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So far so good.
Old 08-24-2014, 09:43 AM   #1
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So far so good.

Six months into ER. So far my spending is at a 1.8% annual withdrawal rate and my portfolio has grown by 3%. The spending rate is just as I'd budgeted even with a couple of unplanned trips to the UK.

With all the uncertainty around the ACA I'm glad I decided to buy insurance from my previous employer as a deferred retiree. I pay $483/month for a cadillac health plan and dental insurance which has already paid for 50% of a crown that I needed. It also looks as if some proposed reductions to retiree health insurance won't go through now and when I turn 55 my premium should go down to $120/month.
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Old 08-24-2014, 11:28 AM   #2
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Good to hear. So besides the budget doing well, how do you like being retired?
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Old 08-24-2014, 11:37 AM   #3
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Congratulations. It's great that even with two unplanned trips you are at 1.8%
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Old 08-24-2014, 11:59 AM   #4
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Quote:
Originally Posted by daylatedollarshort View Post
Good to hear. So besides the budget doing well, how do you like being retired?
I'm doing a lot of cycling and I've lost some weight, so that's good. It's basically like one very long weekend. I have my eye out for some part time work.....I was offered something on a contracting basis, but it wasn't exactly what I wanted so I passed on it and decided to look some more.
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“So we beat on, boats against the current, borne back ceaselessly into the past.”

Current AA: 65% Equity Funds / 20% Bonds / 7% Stable Value /3% Cash / 5% TIAA Traditional
Retired Mar 2014 at age 52, target WR: 0.0%,
Income from pension and rent
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Old 08-24-2014, 12:12 PM   #5
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Congratulations. It's great that even with two unplanned trips you are at 1.8%
Yes it's a nice feeling. The $1200/month rent check from my tenants helps a lot. So far I'm still spending down the cash in my checking account.
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“So we beat on, boats against the current, borne back ceaselessly into the past.”

Current AA: 65% Equity Funds / 20% Bonds / 7% Stable Value /3% Cash / 5% TIAA Traditional
Retired Mar 2014 at age 52, target WR: 0.0%,
Income from pension and rent
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