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Home > Archive: May, 2025
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Archive for May, 2025
May 31st, 2025 at 06:40 pm
Finally a decent month for retirement growth. We're at Coast FIRE with a surplus of $72K; the calculator says I could plan to retire at 64 instead of 65 and still be Coast!
It really really burns me that while I'm riding the waves of market volatility, all sorts of speculators with inside info are getting even richer by figuring out when some stupid Trump move is gonna make the market crash and rise again. But whatever. Just gonna keep on keeping on.
| Assets |
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| NT's UK pensions: |
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| AV1: 29,509 pounds |
$36,886 |
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| SW: 37,117 pounds |
$46,396 |
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| AV2: 7,971 pounds |
$9,964 |
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| NT's trad. rollover IRA |
$137,592 |
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| NT's Roth IRA |
$91,861 |
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| NT's SEP IRA |
$7,876 |
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| NT's AAC acct |
$10,331 |
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| AS's trad. rollover IRA |
$34,387 |
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| AS's Roth IRA |
$129,224 |
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| AS's SEP IRA |
$92,507 |
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| AS's Nevada acct (approx amt) |
$380 |
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| CJ's trad. rollover IRA |
$294,079 |
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| CJ's Roth IRA |
$99,202 |
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| CJ/NT/AS house ($643,000 value -6%) |
$604,420 |
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| CJ/NT/AS rental property ($599,000 value -6%) |
$563,060 |
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| TOTAL ASSETS |
$2,158,165 |
retirement only: |
$990,685 |
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| Debt |
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| Main mortgage |
$326,698 |
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| Rental property mortgage |
$373,651 |
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| Loan from friends (main house) |
$9,000 |
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| TOTAL DEBT |
$709,349 |
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| Current Estimated Net Worth May 2025 |
$1,448,816 |
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| March 2025 estimate: |
$1,409,271 |
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| Change in net worth |
$39,545 |
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| COAST FIRE: |
https://walletburst.com/tools/coast-fire-calc/ |
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| retirement goal |
$1.59 million by 2039 (CJ age 65) |
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| Current age: 51 |
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| Retirement age: 65 |
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| Annual spending in retirement: $63,600 |
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| Monthly contribution: $250 |
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| Investment growth rate: 7% |
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| Inflation rate: 3% |
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| Withdrawal rate: 4% |
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| Current invested assets |
$990,685 |
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| Coast FIRE number at current age |
$918,185 |
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| Current status: at Coast FIRE with surplus: |
$72,500 |
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| Coast FIRE budget |
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| Ideal budget |
Monthly |
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| Housing |
$0 |
(rent will cover prop expenses) |
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| Healthcare |
$1,500 |
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| Groceries |
$1,000 |
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| Fun |
$1,500 |
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| Travel |
$1,000 |
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| Utilities |
$500 |
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| Giving |
$500 |
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| Home improvement |
$500 |
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| Gifts |
$250 |
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| Transportation |
$250 |
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| Monthly |
$7,000 |
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| Minus add'l rental income |
-$1,700 |
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| Total monthly |
$5,300 |
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| Annual |
$63,600 |
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| SSN estimates 2024 |
Start age 62 |
Start age 70 |
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| Monthly benefit |
$4,200 |
$7,200 |
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| Plus monthly from retirement |
$5,300 |
$5,300 |
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| Total monthly |
$9,500 |
$12,500 |
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Posted in
Tracking Net Worth
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