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I have crossed over. I have reached the Promised Land. I am a card carrying member of the FIRE club. It’s taken me more than 50 years to get here. Here’s how I did it. To be honest, it was something of an accident. I certainly didn’t fall into the “Young Dreamer” category in my 20’s and 30’s. I...

This plan only applies to the 12 percent of Americans that live in the Golden State, at least so far, because my research is based on the California Counties Retirement Act of 1937. Not very new, but those folk were planning ahead. I expect there are similar programs in other states, but you'll...

(It's a long boring essay particularly if you're going to SWR someday) Given: I'm 49, still working. Defined Benefit Plans (Local Government) It's an entirely different animal. There really is no SWR (or you could say it just unchangeable in exchange for being totally safe), and it changes...

OK, Hello ER Friends. Here is my situation. I'm just about 49. I have 20 years plus with a County Government Agency. The Retirement benefit is defined (see chart) and includes a Cola awarded (somewhat ironically) each March 31. In fact it is somewhat popular to retire just before that day so one...