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I was amazed to find my specific balance of funds made me 38% in 2023! it was a great year. Good luck to all, I think 2024 will easily be a 30-40% year again.

You mentioned "retirement age at 55"... why wait? I retired at 52, and just used a SEPP to start withdrawals. Was very easy. You roll your 401K to a Rollover IRA and issue a SEPP off of that. Run the #s with a 72t calculator to see how much you can withdraw. it will be very high due to the...

Nope. In fact especially for the photo cards, which are more meaningful to provide "face" time. My "least" favorite cards are cards that are just signed. Canned text is not as special as even a few written sentences, a newsletter-type status update or a photo. Merry Christmas!

Congratulations on your progress and planning so far. You are outside the norm with such a long term attitude, and will prosper because of it. With your mindset I can tell you will beat your plan expectations and retire earlier than you intend. I would probably pay down debt to get it out of...

You are not crazy at all! I just pulled the trigger on retirement in November and am 52 years old and my overall #s are somewhat similar. Your calculated expenses (with buffer for me) are right on my own calculations - and I live in upstate NY. I targeted $1.35M for retirement savings based...

At one point I had 11 credit cards (before reading Dave Ramsey's Total Money Makeover and getting my debt under control). In a matter of 2 1/2 years I focused and eliminated all my debt. Since then I nuked all credit cards, retaining Fidelity (for 2% unlimited back) as my primary card and...

You are human! And a caring person to think about the relationships you will / do miss. But don't forget the people you work with were never really "friends". Work relationships are due to circumstance and fact that we like to interact with those around us. Rarely are they any "long term"...

Yep I have been doing it for a few years. All pros, no cons really. You can't vote on shares that are loaned out if you care about that though. The system automatically moves shares out to cash "on loan" status when needed. I guess one con is if you want to sell all at once, it is harder...

Congrats on having raised a bright kid who is smart enough to realize the financial potential of an engineering degree. I have been in software for my whole career, starting as engineer and now retiring as a director. Both of my sons have completed their college experiences and easily got jobs...

I learned over the years that co-workers are acquaintances not really "friends". Don't take it personally. For example, when you have kids the younger crew won't have much in common with you and you will naturally identify with and start interacting with other folks with kids. Same when you...