FI status after 2.5 years of FI [Financial Independence]

                                   

I have achieved FI status in Mar 2023:

https://financeopti.blogspot.com/2023/03/breaking-free-i-have-achieved-financial.html

Now it is timely to re-evaluate whether I am still FI.

I did my spreadsheets and arrived at the following:

As long as the cell in the red box is negative, I am FI. 

I will do this analysis at the beginning of every quarter. 

From the above, it seems I am still FI. 

I have also attached a chart showing the % change in my total investable assets over the years. This is on a quarterly basis.

 

                       

For this quarter, Q3 2025, total investable assets increased to 8.78%. This is likely due to the good market bull run. 

I also share here how my portfolio has grown over the years:

The chart below shows the % change in the portfolio over the years (compared year-end value with value at beginning of the year). The value for 2019 was removed, because at 112.04% it seems like an anomaly.

On average, my returns are 19.18% per year.