Hi there and happy new year!
I’m done spreadsheeting, so here I share some figures and some trends.
Let’s start by commenting this post from 2019:
I still live in Lausanne and I’ve moved recently so I’m paying even more rent. And then this happened:
So I expect to pay (slightly) more in 2022 if I find a nice place a bit further from the city center. And I really feel the need for a room just to work from home. Which may entail having a longer commute and thinking about a car. This is really not mustachian!
So without further ado, the finalized version of the preview that I shared in the common NW post:
Or 5k/month + taxes. Like I said previously, I honestly don’t feel that I live a luxurious life. I live alone and feel it really hard to bring this down. I believe however that I can still easily make 15-30k more a year, which, after (a lot of taxes) may help with my savings rate.
Speaking of, here’s my NW progression since I started tracking:
You can see that I am a victim of lifestyle inflation because my savings/NW follow a linear progression rather than exponential. Also, I’m being too slow to get rid of employer stocks.
Lastly, my savings rate is sh** and inconsistent, even if you exclude December where it’s normal to save next to nothing because of health insurance and other yearly expenses. You can also see some annual bonus coming in when I’m able to be at >60%:
Still, other than feeling that I spend a lot without going out a lot, buying things or travelling all the time, I am satisfied with how things are turning out. Quality of life is my priority now, reducing all stress factors to the max.
Once again: happy new year folks!
(Edit: typos and duplicates)