Moneyanatomy - personal finance blog

Monday, January 15, 2018

Challenge "cash flow" update 2017





Challenge "cash flow" update 2017

For the year 2017 the overall investment income (realized gains, dividends and interest) were slightly over $49,000.
This almost covers the calculated yearly expenses of $50,000 (which I calculated with a nice comfort margin) and my number of $49,000 comes close to the challenge status "swimming". 

Below is the graph with income per month for 2017.


      2017



Below here is the SPY monthly return in %. 



SPY 2017




Since I didn't reach $50,000 in 2017 I didn't reach the "swimming" status of my challenge. Maybe next year. But it is nice to know that in 2017 I have basically covered my expenses with non-work income.


The numbers are pre-tax and will be taxed at the highest % bracket. But if I was not having any other income, the taxes would be much lower and that still should have covered my bare-bone expenses (if I take out all the margin for entertainment, dining and travel).