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Old 03-02-2016, 10:37 AM   #21
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Our retirement plan is pretty conservative - no spending principal after age 62, so any extraordinary expenses just come out of principal / the kids' inheritance money. Or we could take the money from the annual travel or home upgrade categories, but we would probably just up our WR now and then instead for one time emergency expenses.

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Old 03-02-2016, 11:35 AM   #22
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Originally Posted by Urchina View Post
If you have pets, do you have a separate fund for them? If so, would you mind sharing how much is in it?
I don't understand why the pet fund needs to be "separate." Most of us keep some liquid reserves to cover unplanned contingencies, ie. "emergencies." Our personal lifestyles determine the categories we include in determining a total amount. In your case, you need to account for sudden and unplanned "pet expenses." No pets here right now since we've upped our traveling in retirement, so we don't need that category. But we have others and I'm sure some of those are different than yours........

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emergency fund, pets

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