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Search: Posts Made By: Cayman
Forum: FIRE and Money 10-30-2018, 02:43 AM
Replies: 42
Views: 2,097
Posted By Cayman
You can move the $30k to Vanguard and save most...

You can move the $30k to Vanguard and save most of the 1% fee. That's a definite way to increase your return every year! The annuity is not anything I'd consider for the many reasons explained in...
Forum: FIRE and Money 10-29-2018, 11:28 AM
Replies: 36
Views: 2,279
Posted By Cayman
It's good to keep in mind that many schools and...

It's good to keep in mind that many schools and private funders award non-need based aid based on the FAFSA. So, to be considered for many scholarships and other financial aid requires FAFSA...
Forum: FIRE and Money 10-28-2018, 11:56 PM
Replies: 36
Views: 2,279
Posted By Cayman
We ER'd last year, and DD will finish her...

We ER'd last year, and DD will finish her undergrad studies 5/2020. No financial aid nor scholarships. Started saving early and we saved often. We planned and saved for DD's expected college...
Forum: FIRE and Money 10-23-2018, 07:38 AM
Replies: 24
Views: 1,812
Posted By Cayman
Three Cheers!

Three Cheers!
Forum: Life after FIRE 10-19-2018, 01:25 AM
Replies: 1,098
Views: 94,679
Posted By Cayman
Whooeeee! 3 Teslas, a loaded wizbang laptop and a...

Whooeeee! 3 Teslas, a loaded wizbang laptop and a dream home with spa... keep 'em coming.



Way to go. Blow that dough!
Forum: Hi, I am... 10-19-2018, 01:09 AM
Replies: 21
Views: 1,967
Posted By Cayman
Welcome Fishing Guy. You look good to go - kudos....

Welcome Fishing Guy. You look good to go - kudos. You might consider opening an equity line if you don't have one yet. And hang on to your wife - she's terrific to encourage you to RE.
Forum: FIRE and Money 10-19-2018, 12:34 AM
Replies: 96
Views: 5,889
Posted By Cayman
The current benefit amount stays the same and...

The current benefit amount stays the same and future benefits are cut if we give COLAs a haircut like I proposed. The COLA is largely maintained. Current and future beneficiaries share the gradual...
Forum: FIRE and Money 10-18-2018, 01:27 PM
Replies: 96
Views: 5,889
Posted By Cayman
I'm conservative, so I run Firecalc for a 100%...

I'm conservative, so I run Firecalc for a 100% success rate without SS. I'm 51, ER'd.

I'd like to see annual increases to SS reduced. Just a small haircut to this year's 2.8% increase would have...
Forum: FIRE and Money 10-15-2018, 10:56 AM
Replies: 23
Views: 1,779
Posted By Cayman
For me, it's a game to see how well we can...

For me, it's a game to see how well we can optimize our resources given the parameters in my original post, and planning for a long life (which may be shorter than I'd like - who knows). Like you,...
Forum: Life after FIRE 10-14-2018, 02:32 AM
Replies: 1,098
Views: 94,679
Posted By Cayman
Good for you! You're headed in the right...

Good for you! You're headed in the right direction. Small steps, Palmtree. Small steps.
Forum: FIRE and Money 10-14-2018, 02:29 AM
Replies: 23
Views: 1,779
Posted By Cayman
Guess we'll work on spending a bit more, and...

Guess we'll work on spending a bit more, and target a 2.5% WR in 2019.

Thanks - Headed over to the Blow that Dough! thread for inspiration.
Forum: FIRE and Money 10-13-2018, 05:49 PM
Replies: 23
Views: 1,779
Posted By Cayman
Thanks Audreyh1. I've given my keyboard a...

Thanks Audreyh1. I've given my keyboard a work-out with Firecalc and other tools over the past 5 years and all say we can safely spend >3.5% over a 40 year period and meet our goal of ending with at...
Forum: FIRE and Money 10-13-2018, 05:09 PM
Replies: 23
Views: 1,779
Posted By Cayman
Sounds like we're pretty similar in our approach...

Sounds like we're pretty similar in our approach and planning - including the cash stash. Your plan to spend a little more in up years in a planned way sounds good, thanks.
Forum: FIRE and Money 10-13-2018, 05:01 PM
Replies: 23
Views: 1,779
Posted By Cayman
How much longer than 5 years, and any details...

How much longer than 5 years, and any details you'd care to add would be appreciated.
Forum: FIRE and Money 10-13-2018, 02:32 PM
Replies: 23
Views: 1,779
Posted By Cayman
Up WR or Wait a Few More Years?

A bit over a year into ER and wondering if our WR is too low or not.

Given our circumstances and goals below, I'm interested to hear your thoughts about upping our spending rate a bit (be it...
Forum: FIRE and Money 09-05-2018, 01:41 AM
Replies: 83
Views: 6,143
Posted By Cayman
Yes, and brain bake. The sun's mighty warm as you...

Yes, and brain bake. The sun's mighty warm as you go down in latitude.
Forum: FIRE and Money 09-02-2018, 11:08 PM
Replies: 13
Views: 1,246
Posted By Cayman
DD's college friends have a good source, if you...

DD's college friends have a good source, if you decide to go this route.
Forum: Other topics 09-02-2018, 12:28 AM
Replies: 46
Views: 3,103
Posted By Cayman
Thanks for sharing this Imoldernu. How fortunate...

Thanks for sharing this Imoldernu. How fortunate you and your bride are to have such happiness and contentment.
Forum: FIRE and Money 09-01-2018, 11:58 PM
Replies: 164
Views: 8,302
Posted By Cayman
Student loans sometimes get a bad rap. They can...

Student loans sometimes get a bad rap. They can be a good way to pay for college when there aren't better options. I was grateful to graduate with a marketable degree and student loans (totaling...
Forum: FIRE and Money 08-29-2018, 10:33 AM
Replies: 54
Views: 3,755
Posted By Cayman
One individual stock makes up a larger % of our...

One individual stock makes up a larger % of our portfolio than it probably should, but we choose to let it ride. Most of our equity allocation is in index funds.
Forum: FIRE and Money 08-29-2018, 09:52 AM
Replies: 164
Views: 8,302
Posted By Cayman
We cover most expenses at a v. good state school....

We cover most expenses at a v. good state school. DD interns in the summer and works during semesters, too. She pays $5k/yr toward her BS in a marketable field. For grad school, we'll help less.
...
Forum: FIRE and Money 08-27-2018, 07:05 PM
Replies: 20
Views: 2,562
Posted By Cayman
I'd take it out of savings. The IRA will be there...

I'd take it out of savings. The IRA will be there if you need it. Might want to check into renting textbooks DD is able to save $ on some textbooks this way.


And kudos on all of the work he's...
Forum: Health and Early Retirement 08-27-2018, 06:55 PM
Replies: 258
Views: 17,143
Posted By Cayman
The SS Trust fund deficit is unsustainable. What...

The SS Trust fund deficit is unsustainable. What do you propose?:popcorn:
Forum: Life after FIRE 08-27-2018, 06:46 PM
Replies: 52
Views: 4,070
Posted By Cayman
Looking good!Thanks for sharing BrianB and...

Looking good!Thanks for sharing BrianB and Kitesurfer2.
Forum: FIRE and Money 08-27-2018, 06:40 PM
Replies: 94
Views: 6,446
Posted By Cayman
1 extra year due to health.

1 extra year due to health.
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