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We just finished this process and paid $5500 for a revocable trust, POA, Health Care POA, and transfer of real estate to the trust, and a will. This was a flat fee. We live in a HCOL area. We chose a law firm with multiple lawyers and local offices, they also offered lifetime changes for an...

We own a beach condo which we rent on VRBO and self-manage. I completely agree with Kork13 's comment about reviews - I strive for 5 star reviews from my renters to drive future and return guests. Its basically a business for me and would not cancel on someone for friends or family to rent at...

Update from my side - I called Yahoo Mail support and spoke to a rep for over an hour before getting 'disconnected' I gave the rep all the data points we have - works for gmail, forum logs show emails to yahoo addrs are bouncing, worked for a while (last email I have is from March), the...

Interesting... My email provider, in this case, is Yahoo. I see in this thread that someone else has Yahoo, switched to gmail, and started receiving them again. It seems to only affect newsletter@early-retirement.org emails. I do receive them from thread alerts...

Has the missing newsletter issue been resolved? I've tried unsubscribing, logging out/in, subscribing, but still no luck.

Hi All I recently met with my Fidelity private client group advisor where I was introduced to Separately Managed Accounts focused on Tax Loss Harvesting. Searching the forum, I found the last discussion on this topic from 2017-...

Congrats!! :dance::dance: As most say, the first million is the hardest, also the most gratifying.

I'm planning on a 3.5% WR. Not exactly unsafe, but not fully safe either for my time horizon. I think there is a lot of pad in my budget so it may be safer than I'm letting myself believe. I intentionally avoided the term bucket because I don't want to use that strategy. The bucket strategy...

I'll have to play with fireCalc more... When I input my data and ~50 year time horizon, I get 100% success rate. I was surprised to see PB4's fireCalc reference conflicts with the scenarios I've input.

Ugh... Is this generally accepted, or a conservative approach? Do I need to change my plan? I'm planning on a 3.5% WR at 47yr. Do I need to hang on longer for a lower WR?

I read the provided link; well sections 1, 2 and the conclusion, thanks. It basically says the SWR can be 3.75-6%, depending on a variety of factors. I think that's generally accepted in this forum. However, I don't understand your statement: My 'number' is total value of our nest egg to...

As we get closer to our 'number', I'm exploring ways to manage our nest egg in FIRE. I have two questions. First, how to organize our accounts to minimize the sequence of returns risk? I'm thinking of building up a large reserve of cash (1-3 years of expenses) to buffer against extended down...

This is good advice and perspective, thanks. I suspect I'm in a similar situation. My j*b assignment recently changed, which made it better than the toxic environment of my previous organization. Now, I could stay as long as it remains a healthy work-life balance. We are young (in terms...

As I approach my target faster than I planned, I can't help to think - how will I know its time? Everyone is at the mercy of the market, and one day I'll hit my number, but the next day/week/month could drop below. I don't feel like its a binary operation. I'm thinking, I should way at least...

It's been 1 year since I introduced myself and laid out my plan. It's time to check-in and keep myself accountable. Here goes - Total investable assets in 2019: 1.97mm Total investable assets in 2020: 2.47mm 2020 breakdown: Actual AA: 85/15 stock & bonds; increased risk from 80/20 - See, I...

I own a condo in OIB on the NC coast and rent it out through VRBO. While I'm not familiar with AirBnB's policies, what you've heard about VRBO is not the complete story and a bit out of context. VRBO's business model is essentially a marketing platform, connecting renters with property owners...

I had a wonderful experience this past week I wanted to share and get advice from the forum. My DW's adult niece was staying with us for several days this past week, she's in her mid-20s. Her parents don't manage their money well and don't quite get LBYM concept. Our niece asked us for advice...

Is this where I contribute to a traditional IRA and convert it to a ROTH? I just learned of this and started doing it this year. I had $$ in both roll over IRA and several years of traditional IRAs (all contributions had no tax deductions associated). According to my accountant, I had to...

My employer recently added a benefit to our retirement plan which allows me to contribute after-tax dollars through payroll deductions. My understanding of this benefit is the IRS limit is 401K pre-tax + 401K ROTH + company match + new after-tax contribution cannot exceed $57K. Since I max out...

Thanks for your insights Cobra9777. I signed up for Personal Capital and it looks like it has potential. The dashboard is neat, and it does a good job tracking everything in one place - thanks for the recommendation! I'm already using it for my spreadsheet tracking. I'll probably run them...

HI All! I've been lurking on this site for a while and felt it was time to join in the discussion. A bit about us - We're 42 yo DINKs and I feel that we're on track for our 2029 target, but it's always good for other opinions & thoughts. My target is 4M total with 3-3.5% WR for 120K-140K...