Let’s dive right into the numbers for October.

The Money Related Numbers

26.84% (previously 25.84%)

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.

105 months (previously 106)

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

96.44 months (previously 98.75)

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

8.42 times annual spending (previously 8.26)

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.

33.67% to minimum FIRE (previously 33.02%)

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

31.36 times annual spending at goal number (previously 31.94)

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

31.03% 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.

37.99% 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.

35.03% 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.

42.89% 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’re still ramping up towards getting a full picture of our yearly expenses. Only a couple months away and we’ll have a full year of adjusted expenses.

This month’s unexpected expenses include a new 12V battery for the Prius and paying for our AirBnB for our trip to Nashville. It wasn’t a crazy amount, but were still expenses we wouldn’t normally have.

Most of our numbers improved this month because the market had a nice little run towards the end of the month. Next month, the Employee Stock Purchase Program will doing it’s semi-annual stock purchase, which will allow me to reinvest those dollars with a guaranteed return on the money I put into the program.