I’d just like to point out again the difference between cash and percentage. I haven’t added any money since 1996 when I retired. The fact that I have over a 300 bagger on my original investment doesn’t mean I have 300 times as much cash. Far from it. My family and I have been living on that money for 19 years now.
Look at it this way. If you start with $100 and make 30% for the year you have $130. If you then take out $20 for living expenses that doesn’t change the fact that you made 30% investing.
Similarly, if you added $20 from your job earnings, you now have $150, but that doesn’t change the fact that you only made $30% investing.
In post 10526, a few posts back, under Calculating Portfolio Returns, I explain how to calculate it. It’s also in the Knowledgebase, also under ## Calculating Portfolio Returns.