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settings.yml
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num_years_investigate: 20
start_month_investigate: 7 # If want to start investigation not in January
start_year_investigate: 2023
prehouse_rent_monthly: 2500 # rent cost per month , put 0 here if you are couch-surfing
# until you buy the house!
housePurchase_month_investigate: 1
housePurchase_year_investigate: 2025
verbose: 1
##############################
### Current net-worth settings
##############################
# These are tracked to help compute your net worth
current_savings: 100_000 # current savings in bank account
current_investments: 100_000 # current investments in brokerage account
current_k401: 0 # current 401k balance
current_roth: 0 # current roth balance
##############################
### Salary settings
##############################
base_salary : 100_000
signon_bonus : 50_000
total_rsus : 200_000 # uses 25% investing schedule per year over 4 years
annual_investment_appreciation: 0.07 # average investment appreciation
##############################
### Housing settings
##############################
###############
### Option 1: Renting
###############
rent_monthly: 2500 # rent cost per month
rental_insurance_monthly: 17 # rental insurance per month
###############
## Option 2: Mortgage
###############
house_cost: 300_000 # property value bought at
house_appreciation_annual_rate: 0.04 # house appreciation rate per year
amount_down: 20_000 # amount down for loan
loan_duration: 15 # loan duration in years
loan_interest_rate: # interest rate for loan for each loan duration
# year : interest rate
10: 6.5 # Current interest rate breakdown according to bank I am intersted in
15: 5.875
20: 6.375
30: 6.750
## monthly fees
pmi_monthly: 180.
property_tax_monthly: 220 # property tax per month
hoa_fee_monthly: 344 # HOA fee per month
home_insurance_monthly: 87 # home insurance per month
## sales costs
agent_sales_cost: 6.0 # agent sales cost in percentage
docs_stamp_cost: 0.7 # docs stamp cost in percentage
title_ins_cost: 0.7 # title insurance cost in percentage
# extra payments
onetime_extra_payment:
# month : amount paid on that month
0: 0
12: 0
monthly_extra_payment:
# month : amount paid every month starting on that month until next setting
0: 0
# extra money made renting out the house or a spare room (e.g. airbnb, etc.)
mortgage_renting_income_monthly: 0
## utilities costs
utilities_monthly: 300 # e.g. water, electricity, gas, internet, etc.
##############################
### Food & Entertainment settings
##############################
medicare_tax_annual: 5000 #
##############################
### Food & Entertainment settings
##############################
foodandentertainment_monthly: 1000 # adapt this to your lifestyle
# groceries, eating out, entertainment, etc.
##############################
### Retirement settings
##############################
k401: 22_500 # intended 401k contribution per year
k401_company_coverage: 11_250 # company match for 401k
roth: 6500 # intended roth contribution per year
##############################
### Banking settings
##############################
savings_interest_rate: 0.04 # interest rate for savings account