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Thanks for the kind words, street and RxMan.

11-18-2022: Clawed back to 400,000. Still down a couple 10K from the peak despite significant investments in the last 1.5 years. Of course those 400,000 are now worth more like 350,000... Oh well.

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Very nice, but that's actually 1/2 (50%) more!

I'm curious why you would say that. If you don't mind me asking, of course.

How can you retire really early if you work 35 years? 😄

I can at least offer some perspective from Germany. As you may or may not know, we are one of the countries with a quickly aging population, just behind Japan I believe. Now that boomers are starting to retire, this is putting significant pressure on our version of SS (GRV or "gesetzliche...

I'd take that, but realistically, I expect it to take closer to 8 years for my holdings to double again. The bigger the stash gets, the less impact my contributions have.

400K Reached 400 grand in investments! Actually, we went on vacation for a week and came home richer than we left! :D 03-20-2015: 100,000 09-24-2018: 200,000 09-24-2019: 300,000 06-03-2021: 400,000

Please, OP is interested in a watch, not some plastic piece of crap. Personally, I wouldn't venture into five digits because I'd worry to much about it being damaged or stolen. But if I'll ever have too much money, a Patek Philippe 5396G-011 or an IWC IW344202 sure would be a treat.

I doubt it. Not sure if this has been mentioned before, but Pfizer really only provided financing and test/vaccine production infrastructure here. The development of the vaccine was done by the German BioNtech, which, while maybe not a startup any more, is a relatively new (founded in 2008)...

OP even got the second part right, too, and still failed to reap any benefits! Very interesting. Many thanks for sharing.

Antibiotics do nothing against virus infections. These unnecessary prescriptions are a big reason why so many pathogens are becoming drug-resistant. Glad to hear your niece is doing better.

The average benefit in Germany is just about 800€ per month. However, this includes a lot of very small Renten, because some people only contributed for a few years before becoming self-employed etc. You need just 5 years having paid into the system in order to draw something (however small)...

Quite possibly so, but how is that relevant to the question at hand, ie. how much filing early or late reduces or increases the benefit?

Thanks Alan - so, slightly worse than the German bonus for waiting, much worse than the US one. Also, '1% for every 9 weeks' is hilarious. Reminds me of when there were 240 pence in one pound sterling. Or, a hundredweight consisting of 112 pounds. :laugh:

Inspired by a recent thread, I decided to look up how benefits change if you file early or late for Germany's "gesetzliche Rente" (basically our version of Social Security). The earliest age to draw Rente is 48 months before FRA (so, at age 63). Benefits are reduced by -0,3% for each month that...

I thought it was called the Boho paradoxon.

Basically anything Omega made in the 1960s is gorgeous. The Constellations will be over 1k, but many other models in steel will fall in your price range. I have a 1969 Seamaster much like this one that I absolutely love. They are rather small (usually 34mm) for today's taste, though.

Boeing reports no new jet orders in January Airbus had 247. This is going to get A LOT uglier than people seem to realize. I wouldn't touch BA with a 10-foot pole.

Had to adjust column width in my tracking Excel. One number at the bottom didn't fit anymore. Cause we are a millionaire! :dance: Disclaimer: This is joint net worth for DW and me. More than half of it is home equity.

That's really all I would need to know. 4.25% guaranteed, after taxes? I'd be all over that. Of course you need an adequate emergency fund, but that should go without saying. (Disclaimer: Personally, we no longer make extra payments towards our mortgage, but then, the rate is 1.41% fixed.)

Going on the record with her full name and a photo, obviously.

So what happened around 2018-2019? Just curious.

Thanks! More like 12 years, according to my calculations, but who's keeping score. :laugh: At least I dearly hope there will be no more inheritances in my near future. :(