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Forum: FIRE and Money Yesterday, 01:26 PM
Replies: 20
Views: 595
Posted By walkinwood
Whether you believe that SWR methodologies have...

Whether you believe that SWR methodologies have merits or not, you still need to figure out how much you're willing to withdraw each year (your annual budget) from your portfolio when the time comes....
Forum: FIRE and Money 05-15-2013, 09:03 AM
Replies: 5
Views: 367
Posted By walkinwood
Nate Silver : The signal & the noise

I put this in the FIRE and Money forum because it talks about how predictions are made and why so few come true. That's a pretty important topic for us here. After all, we're all predicting that our...
Forum: FIRE and Money 05-14-2013, 08:49 PM
Replies: 26
Views: 1,054
Posted By walkinwood
I stopped renewing ESPlanner, but can still use...

I stopped renewing ESPlanner, but can still use the version I have on my computer.

I found it worth the money while planning for ER and for the first couple of years.
Forum: FIRE and Money 05-14-2013, 11:32 AM
Replies: 25
Views: 2,226
Posted By walkinwood
Funding 7 years from an equity heavy portfolio is...

Funding 7 years from an equity heavy portfolio is risky in my opinion. What happens if you model a 2002 to 2008 scenario or a 2006-2012 or if you started in 2008, what would your current situation...
Forum: FIRE and Money 05-13-2013, 02:48 PM
Replies: 28
Views: 2,280
Posted By walkinwood
You should start a blog. You write well and have...

You should start a blog. You write well and have an interesting story to tell.

On the other hand, you probably have a larger readership here than the average blog does.

Keep posting.
Forum: Other topics 05-10-2013, 11:48 AM
Replies: 32
Views: 664
Posted By walkinwood
+1 for lastpass. It also supports multi-factor...

+1 for lastpass. It also supports multi-factor authentication using yubikey or a usb drive and one-time passwords. Also includes a pretty good form-filling feature.
Forum: FIRE and Money 05-10-2013, 09:55 AM
Replies: 21
Views: 1,179
Posted By walkinwood
Maybe you're starting at the wrong end. First,...

Maybe you're starting at the wrong end. First, you need to decide how much house you need or want. Start from the cost of such a home in your desired neighborhood and work from there.

The one-time...
Forum: Hi, I am... 05-07-2013, 05:04 PM
Replies: 11
Views: 689
Posted By walkinwood
Welcome to the forum. Now that you have that...

Welcome to the forum.

Now that you have that "carrot" in sight, I recommend getting an education on investing and withdrawal methods (SWR). There are a number of good book recommendations on these...
Forum: FIRE and Money 05-05-2013, 01:59 PM
Replies: 84
Views: 4,790
Posted By walkinwood
For us, marriage was a good thing financially. We...

For us, marriage was a good thing financially. We lived together for less than we could living separately. Sharing household chores also allows for more free/work time for both. Taking vacations...
Forum: FIRE and Money 05-04-2013, 02:13 PM
Replies: 45
Views: 2,461
Posted By walkinwood
I found the cost of living calculator at Cost of...

I found the cost of living calculator at Cost of Living Comparison (http://www.bestplaces.net/col/) to be a good place to start.
Forum: FIRE and Money 05-04-2013, 01:51 PM
Replies: 27
Views: 2,319
Posted By walkinwood
Nice post. Congratulations!

Nice post. Congratulations!
Forum: FIRE and Money 05-04-2013, 01:45 PM
Replies: 16
Views: 1,143
Posted By walkinwood
I agree and don't understand why you would add...

I agree and don't understand why you would add that much to your annual expenses while planning.

You can get an idea of health insurance costs (at least for today), by looking for a quote on...
Forum: FIRE and Money 05-04-2013, 01:37 PM
Replies: 22
Views: 2,172
Posted By walkinwood
If you have "hit" your number, I assume that you...

If you have "hit" your number, I assume that you have a SWR methodology in mind & that methodology has withstood the test of time - at least back to the early part of the last century.

If those...
Forum: Life after FIRE 05-02-2013, 09:55 PM
Replies: 23
Views: 1,393
Posted By walkinwood
Think of all the extra time you'd have to spend...

Think of all the extra time you'd have to spend on this forum! That itself should sell you on retiring now. :)
Forum: Life after FIRE 05-02-2013, 03:25 PM
Replies: 9
Views: 603
Posted By walkinwood
I keep detailed expense records and look...

I keep detailed expense records and look primarily at the last 12 months total to make sure we are under our annual budget.



The annual budget is based on a percentage of the portfolio value...
Forum: Hi, I am... 05-02-2013, 11:00 AM
Replies: 17
Views: 1,464
Posted By walkinwood
Spacemountain, Will you continue to live in NJ...

Spacemountain,
Will you continue to live in NJ after ER?
Forum: Life after FIRE 05-02-2013, 10:57 AM
Replies: 14
Views: 717
Posted By walkinwood
Thanks all. The 08/09 downturn in the...

Thanks all.

The 08/09 downturn in the markets was scary and we worked part-time in 2010 for about 6 months. The stint back at work did wonders for our confidence and proved to ourselves that we...
Forum: Hi, I am... 05-02-2013, 10:50 AM
Replies: 16
Views: 1,270
Posted By walkinwood
Welcome! Good luck with the recovery.

Welcome! Good luck with the recovery.
Forum: Life after FIRE 05-02-2013, 10:33 AM
Replies: 23
Views: 1,393
Posted By walkinwood
When I read the title, I thought you were going...

When I read the title, I thought you were going back to work full time. This is much better news!
Forum: Life after FIRE 05-01-2013, 10:19 AM
Replies: 14
Views: 717
Posted By walkinwood
Five years of ER today!

Our first day of ER was May 1, 2008.

It has been a wonderful time and I thank everyone on this board who encouraged and advised me both before and after ER.

Our financial situation is very...
Forum: Other topics 05-01-2013, 10:12 AM
Replies: 136
Views: 5,411
Posted By walkinwood
You hear complains here all the time about how...

You hear complains here all the time about how people react negatively to our being financially independent or ER'd. Yet, we throw the same crap at others.

Why not take him at his word? He admits...
Forum: Hi, I am... 04-30-2013, 01:10 PM
Replies: 17
Views: 1,464
Posted By walkinwood
I ER'd in NJ and then moved out of state to CO....

I ER'd in NJ and then moved out of state to CO. Two major expense categories are very high in NJ - health insurance & property taxes. Moving out of state could save you quite a bit.

Traditional...
Forum: Hi, I am... 04-30-2013, 01:02 PM
Replies: 21
Views: 1,068
Posted By walkinwood
Welcome to the board. If you haven't...

Welcome to the board.

If you haven't already, I suggest you read some investment books like The Four Pillars of Investment by William Bernstein (my favorite by far) or books by Bogle or Swedroe....
Forum: Health and Early Retirement 04-30-2013, 12:46 PM
Replies: 14
Views: 836
Posted By walkinwood
I'm impressed with your data collection & the...

I'm impressed with your data collection & the discipline involved.

I don't have a BP issue, but find that the light meditation (focus on my breathing) helps me fall asleep very quickly too.

All...
Forum: FIRE and Money 04-29-2013, 05:51 PM
Replies: 203
Views: 15,075
Posted By walkinwood
Vanguard's blog has an interesting response to...

Vanguard's blog has an interesting response to the frontline piece. They make some very good points.
The 401(k) debate | Vanguard Blog (http://vanguardblog.com/2013/04/29/the-401k-debate/)
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