Hi.. have posted a few times before but am now on the glide path and am hoping to be more active with this great group...
62
Retiring 12/31/13
Just announced to staff last week! Press release, etc...
DW retired from education in August.. she's loving it!
FireCalc and Fidelity says we're ok for 30 years with 450k, 50/50 in various places (IRA, 401k, 403b.. soon to be Vanguard ETF to lower costs)
Pensions, SS for me.. DW is 57, so will get her SS in 2018
Expense proj to be 60k comfortable, 50k in a pinch
Discretionary funds about 34k annually all after taxes
Lucky to get on here good health insurance.. teachers usually have good stuff!
No kids or debt
Still scared of markets in early years of being independent
Lame Duck at work.. new guy from Megacorp already transitioning. Good guy, will be good for great folks here at my property (70 people) when he takes control in 1/1/2013.
Feeling invisible already after only a week, but still hands on with budgeting for 2014 expenses and revenue for the new duck in the water.
Won't miss a lot of the stuff at work, but afraid I'll miss the action of running the show, and the good people here.
Worried about relationship with DW and getting in each others way early on. I know it will work out, but she's always on the move and I'm more laid back.
Planning several short trips, nothing spectacular. Actually going to ride Amtrak to see the in-laws cause it sounded fun. Want to do Wine Festivals in California and see the USA in our Chevrolet.
So.. moving on no matter what.. no turning back! Excited, apprehensive, tentative, happy and sad in equal amounts, hopeful, planful, thoughtful and a little crazy.... is how I feel right now..
I liked some remarks from a newsletter received recently.. writer is named R. Williams...:
I've always been simpatico with the writer of Ecclesiastes.
I think I understand him. He said,
I have seen something else under the sun:
The race is not to the swift
or the battle to the strong,
nor does food come to the wise
or wealth to the brilliant
or favor to the learned;
but time and chance happen to them all.
Moreover, no one knows when their hour will come:
As fish are caught in a cruel net,
or birds are taken in a snare,
so people are trapped by evil times
that fall unexpectedly upon them.
It is not my goal to bring you down or give you melancholy. I hope only to broaden your perspective. I want you to enjoy this adventure called Life, regardless of the scenery that surrounds you. You made it here. You exist. You're alive. How cool is THAT!
We choose our destiny with every choice we make.
We create our reality with every action we take.
And Time and Chance happen to us all.
cheers everyone! We're all here!
62
Retiring 12/31/13
Just announced to staff last week! Press release, etc...
DW retired from education in August.. she's loving it!
FireCalc and Fidelity says we're ok for 30 years with 450k, 50/50 in various places (IRA, 401k, 403b.. soon to be Vanguard ETF to lower costs)
Pensions, SS for me.. DW is 57, so will get her SS in 2018
Expense proj to be 60k comfortable, 50k in a pinch
Discretionary funds about 34k annually all after taxes
Lucky to get on here good health insurance.. teachers usually have good stuff!
No kids or debt
Still scared of markets in early years of being independent
Lame Duck at work.. new guy from Megacorp already transitioning. Good guy, will be good for great folks here at my property (70 people) when he takes control in 1/1/2013.
Feeling invisible already after only a week, but still hands on with budgeting for 2014 expenses and revenue for the new duck in the water.
Won't miss a lot of the stuff at work, but afraid I'll miss the action of running the show, and the good people here.
Worried about relationship with DW and getting in each others way early on. I know it will work out, but she's always on the move and I'm more laid back.
Planning several short trips, nothing spectacular. Actually going to ride Amtrak to see the in-laws cause it sounded fun. Want to do Wine Festivals in California and see the USA in our Chevrolet.
So.. moving on no matter what.. no turning back! Excited, apprehensive, tentative, happy and sad in equal amounts, hopeful, planful, thoughtful and a little crazy.... is how I feel right now..
I liked some remarks from a newsletter received recently.. writer is named R. Williams...:
I've always been simpatico with the writer of Ecclesiastes.
I think I understand him. He said,
I have seen something else under the sun:
The race is not to the swift
or the battle to the strong,
nor does food come to the wise
or wealth to the brilliant
or favor to the learned;
but time and chance happen to them all.
Moreover, no one knows when their hour will come:
As fish are caught in a cruel net,
or birds are taken in a snare,
so people are trapped by evil times
that fall unexpectedly upon them.
It is not my goal to bring you down or give you melancholy. I hope only to broaden your perspective. I want you to enjoy this adventure called Life, regardless of the scenery that surrounds you. You made it here. You exist. You're alive. How cool is THAT!
We choose our destiny with every choice we make.
We create our reality with every action we take.
And Time and Chance happen to us all.
cheers everyone! We're all here!