Recent content by seabourne

Congratulations from someone else who joined around your time! Glad to see you hitting your goals!

I think that we have been fortunate as far as valuations go, but shouldn't expect the broad market to keep giving these sorts or returns. I don't think that the value of the broad stock market has kept pace with the price of the broad stock market. That doesn't mean it will drop, but it could...

With the stock market being at new highs in an extremely long growth streak, I'd take a dirty market timing perspective on putting it into stocks in a lumpy manner. The 3% mortgage is low enough that, despite it being nice to retire debt, I'd probably leave it alone. Instead, you might be able...

For what it's worth, I've always been somewhat turned off by Pete's shtick, but while Jacob's approach is significantly more extreme than I prefer, he does do it honestly. A lot of it is him being a hyper-analytic person with a low socialization need. I enjoy going to eat out, he's the sort...

In fairness, I planned May 4, declared May 18, and after client request, extended to June 1. The first extension allowed me to fill out 401k max, the second i was able to take one of the two weeks off, pick up a paid holiday, and extend insurance to end of June. It was worth it I think, but to...

Well, I had a great day on Saturday, mostly spending time with my wife and dropping into a friend's 40th surprise birthday party. Yesterday was back to w*rk on the sailboat. I'm doing 3 days a week sailing this summer before my schedule is fully done, but yesterday (and hopefully today) was a...

Last Day of Career Work! (Still getting paid to play around on the water sailing a few days a week this summer)

Last day!

Congrats! Congratulations! Enjoy the big day and have a wonderful lead in to the summer!

I'm 39, which impacts the rate of payout, but also, I don't believe that it can increase to account for inflation. Depending on your time frame, that could be a significant factor over time.

HNL Bill, that agrees with my understanding. I think that the larger issue is being locked in at a fixed rate that is very low for an early retiree. It's based on prevailing interest rates at the time you start, life expectancy or amotization rate, all of which are (or at least ahve been...

Yes, I think that you have it correct, though you might consider looking at where you fall on the tax bracket bubble. With everything going into Roth accounts, you are paying the marginal rate on some of that. While I wouldn't suggest putting everything into a refular 401k or IRA, you may look...

Well, I sent in my 2 week notice yesterday, and I'm already slipping to June 1. Client asked me to stay the extra to oversee a key project point. I'll take a week off before Memorial Day, and this means that I'll get the extra paid holiday, about 6 accrued extra hours of PTO, and health care...

Congratulations to another fairly young one. Where in AUS are you? Working on getting my AUS permanent residency application together this summer and may head to Sydney in the next year or so.

1. What pct of conventional IRA do you/will you have converted to Roth by your RMD Year? Most if not all probably. I'm 39 and planning on pulling the plug in under a month. This year I've withheld most of my income, and will convert a large lump to start a ROTH ladder. The total conversion...