满足你,差距进一步缩小了。
Plan A | |||||||||||||
20 Years Ago: Year 1998 | Interest Rate | 6.00% | Now Year 2018 | ||||||||||
House price | 200000 | House Price Growth Rate | 8.4% | House price | 1000000 | ||||||||
Rent | 1000 | Rent Growth Rate | 6.0% | Rent | 3200 | ||||||||
Yearly W2 cash for investment | 0 | W2 growth rate | 4.0% | ||||||||||
Cash on hand | 40000 | Maintenance cost of house price | 3.0% | ||||||||||
Management fee | 7.0% | Leasing fee of rent | 70.0% | ||||||||||
Year | # House Had | House Price | Down Payment | Rent | Mortgage/mo | Insurance, tax, vacancy, management /mo | Cash flow/mo | Cash flow/ye | W2 cash | Total cash | Buy House Next Year? | Principe paid | Net Worth |
1 | 1 | $200,000 | 40000 | 1000 | ($959) | ($628) | ($588) | ($7,051) | 0 | -7051 | FALSE | 2024 | $34,972 |
2 | 1 | $216,760 | 43352 | 1060 | ($959) | ($678) | ($577) | ($6,928) | 0 | -13979 | FALSE | 2145 | $46,950 |
3 | 1 | $234,924 | 46985 | 1123 | ($959) | ($731) | ($567) | ($6,809) | 0 | -20788 | FALSE | 2274 | $60,579 |
4 | 1 | $254,610 | 50922 | 1191 | ($959) | ($789) | ($558) | ($6,696) | 0 | -27484 | FALSE | 2410 | $75,980 |
5 | 1 | $275,946 | 55189 | 1262 | ($959) | ($852) | ($549) | ($6,590) | 0 | -34074 | FALSE | 2555 | $93,280 |
6 | 1 | $299,070 | 59814 | 1337 | ($959) | ($919) | ($541) | ($6,493) | 0 | -40567 | FALSE | 2708 | $112,619 |
7 | 1 | $324,131 | 64826 | 1418 | ($959) | ($992) | ($534) | ($6,408) | 0 | -46975 | FALSE | 2871 | $134,144 |
8 | 1 | $351,293 | 70259 | 1502 | ($959) | ($1,071) | ($528) | ($6,334) | 0 | -53309 | FALSE | 3043 | $158,014 |
9 | 1 | $380,731 | 76146 | 1592 | ($959) | ($1,156) | ($523) | ($6,276) | 0 | -59586 | FALSE | 3226 | $184,401 |
10 | 1 | $412,635 | 82527 | 1688 | ($959) | ($1,248) | ($520) | ($6,236) | 0 | -65822 | FALSE | 3419 | $213,489 |
11 | 1 | $447,214 | 89443 | 1789 | ($959) | ($1,348) | ($518) | ($6,216) | 0 | -72038 | FALSE | 3624 | $245,475 |
12 | 1 | $484,689 | 96938 | 1896 | ($959) | ($1,455) | ($518) | ($6,220) | 0 | -78259 | FALSE | 3842 | $280,573 |
13 | 1 | $525,306 | 105061 | 2010 | ($959) | ($1,571) | ($521) | ($6,251) | 0 | -84510 | FALSE | 4072 | $319,010 |
14 | 1 | $569,325 | 113865 | 2130 | ($959) | ($1,697) | ($526) | ($6,313) | 0 | -90823 | FALSE | 4317 | $361,034 |
15 | 1 | $617,034 | 123407 | 2257 | ($959) | ($1,832) | ($534) | ($6,410) | 0 | -97233 | FALSE | 4576 | $406,908 |
16 | 1 | $668,740 | 133748 | 2393 | ($959) | ($1,979) | ($546) | ($6,547) | 0 | -103780 | FALSE | 4850 | $456,917 |
17 | 1 | $724,780 | 144956 | 2536 | ($959) | ($2,137) | ($561) | ($6,730) | 0 | -110510 | FALSE | 5141 | $511,367 |
18 | 1 | $785,515 | 157103 | 2688 | ($959) | ($2,309) | ($580) | ($6,964) | 0 | -117474 | FALSE | 5450 | $570,589 |
19 | 1 | $851,340 | 170268 | 2849 | ($959) | ($2,494) | ($605) | ($7,255) | 0 | -124729 | FALSE | 5777 | $634,935 |
20 | 1 | $922,681 | 184536 | 3019 | ($959) | ($2,694) | ($634) | ($7,611) | 0 | -132340 | FALSE | 6123 | $704,789 |
21 | 1 | $1,000,000 | 200000 | 3200 | ($959) | ($2,911) | ($670) | ($8,039) | 0 | -140379 | FALSE | 6491 | $780,559 |
Plan B | |||||||||||||
20 Years Ago: Year 1998 | Interest Rate | 6.50% | Now Year 2018 | ||||||||||
House price | 60000 | House Price Growth Rate | 4.7% | House price | 150000 | ||||||||
Rent | 600 | Rent Growth Rate | 4.7% | Rent | 1500 | ||||||||
Yearly W2 cash for investment | 0 | W2 growth rate | 4.0% | ||||||||||
Cash on hand | 40000 | Maintenance cost of house price | 4.0% | ||||||||||
Management fee of rent | 7.0% | Leasing fee of rent | 70.0% | ||||||||||
Year | # House Had | House Price | Down Payment | Rent | Mortgage/mo | Insurance, tax, vacancy, management /mo | Cash flow/mo | Cash flow/ye | W2 cash | Total cash | Buy House Next Year? | Principe paid | Net Worth |
1 | 3 | $60,000 | 12000 | 1800 | ($910) | ($831) | $59 | $706 | 0 | 4706 | FALSE | 1667 | $42,373 |
2 | 3 | $62,813 | 12563 | 1884 | ($910) | ($870) | $104 | $1,251 | 0 | 5957 | FALSE | 1776 | $53,838 |
3 | 3 | $65,757 | 13151 | 1973 | ($910) | ($911) | $152 | $1,822 | 0 | 7779 | FALSE | 1891 | $66,385 |
4 | 3 | $68,840 | 13768 | 2065 | ($910) | ($953) | $202 | $2,419 | 0 | 10198 | FALSE | 2014 | $80,066 |
5 | 3 | $72,067 | 14413 | 2162 | ($910) | ($998) | $254 | $3,045 | 0 | 13242 | FALSE | 2145 | $94,937 |
6 | 3 | $75,446 | 15089 | 2263 | ($910) | ($1,045) | $308 | $3,699 | 0 | 16941 | TRUE | 2284 | $111,056 |
7 | 4 | $78,983 | 15797 | 3159 | ($1,310) | ($1,459) | $391 | $4,694 | 0 | 5839 | FALSE | 3243 | $192,791 |
8 | 4 | $82,686 | 16537 | 3307 | ($1,310) | ($1,527) | $471 | $5,651 | 0 | 11491 | FALSE | 3454 | $216,707 |
9 | 4 | $86,562 | 17312 | 3462 | ($1,310) | ($1,599) | $554 | $6,653 | 0 | 18144 | TRUE | 3679 | $242,544 |
10 | 5 | $90,620 | 18124 | 4531 | ($1,768) | ($2,092) | $671 | $8,057 | 0 | 8076 | FALSE | 4897 | $344,227 |
11 | 5 | $94,868 | 18974 | 4743 | ($1,768) | ($2,190) | $786 | $9,429 | 0 | 17505 | FALSE | 5216 | $380,113 |
12 | 5 | $99,316 | 19863 | 4966 | ($1,768) | ($2,293) | $905 | $10,866 | 0 | 28371 | TRUE | 5555 | $418,771 |
13 | 6 | $103,972 | 20794 | 6238 | ($2,294) | ($2,880) | $1,065 | $12,777 | 0 | 20354 | FALSE | 7099 | $545,104 |
14 | 6 | $108,846 | 21769 | 6531 | ($2,294) | ($3,015) | $1,222 | $14,666 | 0 | 35020 | TRUE | 7560 | $596,577 |
15 | 7 | $113,949 | 22790 | 7976 | ($2,870) | ($3,682) | $1,424 | $17,091 | 0 | 29322 | TRUE | 9394 | $744,837 |
16 | 8 | $119,291 | 23858 | 9543 | ($3,473) | ($4,406) | $1,665 | $19,975 | 0 | 25438 | TRUE | 11434 | $909,071 |
17 | 9 | $124,883 | 24977 | 11239 | ($4,104) | ($5,189) | $1,946 | $23,354 | 0 | 23816 | FALSE | 13699 | $1,090,770 |
18 | 9 | $130,738 | 26148 | 11766 | ($4,104) | ($5,432) | $2,230 | $26,758 | 0 | 50574 | TRUE | 14589 | $1,184,809 |
19 | 10 | $136,867 | 27373 | 13687 | ($4,796) | ($6,319) | $2,572 | $30,858 | 0 | 54059 | TRUE | 17264 | $1,397,585 |
20 | 11 | $143,283 | 28657 | 15761 | ($5,521) | ($7,276) | $2,964 | $35,565 | 0 | 60968 | TRUE | 20225 | $1,632,165 |
21 | 13 | $150,000 | 30000 | 19500 | ($7,038) | ($9,002) | $3,460 | $41,515 | 0 | 72483 | TRUE | 25456 | $2,043,024 |