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

Achieved Financial Independence
First achieved in Month 807

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 $13,000 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 807.

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 New York, New York Nomad™ Property 1 $147,305 $302,707 $61,705 $26,130 $34,654 $572,501
Typical New York, New York Nomad™ Property 2 $147,305 $290,645 $59,567 $26,914 $35,619 $560,050
Typical New York, New York Nomad™ Property 3 $147,305 $247,970 $57,502 $27,722 $39,033 $519,532
Typical New York, New York Nomad™ Property 4 $147,305 $237,195 $55,510 $28,553 $39,895 $508,458
Typical New York, New York Nomad™ Property 5 $147,305 $226,096 $53,586 $29,410 $40,783 $497,181
Typical New York, New York Nomad™ Property 6* $147,275 $0 $47,546 $0 $33,204 $228,025
Totals: $883,801 $1,304,612 $335,416 $138,730 $223,188 $2,885,746
* 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 New York, New York Nomad™ Property 1 8.76% 18.01% 3.67% 1.55% 2.06% 34.05%
Typical New York, New York Nomad™ Property 2 9.69% 19.13% 3.92% 1.77% 2.34% 36.85%
Typical New York, New York Nomad™ Property 3 10.63% 17.90% 4.15% 2% 2.82% 37.49%
Typical New York, New York Nomad™ Property 4 12.11% 19.50% 4.56% 2.35% 3.28% 41.80%
Typical New York, New York Nomad™ Property 5 14.10% 21.65% 5.13% 2.82% 3.91% 47.61%
Totals: 10.76% 19.05% 4.20% 2.03% 2.77% 38.81%

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 $13,000 and a Ideal Target Monthly Income in Retirement™ of $19,000 at the time of achieving your  Goal of financial independence, let's look at the Phases of Financial Independence™.

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