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OK, how many of you have dental insurance? I'm considering a PPO, which allows me to go to more than the normal turnstile dental offices and get the same dentist for the long term...but the maximum benefit is essentialy $4,000 for a year for two of us, vs. premiums of about $1,800. Not the...

OK, I RE'd now about two years ago, in April 2021. I'm 57 now, wife is 58. Here's my update! What I suspected is true...that my basic makeup/mentality did not change, that the same basic struggles and downers while working, are STILL struggles and downers in retirement, just different...

It's been at least a few years since I posted and I want to give an update. First, thank you for this forum, where I learned it's okay to retire early and no reason to feel guilty! My retirement date is March 31. NW is about $12m, AA at 55% equities (voo) with $200k a year in spending. So I'm...

So, like many people, I am sitting on large gains in my ETF bond funds (VCIT and USIG), as interest rates have steadily moved downward over the last several months. Because I bought these funds many years ago, they are long-term capital gains. If would seem that if I continue to hold these...

So I philosophically am wedded to the passive ETF index method...I'm 55% equities, 45% bonds, the 55% is split between S&P and Russel 500 ETF's and the bonds are basically in total bond market ETF's. Born of a strong belief in the "random walk" theory and asset allocation to find the right...

We have to all remind ourselves that, in the area of long-term financial independence, we should expect bear markets like this every 10 years or so, and an even worse one every 30 years or so. So don’t panic, clutch your pearls, or lose sleep when it does happen. Instead of thinking you can...

So my situation is that I'm retiring next year, and this is the last year that I will be in the maximum federal and state tax brackets (ugh...13.3% state, 37% federal, so more than half goes to tax man...part of the reason I'm retirement lol). Last few years I've been using a donor advised fund...

This just hit me this morning. I hate timeshares, they are horrible, stupid, and make little economic sense. However....the tax aspects are intriguing and potentially outweigh some of the many negatives, particularly for high tax rate people such as myself. Simple example.....spend $50,000...

Issue: Buying a vacation home vs. just staying at hotels. Obviously it depends upon how often you stay at the vacation home....but the longer you stay at the vacation home, the more it's really a home home and not a vacation home. Without an analysis, intuitively you would have to know that...

So I sent this email to a local CFP advertised through one of the reputable FIRE related writers out there (I won't name names): "Hello there, saw you through the xxxxx web site. I'm planning on retiring early next year (at 54). I'm a CPA fluent in finance, having been in corporate finance...

A very interesting article from Kitces that kind of made me rethink how to factor in taxes to the safe withdrawal rate. https://www.kitces.com/blog/the-impact-of-taxes-on-the-safe-withdrawal-rate/ I have seen many here advocate simply adding the amount of taxes you will pay (along with your...

So I I have another 10 months or so before ER... have given notice...and I cannot stand being here. BS bucket is overflowing. How did other folks mentally get through the last several months? Looking for tips. I have to stick it out...and I am blessed to be in the position to ER.. but just...

OK, this is probably the third time I've posted. I was the schmuck that last year told mega that I wanted to retire...they responded by doubling my salary and giving me more interesting responsibilities. I contemplated staying a couple more years. But the BS bucket has grown substantially...

So I've heard advice on early retirement....go slow. Go from full to part time then retire. That may be decent advice, but perhaps the "pull off the bandaid" approach is better...when you're younger and healthier, it's easier to find a new purpose in life in retirement than when you're...

OK, I'm the schmuck that last year posted that he was going to retire, and decided to hold off because they offered me more money (in fairness, they basically doubled my comp). Let me set the stage. Today I have about $7M saved, of which say $1.6M is in IRA/401K, and the rest in taxable...

A great little tool I found that really helps to put in perspective the real "risk" of early retirement failure when considering death. Simple proposition: If there is a 10% chance of portfolio failure in 30 years....but your likelihood of death within 30 years is 50%...then your real risk of...

I am the schmuck who was going to quit this year, but the boss gave me an offer I couldn't refuse. So I OMY. And here I am, still schlepping. Here's the cliff notes version: Once your withdrawal rate drops pretty low, and you're in a pretty high tax rate to begin with, incremental...

I've been watching this great group for about a year, and posted a couple miscellaneous threads from which I got great advice and feedback. You guys are great! I've learned a ton and reading what all you folks have done has made me ready to pull the ripcord! So, thought I'd go ahead and do...

Another "nail in the coffin" so to speak motivating me to early retirement is the fact that, based upon my asset level, it i large enough to support our spending goals but small enough that, in retirement based upon my AA, it will throw off not so much income to put is in a higher tax bracket...

This question may seem strange. I'm FI now and thinking of RE within the next two years or less. Financially is not an issue. My hesitation is.... What will I do? Will I regret it? Will I miss work? Brief bio.... 51, wife is sahm, down to the last kid in high school, one out of college, the...