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Search: Posts Made By: Twize
Forum: FIRE and Money 10-29-2020, 05:33 PM
Replies: 11
Views: 1,612
Posted By Twize
Time and compounding is your friend. I would...

Time and compounding is your friend. I would continue to max out the Roth then save for house secondary like you said. However I would go for a 15 year mortgage and pay it off as fast as possible. ...
Forum: Life after FIRE 09-22-2020, 01:24 AM
Replies: 12
Views: 1,130
Posted By Twize
Sounds pretty awesome! I'm semi-retired, work for...

Sounds pretty awesome! I'm semi-retired, work for myself about 12-18 hours a week. Sure does feel good to leisurely do things at your own pace when most folks are grinding away.
Forum: Life after FIRE 09-04-2020, 02:38 AM
Replies: 68
Views: 7,294
Posted By Twize
I struggled with anxiety for many years....

I struggled with anxiety for many years. Nervousness, hard time going to sleep, shortness of breath, etc. I read one book and it changed my outlook on life, and wiped out about 90% of my anxiety....
Forum: FIRE and Money 05-21-2020, 08:05 PM
Replies: 129
Views: 13,124
Posted By Twize
I retired in 2011, E7 with 21 years. Built our...

I retired in 2011, E7 with 21 years. Built our house out of pocket so no mortgage payment and that's a huge plus. I'm semi-retired now and work for myself about 20 hours per week. Between the pension...
Forum: Life after FIRE 01-30-2020, 12:10 AM
Replies: 75
Views: 9,622
Posted By Twize
I used a percentage because the more you make you...

I used a percentage because the more you make you can obviously vacation more, so I didnt want to compare $$ figures. Being in Alaska, it cost about $1000 and up per person just to get out of the...
Forum: Life after FIRE 01-29-2020, 09:18 PM
Replies: 75
Views: 9,622
Posted By Twize
Thanks for all the feedback. I'm going to budget...

Thanks for all the feedback. I'm going to budget for 20% minimum, and try to chip in a little extra with windfall money.
Forum: Life after FIRE 01-28-2020, 09:25 PM
Replies: 165
Views: 18,489
Posted By Twize
I hate morning workouts myself because I don't...

I hate morning workouts myself because I don't like to get up that early anymore. So I typically work out just before or right after dinner. Usually do some stretches at night before bed, and in the...
Forum: Life after FIRE 01-28-2020, 08:14 PM
Replies: 75
Views: 9,622
Posted By Twize
Vacation budgeting

I would like to know from people already in ER, how much of their budget is allotted to vacationing/travel. Not in $$ amount, but in percentage of their whole monthly or annual budget. Just trying...
Forum: Hi, I am... 01-28-2020, 10:42 AM
Replies: 28
Views: 2,359
Posted By Twize
They weren't too happy about it but doesnt seem...

They weren't too happy about it but doesnt seem to be any hard feelings. I'm able to refer them a replacement so they should be okay.
Forum: Hi, I am... 01-28-2020, 02:20 AM
Replies: 28
Views: 2,359
Posted By Twize
So I let go of my top paying and most demanding...

So I let go of my top paying and most demanding customer last week and it felt GREAT!! Now I know for sure I'll have no problems cutting back to 3 days per week. Just want to bill out 24 hours per...
Forum: Life after FIRE 01-08-2020, 01:56 AM
Replies: 49
Views: 3,800
Posted By Twize
I'm cutting loose my biggest and least liked...

I'm cutting loose my biggest and least liked customer this year so that should allow me to cut back to working 3 days a week. Gives me more time to do things I want to do. I'm 47 and enjoy what I do...
Forum: Hi, I am... 12-20-2019, 02:55 PM
Replies: 28
Views: 2,359
Posted By Twize
Glad to hear I'm not alone in this, I'm a one-man...

Glad to hear I'm not alone in this, I'm a one-man operation. All my customers are pretty reasonable, except one. When I injured myself two summers in a row and was down for at least a week, they...
Forum: Hi, I am... 12-20-2019, 01:24 PM
Replies: 28
Views: 2,359
Posted By Twize
Thanks for the advice. I raised my rates 2 years...

Thanks for the advice. I raised my rates 2 years ago and they're pretty fair as it is. One competitor raised his rates a good bit higher than me and is still swamped. I don't want to be greedy,...
Forum: Hi, I am... 12-20-2019, 12:37 PM
Replies: 28
Views: 2,359
Posted By Twize
I fumbled the first reply. Yes, it is. Little...

I fumbled the first reply. Yes, it is. Little chilly today.
Forum: Hi, I am... 12-20-2019, 12:24 PM
Replies: 28
Views: 2,359
Posted By Twize
Target 2019, Yes, it is. -30 today. Good for...

Target 2019, Yes, it is. -30 today. Good for having some extra coffee and reading.
Forum: Hi, I am... 12-20-2019, 12:20 PM
Replies: 28
Views: 2,359
Posted By Twize
Didn't show up on my profile but I'm from Alaska.

Didn't show up on my profile but I'm from Alaska.
Forum: Health and Early Retirement 12-20-2019, 04:13 AM
Replies: 43
Views: 2,708
Posted By Twize
I've never had knee replacement surgery but have...

I've never had knee replacement surgery but have injured mine several times. What has helped me recover fast is swimming. Weightless exercising of the knees helps a lot. Hopefully you'll recover...
Forum: Hi, I am... 12-20-2019, 03:40 AM
Replies: 28
Views: 2,359
Posted By Twize
Hello from the icebox!

Hi,
Just discovered this forum after reading Live more Work less. Going to be semi-retired starting next month. I'm a self employed mechanic and looking to cut back to 2-3 days a week for more free...
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