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

Achieved Financial Independence
First achieved in Month 96

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 96.

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 Memphis, Tennessee Nomad™ Property 1 $4,958 $17,537 $2,077 $880 $1,508 $26,960
Typical Memphis, Tennessee Nomad™ Property 2 $4,958 $17,131 $2,005 $906 $1,540 $26,541
Typical Memphis, Tennessee Nomad™ Property 3 $4,958 $15,694 $1,936 $933 $1,655 $25,177
Typical Memphis, Tennessee Nomad™ Property 4 $4,958 $15,331 $1,869 $961 $1,684 $24,804
Typical Memphis, Tennessee Nomad™ Property 5 $4,958 $14,958 $1,804 $990 $1,714 $24,424
Typical Memphis, Tennessee Nomad™ Property 6* $4,957 $0 $1,600 $0 $1,367 $7,925
Totals: $29,750 $80,651 $11,291 $4,670 $9,469 $135,829
* 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 Memphis, Tennessee Nomad™ Property 1 8.15% 28.82% 3.41% 1.45% 2.48% 44.30%
Typical Memphis, Tennessee Nomad™ Property 2 8.95% 30.91% 3.62% 1.63% 2.78% 47.89%
Typical Memphis, Tennessee Nomad™ Property 3 9.74% 30.83% 3.80% 1.83% 3.25% 49.45%
Typical Memphis, Tennessee Nomad™ Property 4 10.97% 33.91% 4.13% 2.13% 3.72% 54.85%
Typical Memphis, Tennessee Nomad™ Property 5 12.58% 37.94% 4.58% 2.51% 4.35% 61.96%
Totals: 9.84% 32.03% 3.85% 1.85% 3.22% 50.79%

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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