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I use Bank of Internet( based in CA, I'm not) to hold LT money and sweep my budget into a local bank with free checking, PNC.

We hit our 1st # in 2010, 1MM, but waited for the next level up. I tried PT 2 times; 24 hours/week, but usually ended up working 70-80 hours, so put a stop to that this year at 50yo. Other reasons to pull the plug was travel and others having a claim on my time. Now I work 20-40 hours per...

We save all right now in 401K( 16% + companies 9%). We have Roths and Traditionals, although not adding right now. We save another 3% to kids(3) future collage. We save(divert) 3% to the future car/future roof/future furnace fund which will be fully funded next year.

The math might be right but after that 1 year the new end of the plan is 29 years, in theory. My point is the 'no other income' SWR for 30 to 40 years is around 4%. But not much discussion on 25, 20, 15 yrs SWR rates. Of course we need to be conservative with the terminal age for the calcs...

I intend to in hopefully a couple of years. 1) the 4% rule takes no other income sources into account, so + SS, + pension, + possible inheritence will increase the number. What will be there in the future you decide. 2) Bernicke's less spending IMO is real and I factor it into my numbers. 3)...

In my case, that is exactly what I am saying. I'm 42 now and plan on ER'ng around 45. At 65 I will get a small pension check. job

Thats not how mine works at small Xerox supplier Megacorp. I'm vested and if I leave tomorrow will get a check at 65. In my case, my vested benefit stops growing with inflation when I quit. job

Hit and unhit 1MM last year or early this year after 18 years. no windfalls, few options, no huge winners. Currently over and close to FIRE. job

Not to get off point, but I hope you also mentioned that that 25x number has no SS or pension built in and he adjusted that BIG number for his expected SS. job

PA, Lehigh County (believe it is the county) has 1% on both sides of the transaction. job

Another thought, 4% is based on NO external extras. No SS, No Pension, No reverse mortgage, No reduced spending ala Bernicke, etc. For some those are valid, but not for everybody. job

I'm not sure I would call FIRECalc nor the Trinity study portfolio the optimal portfolio. One was S&P and cash. FireCalc 2.0 now has more asset classes, but not a comprehensive list, primarily because the data may not exist over the sim time line. Generalizing, I did a sim once that showed the...

I have 60% STD/LTD thru the Co, no out of pocket for me. I could purchase another 10% but do not. job

Good idea if it helps keep costs down. Those auto electrical meters that auto transmit the data to the mother ship are pretty slick too. job

Except at night when there is no light to make the electricity. Then it would be nice to have a way to store it up. job

Source or carrier .. I don't care. Oil, coal, peat are all sources, but i do not intend to convert my car to a steam engine when oil runs low. As always one main issue is one of scale. What does it take to supply the world with all alcohol. How much fresh water is needed to process, space to...

this data for +/- 95% conf level, with no SS or other extras built in. Years Fixed Hybrid (50%) ESRBob 10 7.4 10.2 9.4 20 4.3 6.2 5.5 30 3.7 5.1 4.8 40 3.5 4.8 4.8 50 3.4 4.7 4.8 60 3.3 4.5 4.8 job

Semantics, using Hy as the carrier is a choice as opposed to gasoline, or alcohol, etc. job

This is public domain, not sure about the others. http://news.com.com/2061-11128_3-6114690.html

I install Hy fuel stations and can tell you co's are starting to convert (not autos) as there is beginning to be an economic benefit case as opposed to say batteries. Certainly slow right now but building steam, pun intended. To me a co. making the benefit case carries more weight than the DOE...

My wife is from Brasil and her family now lives in Floripa. Before our last move I was trying to talk her into moving there but too close to the family. job

If the non-ira/non 401k stuff is not in mutual funds (i.e. in individual stocks or etfs) why not go short what you would sell to rebalance against what you hold. Use the proceeds to do the rebalance and then close out over whatever timeframe you want to spread out your CG's. job

Make sure you check the max as mine is 50% of each paycheck up to the IRS limit per year. job

$100/week to church = 9.x % of take home (after savings also), plus little nickle and dime stuff here and there. Catholic school does not count for the 5yr and 3yr old and is about $90/month. It is not a charity, it is a community, and the tithing helps it keep going. job

They are good, but they have a very up hill battle in terms of general pop health. I recently moved to KY from PA; and grew up in this very area. The number of smokers is truely unbelievable. I work in TN sometimes and same thing, lots of smokers. In my own family 5 out of 9 siblings smoke...