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.Regards,- HCF
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