Early Retirement Tracker – September 2018

Time for my newest update when it comes to tracking my early retirement, and things are looking good after the August net worth update. I actually expected more positive news when doing this, but it looks like things ended up remaining relatively flat compared to the net worth trend. I’m thinking this is probably just because of the increase in spending over the past few months, and it will flatten out in the coming months. I will continue to just focus on what I can control, which is continuing to save and keeping my expenses down wherever possible.

A reminder of the three ways I will tracking my progress:

  1. The first way will actually be with a simple excel calculator that I made. I’ll plug in my current monthly expenses, savings rate, and net worth. And the calculator will say just how long I have until retirement. Maybe it will say that I can retire tomorrow?
  2. The second way I’ll be calculating this is through an equation and the help of Wolfram Alpha.
  3. The third and final way I’ll be calculating my early retirement date is with the help of Mad Fientist Laboratory. I’ll input expenses, savings, and net worth and let his calculations do the rest of the work.

Retirement estimation based on 4% market growth:

Retirement estimation based on 7% market growth:

Nice increase on the net worth side, but didn’t translate much to any changes on this side. I’m thinking this may be the start of things flattening out? There was the fact that average expenses crept up, so the net worth increase probably wasn’t much to change that. We’ll see how this continues over the next few months, I might finally be settling in around 11-15 years depending on the growth rate.

Retirement estimation if I never save another dollar:

Nice progress here, I’ve managed to drop it down to 33.9 years at this point. The net worth increase will always show up here, especially


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