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  1. brydanger

    Financially independent retirement optional

    I agree 100% - but we chose to take this to the next step. Rather than waiting around for that period where we risk getting the news that nobody wants (and have to spend all the time with doctors/treatments), why aren't we going now? And then we did... despite the fact we were in our 30s. Do...
  2. brydanger

    New guy, 30 years old

    Just stumbled upon this thread again. You're clearly doing great on the savings... but Im also curious about the initial goals/wants you described 12years ago here when you started this thread. "I enjoy my freedom" "See myself living overseas 4-5 months out of the year" "40 years old is the...
  3. brydanger

    How did it get to this point? But it's finally inevitable

    YESSS! So proud of you! I read your first post and scrolled to the end fully expecting/anticipating that you hit the pause button yet again, or that they offered you more money to stay and you took it. Huge congrats on taking the leap! I hope you're enjoying (though no doubt still in the...
  4. brydanger

    Financially independent retirement optional

    I'll throw out a slightly different slant. What would you do if you knew that one of the two of you wouldn't be here in 10yrs? Would you still think of the "structure/routine/identity" of the work as having been a positive? Or would you wish you had been doing something else for those same...
  5. brydanger

    I think I made it...for now, at least.

    That last line really sticks with me - "contented" Have you spent any time planning your retirement/next phase? Not the dollars/cents/sense of it about how long you'll stay above $3M in the account, but WHAT or HOW you want to spend your time? If I imagine planning any fun/freedom related...
  6. brydanger

    5 years to go..max!

    Nice! Sounds like a blast (though we've realized over the years that 4-6months in a place suits us better than 4-6weeks), but that's the beauty... you get to choose your own adventure as you go along. ;D I get the timeline. Few years younger Id probably say take the kids with you... but at...
  7. brydanger

    52yo - Returning now that I'm recently FIRE'd

    Generally what we find as well (even though we tend to frequent the less busy (or completely uninhabited). Crazy what we pay for in the states that seem barely adequate compared to what most of the world gets for free (especially in terms of health care).
  8. brydanger

    43 with four kids under 10

    Can't help but notice that you updated the numbers, but didn't update anything about the happiness. Did you solve the work issue or "suck it up"? How's the live/work balance? How's the amount of time you spend with your kids? Are you happy? Is the DW? The kids??
  9. brydanger

    Hi, I am new. Just hit 40. FIRE in 7? How am I doing?

    We feel you. My concern here is all about this particular comment... and the fact that you're already listening to the masses and mentally moving the needle back from 7yrs to 10yrs. Im not saying the dollars in the spreadsheet aren't important - but they aren't the ONLY thing. Don't forget...
  10. brydanger

    I did it!!!

    WOOT WOOT!! :dance:
  11. brydanger

    52yo - Returning now that I'm recently FIRE'd

    Call it whatever you like. As long as you and DW are happy, who cares?! I remember my introduction post here years ago- which turned into a weeklong battle of labels and accusations. I wasn't really RE, I wasn't really lean enough, I wasn't... whatever everyone else had decided the "rules" of...
  12. brydanger

    $500,000 per couple primary residence exclusion and inflation

    This type of negative perspective/mindset is frustrating. Especially as an entire generation right now is struggling to afford rents and may never be able to even own their own home? It's hard to imagine having a $1.1M equity in anything and the takeaway being that you feel "damned if you do...
  13. brydanger

    Month long trip bring the laptop or not?

    Unless the identity theft was traced to a period you were traveling or staying in a hotel, I still don't really understand the additional fear you're adding to the trip... My post was you're no safer browsing at home I'm afraid. But it sounds like you've already answered your own question. If...
  14. brydanger

    Hi from dukebound85

    Sounds like you're doing great!! Don't forget that a large part of the beauty n the rentals in the passive income, meaning you need for less of the big number sitting somewhere. We weren't far from where you were in 2020 (in fact behind you) when we decided to ramp things up, move out of the...
  15. brydanger

    Starting to feel the midlife crisis kick in @ 36

    I'll second what Sparkle said... but might take it a step further. I have a pretty different view than most on here... but I hear something in your post/voice that reminds me of us at a similar age. Here's the thing... Trying to take slight actions will NOT drastically modify your course. It...
  16. brydanger

    Month long trip bring the laptop or not?

    So you browse on the same laptop at home... why would you feel any more at "a security risk" by browsing somewhere else? Or maybe I should really be be asking you to share your incredible impenetrable security system at home?
  17. brydanger

    Rental Property Over Depreciated - Now What?

    Step one: Fire preparer A & C
  18. brydanger

    What did you do today? - 2023/2024 version

    - Sat on the front deck with DW and watched the sun rise behind the palm trees with coffees in hand - Snorkeled with Manta Rays - Sat in the water in the shade of a palm tree while we "made plans" for what to do with our lives (aka the next 3-5days) - Spent a few minutes working on taxes - Made...
  19. brydanger

    5 years to go..max!

    Well... I can tell you what's missing from this post (like so many others here). What do you WANT? What are you looking forward to or excited to do in 2yr (or worst case 5yrs)? What makes you giddy when you think about spending your non-working hours? What's on the dream board? Have you done...
  20. brydanger

    I think I made it...for now, at least.

    Congrats on clearing the hurdle! I will simply never understand posts like these... I mean I know I ran away FAR too early for most peoples comfort (at the time, even my own) - and I have long been jealous of those who actually love/are passionate about/enjoy their job (though... to be fair I...
  21. brydanger

    $500,000 per couple primary residence exclusion and inflation

    You can actually do this as long as you've lived in it 2 out of every 5years! I know most on here aren't using real estate as an active investment... but this happens to be one of the built in "loopholes" in the US tax code that make real estate one of the best investments. Where else can you...
  22. brydanger

    Factoring opportunity cost into major purchases?

    I think the real question is whether you should have a spreadsheet to show the minutes/hours you'd have back (to spend on things you enjoy) if you weren't busy running spreadsheets for the cost of things you don't want or need. :angel: At the end of the day it just comes down to wants/needs or...
  23. brydanger

    Wanted to Rule the world--until I got there! :)

    Hi there... me again (the little evil dude that sits on your shoulder and asks really hard questions like "what if?" I remember you writing in 2020 and saying Im sure you'll get a plethora of responses here about number and accounts and tax strategies... but what always gets lost in the mix...
  24. brydanger

    Quit the world at 34 and now "broken" and refuse to go back

    Sorry, this $4k ($3600 in reality I think) was before/without any insurance involved. I won't claim any personal knowledge whatsoever here (as we thankfully haven't done similar things in the states)... but friends/family have shared experiences of ambulance rides costing over $1k, several...
  25. brydanger

    Quit the world at 34 and now "broken" and refuse to go back

    Interesting... I think there's a vast difference in signing up for an adventure, like "I'm going to go climb Mt Everest" and simply going for a walk/hike to see where it leads. At some point you just take the elevation as it comes and keep enjoying the changing scenery... and you may just...
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