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Message
Is your total portfolio making more $ than you are?
Posted on 7/25/26 at 5:42 pm
Posted on 7/25/26 at 5:42 pm
Total Portfolio = the financial assets that produce the cash that will contribute to your financial independence (ie, where you no longer have to work or can walk away from your business in your current capacity, etc). All of it counts toward numerator to your AGI’s denominator.
Tax deferred, taxable, Roth, hidden cash from govt. All them eggs.
Realized, unrealized and imaginized (kidding). In your portfolio’s reported value, today or projected in 2026.
You are = your current year AGI
If not yet, will it? And how many more years are you from it likely happening?
Pulling for all of you that the answer is Y…now/soon!
Especially el gaucho. If “debasement” sentiment beams, may the Boomers do a proper perp walk.
Tax deferred, taxable, Roth, hidden cash from govt. All them eggs.
Realized, unrealized and imaginized (kidding). In your portfolio’s reported value, today or projected in 2026.
You are = your current year AGI
If not yet, will it? And how many more years are you from it likely happening?
Pulling for all of you that the answer is Y…now/soon!
Especially el gaucho. If “debasement” sentiment beams, may the Boomers do a proper perp walk.
This post was edited on 7/25/26 at 6:14 pm
17
Posted on 7/25/26 at 5:45 pm to Everyday Is Saturday
What do you mean by making more? Income paid like interest and dividends? Or are you including unrealized gains in value?
Posted on 7/25/26 at 5:45 pm to Everyday Is Saturday
quote:
where you no longer have to work or can walk away from your business in your current capacity, etc
Seems like that caveat that would exclude retirement accounts
Posted on 7/25/26 at 5:50 pm to UltimaParadox
quote:
Seems like that caveat that would exclude retirement accounts
Why? If that part of portfolio will contribute to you financial independence…
Not a cross-section of time (now) test. Whatever / whenever is your financial independence marker.
This post was edited on 7/25/26 at 6:17 pm
Posted on 7/25/26 at 6:14 pm to Everyday Is Saturday
quote:
Total Portfolio = the financial assets that produce the cash that will contribute to your financial independence (ie, where you no longer have to work or can walk away from your business in your current capacity, etc). Tax deferred, taxable, Roth, hidden cash from govt. All them eggs. Realized, unrealized and imaginized (kidding). In your portfolio’s reported value, today or projected. You are = your current year AGI If not yet, will it? And how many more years are you from it likely happening? Pulling for all of you that the answer is Y…now/soon! Especially el gaucho. If “debasement” sentiment beams, may the Boomers do a proper perp walk.
Nope. I’m about half my household income on 10% returns. If my calculations are correct I’ll be about 52 before my investments start making as much as I am now at 45.
This post was edited on 7/25/26 at 6:15 pm
Posted on 7/25/26 at 6:44 pm to Everyday Is Saturday
This last my year gains eclipsed my income. But, a market correction of 25% would essentially set me back to 2023. So, my portfolio just makes me perpetually nervous.
Posted on 7/25/26 at 7:03 pm to Everyday Is Saturday
In a typical year yes. But in a downturn it will lose more than I'd ever make in a year. There's no motivation to work harder for $ knowing I'd be toiling away and earning much less than my portfolio average annual gains
For me a more useful metric is that I could exceed current lifestyle with a sustainable/safe withdrawal rate.
For me a more useful metric is that I could exceed current lifestyle with a sustainable/safe withdrawal rate.
Posted on 7/25/26 at 7:23 pm to Rize
10% return no, 15% return about even or slightly higher.
Posted on 7/25/26 at 7:26 pm to TorchtheFlyingTiger
quote:
For me a more useful metric is that I could exceed current lifestyle with a sustainable/safe withdrawal rate.
I think there is an age (on the work life timeline) where this is the typical perspective.
However, the impetus for the post was a conversation I recently had with my college-aged niece that centered around inspiring her to have her money working harder for her than her own hard work.
For the younger side of working life’s timeline, curious if the MT board is thinking / aspiring in a similar way? And how they are tracking against it?
This post was edited on 7/25/26 at 7:30 pm
Posted on 7/25/26 at 7:32 pm to Everyday Is Saturday
Last year? Yes. This year. Not looking great.
Posted on 7/25/26 at 7:33 pm to Everyday Is Saturday
quote:
However, the impetus for the post was a conversation I recently had with my college-aged niece that centered around inspiring her to have her money working harder for her than her own hard work.
That screams Yieldmax influencer. Make that yield work for you!
Posted on 7/25/26 at 7:43 pm to Everyday Is Saturday
Good question. Made me check. But prob more important to know is portfolio earnings compared to your annual spend.
Posted on 7/25/26 at 7:47 pm to Everyday Is Saturday
quote:
Why? If that part of portfolio will contribute to you financial independence…
Not a cross-section of time (now) test. Whatever / whenever is your financial independence marker.
Hard to reach financial independence in primarily tax advantage accounts. Which we all smartly use. However you generally can't walk away from your job until certain age thresholds are met.
Unless you want to pay the penalty
Posted on 7/25/26 at 8:25 pm to lsuconnman
quote:
yield
Don’t forget time
Ever.
Pun.
Posted on 7/25/26 at 8:28 pm to Everyday Is Saturday
Yes. That's why I retired.
Posted on 7/25/26 at 8:30 pm to UltimaParadox
quote:
Hard to reach financial independence in primarily tax advantage accounts. Which we all smartly use. However you generally can't walk away from your job until certain age thresholds are met.
I did it. Many do even earlier.
Personal finance is very “personal”. That aside…
The question is really simple. Is your portfolio money making more money than you are? Now?
This post was edited on 7/25/26 at 8:35 pm
Posted on 7/25/26 at 9:05 pm to LSUSports247
quote:
10% return no, 15% return about even or slightly higher.
I’d have to be around 18% to 20%. I think I have come close before on but with my income rising and normal returns I will not.
Posted on 7/25/26 at 9:10 pm to Everyday Is Saturday
I don't make jack shite, so yes, my unrealized gains in brokerage + roth have exceeded my gross income at this juncture in the year, even with such a shitty July.
Hell, my realized gains from the brokerage account are about 70% of gross income. Thank goodness I'll be carrying capital losses from 2025.
Hell, my realized gains from the brokerage account are about 70% of gross income. Thank goodness I'll be carrying capital losses from 2025.
Posted on 7/25/26 at 9:13 pm to UltimaParadox
quote:
Hard to reach financial independence in primarily tax advantage accounts. Which we all smartly use. However you generally can't walk away from your job until certain age thresholds are met. Unless you want to pay the penalty
That’s what I’m working on now. I’m hoping to have more in taxable than IRA’s and 401k’s between the wife and I. Just want options if I want to retire before 59.5.
Posted on 7/25/26 at 9:45 pm to Everyday Is Saturday
I’m at 1.3 invested and earn 220k. So I’d have to make a 17% annual return on my current investments to match my current income. So under historical average returns of s&p of 12% I’d have to say not yet. My retirement target is in the ball park of 5 mil so I still have a while to work.
This post was edited on 7/25/26 at 9:51 pm
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