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To All, Thank you. A lot of helpful insight was given and even though trading stocks excites me (I also like to go to Atlantic City) I don't think I'd like to play with my Retirement. After reading all the comments and my desire to keep things simple it sounds like Vanguard offers the type of...

Ok I'm a slow learner but I just got wacked over the back of my head and I see the light. I am currently with Merrill with $530,000 in wife and my IRA's and as I head into ER I have really been going over all my expenses. I hardly ever trade stocks, I'm kinda of a buy mutual fund and hold type...

Wife and I are 55 and will be pulling the trigger by next year this time. We have gone from 75% to 50% equity consisting of 35% US high quality and 15% foreign equity (The switch down was done very close to the highs in Oct.). The rest is fixed zeros (8%) I bought years ago, Bond funds and...

Welcome Sunny, Not much more I can add except for you to go to the "Best of the Boards" forum on this site and check out the thread for "Handling the just one more year" Syndrome. I just joined the board a few days ago and a lot of the posts on that thread are inspirational as to how to view...

I think the decision would be much easier for all of us if we were in a differnt place in market cycle. Knocking on the door of a recession is never a good time to retire. The only good thing about this time is Hey maybe I'll get fired and the decision will be made for me. Thanks for the...

Your absolutely right. I've been a responsible person since I was 15 it's time to welcome the unknown. Laddered cds and using the 72t plan to withdraw money from my ira's and 401ks in equal yearly payments without penalty is what I was thinking. Now if I can only have a labotomy and get my head...

Thanks Steve for the Reply. The biggest hurdle for me is the first 7 years. I'm more than fine from 62 to whenever. It's 55 to 62 that really is tough to figure. During that period I will have to take out more than the 4% rule. It will be more like 6% but after 62 it comes down to less than 4%...

It's like that line in the Godfather. " every time I try to get out they pull me back in" I'm 54 and my wife is 55 We've been married for 34 years. We had two children our son when we were 21 and our daughter at 23. We Paid for college, We paid for the big wedding, we paid our house off and...

Hello all, yes I am obsessed about retiring early. I think about it morning, noon and night. I've checked out every retirement calculator, I've built my own calculators. I've done dozens of different budgets. They all say I can retire but I am suffering from the “just one more year” syndrome...