retired in 2005 at 55. NW includes all assets...cash, house, cars, investment accounts but does not include monthly pensions or SS. we have zero debt other than that which is incurred during any given month. CCs are paid in full each month.
NW has increased ~140% since FIRE date and up nearly 14% compared to the end of 2019. Using the calculator Audrey cited inflation rose ~30% between Jan 2006 and December 2019. i track our gross NW weekly.
we have positive cash flow each month and have a 0% withdrawal rate since we get by quite nicely on pensions and SS. life is not good, it's great.
Ham Radio, Sport Pilot, RVer
FIRE: 8/11/2005, age 55y,1d
Administrator for a regional 9-1-1 call center