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I am about to start a new FT job in a very new startup. So new, they haven't quite got their benefits package figured out yet :) So i was thinking about what it means to not have a 401K plan at a company...maybe I'm missing something (and i hope you tell me I am) but it seems like this is a...

Thank you for this. Sometimes we pre-Firee's get lost in the weeds of firecalc/4%/etc etc. What retirement might look like if forced to start today is an interesting thought experiment. PWF

If you setup a home office for your business, you also get the fractional fraction = (home office sq ft/ house sq ft) tax reduction on all your utilities (electricity, internet, water, sewage etc) as they are conceivably used for the business. So pick the biggest room in your house :) PWF

memory is fuzzy but I believe I started "contributing" around 2000 not max'ing out or anything but starting. I didn't start seriously contributing/tracking until 2014 where my graph begins. So that 1st M took about 20-21 yrs i think. I'll let ya know when then 2nd one comes along-but...

https://www.early-retirement.org/forums/f28/robinhood-ira-3-match-comments-120958.html

On the road to FIRE still, so I watch every blip and bleep on a daily basis. I do keep a spreadsheet that I update once per month for total investment, credit card expense and bank account balance-been doing that for years and years. These are things I like to do...so i haven't really thought...

She's making her next $20M on outrageous clickbait statements. And you are making her that money. That's my summary of her and this world we live in today. PWF

At 41 with a potential payout timeframe of 1-3 years, I wouldn't squander the opportunity to make a quick 500-700K in options. Those windfalls don't come along that many times in your life. I hate to tell you, but it ain't gonna get easier when you are 50, 55, or 60, nor is your attitude...

https://robinhood.com/us/en/about/retirement/ Curious how others view this..I'll be honest I didn't dig in too far when i saw the word "subscription" heh PWF

Having had an advisor at one of the big companies for years, my general feeling is that they setup a call every quarter or half year, say "everything is balanced properly" and ask you if anything changed. My gut tells me they have an internal robo-advisor that they "adjust" your balances...

Oh its just a faux floating shelf. You can see I rest the back edge on that white trim piece along the wall. The abutting side along the existing cabinet has a little support piece shown here from below. That reminds me, I still gotta clean up the rub marks I made on that white piece :)

Shelf extension for my coffee machine :)

" Though kWh rates may exceed inflation, but also panels degrade over time - so 'close enough'?" Probably not. End of life a panel does not mean they are dead, typically it means they've lost between 10-20% of their efficiency. They still work and continue to work beyond EOL. Consumer...

Koolau - yes that is correct, I haven't put in any SS in the WR above. Running firecalc with SS at 62 for me, 65 for wife..we should be ok if we can get our spend down to around 55K per year...which shouldn't be too hard as we would be past the college years (which is 36% of our spending currently!)

With your age/kid situation very similar to mine (though I haven't officially retired) , I would be curious to know what level of retirement savings/spending you are experiencing- I understand if you aren't comfortable offering this. As a reference point, We are ~ 1.3M with an annual spend of...

I was elated earlier this year when I found reading here that the MM's offered at VG/Fid etc were approaching 5% interest. Having moved a substantial amount of dollars from a dismal brick+mortar savings to one of these...I look forward to 1st of the month a lot more than I used to :) But all...

We came up with basic rule set ..an experiment in progress. We first estimated the "cost" of state college 4 yr program -this number is different for each kid unless they start in the same year. This way we have a rough idea of expected spend. 1) We cover the costs of college. 2) If you...

Thanks again ! I see the "discounted" results when I follow your linked path. Much better than $2000/month i was seeing. Its strange though on my results, I did go thru healthcare.gov, created an account and filled out an application thru the "take the first step to apply" from the main page...

thank you all-this is very helpful. One thing I don't understand on the ACA website when I'm browsing available plans, it shows the premiums in my area for availalbe plans... all in that $2000+/month range for a family of 4 but i went back and made sure my income would be lower (like 95K) to...

Hi All - Recent events in my life have made me wonder about benefits/detriments of having a reportable income before retirement. I went thru a layoff recently and am wondering what options I have for optimizing . A bit of background. I'm 54, could get another job...but man looking at job...

https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-2024#:~:text=For%20single%20taxpayers%20and%20married,amount%20for%20tax%20year%202023

Dave's Killer Breads usually are net low carb (carb minus fiber). I have reasonable luck finding them on the supermarket shelves or in walmart-so they arent rare. Dont taste too bad either !

I watch my good hearted Mom do this every year. At birthdays and holidays, i see her handing out a few thousand here, a few thousand there to various relatives (including me) . What she gives me goes into short term savings, headed toward long term investment. However, I'm also the one who...

Use your 401K . Avoid direct investing in HOT stocks. Stick to a diversified portfolio. Be positive at work, be the guy willing to jump in and lend a hand. Don't be the guy that says "not my job description" - he goes nowhere. This pays dividends in raises, promotions and stock options-all...

I have recently rolled a 401K into an IRA. The 401K was full of all kinds of Fidelity mutual funds which I lost track off over the years. In order to simplify my life, I liquidated all these positions and will follow a basic 3 fund portfolio like FSKAX/FZILX/FXNAX . Aside from opinions on the...