The Real Estate Financial Planner Blueprint™
25 Pay Off Owner-Occupant if FI While Nomading™

Achieved Financial Independence
First achieved in Month 612

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 $11,000 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 612.

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 Vallejo, California Nomad™ Property 1	$72,921	$115,509	$0	$0	$3,213	$191,643
Typical Vallejo, California Nomad™ Property 2	$72,921	$114,478	$0	$0	$3,204	$190,603
Typical Vallejo, California Nomad™ Property 3	$72,921	$114,136	$0	$6,178	$3,201	$196,435
Typical Vallejo, California Nomad™ Property 4	$72,921	$25,939	$55,795	$7,807	$10,502	$172,963
Typical Vallejo, California Nomad™ Property 5	$72,921	$7,278	$45,688	$9,230	$11,811	$146,927
Typical Vallejo, California Nomad™ Property 6	$72,921	-$7,678	$38,984	$10,544	$13,038	$127,807
Typical Vallejo, California Nomad™ Property 7	$72,921	-$23,093	$33,756	$11,896	$14,302	$109,781
Typical Vallejo, California Nomad™ Property 8	$72,921	-$47,746	$29,228	$13,422	$16,182	$84,007
Typical Vallejo, California Nomad™ Property 9^*	$72,906	$0	$23,537	$0	$16,221	$112,663
Totals:	$656,270	$298,823	$226,987	$59,077	$91,674	$1,332,830
^* 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 Vallejo, California Nomad™ Property 1	2.91%	4.61%	—	—	0.13%	7.65%
Typical Vallejo, California Nomad™ Property 2	2.91%	4.57%	—	—	0.13%	7.61%
Typical Vallejo, California Nomad™ Property 3	2.91%	4.56%	—	0.25%	0.13%	7.85%
Typical Vallejo, California Nomad™ Property 4	3.54%	1.26%	2.71%	0.38%	0.51%	8.40%
Typical Vallejo, California Nomad™ Property 5	4.38%	0.44%	2.75%	0.55%	0.71%	8.83%
Typical Vallejo, California Nomad™ Property 6	5.44%	-0.57%	2.91%	0.79%	0.97%	9.54%
Typical Vallejo, California Nomad™ Property 7	7.06%	-2.24%	3.27%	1.15%	1.39%	10.63%
Typical Vallejo, California Nomad™ Property 8	10.24%	-6.70%	4.10%	1.88%	2.27%	11.79%
Totals:	4.07%	2.09%	1.42%	0.41%	0.53%	8.52%

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 $11,000 and a Ideal Target Monthly Income in Retirement™ of $17,000 at the time of achieving your Goal of financial independence, let's look at the Phases of Financial Independence™.

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