[jacquesm]

If you're ahead of the market for a short time then that's great but it usually means you just simply haven't been running your program long enough to average out the ups and downs. The guy running mr Moneymustache is pretty savvy and has already weathered a couple of fairly bad storms in his personal finances without losing too much speed.

If you're consistently earning on the order of 10% after inflation then you're doing spectacularly well, way better than the 5% that most people assume.

This means you're investing either in a high risk high return asset classes or you have an error in your math somewhere, in that case better be careful!