FIRE Mission Control
Your dashboard to financial independence
Today is
June 15, 2023
✓
Good Morning, Alex!
You are 42% of the way to Financial Independence
FI Progress
$425,000 / $1,000,000
Target based on 4% SWR
Days of Freedom Earned
1,325
Based on $40/day spending
Time to FI
8.5 years
At current savings rate
Savings Rate
45%
Target: 50%
Alerts & Notifications
3 NewMarket down 2.5% this week
Historical data suggests staying the course. Consider tax-loss harvesting opportunities.
$100k invested milestone reached!
Compound interest is now working harder for you. Keep it up!
IRA contribution limit reminder
You've contributed $3,000 of $6,500 limit for 2023.
Income Streams
Primary Job
$85,000
Side Hustle
$12,000
Investment Income
$3,000
What-if Scenarios
Savings Optimization
Employer Match
Maximized
You're contributing 6% to get the full 3% match.
Automated Savings
Pay Yourself First Efficiency
Automated Savings
$2,353/mo
Manual Savings
$250/mo
90% of your savings are automated - excellent! Try to reach 100%.
Spending Analysis
Biggest Category
Housing
$1,500/mo (30%)
Most Improved
Dining Out
↓15% from last month
Latte Factor
Daily Coffee
$5/day
Invested instead, this could grow to $42,000 in 20 years
Lunch Out
$12/day
Invested instead, this could grow to $101,000 in 20 years
Streaming Services
$45/mo
Invested instead, this could grow to $23,000 in 20 years
Debt Management
| Debt Type | Balance | Interest Rate | Minimum Payment | Payoff Date | Action |
|---|---|---|---|---|---|
| Mortgage | $245,000 | 3.25% | $1,350 | 2043 | |
| Student Loan | $22,500 | 5.8% | $250 | 2030 | |
| Auto Loan | $8,750 | 4.5% | $275 | 2027 |
Portfolio Overview
Total Invested
$425,000
YTD Return
8.2%
Dividends
$3,200/yr
Expense Ratio
0.12%
Investment Performance
| Period | Your Return | S&P 500 | Difference |
|---|---|---|---|
| YTD | 8.2% | 9.5% | -1.3% |
| 1 Year | 12.1% | 14.2% | -2.1% |
| 3 Year | 7.8% | 8.3% | -0.5% |
| 5 Year | 9.2% | 9.7% | -0.5% |
Tax Optimization
401(k) Contributions
$12,500
$20,500 limit for 2023
Roth IRA Contributions
$3,000
$6,500 limit for 2023
HSA Contributions
$1,200
$3,650 limit for 2023
FI Number Calculator
$
Your FI Number
$1,000,000
Based on $40k spending at 4% SWR
Safe Withdrawal Rate Modeler
4% SWR Success
95%
Historical 30-year periods
3.5% SWR Success
98%
Historical 30-year periods
Your Current SWR
3.8%
$40k / $1.05M
Variable SWR
3-5%
Flexible spending
Healthcare Cost Estimator
Estimated Annual Cost
$8,400 - $12,000
ACA Marketplace Plan (Silver)
HSA Balance
$18,500
$3,650 annual contribution limit
"One More Year" Syndrome Analyzer
1 year
2 years
3 years
4 years
5 years
Portfolio Growth
+$84,000
7% annual growth + contributions
SWR Improvement
3.5% → 3.2%
Increased safety margin
Automation Status
Automation Score
85/100
You're doing great! Just a few more automations to reach "set and forget" status.
Paycheck Savings
Automated transfers to investment accounts
Bill Payments
All recurring bills on autopay
Rebalancing
Semi-automated - needs annual review
Tax Optimization
Manual process - consider automation
Behavioral Nudges
Consistency Streak
18 months
Longest streak: 24 months. You're getting close!
Badges Earned
12
Current Level
Gold
Saver
Fast Starter
Automator
Growth Seeker
Knowledge Base
The Automatic Millionaire
Key takeaways: Pay yourself first, make it automatic, own your home...
Click to flip for summary
Key Principles
- Automate your savings and investments
- Own your home outright
- Pay yourself first (10-15% of income)
- Automatic 401(k) contributions
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The Shockingly Simple Math
Mr. Money Mustache's famous post on savings rate vs. time to retirement...
Click to flip for chart
Savings Rate vs. Years to FI
10% → 51 years
30% → 28 years
50% → 17 years
70% → 8.5 years
90% → <3 years
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FIRE Resources
Curated list of blogs, forums, calculators and communities to help your journey...
Click to flip for links
Top Resources
Click to return
Net Worth Trend
Current Net Worth
$512,000
YTD Change
+$42,500
1 Year Growth
+$85,200
5 Year Growth
+$312,000
