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Congratuations mathjak, another long-timer joins the club!

Depends. We knew we were going to sell our home when we retired to travel for awhile then become renters, so it made sense to include the value of the home in our net worth. When our SWR applied to net worth could support anticipated retirement expenses (which includes housing) we knew we'd...

Yep, better way to see AA impact on a portfolio's success rate is to get it as close to 99.99% success as possible, then start fiddling.

Whose bubble are you bursting? I didn't see anyone claiming it was impossible to increase wealth at that rate with a very high savings rate, I just saw some skepticism about the numbers in this particular blog. This dude has a graph showing the delta between (assuming gross) income and...

Headline number is based partly on whether someone is getting benefits? I've never heard of this, I thought headline number was U-3.

Nice job, enjoy your well deserved freedom!

Yep we going thru this right now too. Work insurance ended Jan 31, healthcare.gov says the event gives us until April 2 to sign up. However if you sign up after the middle of the month you wait an extra one, as in sign up March 15 you start ACA on April 1 but wait until St Patrick's Day and you...

Since everyone has different ideas of a minimally acceptable lifestyle it is hard to put a right or wrong answer on cost of living, but there are plenty of blogs from people who live fairly comfortable in Chiang Mai for far less than $4,4000 per month. I don't mean the $350/month studio slum...

Don't worry you aren't putting much of a damper on things because what you're saying isn't true. Your chance of running out of money is certainly higher pulling 4% for time frames longer than 30 years, but that isn't the same thing as "most likely depleted" at 30. Here is from firecalc for 30...

We have 67% in equities using a simple three way lazy portfolio. The approximate equality of the pie slices is very pleasing to the eyes.

I'd be intrigued with set-and-forget Wellesly/Wellington but for the better tax efficiency of roll your own across asset classes and taxable vs. tax deferred savings vehicles.

I've seen HDMI to RCA converters for about $20, but I agree with Cobra you might as well just spend $60 and get a Roku2 that is compatible with your older TV. Having two would be really nice not to have to fiddle with cables and plugs every time you wanted to switch TVs.

I guess it depends on "for years" means on horizon, and your opinion on the occasional debate over whether one needs more exposure to foreign equities or global nature of VTSAX is sufficient.

I've been trying to do the math on advantages of income low for subsidies vs. Roth conversions at various tiers for some time now. Too many unknowns to get anything concrete but definitely leaning towards the bird in the hand of subsidies.

I think Sling TV will really be a game changer because of ESPN. There are a lot of people I talk to who want to be cord cutters but the live sports is what kills the deal. With a combo of Sling and digital antenna they might be golden. We've found a Roku 3 with Netflix streaming + Amazon Prime...

Maybe you paid a larger share of the tax burden than most Americans during your earning years? Then can rationalize a lifetime aggregate producer/parasite ratio that comes out more in your favor.

Harry Dent for the win again! Harry Dent - Wikipedia, the free encyclopedia and of course Peter Schiff's recommendations for 2014 were spot on: Schiff’s recommendations for 2014.

We're with you... I'm software engineer, wife is an attorney. Causes much mental anguish leaving behind two six figure salaries and a monthly savings rate over 10k to start living on a retirement budget. Additionally I feel this is the golden age of software dev jobs, could probably easily find...

That is some serious slicing and dicing man!

100% stable value fund, pulling in 1.8% last time I checked.

Kinda weird when you consider that loss compared to the stats one always seen thrown around in those avg net worth oh-my-gosh type articles. You probably lost from peak more than most people ever had. ;D

y2k retirees with 100% of their assets in the stock market, do you think this is common?

So we can claim any return we want because changes in the market might make it eventually true? Which 15 year period? Again showing real returns with dividends reinvested here: S&P 500 Return Calculator - Don't Quit Your Day Job... Even the peark March 2000 you mentioned shows over a 2%...

But this doesn't validate what you said. A 1.74% return from March 2000 does not make your previous claim of 1.3% over the past 15 years true. Sorry if I'm busting your balls but as other poster alluded to it sue seems like you are cherry picking timeframes to try to make a point, and in fact...

When I run Dec 1999 -> Dec 2014 here: S&P 500 Return Calculator - Don't Quit Your Day Job... I get annualized real returns of slightly over 2%, not 1.3%. Sure that doesn't seem like much of a difference but over 15 years it isn't insignificant, especially if one is pulling out 3-4% annually...