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Appreciate the feedback. I think I will switch to NW/AE going forward, as it is a better representation of retirement and financial independence. Ten years ago AI was not much larger than AE, but it has spread and will going forward. Splitting out house value from mortgage does better show the exposure (good or bad) to the housing market. Although could be confusing to some people (hopefully not to anyone on this board).

So summary would look something like this

NW/AE=6.3 ... NW/AIbase=3.5
Current Portfolio:
23% Picked Stocks
27% 401k Mutual Funds (75% S&P500 index fund)
10% Fixed Income (Cash Savings, Money Market)
170% California Real Estate (Our House Value*0.93)
-130% Mortgage 4.875% fixed 30yr

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