I have updated the my money overview page. I still have some work to do on calculating our savings rate….of the entire year. I am a FIRE sloth… Even though I neglected our savings rate we are now 50%+ FIRE! It will probably drop sometime in the future when the next recession hits…but we’ll enjoy it while it lasts. We are also very close to owning 50% of our home. This all feels really good. It took us about 10 years to reach this number, so I guess we’ll reach FIRE within the next 10 years?
Here are the numbers:
December 2019
Mortgage: 49.14% (+ 0.09% almost half our house is actually ours! We are now focusing on investing, instead of paying off the mortgage)
Emergency fund: 128% (VWRL we’re coming at ya!)
Stash (= EF + stocks): 50.72% ( + 0.50% being 50% FIRE feels GOOOOODDDD)
Savings rate this month: under construction
Savings rate this year: under construction
November 2019
Mortgage: 49.05% (+ 0.14% almost half our house is actually ours! We are now focusing on investing, instead of paying off the mortgage)
Emergency fund: 126% (we will max out both our pension funds and start throwing extra at our regular stock fund, which is VWRL)
Stash (= EF + stocks): 50.22% ( + 0.94% WE ARE NOW HALFWAY TO FIRE!!!)
Savings rate this month: under construction
Savings rate this year: under construction
October 2019
Mortgage: 48.91% (+ 23% almost half our house is actually ours! We are now focusing on investing, instead of paying off the mortgage)
Emergency fund: 109% (excess will be invested in the hubby’s pension fund)
Stash (= EF + stocks): 49.28% ( + 1.31%)
Savings rate this month: under construction
Savings rate this year: under construction
September 2019
Mortgage: 48.68% (+ 0.46% almost half our house is actually ours! We are now focusing on investing, instead of paying off the mortgage)
Emergency fund: 128% (excess will be invested in our pension funds this month)
Stash (= EF + stocks): 47.97% ( + 0.77%)
Savings rate this month: under construction
Savings rate this year: under construction
August 2019
Mortgage: 48.22% (+ 0.23% almost half our house is actually ours! We are now focusing on investing, instead of paying off the mortgage)
Emergency fund: 127% (we added a lot of money to our retirement account…but still, just after our salaries come at the end of the month our total emergency fund is up)
Stash (= EF + stocks): 47.20% ( + 0.1%, even though we put thousands towards our investments…that’s what the roller coaster ride is all about….)
Savings rate this month: under construction
Savings rate this year: under construction
EconoWiser 