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Welcome! I am something of a newbie here myself. Let me add to the chorus of people who find it inspiring to see what you have accumulated as a delivery driver. I'd love to know more about your income, but that's just me being nosy. Are the tips that generous? I imagine delivering in a...

Kotzen Alright, rejoice in the splendor that is Richie Kotzen. AMAZING guitarist, and what a voice!

This is great information, thanks to all who replied. A couple of followup questions: Question 4: One example was given which involved selling an emerging markets ETF and immediately buying a different company's emerging markets ETF. Would this avoid the wash sale restriction? I'm thinking...

Heh, some good replies. I guess the answer is as I suspected - it depends. Is the glass full or only half-full? Either way don't let the lawyers drink from it. Cheers!

I realize this is not the usual time of year for tax loss harvesting questions, but what the heck.. There are a lot of smart and knowledgeable people here so I am trying to take advantage. ;D I understand that the general idea behind tax loss harvesting is to sell investments that have losses...

Welcome, I'm a newbie also! I second the recommendation to consider a 30 year mortgage. If rates are still crazy low, lock in something low and let the term stretch way out into the future. Then put all (or most) of that extra money you might have used to pay down the mortgage into equities...

This is hardly an important question, but still something I have wondered. If two people (spouses, for example) jointly accumulate a net worth of $1 million, does that make them both millionaires? Or are they each a 1/2 millionaire, in which case they would need $2 million to be considered...

A good point - this is a benefit that I hope will materialize for us after FIRE, although I will not count on it financially. But having more time (and energy) should allow us to trim some expenses and be more efficient. It amuses me that my physician wife envies the "extreme couponing" people...

Yes, a good thing to keep in mind. I really haven't given much thought to it, except inasmuch as I know the 4% SWR guideline does factor in inflation. We currently have an 80/20 asset allocation so having a heavy stock tilt probably also helps a bit with inflation. And right now half of my...

Thanks ggbutcher, it is always nice to hear others affirm what I think I already know - that we are pretty well along towards FIRE. I have only roughly tried to sketch out our ER expenses; there are too many unknowns. Health insurance is a big one. But also kid-related expenses, as our...

Thanks for the welcome daylatedollarshort! I guess I am lucky to have a naturally careful/frugal mindset. My family didn't have a lot of money growing up and I think the tension around money and bills certainly affected my outlook. Financial security was always a top priority to me. On the...

Full time is not really living Full time is just too many hours. On-call shifts 1-2 weeknights per week, and all weekend every 4th weekend (that's Fri/Sat/Sun and being physically present at the hospital all day Sat/Sun). Plus normal weekdays can be long - 9-10 hours is typical but there are...

"Good" debt? Thanks panacea! Yes, it would be nice emotionally to see those debts eliminated, but the practical/numbers side of me is not so sure. The student loan, with some Sallie Mae discounts, is at an effective interest rate of 1.625%. To me, that is a "don't pay a penny off early"...

Hi all, I just posted my first couple of posts so I guess I should post my "story" here :). I'm 40 with a wife (38) and child (7). We both work and have a very good combined income > $300K. However, there is a lot of stress and doing all the child-related tasks on top of our jobs is not the...

Thanks! Different school. Mine had about 4,000 undergrads in the 90s when I attended. You attended in the 50s (!). I guess your username is correct :). By the way, I have read a bunch of your posts and only recently figured out what your username means. Sadly, it's not even possible for...

My niece graduated from a private high school with a BILLION dollar endowment. Seems to me that thing should be throwing off enough cash to run the school for FREE for EVER. But instead tuition is +30k/year. Heh, good point. I graduated from a very well-endowed college. I get the constant...