Let’s dive right into the numbers for November.

The Money Related Numbers

28.25% (previously 26.84%)

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.

104 months (previously 105)

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

95.18 months (previously 96.44)

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

8.10 times annual spending (previously 8.42)

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.

32.39% to minimum FIRE (previously 33.67%)

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

28.66 times annual spending at goal number (previously 31.36)

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

39.78% of Gross Income Invested

This is the amount we invested in things like 401k, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment.

48.71% of Net Income Invested

This is the amount we invested in things like 401k, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment, but with taxes subtracted.

43.77% of Gross Income Invested with Employer

This is the amount we invested in things like 401k including employer contributions, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment.

53.59% of Net Income Invested With Employee

This is the amount we invested in things like 401k including employer contributions, Roth IRA, taxable accounts, and Employee Stock Purchase Program divided by income from our main employment, but with taxes subtracted.

What’s Happened and What’s Happening

We should now have a full 12 month picture of our expenses for the year. All expense related numbers should be a bit more accurate going forward.

This month’s expenses include a weekend trip to Nashville and putting in some tile and new carpet downstairs. These were pretty large expenses, the carpet being much larger. It’s been something we’ve been putting off for quite some time, but we’re glad we did.

As for new income this month, the employee stock purchase program did it’s semi-annual stock purchase. This added a nice boost to this month’s income. The next time this will happen will in May.