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Being generally more conservative than Nvidia allows for, I’m going with my old stalwart, Berkshire.

I started in a fairly competitive league, even though I have not bowled in 10 years. I am in the lowest 10% of the ave in the league. I came in at 175, and quickly hit my floor re-adjusted average of 165. However, I have been getting back into it and have scored over average 5 straight...

My last Rottie would greet me at the front window every day coming home. When her bone cancer started getting the best of her, she stopped doing that for her last month. After I decided that a certain Friday night after work would be the day the family takes her in and says goodbye, wouldn’t...

Nice vids! Thanks! I might add that activity to my playbook. We’ve got white tails, foxes, and the occasional beaver

Btw, I agree with your “too conservative” assessment on cash. I suspect you already have a plan for that. You’ll get get there soon, I’m sure. I get it.

I am in a similar frame of mind (and state of finances). I am in my last few months of OMY. As another poster said recently in another thread: “we humans are good at adapting”. You’ll get good at changing your mindset and rolling with your new challenges. You have slightly more of a multiple...

I join the others here that basically say “run, don’t walk” away from this FA. You don’t owe him this fa any explanation for why you’re moving out. It is likely he is already expecting your call. Whoever said that he’d be furious, uuhhh, me too.

I too, get a measly 0.53% ish for my cash. I use Vio Bank because at one time they beat most with something like .65% I don’t keep monstrous amounts there, but am always looking for better. I remain very dubious of someone like M1 claiming 1% yield. You do know they are $125 a year to get...

Outside of a dog, a book is a man’s best friend. Inside of a dog, it’s too dark to read. - G. Marx

If it helps, I was at very similar NW when I was 50. I am now 57 and with the blessing of the markets, FIRECALC and other tools and an advisor say I am good to go now with 100k after tax WR, at least DW is helping out with kids college by staying in the rat race 3 more years. Nothing takes...

I struggle to understand how someone could REALLY understand this idea, but could still rationalize differently and follow that up with a ‘but....’ I asked my kids to think of your health as a bicycle ride down a long pier, in the dark with a blindfold on. When we start as kids, the pier might...

I am sorry for your loss. My parents are long gone, but remain in my thoughts daily. In that sense, they are still guiding me, still parenting me through life. I suspect one of the first avenues is to contact Brighthouse, explain the situation, and ask them about what your options are. At the...

I have to admit three things: 1. I really didn’t get much from this video 2. I probably would have thought differently if I was smoking some pot 3. OMY syndrome is the result of my second guessing how much traveling I want to do before I die, and how assured I want to be of getting there.

I agree with many here: keeping socking away into your 401k. You have a lot of years of compounding left. I also agree with striking a balance with your mortgage payoff, but that should be secondary. Paying off a mortgage is a GREAT feeling, but (I am guessing) not as great as that last day of...

Thanks for all the thoughts. There are certainly other conditions that I was not aware of, like keeping income low for Roth conversions and ACA. I also think I am more both more optimistic about long term portfolio returns than many are, and also less risk averse lately because of that. Maybe I...

I take that back. Way back in the late 90s, I did work for a tech company, and had a small number of stock options that added up nice for those first years. I have been out of that position for 20 years. It slipped my mind...

I never invested in tech. My after-tax portfolio has been almost exclusively large cap (Berkshire, Disney, J&J, Pepsi, etc), and my 401Ks was closely equal weights of S&P500, small-cap, mid-cap, and foreign stocks, all index funds. You're right about the recent re-allocation. Retirement...

Congrats! Please hold the door open, some of us hope to be charging through behind you.

Although I understand the differing SS paybacks between ages 62, 65, and 70, and I get the breakeven analysis for the cumulative payments, here is what I do not understand: If I treat SS money in my retirement spending budget as money that now stays in MUCH longer-term investments (not...

I briefly considered offering some sort of 1/2 time arrangement to help out with a transition at least. However, without giving an actual retirement date, I have been telegraphing my retirement for two years now...They have done little to download my job knowledge, and I am feeling less and less...

Have you run your numbers through Firecalc and I-ORP site? I think that these tools both allow you to specify an end balance, and analyze your withdrawals to keep a balance at the "end of your plan". God, I hate that expression.

Hi to all FIREd and FIRE hopefuls! I am a 57yo engineer, hoping to pull the trigger very soon. Like others, I'd like to wait until covid and the covid economy plays out before I do so. The BS pail is full, and the tolerance pail is rather empty at w*rk. I REALLY need to get out from behind the...