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Old 07-08-2020, 10:09 AM   #21
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Firecalc and other subsequent retirement calculators, which gave me confidence to pull the plug officially.
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Old 07-08-2020, 10:12 AM   #22
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There was the poster who saved DW and I, our dogs, and home from blowing up one night.

Thank you!
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Old 07-08-2020, 12:49 PM   #23
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A sense of community. We weren't the only daft people planning to exit the workforce at the height of our earning potential.
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Old 07-08-2020, 01:15 PM   #24
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A sense of community. We weren't the only daft people planning to exit the workforce at the height of our earning potential.
Good post.
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Old 07-08-2020, 01:19 PM   #25
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That e-r.org is a good place to come for a wide range of information. Whatever the question, there is someone here who knows the answer or will help find it, and many who will commiserate and sympathize.
I also think that's one of the big benefits of membership here. I had already been ER for a number of years before I found this place, so there was no issue of "can I do it?" for me. But the range of expertise and experience to be found here is practically unequalled.
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Old 07-08-2020, 03:36 PM   #26
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The myriad ways to prepare a hard boiled egg.

Seriously, I was finding all these FA sites that hawk the need to have 25X, or 80-100% of gross working income, annuities, etc. I stumbled on ER about 5 months before retiring. Here, I found hundreds of voices counseling that expenses where the secret sauce. And these were people living it in retirement, not working stiffs selling it.
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Old 07-08-2020, 03:43 PM   #27
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I tell you what, I learn something new here atleast weekly if not daily. Lots of good ideas floating. Home repair encouragement, pet insurance (got it!), leads on bonuses, that its ok to K.I.S.S.
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Old 07-08-2020, 03:47 PM   #28
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OMY syndrome can become habit forming. Fortunately I only suffered from it about two years.
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Old 07-08-2020, 03:59 PM   #29
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I learned a lot on many topics and in particular on setting an asset allocation the concept of distinguishing my risk capacity, how much I can afford to lose v psychological capacity, having spent a long career building the wealth, how much do I mentally need to keep. These concepts along with learning about a SWAN (sleep well at night) portfolio were of great value to me in crossing over to retirement.
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Old 07-08-2020, 04:01 PM   #30
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Here are few things I learned here that saved/made me money:

- Roth conversions to the top of the 12% bracket. Never thought of them before

- NFCU CD's. I jumped in later than I should have, never thinking I would qualify for membership.

- the myriad of Medicare discussions that helped me zone in on Plan G

Beyond the above, a bunch of good ideas for smoking meat, and fixing things.

And, most importantly "Funny Joke Thursday". That is how I found this forum. One slow day at work lunch hour, searching for jokes on the internet.
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Old 07-08-2020, 04:19 PM   #31
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For several years before joining the forum, I was lurking on this site and the Boglehead site educating myself. From the information I was devouring and running numbers through FireCalc, I realized my wife and I were in excellent shape to retire. I am still self-employed part-time by choice, but the pressure is off. This site is a tremendous resource of knowledge! Thanks to all of you!
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Old 07-08-2020, 04:28 PM   #32
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Quote:
Originally Posted by MRG View Post
There was the poster who saved DW and I, our dogs, and home from blowing up one night.

Thank you!
Wow...story?

I think the best thing has been Firecalc. I mess around almost monthly with scenarios. It always says I have a lot of headroom
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Old 07-08-2020, 04:30 PM   #33
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That bacon really IS a food group.



And I have enough money to afford all the bacon I want for the rest of my mysteriously shortened life.
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Old 07-08-2020, 04:40 PM   #34
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If not for this ER Forum, it is a certainty that DW & I would not have acquired the knowledge necessary to retire early and to be confident in doing so.
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Old 07-08-2020, 05:02 PM   #35
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The biggest thing was being convinced I can manage my own funds.

Also a myriad of other bits of advice from exercise, vacation and brewing beer. I also enjoy being helpful, hoping I am supporting someone’s goal.

I really enjoy this forum.
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Old 07-08-2020, 05:35 PM   #36
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Apart from the general FI/RE mind meld of information, (which is a great asset), upon reflection I have really liked some of the product recommendations gleaned from this forum. Those have made a difference in enjoying life just a little bit more every day and almost all of those recommendations were are items I never knew about prior to joining the forum.
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Old 07-08-2020, 05:42 PM   #37
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I learn something every day. Top things are learning more about bonds as I have never been a bond guy. @pb4uski's relentless search for the last basis point in CDs, savings accounts, etc. has showed me a landscape I didn't know much about. Maybe most importantly, someone (Thanks, whoever you are) pointed me towards Richard Thaler and Daniel Kahneman. Better understanding of behavioral finance and economics has been a game-changer for me.
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Old 07-08-2020, 05:55 PM   #38
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Because I had retired a year before finding this forum, I can't say I learned anything here which helped me retire.


I am glad to read about people in my general demographic (40s-50s, single, childfree) who are either retired or are trying to get there, and I try to give advice and words of encouragement to them in particular.
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Old 07-08-2020, 05:58 PM   #39
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It's hard for me to remember what I learned here and what I already knew. Basically this site helped me with the confidence to retire early, that I'd be fine both financially and emotionally. I either learned or was reinforced to be an indexer, keep a stable AA, do Roth conversions, and so on. It's been a sounding board for some ideas, that I know that there are a lot of smart people who are more or less in my situation who could shoot holes in them or back them.
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Old 07-08-2020, 05:59 PM   #40
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1) the existance of 72t withdrawals from IRAs

2) the details of individual health insurance (back in 2006)

3) that so many people were striving for ER
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