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I don't know if you are in to it but cruises go out of Galveston. Not on your list but for beaches South Padre Island is amazing and the bay would be fun if you are bringing your sailboat.

No loan money stays the same. With loan money loses 2.6%.

Retired 7 years, current age 57. We have 77% stocks and plan is for this to drift higher as we age. Despite our best efforts at blowing the dough our portfolio balance has increased 49.6% since we retired.

I bought Wellesley last March for part of my 10-year spending ladder. CD's at the time were paying over 5%. Wellesley has paid over 8% the last 12 months. So far so good!

Nah. Just keep an eye on things occasionally with phone and go look at the kangaroos.

We drink whole milk from HEB with 13g of protein and 6g of sugar. Primarily for cereal.

Age 16 5'10" 160 (first driver's license) Age 57 5'10" 164 (today for this thread)

+5.76% Total return including dividends

Blow the dough!

Our portfolio withdrawals this year were 3%, the highest level ever for us.

If my wife and I drove off a cliff into a deep ocean everything would continue to get paid automatically except insurance and taxes. Even our income is automatic. Credit cards paid automatic. Most paid via Venmo credit card for 3% back. Others bank draft. We go on some extended trips of couple...

We are going to in New Orleans for 3 nights this May so interested in this thread. Last time I was there it was fun listening to the free jazz on the street and having some simple but delicious food. Anyone have suggestions on a good place to stay? I have temporarily booked the Provincial Hotel...

14.7% 74/26

Costco mature multi-vitamin D3 Per doctor C Tastes good

We retired at age 50 so have been spending down after tax money and Roth contributions to take advantage of government healthcare. We also have a small pension and a 72t which takes care of the low tax brackets. At age 65 when everything kicks in almost all income will be taxable.

I had some of the same issue date bonds. $11,208 was my payout also. This matched closely with what I calculated (using 6 months each of 7.12%, 9.62%, and 6.48%).

Just sold all my ibonds. Done with treasury direct.

We are working toward 100% Vanguard. Nice and simple. Sweep account is great at 5.3%. We have mostly stock index funds and brokerage CD’s so do not need anything fancy.

10.6% AA about 70% Stock Index 30% CD/MM

One conservative thing we did was fill our “gap to SS and Pensions” with cash (CD’s and MM at the moment). This resulted in an overall 70/30 portfolio. All of our expenses (up to about 100k/year) are now completely covered using this cash, pensions and social security. The remaining 70% of...

Slightly undervalued based on my historical 10% expectations.

0% equities needed so will likely go 100% equities (after age 65 or so).

4% is about the worst case scenario in history. Something higher is more likely (and expected). The caller had a lot of money so could be flexible when dealing with sequence of returns.

Wouldn’t this approach be locking in one of FIRECalc’s worst case results? There has to be a better way to be conservative and also get some upside potential.

All the accountants will squeal since you used an accounting term “Net Worth”. Just rephrase the question as how much is a pension worth and the answer is not zero.