Hello. I've been an occasional reader over the years and recently an active lurker. I'm 47 and DW is 49.
We currently have 15x (lavish) to 30x (sustenance) anticipated annual retirement expenses saved. Our portfolio is highly concentrated at this point.
For the last 20 years I've been paid very well working in the tech industry mostly with startup companies. We LBYM and caught a few breaks along the way. This year I finally realized I'm no longer 25. My risk tolerance has dropped considerably (both for work and investments.)
The goal in the next 6-12 months is to divest from our highly concentrated positions into a low cost portfolio of index funds with a 65/35 mix.
For the last decade I've been working mostly from home (kind of semi-retired) but the gig has ended and I am starting a new job at a large company in a couple of weeks. I don't know what qualifies as a mega-corp, but this is an international company with 15K+ employees and over $5B in annual revenue.
I don't plan to FIRE until we have 45x+ expenses at the sustenance level. DW has been a career homemaker. Kids are 17 and 19.
I want to give a thank you to all of you who have made this forum what it is. I told my wife yesterday (and shared on another thread) that it is a free Harvard education in personal finance and top notch financial counsel to go along with it.
We currently have 15x (lavish) to 30x (sustenance) anticipated annual retirement expenses saved. Our portfolio is highly concentrated at this point.
For the last 20 years I've been paid very well working in the tech industry mostly with startup companies. We LBYM and caught a few breaks along the way. This year I finally realized I'm no longer 25. My risk tolerance has dropped considerably (both for work and investments.)
The goal in the next 6-12 months is to divest from our highly concentrated positions into a low cost portfolio of index funds with a 65/35 mix.
For the last decade I've been working mostly from home (kind of semi-retired) but the gig has ended and I am starting a new job at a large company in a couple of weeks. I don't know what qualifies as a mega-corp, but this is an international company with 15K+ employees and over $5B in annual revenue.
I don't plan to FIRE until we have 45x+ expenses at the sustenance level. DW has been a career homemaker. Kids are 17 and 19.
I want to give a thank you to all of you who have made this forum what it is. I told my wife yesterday (and shared on another thread) that it is a free Harvard education in personal finance and top notch financial counsel to go along with it.