The Real Estate Financial Planner Blueprint™
08 Buy 10 Nomads™ with 5% Premium

Achieved Financial Independence
First achieved in Month 986

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 $26,000 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 986.

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 Berkeley, California Nomad™ Property with 5% Premium 1 $429,804 $582,179 $0 $0 $18,228 $1,030,212
Typical Berkeley, California Nomad™ Property with 5% Premium 2 $429,804 $575,031 $0 $0 $18,165 $1,023,001
Typical Berkeley, California Nomad™ Property with 5% Premium 3 $429,804 $564,441 $0 $0 $18,071 $1,012,316
Typical Berkeley, California Nomad™ Property with 5% Premium 4 $429,804 $582,179 $0 $38,555 $18,228 $1,068,767
Typical Berkeley, California Nomad™ Property with 5% Premium 5 $429,804 -$31,295 $322,737 $51,560 $65,729 $838,536
Typical Berkeley, California Nomad™ Property with 5% Premium 6 $429,804 -$145,137 $259,658 $61,869 $75,306 $681,502
Typical Berkeley, California Nomad™ Property with 5% Premium 7 $429,804 -$270,416 $215,772 $72,256 $84,859 $532,275
Typical Berkeley, California Nomad™ Property with 5% Premium 8* $429,804 $0 $170,064 $0 $102,422 $702,291
Totals: $3,438,435 $1,856,983 $968,232 $224,240 $401,008 $6,888,899
* 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 Berkeley, California Nomad™ Property with 5% Premium 1 2.91% 3.95% — — 0.12% 6.98%
Typical Berkeley, California Nomad™ Property with 5% Premium 2 2.91% 3.90% — — 0.12% 6.94%
Typical Berkeley, California Nomad™ Property with 5% Premium 3 2.91% 3.83% — — 0.12% 6.86%
Typical Berkeley, California Nomad™ Property with 5% Premium 4 2.91% 3.95% — 0.26% 0.12% 7.25%
Typical Berkeley, California Nomad™ Property with 5% Premium 5 3.85% -0.28% 2.89% 0.46% 0.59% 7.51%
Typical Berkeley, California Nomad™ Property with 5% Premium 6 5.07% -1.71% 3.06% 0.73% 0.89% 8.03%
Typical Berkeley, California Nomad™ Property with 5% Premium 7 7.07% -4.45% 3.55% 1.19% 1.40% 8.76%
Totals: 3.55% 2.19% 0.94% 0.26% 0.35% 7.30%

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 $26,000 and a Ideal Target Monthly Income in Retirement™ of $39,000 at the time of achieving your  Goal of financial independence, let's look at the Phases of Financial Independence™.

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