The Real Estate Financial Planner Blueprint™
02 Nomad™ Earn 10% Less Income from Job

Achieved Financial Independence
First achieved in Month 135

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 135.

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 Rochester, New York Nomad™ Property 1 $6,176 $11,451 $2,876 $1,002 $1,818 $23,322
Typical Rochester, New York Nomad™ Property 2 $6,176 $11,100 $2,776 $1,033 $1,846 $22,930
Typical Rochester, New York Nomad™ Property 3 $6,176 $10,739 $2,680 $1,064 $1,875 $22,533
Typical Rochester, New York Nomad™ Property 4 $6,176 $10,367 $2,587 $1,095 $1,904 $22,130
Typical Rochester, New York Nomad™ Property 5 $6,176 $9,862 $2,497 $1,128 $1,945 $21,608
Typical Rochester, New York Nomad™ Property 6 $6,176 $8,073 $2,411 $1,162 $2,088 $19,909
Typical Rochester, New York Nomad™ Property 7 $6,176 $7,621 $2,327 $1,197 $2,124 $19,445
Typical Rochester, New York Nomad™ Property 8 $6,176 $7,156 $2,247 $1,233 $2,161 $18,972
Typical Rochester, New York Nomad™ Property 9* $6,174 $0 $1,993 $0 $1,821 $9,988
Totals: $55,579 $76,368 $22,393 $8,915 $17,581 $180,837
* 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 Rochester, New York Nomad™ Property 1 6.42% 11.91% 2.99% 1.04% 1.89% 24.25%
Typical Rochester, New York Nomad™ Property 2 6.89% 12.39% 3.10% 1.15% 2.06% 25.59%
Typical Rochester, New York Nomad™ Property 3 7.45% 12.95% 3.23% 1.28% 2.26% 27.18%
Typical Rochester, New York Nomad™ Property 4 8.11% 13.62% 3.40% 1.44% 2.50% 29.07%
Typical Rochester, New York Nomad™ Property 5 8.90% 14.22% 3.60% 1.63% 2.80% 31.16%
Typical Rochester, New York Nomad™ Property 6 9.69% 12.67% 3.78% 1.82% 3.28% 31.24%
Typical Rochester, New York Nomad™ Property 7 10.90% 13.45% 4.11% 2.11% 3.75% 34.33%
Typical Rochester, New York Nomad™ Property 8 12.49% 14.48% 4.55% 2.49% 4.37% 38.38%
Totals: 8.46% 13.08% 3.49% 1.53% 2.70% 29.26%

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 $7,000 at the time of achieving your  Goal of financial independence, let's look at the Phases of Financial Independence™.

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