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Old 02-05-2014, 05:28 PM   #21
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The main profile is that we all tended to live below our means while working, and still do now that we are retired. I do think that fits the majority of us, though I imagine we have our share of lottery winners, and people who inherited a nice pile of cash.
Uh-oh, I'm enjoying a lot and saving some......but I am learning here.
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Old 02-06-2014, 12:47 PM   #22
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If you lived in a camp outside the levee, didn't use AC and got free garbage pickup becsuase you lived in an official slum(unimproved urban) - city and parrish of New Orleans.

Test INTJ and wore a sweater to work so the office AC wouldn't ruin your body's conditioning for Louisiana's wonderful climate.

heh heh heh - shut off electricity to improve mental ability to 'live cheap'.

- only kidding right?
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Old 02-06-2014, 06:13 PM   #23
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There is one requirement, you must be an INTJ
... or ISTJ .
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Old 02-06-2014, 06:24 PM   #24
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Or INFP although we might be outliers here...
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Old 02-06-2014, 06:30 PM   #25
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There are at least a few of us INTP's here too!

-gauss
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Old 02-06-2014, 06:42 PM   #26
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Probably helps not to be susceptible to Madison Avenue's fostering of consumer demand. If you can look at the stuff that "everybody" wants and can laugh about the equivalent number of months of freedom that would buy, then you are well on your way.

Also is good to have records of your actual spending over the years so you can see how consistent it is. If it is categorized then you can adjust for the changes in retirement. Once your income from passive sources exceeds what you spend (with sufficient safety margin), then your are there. It is a good place to be.

-gauss
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Old 02-06-2014, 07:30 PM   #27
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I am INFJ but you all seem to tolerate me anyway.
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Old 02-06-2014, 07:53 PM   #28
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PITA here.
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Old 02-06-2014, 08:00 PM   #29
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PITA here.
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Old 02-06-2014, 08:08 PM   #30
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Books:
-Bogleheads guide to retirement planning
-Live More with Less
-Unveiling the Retirement Myth (Jim Otar)
-The Millionaire Next Door (I'm dating myself here.)

Plenty more. But these are what I would call "core" reading.
...if you haven't read them yet, I recommend Berstein's Four Pillars of Investment. It goes into the "whys" of passive investing. Also Richard Ferri's All about Asset allocation.
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Old 02-07-2014, 08:36 AM   #31
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PITA here.
Ms Snowden, given your avi and because you keep eavesdrooping on our conversations
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Old 02-07-2014, 12:08 PM   #32
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INTJ here! Not that i am surprised
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