5 Signs You’ve Already Reached the 'Crossover Point'

The Exact Moment Your Contributions Don’t Matter Anymore is the Crossover Point.
5 Signs You’ve Already Reached the “Crossover Point” — the moment your portfolio’s growth beats your deposits and money starts working harder than you. In this video, I show you how to prove it with numbers, the subtle signals you’re there, and the systems to stay there—calmly.

What you’ll learn

The Crossover Point (returns ≥ contributions) in plain English

A rolling 12-month test to confirm you’ve hit it

The 5 behavioral & numeric signals most people miss

What to change after crossover (allocation, cash cap, rebalancing)

The Crossover Test (do this monthly)

Last 12 months portfolio growth (excluding contributions)
Last 12 months total contributions → You’re at/over Crossover.

The 5 Signs (and how to verify them)

Growth more than Deposits — Your 12-mo growth line is equal to or above your 12-mo contributions.
Check: broker report or spreadsheet: End − Start − Contributions ≥ Contributions.

2–3× Annual Expenses Invested — Your Invested Assets ÷ Annual Expenses are ~2–3× (varies with returns/allocation).
Check: use your yearly spend, not income.

Net Worth Jumps Without Raises — Monthly NW moves more from market than from paycheck.
Check: note % change on non-pay weeks.

Calmer Cash Flow — You keep 3–6 months in HYSA and still invest on schedule during dips.
Check: DCA/DRIP stayed on through volatility.

Contribution Rhythm more than Contribution Size — You’ve stopped “waiting for leftovers” and simply auto-invest on payday; raising % only when income rises.
Check: auto-raise 1–2% per raise is active.

Quick wins from the video

Turn on a rolling 12-mo crossover tracker in your spreadsheet.

Track Invested Assets ÷ Annual Expenses monthly (aim past 2–3×).

Keep DCA date fixed; verify DRIP is enabled.

Audit expense ratios and cut overlapping funds.

If cash more than cap, sweep excess weekly into your index fund/ETF.

Tools & Mentions

High-yield savings (runway)

Broad index funds/ETFs (US: Total Market/S&P 500

Tax-advantaged routes: 401(k)/IRA/Roth IRA/HSA (US)

Who this is for

FIRE builders who suspect they’re near crossover

Quiet-wealth investors who prefer systems over hype

Anyone wanting proof that compounding has taken the wheel


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Disclaimer: Don't take anything said in the video as financial advice. Do your own research or consult a professional before making any investment decisions. These videos are for education purposes only. All materials in this video are used for educational purposes and fall within the guidelines of fair use. Any affiliate links used may result in a commission earned at no additional cost to you.