Cayman
Recycles dryer sheets
- Joined
- Nov 14, 2015
- Messages
- 445
A bit over a year into ER and wondering if our WR is too low or not.
Given our circumstances and goals below, I'm interested to hear your thoughts about upping our spending rate a bit (be it charitable donations, gifts, more travel, etc.) or sitting tight --- at least until the "magic" 5 year sequence of returns is passed.
Current lifestyle is v. good. We'd spend any extra $ on donations, gifts, travel (no expenditures that would require ongoing $ commitments, so we'd easily adjust in down years).
Given our circumstances and goals below, I'm interested to hear your thoughts about upping our spending rate a bit (be it charitable donations, gifts, more travel, etc.) or sitting tight --- at least until the "magic" 5 year sequence of returns is passed.
Current lifestyle is v. good. We'd spend any extra $ on donations, gifts, travel (no expenditures that would require ongoing $ commitments, so we'd easily adjust in down years).
- We're both 51, ER'd by LBYM lifestyle.
- Small pensions at 65, and social security at 70 planned.
- No debt. AA is approx. 65/10/25.
- WR is just below 2%, and our goal is to die with what we started ER with (inflation adjusted), or up to 50% less.