Net Worth Update: $454,521 – October 2020

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Net worth: $454,521!

This is my 22th net worth update. In September I had a 88,7 % savings rate!

By Route 2 FI

Index Funds

In the figure below you can see my index fund value as of 1. October 2020. 

Income, Expenses And How Much I Can Withdraw According To The 4%-rule

It’s motivating to see that I can safely withdraw $1,338 every month for the rest of my life.

I will do everything I can to raise this dollar amount in the future. 

As you all know my goal is to save $500.000 USD.

This means my monthly FI money goal is $1,667 USD each month. I’m over 1/2 to my goal and it feels great!

Recently I wrote a detailed post on how I will reach a $500.000 net worth in only 12 months!

Financial Stats September/October 2020


We own an apartment 50/50 that has a total value of $547,000. That means my share is $273,500.

While this sounds good, my share of the mortgage is $226,574

The interest rate on the mortgage is 1,40 %.


My current pension is $59,215.

I recently found out that I had a pension plan in a job I had as a teenager as well. Pension is a really iliquid asset class, because I can't withdraw the amount before I'm 62 years old.

Student loan

After nine years with different studies I got $53,129 in student loans.

In Norway the university has no fees, so this is a loan covering basic living expenses while you're at the studies.

The interest rate is 1.39 %.
I'm not paying anything on this loan at the moment.

Total Net Worth

Net Worth (USD $)

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3 Replies to “Net Worth Update: $454,521 – October 2020”

  1. I challenge you to retire from your day job when you reach your goal of $500K savings. I have an unfortunate feeling that you wont and will work beyond that in the same company or a different big company. But prove me wrong, and I will follow your foot-steps 🙂

  2. route2fi says: Reply

    Challenge me all you want. I don’t know how I will do it yet. When the right time comes I will retire 🙂

  3. Did you take out another stock loan?
    Your invested funds grew more than $50.000 from July-Oct… 🙂
    With an avg income of $8.072/month that’s pretty impressive 😛

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