Hello ER! Here I am!
Hi all! Great to be here.
I've been lurking for a few months now, and thought I'd jump in and be an active participating member.
I'm 42 years old, not married (girlfriend of 2 years), no kids.
I own a small business and presently make about $350k a year.
No debt, and rent a relatively inexpensive apartment by San Francisco standards (locked into rent control). I live far below my means, and am trying to keep my spend down. My day-to-day expenses are very little... but I do enjoy playing, and tend to buy "toys for boys". Think boat, jetski, UTV, dirtbikes, and everything in-between.
I have approximately 1.1M invested in Vanguard index funds.
I'm a relatively unsavvy investor, but I am disciplined. I've been following the asset allocation recommendations from the No-Load Investor newsletter "wealth builder" program for about 10 years... it's treated me well.
I always max out my SEP IRA... and dump everything I have left over every month into Vanguard.
I don't have a retirement horizon, as I still have a lot more to make before feeling like I have enough for ER. If I had 4M today, I'd strongly consider exiting.
I recognize that it's unlikely I have the time to dedicate to becoming a master investor, so I like the ease of simply following the newsletter's asset allocation. Just recently however, I've been wondering if it's time to get a professional money manager involved... which would cost about 1% annually of my total of my investment with them. Food for thought.
That's who I am... hello to all! Great to be here with such a great group of folks!