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07-08-2020, 10:09 AM
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#21
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2018
Location: Tampa
Posts: 11,233
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Firecalc and other subsequent retirement calculators, which gave me confidence to pull the plug officially.
Social Security threads
Roth conversion threads
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TGIM
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Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!
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07-08-2020, 10:12 AM
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#22
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Apr 2013
Posts: 11,078
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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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07-08-2020, 12:49 PM
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#23
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Thinks s/he gets paid by the post
Join Date: Jul 2006
Location: Denver
Posts: 3,506
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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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07-08-2020, 01:15 PM
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#24
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2018
Location: Tampa
Posts: 11,233
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Quote:
Originally Posted by walkinwood
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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Good post.
__________________
TGIM
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07-08-2020, 01:19 PM
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#25
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Moderator
Join Date: Feb 2010
Location: Flyover country
Posts: 25,199
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Quote:
Originally Posted by cathy63
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.
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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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I thought growing old would take longer.
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07-08-2020, 03:36 PM
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#26
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Thinks s/he gets paid by the post
Join Date: Jan 2017
Location: Hog Mountian
Posts: 2,077
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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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Never let yesterday use up too much of today.
W. Rogers
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07-08-2020, 03:43 PM
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#27
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Full time employment: Posting here.
Join Date: Jun 2018
Posts: 929
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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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07-08-2020, 03:47 PM
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#28
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2013
Location: Texas
Posts: 10,864
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OMY syndrome can become habit forming. Fortunately I only suffered from it about two years.
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20's "something" mind, trapped in a 70's "something" body
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07-08-2020, 03:59 PM
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#29
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Recycles dryer sheets
Join Date: Jul 2016
Posts: 144
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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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07-08-2020, 04:01 PM
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#30
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Thinks s/he gets paid by the post
Join Date: Dec 2014
Location: St. Charles
Posts: 3,903
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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.
__________________
If your not living on the edge, you're taking up too much space.
Never slow down, never grow old!
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07-08-2020, 04:19 PM
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#31
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Recycles dryer sheets
Join Date: Jun 2020
Location: Central
Posts: 192
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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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07-08-2020, 04:28 PM
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#32
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Thinks s/he gets paid by the post
Join Date: May 2005
Location: Portland
Posts: 1,708
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Quote:
Originally Posted by MRG
There was the poster who saved DW and I, our dogs, and home from blowing up one night.
Thank you!
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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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07-08-2020, 04:30 PM
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#33
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Thinks s/he gets paid by the post
Join Date: Nov 2007
Location: GTA
Posts: 1,726
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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.
__________________
Family Motto: "Every penny's a prisoner"
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07-08-2020, 04:40 PM
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#34
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Thinks s/he gets paid by the post
Join Date: Oct 2013
Location: Cholula
Posts: 1,595
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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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“Before you criticize someone, walk a mile in their shoes. That way, you’ll be a mile from them, and you’ll have their shoes.” – Jack Handey
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07-08-2020, 05:02 PM
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#35
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Thinks s/he gets paid by the post
Join Date: Jul 2011
Posts: 1,282
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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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07-08-2020, 05:35 PM
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#36
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Recycles dryer sheets
Join Date: Jul 2013
Posts: 87
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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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07-08-2020, 05:42 PM
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#37
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Mar 2017
Location: City
Posts: 10,337
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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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07-08-2020, 05:55 PM
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#38
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2009
Posts: 6,682
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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.
__________________
Retired in late 2008 at age 45. Cashed in company stock, bought a lot of shares in a big bond fund and am living nicely off its dividends. IRA, SS, and a pension await me at age 60 and later. No kids, no debts.
"I want my money working for me instead of me working for my money!"
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07-08-2020, 05:58 PM
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#39
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2007
Posts: 13,202
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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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07-08-2020, 05:59 PM
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#40
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Thinks s/he gets paid by the post
Join Date: Jul 2005
Location: Los Angeles area
Posts: 1,708
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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
__________________
learn, work, save, invest, fire
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