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Congratulations from someone else who joined around your time! Glad to see you hitting your goals!

I think that we have been fortunate as far as valuations go, but shouldn't expect the broad market to keep giving these sorts or returns. I don't think that the value of the broad stock market has kept pace with the price of the broad stock market. That doesn't mean it will drop, but it could...

With the stock market being at new highs in an extremely long growth streak, I'd take a dirty market timing perspective on putting it into stocks in a lumpy manner. The 3% mortgage is low enough that, despite it being nice to retire debt, I'd probably leave it alone. Instead, you might be able...

For what it's worth, I've always been somewhat turned off by Pete's shtick, but while Jacob's approach is significantly more extreme than I prefer, he does do it honestly. A lot of it is him being a hyper-analytic person with a low socialization need. I enjoy going to eat out, he's the sort...

In fairness, I planned May 4, declared May 18, and after client request, extended to June 1. The first extension allowed me to fill out 401k max, the second i was able to take one of the two weeks off, pick up a paid holiday, and extend insurance to end of June. It was worth it I think, but to...

Well, I had a great day on Saturday, mostly spending time with my wife and dropping into a friend's 40th surprise birthday party. Yesterday was back to w*rk on the sailboat. I'm doing 3 days a week sailing this summer before my schedule is fully done, but yesterday (and hopefully today) was a...

Last Day of Career Work! (Still getting paid to play around on the water sailing a few days a week this summer)

Last day!

Congrats! Congratulations! Enjoy the big day and have a wonderful lead in to the summer!

I'm 39, which impacts the rate of payout, but also, I don't believe that it can increase to account for inflation. Depending on your time frame, that could be a significant factor over time.

HNL Bill, that agrees with my understanding. I think that the larger issue is being locked in at a fixed rate that is very low for an early retiree. It's based on prevailing interest rates at the time you start, life expectancy or amotization rate, all of which are (or at least ahve been...

Yes, I think that you have it correct, though you might consider looking at where you fall on the tax bracket bubble. With everything going into Roth accounts, you are paying the marginal rate on some of that. While I wouldn't suggest putting everything into a refular 401k or IRA, you may look...

Well, I sent in my 2 week notice yesterday, and I'm already slipping to June 1. Client asked me to stay the extra to oversee a key project point. I'll take a week off before Memorial Day, and this means that I'll get the extra paid holiday, about 6 accrued extra hours of PTO, and health care...

Congratulations to another fairly young one. Where in AUS are you? Working on getting my AUS permanent residency application together this summer and may head to Sydney in the next year or so.

1. What pct of conventional IRA do you/will you have converted to Roth by your RMD Year? Most if not all probably. I'm 39 and planning on pulling the plug in under a month. This year I've withheld most of my income, and will convert a large lump to start a ROTH ladder. The total conversion...

Revising to push my date back one month - staying long enough to hand my project over and roughly enough to max out 401k for the year! But people have been informed and plans made, just no formal letter dropped yet. Hoping for a smooth transition! No date specified ------------------...

It is legit. Marcus was the name of the founder of the firm - it's their "hip" bank name for the kids - less serious than Goldman Sachs don'cha know. My recollection is that they are paying about the top of interest rates on savings these days as well (around 1.5%?). It's a real bank, no idea...

Easiest annual goals meeting ever yesterday! I've let my firm know so that we can move someone else into my role prior to leaving and prior to the job hitting a complicated stage so that they will be up to speed before it gets hot and heavy, and it will keep my replacement employed on the...

Congratulations Ears! Glad to hear that it hasn't been overly dramatic. It can be nice when you work with adults sometimes :-)

Uptown is a good place to be investing over all, and the location is about 2 blocks from a newly renovated ($200M) train station, but there are certainly some rough spots. The other part of where his current neighborhood is is Wriglyville is very close to Wrigly Field and is probably a great...

Yep, those neighborhoods were going to be my guess. PM if you have specific questions about Uptown, as I've been living there for about 12 years now. Also, I do think that it's a good neighborhood to be moving into, though at that price point it's probably a big place and/or new. Would be...

It sounds like you're planning on selling the first place to fund the downpayment on the second. Have you looking at renting out the first? It would leave you in a more levered position, for better and worse, but you have sufficient taxable assets to do it. Chicago is seeing a solid amount of...

Gave unofficial/verbal notice today when my supervisor came by to schedule a goals discussion. Planning on exit 5/4/18, but want to be sure they can get someone onto my project by then, as the end of May things will heat up and they need to be up to speed. Also want him to give any raise...

except I believe it's now going to be a 12% rate (at least for a few years) for the second bracket (for a couple should be something like $24k std deduction + $19k@10% + ~$58k@12% = ~$101k@12% or less)

You might find it a bit easier to get good advice if you are comfortable providing a bit more information about your position. I'm in a similar position - I'll be retiring shortly at 39 with about $100k mortgage. As some of the others have mentioned, for me the decision to keep the mortgage...