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Old 01-16-2018, 10:37 AM   #21
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Note that pre-Medicare retiree healthcare premiums are generally subject to the whim of the employer. Mine has doubled since 2014 after very modest increases from 2010-2014. Still cheaper than individual insurance, but just barely. However, their Medicare supplement benefit is decent and if I drop coverage at any point, I can't go back on it, so at this point I plan to stick it out.

You're in pretty good shape and have received a lot of good advice here already - I suggest that you and your DW start talking about details to make sure you are on the same page. Welcome!
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Old 02-15-2018, 07:00 AM   #22
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Well, I have been running the IORP and other calcs and it tells me I could withdraw up to $106k/yr. Ironically, working more years doesn't yield that much of an increase in WD rates. Like another $12k/year if I work until 60.

I must say that coming to the realization that I could retire at any time ad be OK, has given me a much better attitude at work. Although I spend a lot of my day on this forum now.....
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Old 02-15-2018, 08:37 AM   #23
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That compounding really makes a difference. The thing to do now is to start budgeting for one offs like a trip to HI or a retirement car since the compounding won't matter that much. I'm going to need a new AC this year... Already budgeted
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Old 02-21-2018, 08:58 AM   #24
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Money looks more than good, nice job! So what are you going to do to fill all that time in retirement??
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Old 02-22-2018, 07:32 AM   #25
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Ride motorcycles and mountain bikes. Work out more. Refurbish our main house since we've been in it 18 years and really have done very little to it. Travel some. Sleep a lot more. Drink an occasional beer or fancy coffee. Volunteer some, somewhere.
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Old 02-23-2018, 07:58 AM   #26
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Ride motorcycles and mountain bikes. Work out more. Refurbish our main house since we've been in it 18 years and really have done very little to it. Travel some. Sleep a lot more. Drink an occasional beer or fancy coffee. Volunteer some, somewhere.
Very exciting and congrats! You're only now contemplating drinking an occasional beer?? You have some catching up to do
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Old 02-23-2018, 08:13 AM   #27
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....I must say that coming to the realization that I could retire at any time ad be OK, has given me a much better attitude at work. .....
Yup. Been there.

Quote:
You want me to do what? And by when? Right!
Seriously though, being FI allowed me to be more "candid" at work with colleagues and clients... often saying what many were thinking but were afraid to say because it wasn't what the higherups wanted to hear... as long as one does it diplomatically it can be quite valuable to the employer.
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Old 02-26-2018, 11:23 AM   #28
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... as long as one does it diplomatically it can be quite valuable to the employer.
Problem is that most employers, in my industry anyway, don't want to hear the truth. Lots of insecurity.
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Old 02-27-2018, 04:55 PM   #29
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often saying what many were thinking but were afraid to say because it wasn't what the higherups wanted to hear... as long as one does it diplomatically it can be quite valuable to the some employer.
You are, of course, correct. But, candid feedback was not welcomed by my former employer.

When I left, I thought I would do them a favor and tell them what lots of folks were thinking but were not willing to say.

First, I sat down with the head of our department. She kept interrupting me and saying "that's just your opinion". After giving up talking to her, I tried again with the HR rep during the exit interview. I could see her eyes glaze over. Then she said: "I already gave my notice. I really don't care what happens to this place".

Okey dokey.
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Old 03-01-2018, 06:48 PM   #30
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Looks like you're financially set for retirement. Get out now if you don't enjoy working and have something to retire to; stay if you enjoy it. I just watched my mom die on the 18th of February. You can't get back those working days...ever! Carpe diem!
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