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Everything y’all mentioned has been true for me - I used to think insurance had to be the cheapest price, but now I have a spreadsheet where with every 90 day renewal, I check each at good rx, cost plus, Costco and to my surprise, Amazon’s new pharmacy! At amazon, it’s been super easy to...

I'm not totally sure my spouse and I are on the same page there. I personally want ~.5%, but I suspect my spouse will say 1% or less is OK. From quickly looking at existing accounts at Vanguard and Fidelity, it seems like using those FA guided options could be in the ~.3% range. Also, when...

hello all - OP here - and the meeting happened. The FA explained the fees I read weren't accurate and we'd pay 0% on that particular investment option. But then we started into an AUM discussion (before we have paid annual planning fees) which will be continuing in the coming weeks. Yes, we...

OP here - Thank you all for the variety of replies - they have fortified me and my spouse. Our plan is to use the FA meeting this week to plan how to get to a leaner, set / forget approach that we will eventually take over and self-manage (thanks Aerides, your post was very much our mindset)...

Thanks for all the thoughtful responses. It's funny how I thought I was asking one question, but you all answered the question at the back of my mind instead. I don't think we're ready to dump him yet, but I'm trying to figure out our plan to get there :). FA has done a great job getting two...

Hello all - I posted my hello/details here (wow, more than a year ago), and things have changed! My spouse and I have started what we're calling our "sabbatical" for at least a year while we figure out if we're really the big R. My severance ended in July, spouse quit their untenable job in...

So glad to read everyone's progress! For my own story, my last day at work was 3/31 and my severance runs out mid-July for it to really financially feels like I'm no longer employed. Since March, I've been enjoying a few beach vacations and happy to have been vaccinated. Now that that's done...

Are you me? All of your points are similar to mine - I cannot wait until travel is a bit safer! Egypt was where I should have been this past November :( And I am looking at the first 2 years jobless as a test - both emotionally and financially. If it makes sense to consider earning $, I'll...

I could argue it either way I guess - my last work will be March but my last paycheck will be July...so why don't we say July since that's when the financial rubber hits the road :) This will be the first time in 35+ years where I won't have a paycheck! Scary but exciting! :clap:

Hey y'all - so my layoff was officially deferred for 3 months, so my new severance end date is 7/15 and thankfully I will stop working 3/31. I am looking forward to what this year has to teach me!

That's great! What a nice feeling to have them both lined up so neatly for 2021! My update is that I was asked to stay 3 more months to finish a project, so my new end date is now June-ish. 3 more months of salary will pay for a home renovation project I had been thinking about, so it was a...

Fingers crossed for you! I did the same thing - when the rumors started to float about layoffs in January, I let my boss know I wouldn't be heartbroken to get a package! I had already worked out that it'd be a generous ~4 months severance. So when the layoff notification did come in August...

SNIP Honestly, WFH has been my best friend - I don't have to visually justify what I'm doing or what I look like I'm working on! I just focus on doing at least the minimum effort and not leaving any of my coworkers hanging. It doesn't mean I'm not doing a good job, it just means I'm...

Might as well add me in there too! I've waffled on how much to tell my coworkers - some know I'm close, some are 'worried' about me with the layoff. I just tell them I've been expecting it and will be fine :coolsmiley: its nice to know even if its just a sabbatical and not the real thing, I...

Thanks! If I do it via the second tab (Other Income/Spending), the year indicates "starting in", not ending in? That feels backwards? Alternately - for the not retired tab, if I put say 2024 when spouse retires, then I need to subtract my salary from each year on the Spending 2nd tab?

I ran FIRECalc with a total of $2M assets, $100k spend, and retirement year 2021. That gives me 72% and 93% if I add in SS. Now I'm figuring out how to model me retiring in 2021 and figure out when my spouse can retire (2024?). HI Bill had some ideas on that that I'm trying out now. Our...

Fingers crossed that ACA either stays the same or improves in the future! If that happens, it'd take a load off of my worries.

Hi Everyone! I just posted in the "hello" thread and think I'm joining you all in 2021! Looking forward to it! :dance:

:greetings10: Hello everyone! I've lurked here for quite a few years (thanks for all the silent guidance!) and finally got the push I needed to introduce myself. I was given my (hoped for) layoff notice and have been nervously updating spreadsheets ever since. My spouse and I are DINK...