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Search: Posts Made By: treeofpain
Forum: Hi, I am... 09-17-2018, 07:30 PM
Replies: 13
Views: 905
Posted By treeofpain
One way to view things is to "in your mind"...

One way to view things is to "in your mind" convert the income from the pension based on (arguably) standard retirement rules-of-thumb. If she gets $48K/year in pension, that is the functional...
Forum: FIRE and Money 09-17-2018, 07:19 PM
Replies: 20
Views: 1,024
Posted By treeofpain
Sounds like a very reasonable plan.

Sounds like a very reasonable plan.
Forum: Young Dreamers 09-17-2018, 07:17 PM
Replies: 11
Views: 314
Posted By treeofpain
The fees on the target funds tend to be on the...

The fees on the target funds tend to be on the high side.
Forum: Hi, I am... 09-15-2018, 09:26 PM
Replies: 26
Views: 1,050
Posted By treeofpain
You have $3.5M worth of stuff. Congratulations,...

You have $3.5M worth of stuff. Congratulations, that is quite an accomplishment.


I doubt that we will see the preexisting condition part of Obamacare repealed. It would be political suicide.
...
Forum: Life after FIRE 09-03-2018, 07:25 PM
Replies: 35
Views: 1,545
Posted By treeofpain
It's Byoo-fert.......y'all....

It's Byoo-fert.......y'all....
Forum: Other topics 09-03-2018, 06:35 PM
Replies: 12
Views: 455
Posted By treeofpain
Careful: alcohol can make you one think they are...

Careful: alcohol can make you one think they are creative when they are just uninhibited. But that can be fun too...
Forum: Life after FIRE 09-03-2018, 06:34 PM
Replies: 35
Views: 1,545
Posted By treeofpain
Temperature, beach, and taxes are good...

Temperature, beach, and taxes are good qualifiers, but you will probably need to dial it in a bit more. Specifically, what sort of culture are you looking for? Living in SC, there is a dramatic...
Forum: FIRE and Money 07-28-2018, 09:32 AM
Replies: 76
Views: 4,263
Posted By treeofpain
There are various approaches, depending on your...

There are various approaches, depending on your risk threshold. My perspective is that I will never spend my retirement fund. I will live off its earnings. You can debate whether the withdrawal...
Forum: FIRE and Money 07-21-2018, 04:42 PM
Replies: 159
Views: 14,140
Posted By treeofpain
Why not wait until August when the stock vests...

Why not wait until August when the stock vests and then say goodbye?
Forum: Other topics 07-20-2018, 03:45 PM
Replies: 288
Views: 15,634
Posted By treeofpain
Pics would make this an entertaining thread...

Pics would make this an entertaining thread...
Forum: Hi, I am... 07-07-2018, 06:58 PM
Replies: 21
Views: 1,264
Posted By treeofpain
There is no replacement for strong income + time...

There is no replacement for strong income + time + a good plan. Looks like you are on your way.
Forum: Young Dreamers 07-06-2018, 06:54 PM
Replies: 33
Views: 3,338
Posted By treeofpain
I also just hit the "2 comma" threshold. ...

I also just hit the "2 comma" threshold. Congrats!
Forum: FIRE and Money 07-06-2018, 10:44 AM
Replies: 540
Views: 41,820
Posted By treeofpain
Up 3.4% ytd

Up 3.4% ytd
Forum: Other topics 06-16-2018, 07:46 PM
Replies: 103
Views: 7,775
Posted By treeofpain
I do some financial counseling, and I most people...

I do some financial counseling, and I most people I deal with have WAY less than $1M in retirement.
Forum: Other topics 06-16-2018, 07:18 PM
Replies: 103
Views: 7,775
Posted By treeofpain
Maybe they are considering someone who has a...

Maybe they are considering someone who has a $40k/year pension as having $1M (using the 4% rule)?
Forum: Other topics 06-16-2018, 06:35 PM
Replies: 103
Views: 7,775
Posted By treeofpain
Mean and average are the same thing. Median is...

Mean and average are the same thing. Median is the number that is in the middle of the range, with equal numbers of people on either side. So it makes sense that the average/mean would be $752k and...
Forum: FIRE and Money 06-15-2018, 12:17 PM
Replies: 9
Views: 1,006
Posted By treeofpain
I have conventional health insurance through...

I have conventional health insurance through work. Guessing I am not eligble for HSA?
Forum: FIRE and Money 06-15-2018, 10:34 AM
Replies: 9
Views: 1,006
Posted By treeofpain
We have hobbies and are generous to charities we...

We have hobbies and are generous to charities we believe in. I enjoy my job, and there is some financial upside, so I am just trying to understand investment options as my income increases.
Forum: FIRE and Money 06-15-2018, 08:40 AM
Replies: 9
Views: 1,006
Posted By treeofpain
What's Next?

I am 54, have $500k in retirement accounts, and have no debt. Kids' college is covered and we pay cash for everything. We keep $25k in an emergency fund. Gross income is $125k and we live on about...
Forum: Other topics 06-02-2018, 10:34 AM
Replies: 100
Views: 5,101
Posted By treeofpain
I am not saying that loaning to friends/relatives...

I am not saying that loaning to friends/relatives always ends badly, but it changes the relationship. And if you aren't paid back as agreed, it can ruin the relationship.
Forum: Other topics 06-01-2018, 07:14 PM
Replies: 100
Views: 5,101
Posted By treeofpain
Except the deception involved. You are very...

Except the deception involved. You are very generous, so just call it a gift if that is what it is.


If someone wants to borrow money and they cannot get credit on their own, that means that the...
Forum: Travel Information 08-21-2017, 03:05 PM
Replies: 37
Views: 2,354
Posted By treeofpain
We've been on 15 cruises since the 1990s. When...

We've been on 15 cruises since the 1990s. When they went to the automatic tipping, it rubbed me the wrong way at first, but I guess people just aren't very generous. We usually add a little extra...
Forum: Stock Picking and Market Strategy 07-07-2017, 08:59 PM
Replies: 43
Views: 2,860
Posted By treeofpain
There is no "right move", just the right move for...

There is no "right move", just the right move for each of us.

5% guaranteed with no risk and full liquidity - sounds great for someone who wants to balance/reduce risk but still get a reasonable...
Forum: FIRE and Money 07-02-2017, 09:28 PM
Replies: 9
Views: 866
Posted By treeofpain
What will your interest rate be on the new home? ...

What will your interest rate be on the new home? That is the rate of return you will enjoy risk-free if you use the $$$ as a downpayment.
Forum: Other topics 06-27-2017, 11:58 AM
Replies: 26
Views: 1,419
Posted By treeofpain
It is easy enough to scan your will and have that...

It is easy enough to scan your will and have that converted to a Word document. Then send that to a new attorney for revision.
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