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Forum: Stock Picking and Market Strategy Today, 07:10 AM
Replies: 14
Views: 448
Posted By DawgMan
I wish I was as smart as these "experts" and then...

I wish I was as smart as these "experts" and then I would know what to do!

When I read articles like this, I try and remind myself that there is a reason I have a diversified plan and then take...
Forum: Stock Picking and Market Strategy Yesterday, 11:00 AM
Replies: 4
Views: 289
Posted By DawgMan
Perhaps. My quick analysis of past overall...

Perhaps. My quick analysis of past overall returns of intermediate & short term bond funds showed positive overall returns in periods of 2 - 5 yrs where a negative 1 year return occurred is what...
Forum: Stock Picking and Market Strategy Yesterday, 10:29 AM
Replies: 4
Views: 289
Posted By DawgMan
Combination of more short/intermediate bond ETFs...

Combination of more short/intermediate bond ETFs and preferreds….heavier on the intermediate s
Forum: Stock Picking and Market Strategy Yesterday, 10:11 AM
Replies: 4
Views: 289
Posted By DawgMan
Does this fixed AA make sense with inflation on the way?

I debated on adding on to a previous thread I started, https://www.early-retirement.org/forums/f44/bond-alternatives-if-inflation-is-here-to-stay-109440-4.html, but thought it might warrant it's own...
Forum: Other topics 07-25-2021, 03:58 PM
Replies: 87
Views: 3,302
Posted By DawgMan
Jumping back into the fray here. Frankly, cannot...

Jumping back into the fray here. Frankly, cannot argue with many of the comments. At the risk of sounding "political", although I would just call it patriotism, I believe we STILL live in the most...
Forum: Other topics 07-25-2021, 06:49 AM
Replies: 87
Views: 3,302
Posted By DawgMan
Black racing stripe? Did I sell you my car??

Black racing stripe? Did I sell you my car??
Forum: Other topics 07-25-2021, 06:36 AM
Replies: 87
Views: 3,302
Posted By DawgMan
Are we creating "weak men"?

Spitballing here...

This is not meant to be a political post, but more of observation and perhaps something to ponder. I would suggest most here on this site are in a very small exceptional group,...
Forum: Life after FIRE 07-15-2021, 05:03 AM
Replies: 20
Views: 1,959
Posted By DawgMan
Great post! Reassuring for many of us who need a...

Great post! Reassuring for many of us who need a little extra push into the pool. I have chosen a slow "wade into the pool" over the last 2 years, which I think has been right for me, but expect to...
Forum: FIRE and Money 07-15-2021, 04:43 AM
Replies: 47
Views: 6,035
Posted By DawgMan
Coincidently, I have been banging around these...

Coincidently, I have been banging around these same thoughts. As I have previously sold myself as an AA rebalance purest, however, I am starting to come around to OS's philosophy. You could argue...
Forum: FIRE and Money 07-14-2021, 12:07 PM
Replies: 66
Views: 5,561
Posted By DawgMan
Based on my modeling, I stay in the 24% bracket...

Based on my modeling, I stay in the 24% bracket starting with conversions thru RMD years (until 1 spouse passes). Of course, all of this is based on the assumptions I noted.

My comment on...
Forum: FIRE and Money 07-14-2021, 11:41 AM
Replies: 26
Views: 3,203
Posted By DawgMan
I commented earlier today on another Roth...

I commented earlier today on another Roth conversion thread, but it appears to me (at least in my analysis) that picking a top tax bracket that looks somewhat consistent, taking into account annual...
Forum: FIRE and Money 07-14-2021, 11:23 AM
Replies: 66
Views: 5,561
Posted By DawgMan
Legacy, as in the kids will not have taxable RMDs...

Legacy, as in the kids will not have taxable RMDs with inherited Roth accounts.

Frankly, I look at anything my kids get (which will be plenty) as of little concern as they should look at it as...
Forum: FIRE and Money 07-14-2021, 10:53 AM
Replies: 66
Views: 5,561
Posted By DawgMan
I have to admit, as I start to play with some...

I have to admit, as I start to play with some different Roth conversion strategies, my head spins. You guys are all much smarter than me. A tool I have used to help with this is New Retirement...
Forum: FIRE and Money 07-13-2021, 11:06 AM
Replies: 45
Views: 4,389
Posted By DawgMan
Well, I will give you credit for trying to think...

Well, I will give you credit for trying to think up every potential cost!

Maybe I missed it, but what were you underwriting as your annual spend should you close shop? And, are the big nuts you...
Forum: FIRE and Money 07-13-2021, 06:04 AM
Replies: 45
Views: 4,389
Posted By DawgMan
Others have touched on it... 1) the cost of kids...

Others have touched on it... 1) the cost of kids (planned and unplanned) may surprise you through and beyond the college years. I have 4 grown self-sufficient kids at this point (24 - 31), but they...
Forum: Life after FIRE 07-07-2021, 03:32 PM
Replies: 44
Views: 4,560
Posted By DawgMan
Interesting! So was your yr 1 spend what you...

Interesting! So was your yr 1 spend what you planned/budgeted or just some arbitrary spend that just so happened? If I am interpreting your graph correctly, it appears your worst case scenario (so...
Forum: Life after FIRE 07-07-2021, 02:25 PM
Replies: 44
Views: 4,560
Posted By DawgMan
Go Go to Slow Go... when did/has it happened to you?

Perhaps another way of putting it, when did you really stop BTD?

The science all seems to make sense... in ER you are in the honeymoon stage and excited to get after it and BTD on things such as...
Forum: FIRE and Money 06-24-2021, 10:34 AM
Replies: 17
Views: 1,338
Posted By DawgMan
I go back and forth with withdrawing my planned...

I go back and forth with withdrawing my planned spend, or as you suggested, taking say a 3% WR based on portfolio balance, banking any excess, as opposed to redeploying it back into your AA. Merits...
Forum: FIRE and Money 06-24-2021, 09:52 AM
Replies: 17
Views: 1,338
Posted By DawgMan
Did you go heavier on cash at start of withdrawals?

I plan on starting withdrawals as of 2022 (age 57). While I do not really expect any earned income, a few drips may come in. None the less, I've been trying to right size all my accounts and will be...
Forum: Travel Information 06-16-2021, 03:56 PM
Replies: 53
Views: 3,319
Posted By DawgMan
Well, that post was of major interest! I...

Well, that post was of major interest!

I suppose I will sit and wait for all the great responses... :popcorn:
Forum: Travel Information 06-16-2021, 06:24 AM
Replies: 53
Views: 3,319
Posted By DawgMan
Best Deals Travel Sites?

Like the rest of the country, we want to continue to ramp up our travel the rest of the year, mainly in the US, but possibly also in the Caribbean (probably wait until 2022 to go back to Europe). As...
Forum: FIRE and Money 06-13-2021, 06:41 AM
Replies: 34
Views: 2,910
Posted By DawgMan
Jumping on to this thread as it touches some of...

Jumping on to this thread as it touches some of my concerns. I continue to hear mixed advice as to what is enough coverage. I have heard from 2X to 3X NW to enough to cover a good lawyer or perhaps a...
Forum: Stock Picking and Market Strategy 06-06-2021, 06:13 AM
Replies: 47
Views: 4,281
Posted By DawgMan
As it relates to how/what/when we give/leave the...

As it relates to how/what/when we give/leave the kids $$, DW & I still bang around what we want to do. We will probably adopt a little bit of all of the above. With 4 adult self sufficient kids, 2...
Forum: Stock Picking and Market Strategy 06-05-2021, 05:43 AM
Replies: 47
Views: 4,281
Posted By DawgMan
Got too much... do you employ a legacy strategy?

I caught this Kiplinger read and found the concept interesting. It basically suggests one solution for those who have "won the game" and are perhaps looking for a reason to have confidence to "keep...
Forum: Stock Picking and Market Strategy 05-29-2021, 08:15 AM
Replies: 76
Views: 6,877
Posted By DawgMan
That is my most likely action, however, the...

That is my most likely action, however, the thought of mixing in some alternatives as mentioned, arguably as further diversification, has crossed my mind. Increasing my REIT allocation in particular...
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