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Cancer in month #3
Old 10-11-2019, 05:36 PM   #41
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Cancer in month #3

I'm going to become a broken record but here it goes.

W Pulled the plug at 52 in May and after 11 weeks in the Pop Up we came home to a Breast Cancer diagnosis. We won't know just how serious this is until it comes off and is fully biopsied in a couple more weeks.

Be smart about a withdrawal rate but live life while you can and expect the unexpected, both financially and otherwise.

God Bless
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Old 10-11-2019, 06:03 PM   #42
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Originally Posted by LarryMelman View Post
I'm surprised that Firecalc says you're 100%. Yes, 4% of 5.7M is 228K but there ought to be scenarios where that fails on a $160K spend, if you dial in enough pessimism.
Firecalc tends to be quite optimistic. I'd consider getting 100% in Firecalc to be a gate to even start thinking about hanging it up. It certainly shouldn't be the deciding calculation.
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Old 10-12-2019, 02:56 PM   #43
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Go for it. You're rich.
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Old 10-12-2019, 05:39 PM   #44
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Not to be negative but I really think your bills are crazy high and you could easily retire if you addressed those issues.One simple example is your cell phone bill.
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Old 10-13-2019, 09:20 AM   #45
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I smell a troll.
Per my post #39, I'm with you on this.
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Old 10-13-2019, 10:16 AM   #46
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Old 10-13-2019, 10:39 AM   #47
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Per my post #39, I'm with you on this.
We agreed twice today.... amazing!
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Old 10-13-2019, 11:17 AM   #48
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After reassessing the post here I will say the OP is someone who is clueless about money in terms of spending.The bills that are listed are ridiculous to how a normal person spends money.No concern here and if the OP is actually real I would say read a couple books about spending and saving.Right now you are a 1 percent poster child.
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Old 10-14-2019, 09:45 AM   #49
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Anyone who has had the means to save 5 million lives in a HCOL area also probably has a lifestyle they enjoy and would like to continue to enjoy. It’s what’s important to them.

Our budget will be in the 120k range and there is NO way the housekeepers going at $240/ month for us. As we age that becomes especially important. His budget is fat because he can afford it. Good for you. Retire enjoy life. They say as we age the travel budget and fluff decrease I say you can and should retire ASAP.

I agree .
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Old 10-14-2019, 06:53 PM   #50
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I agree .
Agree or disagree but the OP spends money in a way that says they should not be asking questions on a forum like this.Just my humble opinion
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Old 10-14-2019, 07:51 PM   #51
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Just a fun fact... I googled "how many people live to 100"

The actual number reported in the 2010 census was less than half that amount at exactly 53,364 people. What happened to all the centenarians? The population of the United States in 2010 was approximately 309 million. Thus, today only 0.0173% of Americans live to 100.
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Old 10-14-2019, 08:12 PM   #52
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Agree or disagree but the OP spends money in a way that says they should not be asking questions on a forum like this.Just my humble opinion
+1
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Old 10-14-2019, 09:00 PM   #53
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Just a fun fact... I googled "how many people live to 100"

The actual number reported in the 2010 census was less than half that amount at exactly 53,364 people. What happened to all the centenarians? The population of the United States in 2010 was approximately 309 million. Thus, today only 0.0173% of Americans live to 100.
That's not quite correct. What you have calculated is the ratio of people who are 100+ to the entire population, which is not the probability of living to 100.

The odds are much better than that.
Try this calculator at the UK office of National statistics:
https://www.ons.gov.uk/peoplepopulat...nge/2017-12-01

if you are Male and 55 years old, the odds of you living to 100 are 6.3%
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Old 10-14-2019, 10:06 PM   #54
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After reassessing the post here I will say the OP is someone who is clueless about money in terms of spending.The bills that are listed are ridiculous to how a normal person spends money.No concern here and if the OP is actually real I would say read a couple books about spending and saving.Right now you are a 1 percent poster child.
Sounds like sour grapes to me. He's saved over $5 million while still in his 50s. Whether you, almighty, deem his bills to be ridiculous or not, he has saved enough to support his estimated (maybe current?) spending. When I retire, I only hope that I can afford to spend more than "how a normal person spends money." Who wants to spend a normal amount of money in retirement? Really. I definitely want to be in a position to spend an abnormal amount of money in retirement, which it appears the OP is able to do.
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Old 10-15-2019, 02:33 PM   #55
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After reassessing the post here I will say the OP is someone who is clueless about money in terms of spending.The bills that are listed are ridiculous to how a normal person spends money.No concern here and if the OP is actually real I would say read a couple books about spending and saving.Right now you are a 1 percent poster child.
Doesn't seem out of line with high income posters (doctor, lawyer, etc.) over on bogleheads forums...over there there are plenty of posters claiming household incomes $300k-$500k...and their expenses are high as well.

With ~$6 million saved spending $160,000/year after-tax should be fine, even if most here at ER.org would never spend that much.
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Old 10-15-2019, 04:00 PM   #56
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I thought this was the early retirement forum. Open to everyone. Not the Lean Fire Retirement Forum.

The OP may be a one time poster, troll, or whatever but what’s sad is that clearly some on this forum don’t play well in the sandbox with children who have more toys than they do.

To amass 5.7 million the OP obviously saved and LBYM.
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Old 10-15-2019, 04:54 PM   #57
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Originally Posted by Vacation4us View Post
I thought this was the early retirement forum. Open to everyone. Not the Lean Fire Retirement Forum.

The OP may be a one time poster, troll, or whatever but what’s sad is that clearly some on this forum don’t play well in the sandbox with children who have more toys than they do.

To amass 5.7 million the OP obviously saved and LBYM.
+1
Not rampant, but sometimes there can be an underlying jealousy of sorts of larger expense spending.
There are at least a few 10mm+ NW folks on this site who don't post frequently.
If we had ~6mm plus 2 SS checks, I could see budgeting and yes spending 200k.
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Old 10-16-2019, 09:46 AM   #58
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I thought this was the early retirement forum. Open to everyone. Not the Lean Fire Retirement Forum.

The OP may be a one time poster, troll, or whatever but what’s sad is that clearly some on this forum don’t play well in the sandbox with children who have more toys than they do.

To amass 5.7 million the OP obviously saved and LBYM.
I don't have a problem with someone having more than us. I do have a problem with someone wasting my time. I was the first to respond to OP. My post was sincere. I spent some time on it. At that point, I wasn't thinking the OP was messing with anyone. I only seriously considered that to be the case after others mentioned the possibility, and I saw that OP hasn't checked back in since 10 mins. after starting this topic.
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Old 10-16-2019, 10:13 AM   #59
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+1
Not rampant, but sometimes there can be an underlying jealousy of sorts of larger expense spending.
There are at least a few 10mm+ NW folks on this site who don't post frequently.
If we had ~6mm plus 2 SS checks, I could see budgeting and yes spending 200k.
+1 as well. Ive been spending more than OP but routinely keep an eye on my investments verses spend rate. I got grief from many posters over my spending and called out as a troll as well. I think OP should feel very good about his accumulation of assets and his budget (while maybe high to some) can support his retirement. OP knows he has enough but just needs encouragement (I needed the same 2 years ago even though I knew I had the $ and tools to make it work). Enjoy your well earned retirement!
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Old 10-16-2019, 11:36 AM   #60
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That's not quite correct. What you have calculated is the ratio of people who are 100+ to the entire population, which is not the probability of living to 100.

The odds are much better than that.
Try this calculator at the UK office of National statistics:
https://www.ons.gov.uk/peoplepopulat...nge/2017-12-01

if you are Male and 55 years old, the odds of you living to 100 are 6.3%
Last part is consistent with this calculator: https://www.longevityillustrator.org/
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