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Old 08-28-2013, 09:23 PM   #41
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Join Date: Dec 2007
Posts: 379
1. Ikubak - April - age 52
2. LoneAspen - Feb - age 48
3. Neihn - Dec -
4. Fourchristians - June
5. ABQ2015 - March - 59
6. Live and Learn - March - 52
7. SkeetShooter - December
8. DanD76 - June
9. Utrecht - Jan - Age 50
10. haloFIRE - August 14th - age 47
11. Doxiemama - November - age 52
12. Phil1ben - June 1 - age 53 now 55 at ret.
13. SonnyJim - January 1 - age 48
14. Theseus - July - age 59
15. cinman2000 - Jan - age 54

So it looks like haloFIRE is the youngest of the group (so far). He's planning to FIRE at 47. I was wondering if halo would share the strategy he used to get to this point. There are many paths to FIRE and I love hearing how other people did it.
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Old 08-31-2013, 02:35 PM   #42
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Join Date: Aug 2013
Posts: 484
1. Ikubak - April - age 52
2. LoneAspen - Feb - age 48
3. Neihn - Dec -
4. Fourchristians - June
5. ABQ2015 - March - 59
6. Live and Learn - March - 52
7. SkeetShooter - December
8. DanD76 - June
9. Utrecht - Jan - Age 50
10. haloFIRE - August 14th - age 47
11. Doxiemama - November - age 52
12. Phil1ben - June 1 - age 53 now 55 at ret.
13. SonnyJim - January 1 - age 48
14. Theseus - July - age 59
15. cinman2000 - Jan - age 54

Well, after sharpening the pencil and recalculating many times over DW and I have decided summer of 2014 will make a fine exit point. So we are planning on moving ahead to the class of 2014!
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Class of 2015 - shyly raising my hand
Old 09-02-2013, 06:50 PM   #43
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Class of 2015 - shyly raising my hand

Some organizational changes at the office have prompted me to seriously consider my retirement timeline. In the past, it was a range of between 2 and 5 years..2015-2018 time frame . July 2015 (2 years) being the soonest when the eldest is graduating HS. 5 years being when the youngest graduates HS.

Well..some things are a blessing in disguise. A major work reorg has caused me to likely go through a change in (and possible reduction of) responsibilities, change in management, and lots of personal pain in the process. While it's a blow to the ego, it seems to be the catalyst to solidify my life plans -- that's all I've thought about for the past month or so. While not yet mentally ready to FIRE, and financially still a bit frightened primarily because we do not have a good USA based budget for monthly living expenses (being abroad for a long time)... I find that I am thinking about things differently all of a sudden. My priority is to get the eldest out of high school before moving on... thus bound to around 21 months in this position. Subtracting about 2 months of banked vacation, plus another month to accrue in 2014, I guess it's more like 18 months of work ahead..... wow... that's just a year and a half. Two annual review cycles. (happy dance)....

So, put me down as a class of 2015 -- Hopefully in summer, and I will be just shy of my 46 th birthday at that point, God willing.... Wife will likely continue to work... and for me, it's probably a temporary pause/partial retirement til I find an interesting "Act 2".... Who knows what it may be -- i do have a passion for business and for people so like many, perhaps I will transition to run my own small business - not so much for just money but to keep my mind happy. My son keeps reminding me that everyone needs a "side hustle" so will search for mine.

So there, I said it in print. July 2015. Age 45. And to the guys at MegaCorp "*&CK you and the horse you rode in on !!!

I am SO at peace with this...it's been a real mental struggle for the past month going through the **** at work...feeling totally unvalued and disrespected.... wow... I am free. Thanks for today... thanks for this forum, some great people here... I dont post often, but i read a lot.
1. Ikubak - April - age 52
2. LoneAspen - Feb - age 48
3. Neihn - Dec -
4. Fourchristians - June
5. ABQ2015 - March - 59
6. Live and Learn - March - 52
7. SkeetShooter - December
8. DanD76 - June
9. Utrecht - Jan - Age 50
10. haloFIRE - August 14th - age 47
11. Doxiemama - November - age 52
12. Phil1ben - June 1 - age 53 now 55 at ret.
13. SonnyJim - January 1 - age 48
14. Theseus - July - age 59
15. cinman2000 - Jan - age 54
16. biker4life - July 2015 - Age 45
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Old 09-04-2013, 04:13 PM   #44
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I am so new at this I had to fix my age. I will be 55 in 2015, not 52. I am 52 now so I fixed the list to reflect that. Also I switched from November to December due to health insurance coverage. One more month won't kill me hopefully.

1. Ikubak - April - age 52
2. LoneAspen - Feb - age 48
3. Neihn - Dec -
4. Fourchristians - June
5. ABQ2015 - March - 59
6. Live and Learn - March - 52
7. SkeetShooter - December
8. DanD76 - June
9. Utrecht - Jan - Age 50
10. haloFIRE - August 14th - age 47
11. Doxiemama - December - age 55
12. Phil1ben - June 1 - age 53 now 55 at ret.
13. SonnyJim - January 1 - age 48
14. Theseus - July - age 59
15. cinman2000 - Jan - age 54
16. biker4life - July 2015 - Age 45
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Old 09-04-2013, 06:34 PM   #45
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Hell. Yes.

Targeting first week of 1/15 (15 months, 16 total days). Would make it 12/14 but we get paid for a "holiday break"--all the days between Xmas and New Years. Currently, as close as could be to starting to hate the j*b. Have already negotiated every other Friday off, taking days off here and there using up the tons of vacation I've accrued, and using a sick day monthly (I accrue 1 per month) just to hang in there. The bureaucracy, bullshit, incompetence, and overall mess of the place is...shall I say, seriously testing my target date?

First thing I've promised myself to do right after retiring/gaining my freedom is take a trip down the Amazon.
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Old 09-04-2013, 06:36 PM   #46
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Forgot. I'll be 59 1/2 in 1/15. Not exactly early, but early enough for me.
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Old 09-13-2013, 09:13 PM   #47
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I'm be joining this class in June 2015 at the age of 52. I just hit my number today, and will be working between now and then to fill three more buckets - for roof replacement, new car and that big 'unplanned' expense.
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Old 09-14-2013, 02:38 AM   #48
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Join Date: Dec 2007
Posts: 379
1. Ikubak - April - age 52
2. LoneAspen - Feb - age 48
3. Neihn - Dec -
4. Fourchristians - June
5. ABQ2015 - March - 59
6. Live and Learn - March - 52
7. SkeetShooter - December
8. DanD76 - June
9. Utrecht - Jan - Age 50
10. haloFIRE - August 14th - age 47
11. Doxiemama - December - age 55
12. Phil1ben - June 1 - age 53 now 55 at ret.
13. SonnyJim - January 1 - age 48
14. Theseus - July - age 59 (2014 - congrats
15. cinman2000 - Jan - age 54
16. biker4life - July 2015 - age 45
17. Al18 - June 2015 - age 52

Just updating the list. I got 500+ days to go Can't wait to see people dropping off the list as they RE.
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Old 09-14-2013, 09:24 PM   #49
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To the Class of 2015 members:

Is anyone concerned about health insurance? At my company our premiums have gone from $400 per month to $1,500 per month for my husband and myself for our Aetna HMO coverage. This is over a period of 11 years. The past few years the premiums have gone up 20% per year. At first I had $30,000 put aside for health care, then $60,000, then $100,000 now my financial advisor at work told me to calculate $300,000 for ages 55 to 65 for health care coverage. That is $30,000 per year for ten years. Now my husband does have some health problems and does need some medications so I do usually spend $1,500 per year on medication co-pays for him. I am still planning on retiring at age 55 but spending $300,000 on health care coverage/co-pays is really hitting my retirement budget pretty hard. So much for the carefree retirement I have spent 30 years dreaming of and planning for.

I have read about the exchanges. Our combined taxable income will be approximately $60,000 but I can pull out another $20,000 if I need to, to pay for health care coverage which pretty much means we would be paying the max. Or I can keep my "Cadillac" coverage with Aetna HMO that is currently $1,500 per month.

If I survive to age 55 (my hope) (full retirement age), I will receive $300 monthly from age 55 to 65, from my company to help with health care cost. That amount will never increase. When they established that benefit that covered the entire healthcare cost for a couple.

Sorry this was such a long post but the healthcare element of retirement is stressing me out.

Doxiemama
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Old 09-15-2013, 12:44 AM   #50
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Have you checked out the healthcare exchanges? Here is a website that estimates what coverage would cost under Obamacare Subsidy Calculator | The Henry J. Kaiser Family Foundation
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Old 09-16-2013, 02:28 PM   #51
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Have you checked out the healthcare exchanges? Here is a website that estimates what coverage would cost under Obamacare Subsidy Calculator | The Henry J. Kaiser Family Foundation
Thank you, I will keep researching and am interested in how others are dealing with health insurance if they are comfortable posting.
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Old 09-17-2013, 05:16 PM   #52
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Looking really forward to it. I want to go back to Colorado for a couple years, and do all those outdoor things I enjoy but never could do much of because a job got in the way...hiking, camping, backpacking, week-long photography trips, etc. I also want to live somewhere near a ski resort and fulfill a bucket list item of being a ski bum for a season
You and I are on the same path. 46 Years old and excited about 2015. It can't come soon enough. I do get worried about being greedy and staying longer. I also worry about not being able to last until 2015 too
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Old 09-23-2013, 09:30 PM   #53
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Working until spring 2015, call it April 2015 as target. Will be 52 and looking forward to it. Only concern like many is the unknown health care cost question. Doing good for health, but there is just so much uncertainty now for health care it is hard to plan for cost numbers with so much chance for large increases.
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Old 09-24-2013, 07:40 AM   #54
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Working until spring 2015, call it April 2015 as target. Will be 52 and looking forward to it. Only concern like many is the unknown health care cost question. Doing good for health, but there is just so much uncertainty now for health care it is hard to plan for cost numbers with so much chance for large increases.
Well, in my rush with signing up and reading stuff, I did not do so good on my math. It is 2.5 years from now, correct that I will be 52 then, but it will be 2016

So I guess I failed the class of 2015 and get sent back a year for 2016

At least I seem to do better with my math and planning in other areas.......
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After Monday & Tuesday even the calendar says, W-T-F...

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Old 09-24-2013, 08:00 AM   #55
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Count me in. Or at least, this is the plan of of record. July 4th is Independence Day. See what I mean?

This actually works well for us, as I have a deferred compensation plan with a first lump sum 6 months after my resignation, and I would like to make it happen on a taxable year without my regular salary of 1H'15 pushing up the tax bracket! I actually have a fairly detailed plan, month after month, of things to do... Can't wait. I am so bored at work right now.

Our first big thing after retirement will be a big family trip, most likely in South Korea (backup option, South Africa). My wife spends an inordinate amount of time watching Korean TV on the Internet and learning a lot about the corresponding culture. We went to Japan and Australia a few years ago, so this is the next step of our 'discover the world journey'.


1. Ikubak - April - age 52
2. LoneAspen - Feb - age 48
3. Neihn - Dec -
4. Fourchristians - June
5. ABQ2015 - March - 59
6. Live and Learn - March - 52
7. SkeetShooter - December
8. DanD76 - June
9. Utrecht - Jan - Age 50
10. haloFIRE - August 14th - age 47
11. Doxiemama - December - age 55
12. Phil1ben - June 1 - age 53 now 55 at ret.
13. SonnyJim - January 1 - age 48
14. Theseus - July - age 59 (2014 - congrats
15. cinman2000 - Jan - age 54
16. biker4life - July 2015 - age 45
17. Al18 - June 2015 - age 52
18. Siamond - July 2015 - age 53
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Count me in too
Old 09-24-2013, 09:02 AM   #56
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Count me in too

Add me to the list. Let's see 2015 target, I will be 48. This has taken a lot of work and sacrifice along the way. Started two companies, saved a lot, lived well below my means, and no kids. While I won't be living in a mansion, I will have a nice lifestyle very soon.
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Old 09-24-2013, 09:11 AM   #57
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Count me in. Or at least, this is the plan of of record. July 4th is Independence Day. See what I mean?
Funny. I was thinking about this post & thread while exercising (yeah, this is part of the retirement plan too!), and making such a public post about my ER target date... This was... LIBERATING!!
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Old 09-24-2013, 09:21 AM   #58
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It's everything I can do to not jump ship early at the place I'm at. It's starting to drive me crazy. We've gone from 50 people when I joined, to almost 500, and it feels like a "big" company to me.

(and yes, I know what truly big companies feel like, because I've worked for places like HP years ago)

I hate it. Instead of getting work done, now I get dragged into meetings where we just TALK about getting work done.

God grant me the ability to just suffer through another 17 months, and then I'm throwing off the golden handcuffs and getting outta there.
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Old 09-24-2013, 05:30 PM   #59
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God grant me the ability to just suffer through another 17 months, and then I'm throwing off the golden handcuffs and getting outta there.
No kidding. I just keep repeating that to myself every day.
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Old 09-25-2013, 07:55 AM   #60
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At my company people talk about the "Golden Handcuffs" all the time too. Some of us are tempted to jump ship earlier but if we leave before age 55 (government agency) you take a big hit, but some days it is pretty tempting.

One guy retired at age 50 and moved to Tennessee. The agency is in San Diego. He sold his high priced house in Coastal North County San Diego County and bought a nice place in Tennessee all cash, with plenty left over.

Everyone gave him hell. He loved living in Tennessee, fishing, hunting etc. He died at age 55 of a heart attack followed by a stroke. He had 5 great years in Tennessee. He followed his dream and did not care about bumping up his pension those final five years. He had many more years of service than I do, but I think about him all the time when I am tempted to jump ship early.
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