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Subject:  Re: FIRE Update Date:  1/2/2009  5:58 PM
Author:  HaltCatchFire Number:  4719 of 5232

Someone here posted last year about a metric they use - net worth/annual expenses. Was it whyohwhyoh? Can't remember. Anyway, in the past year mine went from 1.59 to 2.58.

I don't have prior year records on expenses. I'm up to 4.4 on that ratio.

IRR on my Roth IRA is only -2%, due to holding a whole lot of cash and using double-short ETFs (SKF and SDS) very effectively.

IRR on the 401(k) is a blistering -46%. I made this worse by buying in to gold at the wrong time.

Overall my projected retirement date has been pushed out 4 years, to 2028. The accuracy of such a forecast has to be questioned. Part of that push-out is an increase in household expenses; we will be working on that in 2009.

Good thing I like my job.


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