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Forum: FIRE and Money 04-19-2015, 03:41 PM
Replies: 135
Views: 9,459
Posted By youbet
+1 Like most of the discussions here...

+1

Like most of the discussions here concerning retirement on $X, the devil is in the details. If retiring at 30 on $1 mil with a 4% WR and adjusting for inflation means literally that (None,...
Forum: Stock Picking (Individual Security Analysis) 04-17-2015, 01:14 PM
Replies: 71
Views: 3,410
Posted By youbet
Did you get my package?

Did you get my package?
Forum: Other topics 04-17-2015, 01:10 PM
Replies: 28
Views: 1,160
Posted By youbet
Is SIL allowed to use the joint checking account...

Is SIL allowed to use the joint checking account to cover some portion of her own expenses in her duties as caregiver? For example, buy herself a tank of gas from time to time.
Forum: FIRE and Money 04-17-2015, 12:45 PM
Replies: 33
Views: 2,418
Posted By youbet
If you can remove DW's income from your plan and...

If you can remove DW's income from your plan and still pass FireCalc, I'd say retire! But I wouldn't retire if you require DW's income. Once you're home full time for a while, DW's feelings about...
Forum: Other topics 04-17-2015, 12:06 PM
Replies: 28
Views: 1,160
Posted By youbet
+1 Yep, and mix inheritance with years of...

+1

Yep, and mix inheritance with years of uncompensated caregiving duties and the potential for fireworks is there big time.
Forum: Other topics 04-17-2015, 12:05 PM
Replies: 28
Views: 1,160
Posted By youbet
Yes, it's always hard for outsiders to understand...

Yes, it's always hard for outsiders to understand what's really going on with another family's dynamics. I do know that being the responsible person for an elderly parent(s) is often a thankless...
Forum: FIRE and Money 04-15-2015, 03:15 PM
Replies: 19
Views: 1,199
Posted By youbet
As I approached the end of my working years I had...

As I approached the end of my working years I had most of my FIRE portfolio in place, 30+ years of SS paid in, pension and retiree healthcare credits earned and I had a regular paycheck plus MegaCorp...
Forum: FIRE and Money 04-15-2015, 03:05 PM
Replies: 23
Views: 1,035
Posted By youbet
I must be misinterpreting this Audrey....... Are...

I must be misinterpreting this Audrey....... Are you saying that your Fed income tax bill in 2014 was 0.4 X Gross Income? That would seem higher than possible.

If not, what is the 40% Federal...
Forum: FIRE and Money 04-14-2015, 04:20 PM
Replies: 7
Views: 285
Posted By youbet
I recently read about several pro athletes who...

I recently read about several pro athletes who lost their butts on something like this. Big tax write-off up front. Ongoing profits after that.


The gov't didn't like it and the guy that sold...
Forum: Travel Information 04-14-2015, 04:15 PM
Replies: 66
Views: 3,008
Posted By youbet
Well, aren't we the cheerful crowd here this...

Well, aren't we the cheerful crowd here this afternoon.......... ?
Forum: Travel Information 04-14-2015, 04:09 PM
Replies: 66
Views: 3,008
Posted By youbet
I retired mid-2006 and soon fell into the Great...

I retired mid-2006 and soon fell into the Great Recession! Fabulous timing, huh?

With our portfolio soon 30% down, DW and I had to decide whether to cancel some fairly expensive trips and...
Forum: FIRE and Money 04-12-2015, 01:28 PM
Replies: 97
Views: 7,590
Posted By youbet
Yep. There's no doubt that resources and...

Yep. There's no doubt that resources and individual needs and circumstances outside of "investible assets" are a huge factor frequently ignored.

With the demise of MegaCorp DBP pensions and...
Forum: Health and Early Retirement 04-12-2015, 01:10 PM
Replies: 51
Views: 2,372
Posted By youbet
That's an interesting tidbit MichaelB. Thanks. ...

That's an interesting tidbit MichaelB. Thanks.

I believe the LTC usage stats also include relatively short (up to 100 days) stays for rehab due to surgery, recovery from an debilitating...
Forum: FIRE and Money 04-12-2015, 12:59 PM
Replies: 13
Views: 1,185
Posted By youbet
Congrats mathjak107. I've been reading your...

Congrats mathjak107. I've been reading your posts a long time during almost all of which I've been FIRE'd and you've been working, so I'm glad to see you throwing the switch! It's time!


Look...
Forum: FIRE and Money 04-12-2015, 12:45 PM
Replies: 97
Views: 7,590
Posted By youbet
Yep. The $880k doesn't do it. You need extras...

Yep. The $880k doesn't do it. You need extras such as SS. At least for me.
Forum: FIRE and Money 04-12-2015, 12:43 PM
Replies: 97
Views: 7,590
Posted By youbet
Oh! That was you!

Oh! That was you!
Forum: FIRE and Money 04-12-2015, 12:37 PM
Replies: 97
Views: 7,590
Posted By youbet
+1 Count me in that group. $880k would...

+1

Count me in that group. $880k would mean living on $30k annual or so, a tough nut here in the Chicago suburbs unless you have other things going for you. But, if you have other things...
Forum: FIRE and Money 04-12-2015, 11:51 AM
Replies: 57
Views: 3,359
Posted By youbet
Similar results here. Continued to withdraw...

Similar results here. Continued to withdraw after deciding that spending cuts were not on the radar. Never regretted this as most of the discretionary spending we were doing was time and age...
Forum: FIRE and Money 04-12-2015, 11:41 AM
Replies: 57
Views: 3,359
Posted By youbet
No, absolutely not. The costs of keeping that...

No, absolutely not. The costs of keeping that much of your investment stash liquid are so high and the odds of needing that much liquidity are so low, it just doesn't make sense.

Remember,...
Forum: FIRE and Money 04-12-2015, 11:32 AM
Replies: 75
Views: 8,213
Posted By youbet
It's easier to believe when some life events make...

It's easier to believe when some life events make you feel more mortal.
Forum: FIRE and Money 04-12-2015, 11:23 AM
Replies: 75
Views: 8,213
Posted By youbet
This always comes up so I'll do it this...

This always comes up so I'll do it this time........ It's pretty meaningless to talk about "magic numbers" without the context of whether or not some ongoing source of retirement income (not derived...
Forum: FIRE Related Political Topics 04-12-2015, 10:32 AM
Replies: 161
Views: 10,499
Posted By youbet
Hopefully in addition to making MJ legal and...

Hopefully in addition to making MJ legal and unregulated for recreational use, they'll also eliminate the very stoooopid regulations on growing your own. We should be allowed to grow and process MJ...
Forum: Health and Early Retirement 04-10-2015, 05:38 PM
Replies: 30
Views: 1,167
Posted By youbet
You're missing the difference between homes that...

You're missing the difference between homes that don't accept Medicaid period, homes that allow clients who run out of private funds to remain on Medicaid and homes that accept Medicaid clients from...
Forum: Health and Early Retirement 04-10-2015, 05:13 PM
Replies: 30
Views: 1,167
Posted By youbet
I think you meant to say "Some dementia patients...

I think you meant to say "Some dementia patients can live in Assisted Living which costs much less."

Others require constant supervision, even more that many nursing home residents with medical...
Forum: FIRE and Money 04-07-2015, 01:06 PM
Replies: 30
Views: 1,812
Posted By youbet
My broker does that for me automatically.

My broker does that for me automatically.
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