Finance Friday: Overall Charts

Finance Friday: Overall Charts

Happy Friday everyone! Today will likely be a bit less wordy, mainly due to the nature of the sheet I’ll be covering. We’ve taken in a whole slew of data with many of the previous sheets, so now it’s time to start visualizing them. Charts are great from both an aesthetic and information intake point of view. I would argue that people simply understand and learn better from seeing the information represented graphically. There’s nothing like a brightly colored line to get you to realize you’re underwater or soaring towards your goals.

Grab a copy of this sheet here! Remember that all of these values or scrubbed so the charts may look a bit odd. One day I’ll post my own charts.

Investment Charts

Love me some 65% monthly gains. Fake news – I mean data.

Investing is a huge part of growing our wealth to a position which will allow us to become financially independent. Using some of our data we can keep track of just how well our investments have been doing. Some quick analysis could show us whether or not we should be looking to adjust our portfolio to suit our goals. I think moving forward I’d like to add a line to this graph which depicts the performance of something like the S&P 500 or some other index. It would be helpful to see how we’re doing in relation to the average market with our portfolio set up.

In alignment with the above, where is our investment account growth coming from? How impactful are our scheduled contributions compared to the growth of the market? You’ll likely find that as your overall investment portfolio grows, the “Running Gains from the Market” curve will begin to get steeper. This is a sign of your money really beginning to work for you.

Savings Rate

Slow and Steady!

FI Followers are obsessed with the Savings Rate figure, and rightfully so. The handy chart from Mr. Money Mustache’s post shows how good of an indicator Savings Rate can be. Getting to see how your Savings Rate changes over time can hint towards potential Lifestyle Creep. As our income goes up, our Savings Rate should go up as well. We’re making more money, but shouldn’t be spending that extra money just because we can. If you find that your Savings Rate is not increasing over time and major monthly expenses are pretty stagnant, you could be succumbing to Lifestyle Creep.

Dang, this fake data really needs to work on its finances.

Lifetime Worth Ratio (or Wealth Ratio as Joe at RetireBy40 calls it) is simple a metric of how good you have been at saving and investing over the course of your life. If you’ve begun tracking since you’re working career started, this should be a breeze to figure out. If not, it might require a bit of guesstimation and backtracking.

LWR = Networth / Running Total Income

Lifetime Worth Ratio is really just a gamey way of showing how you’re doing from a wealth standpoint. You could consider it a score that you’d like to maximize while trying to achieve FI. The higher the ratio, the better. If you’re somewhere over 50% you’re probably on great track financially!

Passive Income

This chart is pretty similar to the one shown in the Passive Income sheet from a couple weeks ago. I simply chart out the monthly, 4-month, and 12-month averages of my passive income. When I have more stable and accurate expense data, it’ll be great to be able to chart that info against my passive income. As my passive income approaches my expenses for the month, I’ll be closer and closer to FI.

Here I’m splitting out each of my passive income streams into their own line and charting them on top of the total passive income. Note that this isn’t a month by month average, it’s a running total. This is great to be able to see where your strongest passive income streams lie and which ones could use some work.


Every time I hit a $50k milestone I keep track of it in my data sheet. This allows me to populate this really neat milestone graph. The power of compounding will really show here over a long enough period. It’s awesome to see the time to each milestone decrease every time. Between your investments and hopefully some income growth you’ll start to plow through these dates like mad.

Closing Thoughts

The more data you have available to you, the more awesome charts you can make. I’d be interested to see what other kinds of charts you have made to help put your finances into perspective at a glance. Feel free to share any ideas you may have and I hope you’ve picked up a couple from me!

This Post Has 2 Comments

  1. This is a really great post! It is really motivating to see someone map their investment gains over time. I am working to invest more into my roth 401(k) this year. I am balancing my student loan payments vs. saving more for retirement.

    How long until you hit the $200k financial milestone?

    1. Thanks Nate!

      Mapping them out has become some of the most entertaining work for me. I could spend all day working on these charts.

      Just a reminder that these charts look a bit wonky mainly because the data behind them has been scrubbed so that I can share the charts without giving away any specifics. 🙂
      With my projections though, I’m hoping to hit the $200k mark by the beginning of 2020. Fingers crossed that we continue the growth from early 2019 into the second quarter.

      Loans can be a tough choice to figure out the balance between investing more vs paying off the debt. I’m planning to write a more in-depth article about the benefits of investing vs paying off your mortgage. It’s possible you get some insight into your own situation through that. Even if the two loan types can be pretty different.Thanks again, and keep checking back within the next week or so for that article!

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