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42, 4 kids, shooting for retirement at 58
Old 03-03-2016, 09:06 AM   #1
Confused about dryer sheets
Join Date: Mar 2016
Posts: 5
42, 4 kids, shooting for retirement at 58

Hello All,

42 yr old married father of 4 here. We live in the Midwest and my wife in I work in the insurance/financial services industry.

I joined to get a better idea of how we are doing financially, learn more tax savings strategies, and I could definitely use a bit more thriftiness in my life.

My wife and I several years ago took several Dave Ramsey courses and did a really good job tracking our spending for a couple years. I would say for the last 3 years we got burnt out on DR and allowed our spending to grow more than we should have.

I am not a believer in "buy and forget" investing. I am been a mild market timer (moving balances 2-3 times a year) for the past 15 years with pretty good success.

Enough about me, I look forward to learning and sharing ideas on the forum
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Old 03-03-2016, 10:04 AM   #2
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Join Date: Jul 2010
Posts: 6,889
Welcome, UncommonSense! If you haven't seen them yet, there are two excellent resources here with a lot of good information for planning:


Early Retirement FAQs - Early Retirement & Financial Independence Community

You'll find lots of support for tracking spending and being frugal, and although many of us are buy-and-hold mutual fund types, there are a few market timers who share their strategies as well.

Look forward to hearing more from you - we can always use more good sense around here!
"One of the funny things about the stock market is that every time one person buys, another sells, and both think they are astute." William Feather
ER'd Oct. 2010 at 53. Life is good.
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