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

Achieved Financial Independence
First achieved in Month 1187

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 $12,000 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 1187.

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 Quincy, Massachusetts Nomad™ Property 1 $339,499 $506,337 $0 $0 $20,436 $866,272
Typical Quincy, Massachusetts Nomad™ Property 2 $339,499 $506,337 $0 $0 $20,436 $866,272
Typical Quincy, Massachusetts Nomad™ Property 3 $339,499 $502,967 $0 $26,780 $20,406 $889,653
Typical Quincy, Massachusetts Nomad™ Property 4 $339,499 $66,498 $255,226 $36,888 $54,729 $752,840
Typical Quincy, Massachusetts Nomad™ Property 5 $339,499 -$65,613 $188,013 $47,658 $64,709 $574,267
Typical Quincy, Massachusetts Nomad™ Property 6 $339,499 -$131,060 $159,483 $54,707 $71,428 $494,058
Typical Quincy, Massachusetts Nomad™ Property 7* $339,499 $0 $129,830 $0 $81,719 $551,048
Totals: $2,376,495 $1,385,466 $732,552 $166,033 $333,862 $4,994,410
* 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 Quincy, Massachusetts Nomad™ Property 1 2.90% 4.32% — — 0.17% 7.39%
Typical Quincy, Massachusetts Nomad™ Property 2 2.90% 4.32% — — 0.17% 7.39%
Typical Quincy, Massachusetts Nomad™ Property 3 2.90% 4.29% — 0.23% 0.17% 7.59%
Typical Quincy, Massachusetts Nomad™ Property 4 3.58% 0.70% 2.69% 0.39% 0.58% 7.93%
Typical Quincy, Massachusetts Nomad™ Property 5 5.11% -0.99% 2.83% 0.72% 0.97% 8.64%
Typical Quincy, Massachusetts Nomad™ Property 6 6.76% -2.61% 3.17% 1.09% 1.42% 9.83%
Totals: 3.62% 2.46% 1.07% 0.29% 0.45% 7.89%

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 $12,000 and a Ideal Target Monthly Income in Retirement™ of $18,000 at the time of achieving your  Goal of financial independence, let's look at the Phases of Financial Independence™.

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