anonymous_fred
Dryer sheet wannabe
- Joined
- May 30, 2007
- Messages
- 19
Hello, I'm a new member from Oregon.
My wife and I are both right around 30, and are hoping to be able to retire in 10 years (we don't plan to retire, just want to have the option available to us).
We have investable assets of about $1.2m ($300K in a taxable account at Vanguard, and the remainder in tax deferred accounts). I conservatively estimate our home equity at around $200K, and we have $150K remaining on our mortgage (hoping to pay that off in a few years). In addition we have around $250K in unexercised employee stock options (not all are vested).
We're generally pretty conservative in our lifestyle (we save between 30% and 50% of our pre-tax income) and investments (currently mostly in Vanguard TR fund). I do dabble a little in "side hobbies", such as credit card arbitrage and derivative trading, but this is with "play money", and doesn't contribute appreciably to our bottom line.
I'm hoping to learn from others in our situation, particularly about how best to avoid or defer taxes, and strategies for exercising employee stock options. And, of course, the unanswerable questions such as "how much is enough".
Thanks!
My wife and I are both right around 30, and are hoping to be able to retire in 10 years (we don't plan to retire, just want to have the option available to us).
We have investable assets of about $1.2m ($300K in a taxable account at Vanguard, and the remainder in tax deferred accounts). I conservatively estimate our home equity at around $200K, and we have $150K remaining on our mortgage (hoping to pay that off in a few years). In addition we have around $250K in unexercised employee stock options (not all are vested).
We're generally pretty conservative in our lifestyle (we save between 30% and 50% of our pre-tax income) and investments (currently mostly in Vanguard TR fund). I do dabble a little in "side hobbies", such as credit card arbitrage and derivative trading, but this is with "play money", and doesn't contribute appreciably to our bottom line.
I'm hoping to learn from others in our situation, particularly about how best to avoid or defer taxes, and strategies for exercising employee stock options. And, of course, the unanswerable questions such as "how much is enough".
Thanks!