The Real Estate Financial Planner Blueprint™
St. Paul, Minnesota 20% DP

Achieved Financial Independence
First achieved in Month 362

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 $5,000 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 362.

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
St. Paul, Minnesota Average Property 1 -$995 $17,856 $0 $0 $969 $17,830
St. Paul, Minnesota Average Property 2 -$995 $17,917 $0 $0 $971 $17,892
St. Paul, Minnesota Average Property 3 -$995 $9,166 $5,345 $1,017 $1,644 $16,178
St. Paul, Minnesota Average Property 4 -$995 $9,840 $4,495 $995 $1,644 $15,978
St. Paul, Minnesota Average Property 5 -$995 $10,007 $4,073 $982 $1,638 $15,704
St. Paul, Minnesota Average Property 6 -$995 $9,715 $3,794 $973 $1,620 $15,107
St. Paul, Minnesota Average Property 7 -$995 $9,894 $3,590 $966 $1,619 $15,075
St. Paul, Minnesota Average Property 8 -$995 $9,814 $3,452 $962 $1,612 $14,844
St. Paul, Minnesota Average Property 9 -$995 $9,670 $3,331 $957 $1,604 $14,567
St. Paul, Minnesota Average Property 10 -$995 $10,123 $3,241 $954 $1,615 $14,937
Totals: -$9,953 $114,002 $31,321 $7,807 $14,936 $158,113

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
St. Paul, Minnesota Average Property 1 -0.57% 10.20% — — 0.55% 10.18%
St. Paul, Minnesota Average Property 2 -0.57% 10.23% — — 0.55% 10.22%
St. Paul, Minnesota Average Property 3 -0.93% 8.54% 4.98% 0.95% 1.53% 15.08%
St. Paul, Minnesota Average Property 4 -1.09% 10.80% 4.93% 1.09% 1.80% 17.53%
St. Paul, Minnesota Average Property 5 -1.19% 12% 4.89% 1.18% 1.96% 18.84%
St. Paul, Minnesota Average Property 6 -1.27% 12.43% 4.85% 1.25% 2.07% 19.33%
St. Paul, Minnesota Average Property 7 -1.33% 13.26% 4.81% 1.30% 2.17% 20.21%
St. Paul, Minnesota Average Property 8 -1.38% 13.60% 4.78% 1.33% 2.23% 20.58%
St. Paul, Minnesota Average Property 9 -1.42% 13.82% 4.76% 1.37% 2.29% 20.81%
St. Paul, Minnesota Average Property 10 -1.45% 14.75% 4.72% 1.39% 2.35% 21.77%
Totals: -1% 11.45% 3.15% 0.78% 1.50% 15.88%

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 $5,000 and a Ideal Target Monthly Income in Retirement™ of $20,000 at the time of achieving your  Goal of financial independence, let's look at the Phases of Financial Independence™.

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