u/GreatComposer85

Here's 7.5 years worth of household spending data ~179k. I've stripped out the mortgage payments since my mortgage was paid (2024). I haven't been keeping track of my wife's expenses but she doesn't spend much maybe $6000 a year on personal spending so let's say 215K total. 2025 inflation adjusted is probably my least spending year.

I'm one of those people who takes pleasure in trying to spend less. I'm not sure if there's anything wrong with me, but it's what makes me happy. As a kid, I used to save my lunch money, wash the bills to make them look nice, and store them in my pencil case. 😄

This is a personally built dashboard, and this snapshot shows just a fraction of its full functionality. As a software developer, I might turn it into some type of SaaS one day I quit my job and retire.

FIRE Setup

A 40-year-old couple (Quebec) with a $1.5M net worth, $1,046,781 invested, a paid-off home, zero debt / kids, and an +80% savings rate on (210k) $156k take-home HHI — quietly building toward early retirement. Target 1.2M invested.

Years ago, I built a dashboard to track my personal liquid assets, excluding home value and my spouse’s accounts, and updated it monthly. Over the past 14 years, a lot has changed—not from lucky breaks, but by living below my means, taking advantage of a strong stock market (index funds only), increasing my income, and marrying the right partner who also contributes to our household. The next long-term milestones seem less likely, as they would require the stock market to keep performing well and for me to continue working.

Sorry about the first image blur can't edit anyways the next two are enough

33k in a month and that is just in my WS account It's probably over 50k with my wife's account and my employer account is insane given my take home pay is only 7k a month ... I have a feeling this is going to crash so bad this can't be sustainable.

Any tweaks to the setup especially around the cash amount? I’m aiming to get the portfolio ready for a 3% safe withdrawal rate, either for a mini retirement or so we can take turns working. Ideally, I want the portfolio to fully cover our expenses before making the move given how bad the job market is currently. Our household expenses are $30K, with no kids, debt, or mortgage. I’m 40, my wife is 42, and the allocation is basically 90% XEQT and 10% HISA.