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Old 02-21-2015, 02:27 PM   #21
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I would agree to 5 of the 6 items as well as pb4uski's addition as long as I could make a few small adjustments to some of the items.


1. Financial DIYer and more than a bit skeptical about the role/benefit of paid FAs.

2. Uses index funds for the majority of his/her investments.

3. Somewhere between the ages of 50-70 and debt free.

4. Dislikes annuities for various and sundry reasons.

5. Retired in their 50s or younger.

6. Have analytical type personalities.

7. An important addition would be LBYM[/fiscally conservative].
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Old 02-21-2015, 02:31 PM   #22
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An introvert will be happy knowing that they did something well and be satisfied with that. An extrovert needs other people to recognize the accomplishment.
That introvert description certainly applies to me too. Introverts also find it easy to be motivated from within and entertain themselves -- crucial skills in ER. I always feel mentally engaged and am never bored.
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Old 02-21-2015, 03:09 PM   #23
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And you use the Myers-Briggs definitions which isn't necessarily what many people assume by the terms.
One of the definitions that I appreciate is that the extroverts draw energy and recharge from other folks. The introverts recharge and energize from within, or a small group of people.
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Old 02-21-2015, 03:33 PM   #24
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I am in line with all the attributes #1-4 and #6 and working on making #5 . I will not turn 60 and still working, repeat....
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Old 02-21-2015, 03:35 PM   #25
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The general list is mainly true of us, assuming we meet our goal for calling it quits (or go less than three years later). One exception is indexing--at retirement, I'll have completed that shift. But, we began with no mutual funds at all apart from 401k accounts, and still have the majority of our assets in individual stocks. (no market timing though)

Similarly, a quibble with the annuity point. Never have bought one, but am looking at SPIA and, even more so, at deferred income annuities. Not investments, but simple risk transfer/insurance. Not sure if we will go that route for a portion of our assets or not.

Finally, don't know about this added criterion/characteristic:
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That introvert description certainly applies to me too. Introverts also find it easy to be motivated from within and entertain themselves -- crucial skills in ER. I always feel mentally engaged and am never bored.
Fits DW to a certain extent, I guess? But depending upon mood, I am happy with a book, a task, or solo walk; Or, with introducing myself to strangers, striking up conversation and learning about their background and skills. Never done a Myer Briggs, but don't think I'd fall into the introvert category (and I definitely don't in common parlance).
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Old 02-21-2015, 03:46 PM   #26
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1-4 and 6...

Also an introvert, don't know or care about the Joneses, and debt-free 'cept for the mortgage.

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+1

#5 doesn't apply for me, since I couldn't retire until eligible for retirement medical at age 61.5 . But all the rest do.

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I'd suggest this addition...

As previous polls here have shown, we're almost all introverts. I've come to believe that makes a huge difference. The extroverts I know dread the idea of ER.
I don't know. The polls *say* we're almost all introverts, but for a bunch of introverts we sure have a lot of threads about negative things others said or may say when we tell them we are retiring and ain't it awful, blah blah. Or, other fears about what people will think.

The hard core introverts among us might say, frankly...


Another thing we might add to the list, is that (at least in my perception?) most of us worked like dogs for very long hours for years instead of just cruising through life. I feel like I fit in with the profile in that regard too, if that is one of our shared characteristics.
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Old 02-21-2015, 03:50 PM   #27
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frayne's original list fits me. I suppose I was an LBYM prior to retiring, but I am probably LWYM ("within") now.
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Old 02-21-2015, 03:53 PM   #28
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I would agree to 5 of the 6 items as well as pb4uski's addition as long as I could make a few small adjustments to some of the items.


1. Financial DIYer and more than a bit skeptical about the role/benefit of paid FAs.....
One small quibble.... I would suggest that you replace "paid" with "AUM based" as I don't think many of us would expect an FA to work for free and many of us are ok with FAs that charge a fixed fee or by the hour but we are skeptical of those who charge a percentage of AUM.
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Old 02-21-2015, 03:59 PM   #29
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The orignal 6 points all apply to me, plus I am, and always have been, an extrovert. (taken the MB test many times over the years, always comes out ESTJ)
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Old 02-21-2015, 04:23 PM   #30
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What would you say are typical ER forum member profile/attributes ?

I'll start by adding a few of my own thoughts;

1. Financial DIYer and more than a bit skeptical about the role/benefit of FAs.

2. Uses index funds for the majority of his/her investments.

3. Somewhere between the ages of 50-70 and debt free.

4. Dislikes annuities for various and sundry reasons.

5. Retired in their 50s.

6. Have analytical type personalities.

How far am I off and what else might you add ?
I think the two highlighted ones might be less true. There are a lot of folks on here who retired (or plan to) in their 40s. A lot of under 50 folks here too.
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Old 02-21-2015, 04:30 PM   #31
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I would add less likely to be worried about "keeping up with the Joneses" then the average person. Also, fairly self-confident and not as worried about what other people think of you.
Probably because we are the Jones's.
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Old 02-21-2015, 04:32 PM   #32
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I'm not typical. I have investment debt and I do use wealth management services. But I am an introvert who retired in my 50s.
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Old 02-21-2015, 05:14 PM   #33
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I have enjoyed this thread but I do not think we should go too far in forcing a "typical" profile. Who wants to be just typical?

We should enjoy our differences. Maybe that's a typical trait here? Would like to think so.
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Old 02-21-2015, 06:06 PM   #34
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A trait I have picked up on is being the proverbial square peg (independent thinkers) in the round hole (traditional environment of the w*rkplace).

We are collectively very bright in intellect and very willing to swim against the raging current when the situation calls for it.

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Old 02-21-2015, 06:28 PM   #35
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A trait I have picked up on is being the proverbial square peg (independent thinkers) in the round hole (traditional environment of the w*rkplace).

We are collectively very bright in intellect and very willing to swim against the raging current when the situation calls for it.

Very bright in intellect ... that's must be me!
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Old 02-21-2015, 06:36 PM   #36
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Very bright in intellect ... that's must be me!
I'll save ya a seat on the bench next to me.

Seriously, this forum blows me away with the wealth of knowledge and the discussions. I'm no dummy but sometimes I feel very uneducated, at least in financial matters. All I ever took in college, as a Physics major, was Business 100.
So I hunker down on a snowy day (ad infinitum) and educate myself by reading the links.
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Old 02-21-2015, 07:13 PM   #37
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Not 1, not 2, not 3.
But yeah, introverted and debt free.



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"Typical" ER forum member profile
Old 02-21-2015, 07:19 PM   #38
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"Typical" ER forum member profile

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Not 1, not 2, not 3.
But yeah, introverted and debt free.



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Well, 1 & 2 a person can do something about if (big if) they chose.

It occurs to me that 3 is actually two different traits.
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Old 02-21-2015, 07:39 PM   #39
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Good point, Steely!
I'm 44, so not in the 50+ club.
And considering that my paychecks every other week come from an RIA firm, I'm a bit more on the side of real financial advising. And ditto on leaning more to active instead of passive investing.



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Old 02-21-2015, 08:53 PM   #40
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I'd be 6 for 6. 7 for 7 if adding LBYM. Sadly, probably 8 for 8 if we add the online too much. Would not make the 'attention to what I eat' category. Definitely a 'yes' on the 'not keeping up with the Jones'' and definitely not 'the Jones'. I am a little surprised that there is such a large Boglehead overlap.
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