REWahoo,
I'm currently at about 25% equity, but as stated elsewhere, that contains way too much residual old-co. stock. That stock is so beaten down that I don't have the heart (no, thats not "sentimental" heart) to dump it at this point. I'd actually be tempted to buy it if I didn't already have way too much.
But, yes, I think I could see myself at 40/60, so maybe there is hope for me after all!
Uncle Honey
Sounds like our situations are somewhat similar. I've obsessed over "The Number" and run endless calcs. in the past. I think what I'm trying to do is arrive at a point I can finally say "There! Now I'm all set and don't have to run any more of these calculations. I've got plenty, now just enjoy, already!"
But... Then I start to wonder, what if...
I've been retired almost 3 years, but the life (and life style) I'll be leading is still not at all clear since I moved 4000 miles and several culture zones away from my old home about 8 months ago. I hope within a year to have a much better picture of my spending. Right now, I've had to dip into the stash for moving and home upgrades at the new place. But that should settle down soon.
Like you, I don't doubt that I could survive even with multiple financial set-backs. Frugal is something I do well. (Just ask DW, heh, heh.) But now, I do want to "live" a little without questioning every $.
I also do not have an official budget (never have) but have a pretty good idea of what I can spend right now. I guess it's 20 or 30 years down the line I'm stewing over. Thanks for your thoughts. They help (at least they make me feel better!)
Cute Fuzzy Bunny
Funny you should mention it. I've actually done that calculation and it says I'm fine, even to 101. But... What if...
I do like Wellesley and have a chunk. Indeed, I hope to consolidate all my non-401k money at Vanguard, eventually.
I agree with working until zero worries. Thought I'd done that and then...
What if... I know, I know, sounds like a psychological problem. Probably is.
Thanks to all for listening/responding.