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Same here

Same.

I started converting at 55 (Fired). With interest rates so yummy high now my taxable income has increased to a point where my conversions will be half of what the had been to stay at an acceptable effective tax rate.

Fees compound big time over the years beyond the quoted rates. Lots of nickle-and-diming as well. Whatever numbers you come up with I suggest "stress testing " assumptions.

I pulled the plug 10 years ago this month at 47. My investible assets are close to two times what they were despite living off investments. My point is... Set a course and make adjustments along the way. I work the numbers regularly. Built a income and expense plan. Blah, blah. Early effort...

Given higher interest rates RMDs make less sense for me now. Started three years ago at 54 (I'm FIREd) when cash was trash. Now. My cash is throwing off significant income, CDs etc. Nice problem to have but it bumps me up to the next tax bracket in a big way. I do quarterly conversions and ran...

They do address that in the movie. It's an odd "film " Too many Adult themes for young kids ( anyone for "beaching each other off")and too mind- numbing for adults. No idea why it's so popular. I went as a concession to SO.

Agree

I've noticed the abuse of federal COVID money. Without too many details I find it amazing that two restaurant owners I know sold and are now retired,, young. I thought the restaurant biz was slammed lol. One other bought a penthouse in the center of town. A friend in the insurance biz (owner)...

Happy Hour! Tito's and soda $4.50. Domestic drafts $2.00.

Loved Daisy Jones and the Six.

Have an ebags soft shell suitcase/backpack.Small enough to meet AA overhead requirements. Heading to Ireland for 9 days with it. . Will update with my experience.

Made my own at home. Fresh squeezed lime juice a touch+ of agave syrup and 100% pure agave tequila.

Agree regarding the definition of hobbies. To that end, my "hobby" budget went from $2k-$3k a year before FIRE (my 10 yr FIRE anniversary is in September) and the first 5 years in to closer to $5k-$6k the last few years.

I also bought a 4yr at 4.8 at a local credit union in my taxable account. I only go small with those as the penalty is a full 365 days of lost interest.

Anyone know if an alert can be set/sent when new Cds come online? I got at 4.75 non callable 5yr about three weeks ago with a partial rollover from myv401k where stable value was at 1.9. only placed half. Then this week I panicked a bit and bit on a 4yr at 4.4 with half of what's left. I check...

Replaced a sink in the master bath today second ready to go faucet and water lines in place and will install tomorrow after "digging out" the one that's in there. At that point I'll have replaced all four bathroom sinks. Pro did the kitchen as part of a remodel.

Own them all as well [emoji16]

Season three is worth your time. I love it

Indeed! A slight hassle but worth the lift.

Did a partial rollover from 401k to traditional IRA to up the return from stable value fund yielding 1.9 to non- callable 4.75 CD

Plus 1

You can buy non Fido ETFs at FIDO ( unless you're in a 401k type plan). Doubtful any 401k would offer a JEPI covered call type product. Especially given the use of equity linked notes to generate the options income.

Look at DIVO as well. With dividends being consumed it's better long term growth wise though if divys reinvested about even. JEPI has such a limited track record so it's not a true head to head. I own both in small amounts.

+1