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Net Wealth since Graduation (Assets minus Debts) 2005$7,500 2006$24,993 2007$44,112 2008$41,546 2009$80,113 2010$137,763 2011$92,010 2012$134,414 2013$200,620 2014$248,183 2015$200,237 2016$276,832 2017$376,003 2018$388,309 2019$579,052 2020$798,717 2021$1,014,346 2022$1,167,302 2023$1,350,893...

I know market timing isn't popular here, but I think this might be a good place to get some sound advice on getting cash back into equities with the markets as red as they are. The collective knowledge and experience here is incredibly rich... In general I don't believe in timing markets (but I...

edit... just realized I posted this to the wrong forum, I'll repost where it's supposed to be. Sorry for the mistake. Please delete this if possible.

Everywhere you see warnings about this... here's my story: I'm back to where I started in February of this year. But this year has been more stressful because of an experiment of sorts, where I decided to see how trying to time the markets would go... Here's my story in a nutshell, shared...

My Google searching has failed me on this one, so has the CPA from TurboTax Live. I don't think my situation is very unusual though, and I'm sure this is something people here may have dealt with who have had real estate investment (rental properties) so I thought I'd ask, even if most here...

I felt compelled to post an update on my FIRE path, or more a story and perspective. I think mainly because writing down my thoughts is a means to organize them. I often revisit what I've written in the past, as a diary of sorts... or a glimpse into my mind from a different time, as a means to...

A little perspective on the 11 year bull... which might be very helpful for the other young dreamers. I'm 37, so long term (mostly stocks) is my AA lean. There is no doubt that the 2010's have been a good decade for investing. It's the only decade without a recession. According to a recent CNN...

For anyone who has successfully found a good FIRE partner or is currently searching for one, I'm wondering how/when you brought up your financial situation with your prospective partner? It would seem that wealth (high salary or high net worth) should be kept private, to avoid that being the...

I think most everyone here keeps a spreadsheet of their own to record progress (if not on paper, than at least in their minds). Over the years I've tracked my own progress, and it's fun to reflect on the ride from then to now. I'd say I'm about half way (in terms of years) towards FIRE. I do...

I'm a mechanical investor, so I avoid emotions (best I can) and stick to plans, always looking for a deeper understanding of how these processes work. Over the years I've read countless books on the long long term patterns in the market, and I've even started to run my own on what I can get a...

I wanted to pose a question, in an attempt to calibrate my mind towards an appropriate understand of what works best... Assuming the goal is to FIRE around the age of 50... Is there an ideal ratio of 401k vs taxable account values? I've always had a mindset of getting the 401k as high as I...

I've come to realize, and appreciate, how many reflective minds there are on this forum, and that creates the opportunity for some rather insightful wisdom on living and life in general. I'd love to hear people's thoughts on what, if anything, they might change about their life and progress...

I was helping a younger friend (he's entering his mid 20s, just starting his career) understand investing in general, and trying to teach him not to chase returns, and not to react to the market's tide... thought the following e-mail might help others... The key is... to flip that internal...

I was playing around with historical data on the S&P500, and got a hold of S&P500 return data from 1871 through 2015 that included Jan-Jan figures for overall return with and without dividend reinvestment and also with an without CPI adjustment (inflation). I put this data into a text file and...

On May 16th, 2012 http://www.early-retirement.org/forums/f44/stocks-the-next-decade-61422.html#post1195163 (wouldn't let me reply to it... it's too old ;D) Four and a half years later and we've seen at 64.3% return in the S&P500, right in line with the conclusion made in the post from the...

I may be getting ahead of myself here, but I like to plan and am trying to make sure my thought process here is on track (appreciate any feedback on what I may be missing) I've maintained a term life insurance policy since having children that would cover all their expenses and education...

Back on track may be the wrong phrase. Much more aware of the suck that life has (had) on retirement progress. A few years ago I assumed I was on a good track to save for retirement, but the spending was getting out of hand... so it's a bit like shooting yourself in the foot (Example: if you...

Looking for others advice and experience (wisdom) in selecting a smart allocation moving forward. What is the best way to invest with a 20+ horizon until I'll need to start pulling down. I've found I have a fairly high(er than average) risk tolerance, and I am at least 20 years out from my...

I am trying to track down the main differences between these two investing types. In a nutshell what is the difference between an Index Fund and an ETF? For example: VSMAX - Vanguard Small Cap Index VB - Small Cap ETF They both have an expense ratio of 0.09% and both have identical 10 year...

I think it was one of the series in Zeitgeist (Netflix) that was pointing out the Global Economy, or all of the worlds monetary systems, are based on a necessity for growth through debt. That is, the sustainability of economies requires money to exchange hands, and a lot of that occurs through...

I understand that a lot of factors can influence the math (some are addressed below and if any are missing please chime in), but from a strictly cash-flow perspective here was my analysis of when to collect... I'm only 33 (well turning 34 this week), so long way out for me. I'm just curious to...

After 10 years with the same company I switched jobs to a new company. I am now in the process of rolling over my old 401k to an IRA. I understand this is a common thing, but I haven't found much discussion on a situation like I'm encountering. Just wanted to make sure I'm not missing...

There has certainly been an explosion of this kind of thing recently. Until now I've avoided it, out of the expectation that in the long run (I'm only 33) equities will produce far more return. I had a debate with a family member this weekend that got me thinking as to if it might be worth...

I keep records of these figures in excel so thought I'd attempt to make some sense of it now that it contains 10 years. I am 33, and entered the work force full time when I was 23. I find it is better to give percentages in place of actual figures. fys = first year salary Salary Progress...

James O'Shaughnessy had a very good book (shares the title I used for this thread) that I was trying to dig up at home this weekend, about estimating ranges and how far from the long term trend we are... you know that 100 year linear line showing how the overall markets grow. You have to get...