kzodave
Dryer sheet wannabe
Hello from Michigan!
Signing up for this forum has been the first "official" thing I've done toward my retirement, and it kind of made me feel like I was old....LOL! Didn't expect that reaction, especially since my motivation for ER has been to be able to enjoy it while I still had a relatively young body.
I set a date of my 55th birthday (Dec of 2016) to retire, mainly because I vest in a health savings acct at that time and figured it was worth hanging out a bit longer to grab and extra $170k. A few things have made me wonder if trading a year an half of my life for that money is worth it or not. 1: 57 year old brother died unexpectedly a couple of weeks ago. 2: Portfolio has grown such that simple calculations show I can support myself well into my 90s. 3: Wife recently started her dream job and though doesn't' earn much money, doesn't see retiring anytime soon. 4: Rumors circulating of ER packages being offered at my work in near future.
My whole mind set for many years has been to get out and enjoy myself for several years while my body is capable of doing the adventuresome activities that I enjoy (mountaineering, backpacking, cycling).....then some time later grab a PT job once my oats have been properly sowed. and earn a bit here and there. Profession will have passed me by, so likely low pay.
So I come here to educate myself on how to refine my planning. Better spending models, withdrawal models, activities, holes in my thinking, etc. Hopefully along the way I can learn and make some new friends.
Dave
Signing up for this forum has been the first "official" thing I've done toward my retirement, and it kind of made me feel like I was old....LOL! Didn't expect that reaction, especially since my motivation for ER has been to be able to enjoy it while I still had a relatively young body.
I set a date of my 55th birthday (Dec of 2016) to retire, mainly because I vest in a health savings acct at that time and figured it was worth hanging out a bit longer to grab and extra $170k. A few things have made me wonder if trading a year an half of my life for that money is worth it or not. 1: 57 year old brother died unexpectedly a couple of weeks ago. 2: Portfolio has grown such that simple calculations show I can support myself well into my 90s. 3: Wife recently started her dream job and though doesn't' earn much money, doesn't see retiring anytime soon. 4: Rumors circulating of ER packages being offered at my work in near future.
My whole mind set for many years has been to get out and enjoy myself for several years while my body is capable of doing the adventuresome activities that I enjoy (mountaineering, backpacking, cycling).....then some time later grab a PT job once my oats have been properly sowed. and earn a bit here and there. Profession will have passed me by, so likely low pay.
So I come here to educate myself on how to refine my planning. Better spending models, withdrawal models, activities, holes in my thinking, etc. Hopefully along the way I can learn and make some new friends.
Dave