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

Achieved Financial Independence
First achieved in Month 831

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 831.

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 Moreno Valley, California Nomad™ Property 1 $111,619 $174,067 $0 $0 $5,146 $290,832
Typical Moreno Valley, California Nomad™ Property 2 $111,619 $172,488 $0 $0 $5,132 $289,238
Typical Moreno Valley, California Nomad™ Property 3 $111,619 $171,964 $0 $9,457 $5,127 $298,166
Typical Moreno Valley, California Nomad™ Property 4 $111,619 $40,728 $91,646 $11,264 $15,626 $270,882
Typical Moreno Valley, California Nomad™ Property 5 $111,619 $7,822 $69,117 $14,269 $18,445 $221,272
Typical Moreno Valley, California Nomad™ Property 6 $111,619 -$14,367 $59,323 $16,219 $20,267 $193,060
Typical Moreno Valley, California Nomad™ Property 7 $111,619 -$45,004 $49,587 $18,848 $22,718 $157,768
Typical Moreno Valley, California Nomad™ Property 8* $111,619 $0 $41,570 $0 $25,887 $179,076
Totals: $892,950 $507,697 $311,243 $70,056 $118,348 $1,900,294
* 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 Moreno Valley, California Nomad™ Property 1 2.91% 4.54% — — 0.13% 7.58%
Typical Moreno Valley, California Nomad™ Property 2 2.91% 4.50% — — 0.13% 7.54%
Typical Moreno Valley, California Nomad™ Property 3 2.91% 4.48% — 0.25% 0.13% 7.77%
Typical Moreno Valley, California Nomad™ Property 4 3.32% 1.21% 2.72% 0.33% 0.46% 8.05%
Typical Moreno Valley, California Nomad™ Property 5 4.44% 0.31% 2.75% 0.57% 0.73% 8.80%
Typical Moreno Valley, California Nomad™ Property 6 5.48% -0.71% 2.91% 0.80% 1% 9.49%
Typical Moreno Valley, California Nomad™ Property 7 7.73% -3.12% 3.43% 1.31% 1.57% 10.93%
Totals: 3.74% 2.43% 1.29% 0.34% 0.44% 8.25%

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 $14,000 at the time of achieving your  Goal of financial independence, let's look at the Phases of Financial Independence™.

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