Plan B calculation for Net Worth from year 4 to the end is incor

For plan B, At year 4 Net worth you have 149,032.

Using your numer:

Net worth at year 4 = Net worth at year 3 + (house price y4 - house price y3)*3 + (new purchase hosue down payment) + (Total Cash y4 - Total Cash y3) + princpal paid at y4

= 75,097 + (68,840-65,757) * 3 + 13768 + (9652 - 16490) + 2685  = 93961

While you have 149,032, the difference is 55071, this is very close to (house price - dowmpayment) = 68840 - 13768

It is very possilble that you include the new purchase house price into your networth, instead of the downpayment, which is incorrect, since you only paying the down payment.

I regenerate plan B using my calculation, and Plan B has 2.8 million at year 21, which is still good, although not as shocking as you presented earlier.

Sill very impressive. Thank you!

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	$12,000.0	1800	($910)	($600)	$290	$3,478	0	$7,478	FALSE	$1,610	$45,087
2	3	$62,820	12564	1885	($910)	($628)	$346	$4,155	0	$11,633	FALSE	$1,717	$59,419
3	3	$65,773	13155	1973	($910)	($658)	$405	$4,863	0	$16,496	TRUE	$1,832	$74,973
4	4	$68,864	13773	2755	($1,258)	($918)	$578	$6,936	0	$9,658.77	FALSE	$2,571	$96,844
5	4	$72,100	14420	2884	($1,258)	($961)	$664	$7,971	0	$17,630.22	TRUE	$2,743	$120,505
6	5	$75,489	15098	3774	($1,640)	($1,258)	$876	$10,514	0	$13,046.79	FALSE	$3,602	$151,565
7	5	$79,037	15807	3952	($1,640)	($1,317)	$994	$11,934	0	$24,980.39	TRUE	$3,843	$185,081
8	6	$82,752	16550	4965	($2,059)	($1,655)	$1,252	$15,018	0	$23,448.40	TRUE	$4,840	$227,228
9	7	$86,641	17328	6065	($2,497)	($2,022)	$1,547	$18,559	0	$24,679.46	TRUE	$5,939	$278,952
10	8	$90,713	18143	7257	($2,955)	($2,419)	$1,883	$22,592	0	$29,129.20	TRUE	$7,148	$341,270
11	9	$94,977	18995	8548	($3,436)	($2,849)	$2,263	$27,156	0	$37,289.99	TRUE	$8,476	$415,274
12	10	$99,441	19888	9944	($3,938)	($3,315)	$2,691	$32,292	0	$49,693.36	TRUE	$9,933	$502,137
13	12	$104,115	20823	12494	($4,991)	($4,165)	$3,338	$40,054	0	$48,101.34	TRUE	$12,460	$610,736
14	14	$109,008	21802	15261	($6,094)	($5,087)	$4,080	$48,964	0	$53,462.00	TRUE	$15,244	$743,451
15	16	$114,131	22826	18261	($7,248)	($6,087)	$4,926	$59,112	0	$66,921.87	TRUE	$18,306	$902,843
16	18	$119,495	23899	21509	($8,456)	($7,170)	$5,883	$70,596	0	$89,719.85	TRUE	$21,669	$1,091,663
17	21	$125,112	25022	26273	($10,354)	($8,758)	$7,161	$85,936	0	$100,588.46	TRUE	$26,476	$1,322,017
18	25	$130,992	26198	32748	($13,004)	($10,916)	$8,828	$105,938	0	$101,733.17	TRUE	$32,935	$1,607,896
19	28	$137,149	27430	38402	($15,084)	($12,801)	$10,517	$126,201	0	$145,645.29	TRUE	$38,819	$1,945,303
20	33	$143,595	28719	47386	($18,715)	($15,795)	$12,876	$154,513	0	$156,563.28	TRUE	$47,839	$2,360,372
21	38	$150,344	30069	57131	($22,516)	($19,044)	$15,571	$186,854	0	$193,073.84	TRUE	$57,765	$2,861,451