Most of our numbers this month are up, which is always a positive thing. One thing that is slightly down is our expenses. This year we’ve spent $27.65 less this year than we did February last year. That means that for the last 3 months, our expenses have been less than they where the prior year.

In addition, February appears to be the month each year that we tend to the spend the least. Obviously with low expenses, there really isn’t much to speak of for this month.

If you’re wondering what I use to record our numbers monthly, it’s Personal Capital. You can start using them too and we both get $20: https://pcap.rocks/adam4058

How did this affect us?

Nothing too crazy this month, even though there were a couple of extras purchased.

• New phone – $267
• Europe trip deposit for daughter – $95
• AirBnB – $138

The Money Related Numbers

45.28% to target number (previously 43.98%)

This is our invested assets/target number. Our invested assets span across a variety of investment vehicles such as 401k, HSA, IRA, Roth IRA, ESPP (Employee Stock Purchase Program) and standard taxable mutual funds.

89 months (previously 90)

The number of months until my 45th birthday and our finish date.

62.38 months (previously 64.61)

The number of expected months until we reach our target number based on our current expected monthly contributions, assuming a 10% annual return.

The Expense Related Numbers

12.56 times annual spending (previously 12.19)

This is how many multiples of our annual spending we have saved up towards our goal. For example, if this value was 9.1 and we spent $10,000 annually, we would have $91,000 saved up.

50.23% to minimum FIRE (previously 48.76%)

The minimum number to achieve FIRE is 25 times our annual spending. This number shows how close we are to the absolute minimum.

27.73 times annual spending at goal number (previously 27.72)

We have a goal amount that we’d like to reach. Given our current annual spending, this is how many times our annual spending we’ll have saved when we reach our goal number.

How Much We Invested

-21.72% Month to Month Change In How Much Saved (previously -22.76%)

This number shows the change in what we saved this month compared to the prior month in things like 401k, Roth IRA, taxable accounts, and Employee Stock Purchase Program.

-20.23% Month to Month Change in How Much Saved With Employer Contributions (previously -22.68%)

Same as the prior number, but with employer contributions counted.

1.19% Month to Month Change in 6 Month Savings Average (previously -1.04%)

This number show the change in what we saved this month compared to the prior month, but on a 6 month rolling average. This helps to smooth out months over time and shows a more general trend.

1.70% of 6 Month Average Net Income Invested With Employer Contributions (previously -1.46%)

Same as the prior number, but with employer contributions counted.