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I'd max out I Bonds first. The rate's not locked in, but it's near 10% for the first six months.

Money is fungible, and I don't think the market conditions should dictate what you do with dividends. My preferred approach is to have auto-reinvestment turned off. This also helps in the event that you can do some tax loss harvesting, you will avoid accidental wash sales. If you have no use...

We flew here to Medellin the week after you. Used the COPA app to check in since we had no checked bags. When the line started forming at the gate, we got in line. At the front of the line, I had our boarding passes pulled up on the app and passports in hand. They said we needed paper...

There's also the scenario in which taxable lots with a low cost basis are donated. We donate directly from our brokerage account to a Vanguard Charitable DAF, and nobody pays any capital gains on those lots.

Definitely not.

This anesthesiologist wouldn't dream of doing such a thing or recommend it to anyone for the purpose of gaining an inch or two of height. Be grateful for what you have, and avoid the numerous potential life-altering complications.

There's nothing new in the article. It says the FI part will be emphasized, and that people will continue to pursue passions that may or may not lead to the generation of income. That finding purpose is important and idleness is not so great. That's been the message from most of us in the FIRE...

Time for a new doctor? Sounds like your physician is out of touch. He may also be jealous. I assure you that there is a generation of doctors very much interested in early retirement, for their patients and in many cases, for themselves. I've been out of the profession for three months now and...

43 with a family of 4. I looked into health sharing ministries, but opted for a bronze plan. Also looked into the open market a bit, but there wasn't anything different or better than we were able to find on the exchange. We'll be paying $909 a month for a family of four. No subsidy, but we...

I like how the article turned out. I'm not sure how I got asked for a quote as the "ordinary American" who made FIRE a possibility on $400,000 a year. I did refer the author to Jillian a.k.a. Ms. Montana, who is far more photogenic than I. I'm the guy with the monkey on his back and the second...

I don't think I want to read the comments. The Jensens are friends of ours. I've eaten in that kitchen, and they've eaten in ours even though we live 1000 miles away. It's always interesting when commenters' first reaction is some combination of "they're lying," "they're living like paupers,"...

I plan to fatFIRE next year. Some like to define it as having a really low withdrawal rate, but to me it makes more sense to define fatFIRE as having an above-average spending rate. I think I'll qualify under either definition, planning on a budget that could approach six figures, depending...

I'm 90 / 10 at age 42. Breakdown as follows:

I think the author would take the most issue with someone who chose medical school with no intention of following through in a career in medicine. For example, someone who want the MD to get a better job in the medical device or pharmaceutical industry. We should all be allowed to change our...

Most of them don't, at least not according to the NAPL survey. There is a bimodal distribution with BigLaw guys making good money and the average lawyer earning around $80,000 or less.

The post appeared on my site, although I am not the author. He reached out to me wishing to share his story, and I gladly obliged. As I often extoll the virtues of early retirement, I thought it would be wise to hear from someone who has attempted FIRE and found discontentment rather than joy...

When we lived in Michigan, those were all dimes, so I returned them all. I hated it, but I despised throwing dimes in the Recycling even more. Now, we crush cans and throw them in a trailer where the school collects them to bring to the scrap metal place for small change. Everything else that...

My target is similar to yours, and I should be about the same age when I hit the target, assuming the markets do what they usually do and recover in the meantime. You could pull it off now but you should willing to make sacrifices and reduce your expenses in down years. Another year or 2 could...

I've gone swimming with them in Homosossa, FL as part of an organized tour. I think it's only available in January and February, when the manatees are around. It was great fun, and educational. They are friendly creatures and love a good belly scratch.

As an anesthesiologist, I look in every patient's mouth. I had one patient with some false teeth (I can't remember if it was a bridge or dentures). His teeth looked ridiculously fake. Color was off, they were blockish, just really weird looking. I had to inquire as to how he got them...

I have no doubt this group would do better than those surveyed. That's what savings are for. Hopefully, we're not early retiring too early.

Definitely SpecID. I've done some serious tax loss harvesting already this year, and we're not even 3 weeks into January.

Anesthesiologist Former grocery bagger, bone marrow donor, lawn mower, etc... I've attained FI, will consider RE when I have 50x expenses in the nest egg, 5x expenses in the DAF.

Reached FI (25x expenses) in 2015, about 9 years after my first "real doctor" paycheck. I plan to continue making hay while the sun is shining. I'll re-evaluate my situation when my nest egg reaches 50x expenses. I will most likely RE in 5 to 10 years in my mid-to-late 40s.