP annuity
WR 2% with 2SS & 2 Pensions
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11-09-2019, 09:53 PM
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#2060
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Thinks s/he gets paid by the post
Join Date: Nov 2009
Location: SF East Bay
Posts: 4,342
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Quote:
Originally Posted by Vacation4us
SoCal is still nicer and cheaper all the way around than NoCal
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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.
__________________
Contentedly ER, with 3 furry friends (now, sadly, 1).
Planning my escape to the wide open spaces in my campervan (with my remaining kitty, of course!)
On a mission to become the world's second most boring man.
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