The Real Estate Financial Planner Blueprint™
01 Nomad™ Earn 10% More Income from Job

Achieved Financial Independence
First achieved in Month 408

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 $9,000 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 408.

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
Typical Modesto, California Nomad™ Property 1 $32,867 $61,814 $0 $0 $1,466 $96,146
Typical Modesto, California Nomad™ Property 2 $32,867 $63,249 $0 $2,784 $1,479 $100,379
Typical Modesto, California Nomad™ Property 3 $32,867 $24,395 $28,202 $3,196 $4,444 $93,104
Typical Modesto, California Nomad™ Property 4 $32,867 $19,588 $24,276 $3,624 $4,844 $85,199
Typical Modesto, California Nomad™ Property 5 $32,867 $14,349 $21,021 $4,089 $5,279 $77,604
Typical Modesto, California Nomad™ Property 6 $32,867 $7,881 $18,201 $4,614 $5,765 $69,328
Typical Modesto, California Nomad™ Property 7 $32,867 $1,432 $15,900 $5,167 $6,281 $61,647
Typical Modesto, California Nomad™ Property 8 $32,867 -$4,150 $14,304 $5,646 $6,727 $55,393
Typical Modesto, California Nomad™ Property 9 $32,867 -$17,594 $12,868 $6,170 $7,866 $42,176
Typical Modesto, California Nomad™ Property 10* $32,867 $0 $12,277 $0 $7,477 $52,621
Totals: $328,666 $170,964 $147,048 $35,292 $51,627 $733,596
* Denotes a property that had no rent for at least part of the period covered.

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
Typical Modesto, California Nomad™ Property 1 2.91% 5.48% — — 0.13% 8.52%
Typical Modesto, California Nomad™ Property 2 2.91% 5.60% — 0.25% 0.13% 8.89%
Typical Modesto, California Nomad™ Property 3 3.19% 2.37% 2.74% 0.31% 0.43% 9.04%
Typical Modesto, California Nomad™ Property 4 3.66% 2.18% 2.71% 0.40% 0.54% 9.50%
Typical Modesto, California Nomad™ Property 5 4.28% 1.87% 2.73% 0.53% 0.69% 10.10%
Typical Modesto, California Nomad™ Property 6 5.16% 1.24% 2.86% 0.72% 0.90% 10.88%
Typical Modesto, California Nomad™ Property 7 6.46% 0.28% 3.13% 1.02% 1.23% 12.12%
Typical Modesto, California Nomad™ Property 8 8.14% -1.03% 3.54% 1.40% 1.67% 13.72%
Typical Modesto, California Nomad™ Property 9 10.89% -5.83% 4.26% 2.04% 2.61% 13.97%
Totals: 4.35% 2.51% 1.98% 0.52% 0.65% 10.01%

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 $9,000 and a Ideal Target Monthly Income in Retirement™ of $13,000 at the time of achieving your  Goal of financial independence, let's look at the Phases of Financial Independence™.

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