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    Simple Roth Question

    Last year I opened a Roth at Fidelity to get a free $150. I have another Roth at another institution that is more than 5 years old and I just turned 59. I also have my emergency fund at Fidelity in a brokerage account. I was thinking that it is a no brainer to move money from my emergency...
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    Withdrawal Strategy and FireCalc

    Question to get some thoughts on withdrawal strategy. Current Planned Retirement Date: 4/1/2026 Current Portfolio Value: $1,400,000 When I plug in SS and investments until retirement Fire Calc gives me a 95% chance of an income of $104,474 for 30 years At current non callable interest rates I...
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    Help Understanding SS and Retirement Choices

    So I thought I had some more time, but I ran open social security and it thinks my best claiming option is for my wife to claim right now and me to wait until 70. I need to understand how this relates to Fire Calc and one of us dying because it is a big difference if calculated incorrectly. Me...
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    Universal Life for Long Term Care Insurance?

    I saw an interesting blurb in my Sound Mind Investing newsletter this month about long term care insurance: "One LTC option that is rarely covered in the media is utilizing a Universal Life Insurance policy with a long-term care rider. There are only a few companies that offer this option, but...
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    How do you evaluate investment risk?

    Recent market volatility has had me thinking more about risk. How do you personally evaluate investment risk? Personally I have never understood the concept of equating risk to standard deviation of returns. I only consider negative standard deviation a risk - I want positive standard...
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    Motivation: Man works himself to death

    Wow, check out this story Big in Japan: Man works himself to death, company compensates wife - Gadling The Japanese even have a word for working yourself to death and companies are being sued to provide compensation. I guess they did not read the FIRE board :duh:
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    Historical P/E Rates and Equity Returns?

    I have seen some people predicting much lower equity returns due to a high P/E 10 ratio from Shiller et al. This also seems to be used by some people to question the Fire Calc return data because some of the best returns were from times when S&P P/E ratios were sub 10 and we have not seen those...
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    Hello from NoVa - 20 years to go and counting

    Hello everyone. I was mocked by the header that said I never posted and the bid pipeline at w*rk has dried up, so I have a lot of free time right now. About Me: 42 years old (D) Married (J) two kids (RR) in No Va Retirement Savings ~ $300k Net Worth ~ $550k Occupation - Financial type with...
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