Recent content by 54andchange

Out to Lunch: you are rude and your behaviour sophomoric. Your sarcasm, as a belittling attack towards me, is uncalled for. If I say I am a Roth Skeptic, who are you to imply I am not, or that the position itself is invalid? Yes, the Kiplinger piece could have better explained why paying...

Long-term Roth skeptic here. I also believe, as one reply here already surmised, that roth threads largely are answered by Roth fans. I converted to Roth last year for the first time, stopping at the state retirement exemption level limit here, avoiding all state tax on the conversion. I...

None. The cash drag (negative real return after inflation) and opportunity cost of not being invested seem mathematically unsound to me. Of course there are, as always, sequence of return risks, but what most people don't realize is that those risks cut both ways. In our case, market went up...

15% now in a low cost of living area for retirement, post geo-arbitrage move from a medium cost of living City while working. Career/City pre-retirement number was 35% . Similar size and quality of houses in both areas.

Traded in a 2010 Ford Escape for $3,000 and replaced it with a BMW X5 plug-in hybrid, Used of course! First time ever I've had the highest trim level of any vehicle, still discovering every day many new automated systems and features one month in. Gadgets galore with so, so many things...

4180

I've always enjoyed the irony of the username of our beloved PB4USKI member here, because as we all know you "pee while you ski" and never visit those useless shopping malls at the base area. Outside all day, pack a lunch. Nothing like a picnic on a secluded Ridge top featuring sweeping...

Having recently retired from a blissful, powderful 25-year run of deep Utah powder skiing and riding, looking forward this winter to some more traditional destination trips now that the Wasatch is locally "out of bounds" so to speak. Picked up a mountain Collective passand we have a late...

Two Comma Club, times Two. So happy I retired immediately when I hit my number! Life is too short.

They mis-applied my lump sum principle payment to the escrow (used for tax and insurance), so zero benefit to me. These are not servicer "mistakes". Follow up every time! I only was able to catch it by having an online account setup with the "hidden" servicer my credit union sold the...

Thank you, dadu007. Have Miss Moneypenny pour you a Martini, shaken not stirred. You earned it. New site should be more meaningful for casual passersby. Love the ability to put in zero future earnings and then recalculate. FIRE friendly. Good user interface, too.

My helpful tip on plan SPD rules potentially not supporting your rule of 55 withdrawal plans is valid, and well documented in other threads in this and other forums and many financial advise articles. Company plan providers may not allow withdrawals, may require you to take all at once as a tax...

Make sure to find and read your company's specific 401(k) plan SPD online at your benefits site. Some do not support the rule of 55. I recommend not trying to call your HR department as they generally are ignorant of this. You need to read your company's plan SPD yourself. The...

A career, your human capital, is a bond proxy. Therefore, 100% equities during accumulation phase is a balanced portfolio. The best revenge is leading the good life. Capital Gains can be tax free in Early Retirement. FIREcalc and C FIRE SIM calculators lend neccesary courage to retire...

Thanks for the news. Unlike Fidelity, where one can buy fractional zero cost index funds and enjoy the satisfaction of truly being 100% invested, "Chuck" leaves me with an unsatisfying $1 to $60 or so uninvestable in cash. Now I will be able to put it to work. No more slacker dollars on the...