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

Achieved Financial Independence
First achieved in Month 390

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 $2,382.27 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 390.

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 Tallahassee, Florida Nomad™ Property 1 $18,627 $36,857 $0 $0 $1,840 $57,324
Typical Tallahassee, Florida Nomad™ Property 2 $18,627 $16,823 $17,559 $1,674 $3,396 $58,079
Typical Tallahassee, Florida Nomad™ Property 3 $18,627 $13,937 $14,895 $1,922 $3,627 $53,008
Typical Tallahassee, Florida Nomad™ Property 4 $18,627 $10,503 $12,487 $2,228 $3,913 $47,758
Typical Tallahassee, Florida Nomad™ Property 5 $18,627 $7,304 $10,812 $2,514 $4,181 $43,438
Typical Tallahassee, Florida Nomad™ Property 6 $18,627 $3,284 $9,362 $2,836 $4,479 $38,588
Typical Tallahassee, Florida Nomad™ Property 7 $18,627 -$285 $8,178 $3,177 $4,800 $34,496
Typical Tallahassee, Florida Nomad™ Property 8 $18,627 -$8,978 $7,293 $3,497 $5,460 $25,898
Typical Tallahassee, Florida Nomad™ Property 9* $18,627 $0 $0 $0 $1,361 $19,988
Totals: $167,643 $79,444 $80,587 $17,847 $33,056 $378,577
* 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 Tallahassee, Florida Nomad™ Property 1 2.86% 5.65% — — 0.28% 8.79%
Typical Tallahassee, Florida Nomad™ Property 2 2.90% 2.61% 2.73% 0.26% 0.53% 9.03%
Typical Tallahassee, Florida Nomad™ Property 3 3.32% 2.49% 2.66% 0.34% 0.65% 9.46%
Typical Tallahassee, Florida Nomad™ Property 4 3.95% 2.22% 2.64% 0.47% 0.83% 10.12%
Typical Tallahassee, Florida Nomad™ Property 5 4.68% 1.83% 2.71% 0.63% 1.05% 10.91%
Typical Tallahassee, Florida Nomad™ Property 6 5.79% 1.02% 2.91% 0.88% 1.39% 11.99%
Typical Tallahassee, Florida Nomad™ Property 7 7.56% -0.12% 3.32% 1.29% 1.95% 13.99%
Typical Tallahassee, Florida Nomad™ Property 8 10.14% -4.89% 3.97% 1.90% 2.97% 14.10%
Totals: 4.28% 2.28% 2.32% 0.51% 0.91% 10.31%

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 $6,000 and a Ideal Target Monthly Income in Retirement™ of $9,000 at the time of achieving your  Goal of financial independence, let's look at the Phases of Financial Independence™.

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