Recent content by 02camp

No taxable accounts. A refi is out of the question. Looks like a 72t is in my future. I spent most of yesterday on the IRS website reading about early withdrawal. Gave myself a headache and more confusion. I may be making a mountain out of a molehill. Thanks for the ideas.

Photoguy, how do I get my hands on the cash without getting hurt on taxes? pb4uski, I've checked with the company's plan administrator. They do not allow periodic distributions, only a lump sum distribution. I would love to be able to leave the $$$ in the 401k and withdraw as needed. Thanks...

I have been lurking here a couple years and finally decided to post my situation. I'll be 56 in October and DW will be 53 in March. I have run my numbers thru FireCALC, RIP, RQC and ORP. I have spent considerable time with a Fidelity Account Specialist (I think that's his title) and my Financial...

Happy to see South Carolina make the list but Columbia? Charleston, Myrtle Beach or the Greenville areas are better choices imho.

We hope to be a part of 2014 as well. A few things will have to happen first though. Number 1 is we need to sell our house and downsize or pay the mortgage off. The second part is we will need to purchase 2 years of the DW's state pension. Third, our son will be starting graduate school in...

Is the floorplan a 30B? It seems there are a ton of those one the market. Also the miles suggest the unit may have been a rental. The unit may be priced correct. There are several RV forums on line with owners offering great advice.

Rescueme, thank you for your reply. I discovered an error in my inputs on Firecal which totally changed the outcome (GIGO). I did not click the DW's pension as yearly income but left it to default to reduced spending. Once I made that change, it showed a 100% success rate. Also, I use FIDO...

Thank you Col. Klink and PMR for the respsonses. It is reassuring there are others who have and will take the same path toward ER as we plan. I feel I have already benefited from this forum after only finding it a couple days ago.

Thanks Packrat and Haha for the replies. Now that I have discovered and run Firecal, I may have to delay my plans by a year or two. The Fidelity calculator I was depending on is more optomistic than Firecal. Oh well, such is life.

The weather is hot and rainy right now. I've already ran my numbers on Firecalc and was pleased. We plan on having no mortgage when all is said and done. I won't go without a minimum of $800K in the 401K. We currently live off $60K before taxes and do pretty much what we want to do. Her...

A little about me and the family. I'm 53 (turn 54 in October), married with a son who starts his junior year next week in college. My DW has a state job which offers a pension after 28 years of service. She has abouth 5 years to go but we can buy years of service to shorten that to 25 years...