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Excellent point made about his age and the fact that most of the money is in retirement accounts. He is just a little older than me, 48, and does not work for pay. (He could work if needed, but his main job is to take care of me and the house, while I take care of the $.) So, SS would be a way...

Thank you for your validation! I like playing with all of the free aggregators and financial analyzers out there - I am test-driving Savology and they recommended an additional 800K+ in term insurance (plus some for hubs) but didn't seem to take into account the amount we had already saved for...

I feel that this topic has been discussed already - please feel free to direct me to relevant threads! I am still trying to figure out how much (if any) additional term life insurance I really need. Most of the formulas I see take into account age, income, debt, and number of children but...

Had this very discussion with my Dad over the holidays...their investments this year netted them over 3x what he ever made in salary and they don't know what to do with it all. Dad FIRE'd at 51 (they are now in their mid-70s) and raised 3 frugal kids - when we were children they spent money on...

Haha! - I may have bought your shares. In my "fun money" brokerage account I bought 4 shares of TSLA at $275 - now at $478. As a "buy-and-hold" investor I am just amused to have my finger in the pie - but I see individual stocks as gambling, not investing, so I only play with money that I can...

This is very much a topic after my own heart. I shop (when I shop - which is rarely, 'cause I hate it) clearance racks and used clothing stores - but most of my clothing are hand-me downs from family or friends who, um, "outgrew" them. Rarely buy anything over $10 and only if I am going to...

Cheapest soft toilet paper - Angel Soft in the 24-36 roll pack - Walmart Biggest "found money" find - $60 (3 folded $20) on the sidewalk outside my apt in Philly. DrLLLong PS I also do the "how many quarters" debate at the parking meters at the library (only place I go that has parking...

Don't forget local sources either...Freshman year I got $500 from the Rotatry club - I didn't apply for it so I guess someone must have nominated me (note to parents - make friends with people on committees). High schools sometimes know about scholarships but may not know who is interested (my...

I was just talking about this with my mom the other day. 12-13 was the worst age for me, I would burst into tears and run to my room for no apparent reason. She said I was pretty much miserable and she just tried to tread lightly and ignore me when I was being irrational. I remember at one point...

Welcome! I too am a new member to this forum and am very excited by the opportunity to discuss plans with others who are like-minded. I've seen a number of discussions here and elsewhere about "how much $ for RE"? On the topic of travel it seems the concensus is that you need more $ for this in...

DH and I got rid of our land-line in Jan and are now all cellular. (Our land line was underground and would be out for weeks at a time when it rained.) We increased the plans on our 2 cells - and got new flip phones while we were at it ($30 ea with rebates) so gave the old cells to Dad and...

Hey! Did you happen to work the April 16th game (we lost to someone-or-other -- Cubs maybe?)? I was in the Community Band that played the "Star Spangled Banner" for that game. DrLLLong ...who is still 19 years from RE goal of 50 but thinks that she would like a part-time job at the post office...

I think that there has been a trend for educational institutions to try to "level the playing field" over the last decade or so.  Enrollment at my med school has had a slight female edge since before I went there - although that may also have had something to do with the fact that Medical...

Sorry, my mistake...yes, you are right about that max (I borrowed after undergrad and the max jumps to $18, 500 /year.)  Perkins loans at 5% fixed ($4K/yr) are based on economic need only, Pell Grants (don't have to pay back) only if really strapped -- a penalty for those who save their money...

This reminds me of a story...(you all don't know me well yet, but pretty much everything reminds me of a story)... So, must be about 10-12 years ago (because my husband is my boyfriend and not my husband yet) and I'm at the boardwalk in Ocean City NJ with my parents and my sisters and my...

I just typed a bit about how my dad handled this with 3 girls under the topic "Loans to Child for College." Probably there are any number of good ways but I would think that a set amount ("You have this much - spend it wisely.") or a set list of what will be paid for (Tuition plus dorm R&B plus...

I don't have kids so I am answering this from the "daughter" half of the equation. My dad saved up a college fund by setting aside for each of us (3 daughters) a % of each paycheck. (He was also saving up for his retirement and FIRE'd at 51). He also matched any $ that we earned and put in (a...

Thank you all for your replies! Some thoughts as I read through them... In general honey makes his own honey-do list...the person who DOES the job gets to determine how its DONE. The more efficient he is the more time he has to do other stuff -- hunting and fishing rate high on that list. Since...

Thanks all for the welcome! To fill in a few more of the blanks - Easy Question Professionally: Employee on straight salary. I was hired as faculty by the residency program that trained me, so I am an employee of the hospital. Technically this is an Academic position although 90% of my job is...

PS. Actually, I'm not at all confused about dryer sheets. I'm in the "tear them in half and use them twice in the dryer before dusting the TV" camp. DrL

I am so glad to have found this site (and the Retire Early Home Page). It's good to know that there is a supportive community of like-minded people. I was going to wait until I had time to compose a brilliant letter of introduction but I find that there are discussions I want to participate in...