The Real Estate Financial Planner Blueprint™
SS 017 Investing $100,000 in 20% DP Rentals and Stocks at 8.97%/yr

Achieved Financial Independence
First achieved in Month 444

The following  Goal chart shows our progress toward achieving this goal of financial independence.

Financial independence is typically a combination of the Safe Withdrawl Rate for the  Scenario from the  Account and the cash flow from  Properties.

We typically think of hitting our Target Monthly Income in Retirement of $5,000 in today's inflation-adjusted dollars, let's look at the Total True Cash Flow and Account Balances in inflation-adjusted values.

The following chart shows the total of all Account Balances for the  Scenario.

The following charts show Total True Cash Flow™ all rental properties. Let's start with the sum.

Next, let's look at the Total True Cash Flow™ for each rental properties (graphically summed/stacked).

And, here's the Total True Cash Flow™ for each rental properties individually just for the month when we first achieve financial independence, Month 444.

Return in Dollars + Reserves

Here's the return in dollars + reserves for the  Properties owned.

Property Appreciation Cash Flow Debt Paydown Cash Flow from Deprec.™ +12 Mos Reserves @ 8% RID+R12™ Total
4/2 SFH - 20% DP 1 $26,867 $40,553 $0 $0 $1,931 $69,351
4/2 SFH - 20% DP 2 $26,867 $40,430 $0 $0 $1,928 $69,225
4/2 SFH - 20% DP 3 $26,867 $19,654 $15,971 $2,120 $3,641 $68,254
4/2 SFH - 20% DP 4 $26,867 $15,952 $15,143 $2,428 $3,874 $64,264
4/2 SFH - 20% DP 5 $26,867 $13,923 $14,568 $2,679 $4,087 $62,124
4/2 SFH - 20% DP 6 $26,867 $11,226 $14,123 $2,899 $4,252 $59,367
4/2 SFH - 20% DP 7 $26,867 $9,595 $13,759 $3,099 $4,420 $57,739
4/2 SFH - 20% DP 8 $26,867 $7,702 $13,442 $3,287 $4,572 $55,871
4/2 SFH - 20% DP 9 $26,867 $6,993 $13,197 $3,445 $4,719 $55,221
4/2 SFH - 20% DP 10 $26,867 $4,610 $12,995 $3,583 $4,806 $52,861
Totals: $268,670 $170,638 $113,198 $23,541 $38,230 $614,277

Return on Equity + Reserves

Here's the return on equity + reserves for the  Properties owned that have rent. We are specifically excluding owner-occupied property here.

Property Appreciation Cash Flow Debt Paydown Cash Flow from Deprec.™ +12 Mos Reserves @ 8% ROE+R12™ Total
4/2 SFH - 20% DP 1 2.88% 4.35% 0.21% 7.44%
4/2 SFH - 20% DP 2 2.88% 4.34% 0.21% 7.43%
4/2 SFH - 20% DP 3 3.25% 2.38% 1.93% 0.26% 0.44% 8.26%
4/2 SFH - 20% DP 4 3.66% 2.17% 2.06% 0.33% 0.53% 8.75%
4/2 SFH - 20% DP 5 4.06% 2.10% 2.20% 0.40% 0.62% 9.39%
4/2 SFH - 20% DP 6 4.48% 1.87% 2.36% 0.48% 0.71% 9.90%
4/2 SFH - 20% DP 7 4.94% 1.76% 2.53% 0.57% 0.81% 10.61%
4/2 SFH - 20% DP 8 5.45% 1.56% 2.73% 0.67% 0.93% 11.34%
4/2 SFH - 20% DP 9 5.97% 1.55% 2.93% 0.77% 1.05% 12.27%
4/2 SFH - 20% DP 10 6.51% 1.12% 3.15% 0.87% 1.16% 12.81%
Totals: 4.08% 2.59% 1.72% 0.36% 0.58% 9.33%

Asset Allocation

How are assets allocated? Let's first look at this month.

And how have they looked over time up to this month?

Phases of Financial Independence™

With a Minimum Target Monthly Income in Retirement™ of $5,000 and a Ideal Target Monthly Income in Retirement™ of $20,000 at the time of achieving your  Goal of financial independence, let's look at the Phases of Financial Independence™.

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