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I dunno. In 29 years of marriage my wife and I have never had an argument much less a fight. Not sure I need to watch this.

I like individual stocks as it helps me to control my taxes. In my taxable account I have stocks like BRK, GOOGL, AMZN, etc. and they grow with no tax consequence. My cash for daily living comes from individual bonds and munis I own in the same account. In my IRAs I own dividend stocks...

$360,000 $35,000 in Taxes $100,000 in College Payments, etc. $45,000 for a new Car $39,000 for Vacations $32,000 for Medical Those are the biggies. 3% NWR so no worries. Need to get these kids out of college!

my WDR was 3% for 2023 - just about where it has been every year since I stopped working in 2018. More important to me is my Net Worth has increased 19.2% since I stopped working 6 years ago. Tells me I definitely made the right decision. But I definitely need to spend more or come up with...

My 2023 withdrawal rate was exactly 3.00% So even thought my spending number was pretty high with two kids in college I think I'm good. Been retired 6 years and my net worth is up 19.2%. Also seems like I did the right thing.

Easy Answer - Bought my first used car since college. 2022 Audi Etron (fully electric) with only 2000 miles on it. Flew to Denver and drove it home 2000 miles. Car sold 2 years ago for $79,000 and I bought it for $41,500 certified from an Audi dealer. Love being retired where a 5 day...

That's my take also. However, the Issuer did just borrowed $32M from the state at 2.0% and since this is just a piddley little $460,000 at 3.125% why not pay it off? Ha ha we will see in 11 days.

Thanks - Just checked and its callable 10/15 so I will wait and see what happens. Who knows.

Wow - That would make me very happy were it to occur. I have a 3.125% CT bond that I figured I would be holding another 12 years callable starting now....

The average interest rate for new cars is 7%. This has to have an impact on demand eventually. I know the folks on this site are not normally borrowers, but the average joe in the US is.

Similar position as you. I am 61 and just getting to retiring my 11 year old Subaru that i bought new. I normally buy a car and keep it for 10 years so my next car will take me to 71! So I want to buy a new EV and man the BMW IX looks nice at $85k! I can easily afford it and have come...

I drove across the border this summer cutting from Saulte St. Marie over to Vermont. The Canadian guy asked me where I was going and how long I would be in Canada. 2 Minutes tops. The US guy 2 days later said "welcome home" and that was maybe 1 minute.

I'll be comparing the price to other EVs such as the Audi Etrons. I think the Acura is made in the US with a US battery so should get the $7500 off plus another $1500 from state incentives - which would hopefully put the price into the mid 50s for the base model. Who knows where the prices...

I think I am on board for this when it comes out next year. Already have an ID.4 so am looking forward to being fully transitioned. This is the Acura ZDX - made in the USA with a GM battery.

My approach at 60 YO is I still do most everything myself but I bring in equipment to make life easy. Last time I painted the house I rented a spider lift for a week - holy cow that was easy - no ladders! If I had that painting job in the stairwell hello scaffolding! I also buy myself a new...

We have a Tesla Powerwall. We can easily cover 48 hours of whole house power and probably double that with just fridge and well pump. We also have solar which could recharge it if it is sunny. Where we live a power outage more than 3 days is pretty rare and I like the tesla system. It...

I buy individual bonds, mostly in VT where I live. Finally cracked 4% this morning on 12/28 Expiry (6/26 call). Woohoo!

In the five years since I retired my NW has increased around 14% and I have paid for 75% of my kids college during this time. Our current WD rate is averaging around 3%, so I don't expect it will ever peak.

Mine, fully paid for, is around 8%.

We have an '23 ID.4 and love it. Just hit 10,000 miles. Trying to figure out what to replace my aging Subaru with - not a lot out there with a bit of clearance and AWD for the snow. Probably will get a '24 ID.4 or maybe the Audi Etron.

We have three cars: 1. 2018 F-150 2. 2012 Subaru Outback (200k) 3. 2023 VW ID.4 EV I think until you have owned an EV its difficult to have a clear perspective on them. There is no doubt they have their shortcomings (mostly range based) but there is also no doubt they are far simpler than...

Congrats! I am at my 5 year anniversary retiring at 55. Money part has been easy (Net worth has increased 16% since I stopped working). Keeping busy has also been easy thanks to a lot of work on the house and a busy travel schedule. But life does throw you curveballs - I got diagnosed with...

I must admit I had never tried offering less than the ask on individual bonds (maybe I'm an idiot) but managed to actually get one hit today on a very short term (12/23) issue. I was delighted! I still think the bond market needs to catch up to the treasuries - all my calculators show them to...

We own a new VW ID.4, a Subaru Outback with 200,000 miles on it, and a 2018 F-150 with Eco Boost for just me and my wife with an occasional kid home for the summer. My conclusions: Daily Driving - The EV is awesome and we will never go back to an ICE for this. I'm even charging it with our...

Update - Received 3/28. So 2 months. Not bad. Went in and updated all my Global Entry and Airline info with the new number. Good until 2033!