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I find it easier to deal with office BS but much more difficult to drag myself into work each and I do have an unbearable urge to quit. I agree with your advice and will quit the first half of 2015...although I'm suffering from OMM syndrome - one more month. :nonono:

At first I thought you meant a quarter of a century, which would be a bad thing to lose. But a lost 3 months? We lose days, months, and quarters all the time. Nothing to worry about. Nothing would change for me.

Thanks for posting this. Nice way to smooth volatility and gives me food for thought.

I went from being FI to not being FI to being FI again. I plan to RE next year but this makes me think that maybe I need a 10% or so cushion before RE.

I like to keep my investments simple and follow Jack Bogle advice (the founder of Vanguard). You don't have to do things complex. I'M: 40% low cost total stock market index fund 10% low cost total international stock index fund 45% low cost total bond market index fund 5% iBonds <== this is...