According to my calculations, I reached financial independence right around my 30th birthday. Like peak oil, it is however something you can only really see a few years after the fact: Have you made enough non-job related income every year since then, have you controlled your expenses, etc.

Prior to that period, I had a fairly good estimate of the cross over point thanks to the fortran program I had made (I suppose everybody else just use a spreadsheet) so I knew FI would happen right around going over the hill. I think having a target date for FI firm in my mind was a very helpful motivator.

The FI estimate has turned out to be amazingly robust. The reason is that when the external environment changes (like interest rates, … ) I adjust and adapt my personal behavior accordingly. So for instance, whereas I’m not as rich as I figured I would have been three years ago (thanks to the market plunge), I have adjusted my expenses and returns accordingly to remain committed to my target date.

I’d be really interested in knowing if my readers have a target date as well and I thought it would be cool to make a list. Let me know in the comments and I’ll add it to the list.

List of financial independence target years: