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Forum: Life after FIRE 03-03-2021, 09:18 AM
Replies: 123
Views: 16,916
Posted By Aiming_4_55
Count Down under 400 days!

Well, what a year. I appreciate some of the events, but I'm not sure what to feel. While I should of been more personally productive, I probably wasn't.
The remote schooling ate into my time with...
Forum: FIRE and Money 03-01-2020, 10:57 AM
Replies: 51
Views: 7,116
Posted By Aiming_4_55
I think you are ok to go with your plan, if you...

I think you are ok to go with your plan, if you are flexible with your spending. Out of the 80k expenses, how much is discretionary vs essentials?

You say you are divorced, however any kid...
Forum: Hi, I am... 02-18-2020, 09:39 PM
Replies: 144
Views: 13,005
Posted By Aiming_4_55
It's good that you are writing things down and...

It's good that you are writing things down and asking out loud/text. Hold the line on spending for only bare essentials for now. That means NO to pilot license and GA plane.

Look at all your...
Forum: FIRE and Money 02-09-2020, 09:05 PM
Replies: 24
Views: 2,819
Posted By Aiming_4_55
You say you are worried that you will be...

You say you are worried that you will be targeted, then you note 25k severance. Were you notified of actual layoff?

Use up as much healthcare, dental, vision, FSA benefits as possible. You could...
Forum: Young Dreamers 02-09-2020, 08:46 PM
Replies: 33
Views: 6,137
Posted By Aiming_4_55
Sorry for the below target rating and new BS. ...

Sorry for the below target rating and new BS. Mentally prepare for low to zero merit and bonus due to the rating and possible PIP. Finish training early and view it as a priority, as it's easily...
Forum: Hi, I am... 01-27-2020, 07:08 AM
Replies: 38
Views: 2,966
Posted By Aiming_4_55
If you will truly use and enjoy the new...

If you will truly use and enjoy the new surroundings, and your new numbers work for you, I say go for it.

Do your research and visit the area for a few weeks before committing. I've lived in the...
Forum: Hi, I am... 01-26-2020, 11:49 PM
Replies: 14
Views: 1,551
Posted By Aiming_4_55
What is your current asset allocation? is your...

What is your current asset allocation? is your 401k all equities like your taxable portfolio? If so, maybe consider adjusting.

Any FMLA or stress/short term disability benefits? My Dr. during...
Forum: FIRE and Money 01-26-2020, 02:19 PM
Replies: 67
Views: 4,611
Posted By Aiming_4_55
Shocked! Age 41 DOB August 23, 1978

Shocked!

Age 41
DOB August 23, 1978
Forum: Young Dreamers 01-24-2020, 03:55 PM
Replies: 6
Views: 584
Posted By Aiming_4_55
Above blue text added.

Above blue text added.
Forum: Young Dreamers 01-24-2020, 03:01 PM
Replies: 6
Views: 584
Posted By Aiming_4_55
The company annual sales is about 700M with...

The company annual sales is about 700M with 300-400M in cash. It's a technology company so it can change quickly, but publicly traded for over 8 years. Company continues to be solid and leader in...
Forum: Young Dreamers 01-24-2020, 02:49 PM
Replies: 6
Views: 584
Posted By Aiming_4_55
Deferred Compensation Plan suggestions

I w*rk for a mid-sized public company, so benefit programs are not so elaborate, but appears to be more and more open-minded.

I don't need all my pay (base, bonus, options, RSUs, etc.) and in a...
Forum: Young Dreamers 01-05-2020, 09:02 PM
Replies: 59
Views: 7,646
Posted By Aiming_4_55
Now that you have 3 years of experience, do you...

Now that you have 3 years of experience, do you consider yourself a senior programmer? While I agree that an employer should invest in their employees, the employee should too... most good...
Forum: Life after FIRE 01-05-2020, 04:06 PM
Replies: 123
Views: 16,916
Posted By Aiming_4_55
Yes, 2 years! 24 to 35 months max! LoL I'm not...

Yes, 2 years! 24 to 35 months max! LoL I'm not looking at # of days as it seem longer, but it's all the same.

I'm still struggling with the right AA with rentals. Also, not feeling good with...
Forum: FIRE and Money 01-05-2020, 02:19 AM
Replies: 12
Views: 980
Posted By Aiming_4_55
Will 15% toward 401k get you to the annual max...

Will 15% toward 401k get you to the annual max contribution allowed? If not, be open-minded to a higher percentage to lower tax burden if your budget allows. This is with the assumption your 401k...
Forum: Travel Information 01-05-2020, 01:59 AM
Replies: 26
Views: 1,419
Posted By Aiming_4_55
Water and ice should be available at the buffet...

Water and ice should be available at the buffet dining areas. Most Carnival cruises have multiple food areas, so explore. Also, I believe ice tea and lemonade are available for free most times too....
Forum: Life after FIRE 12-23-2019, 12:24 AM
Replies: 123
Views: 16,916
Posted By Aiming_4_55
Thanks YVR for the welcome. Extra fun money or...

Thanks YVR for the welcome. Extra fun money or acts of kindness appeal to me. I'm not comfortable doing kind acts in public, but every so often, I read an article where someone made someone's day by...
Forum: Life after FIRE 12-09-2019, 02:57 PM
Replies: 123
Views: 16,916
Posted By Aiming_4_55
Thanks CaliKid for the welcome. I thought I saw...

Thanks CaliKid for the welcome. I thought I saw you in the Class of 2019 saying you had enough. Being FI allows us to walk away. Sucky sucky is not good, hopefully during the holiday you will take...
Forum: FIRE and Money 12-08-2019, 10:28 AM
Replies: 84
Views: 50,763
Posted By Aiming_4_55
Roth IRA Income limit - Not eligible (consider...

Roth IRA Income limit - Not eligible (consider Backdoor option)

In 2020 for singles $139,000 or over not eligible ($124,000 to $138,999 reduce contribution limit) and $206,000 or over for married...
Forum: FIRE and Money 12-08-2019, 10:04 AM
Replies: 84
Views: 50,763
Posted By Aiming_4_55
"$434,550* - 20% long term capital gains rate"...

"$434,550* - 20% long term capital gains rate" might be a typo

$434,550 is the very top for Single - 15% long term capital gains rate

Suggested correction:

$434,551 or more is for Single -...
Forum: Life after FIRE 12-08-2019, 06:32 AM
Replies: 123
Views: 16,916
Posted By Aiming_4_55
I booted myself from the Class of 2019. Before...

I booted myself from the Class of 2019. Before 55, so OMYing! I'm still enjoying most of the w*rk and learning new technology, so I'm weird.

My OMYing is based on a few $$ milestones, several big...
Forum: Life after FIRE 12-03-2019, 05:52 PM
Replies: 425
Views: 51,126
Posted By Aiming_4_55
No longer 2019...OMY set in

I'm getting booted from the Class of 2019. :(:(:( I'm still targeting before 55, so I have a few years to OMY! I'm still enjoying most of the w*rk and learning new technology, so it's a bit fun. ...
Forum: FIRE and Money 12-01-2019, 03:29 PM
Replies: 48
Views: 4,394
Posted By Aiming_4_55
I've had some thoughts recently, what can I do in...

I've had some thoughts recently, what can I do in a small way to bring "cheer" to someone in an unexpecting way. A nice tip is always something that can be appreciated. This story was nice...
Forum: Life after FIRE 11-25-2019, 05:27 AM
Replies: 30
Views: 2,478
Posted By Aiming_4_55
As far as tax friendly, it all depends. While I...

As far as tax friendly, it all depends. While I agree, TX property taxes may seem higher at 2 - 3%, the value of homes are much lower than CA where property taxes are about 1%. In my experience, a...
Forum: Life after FIRE 11-25-2019, 05:05 AM
Replies: 30
Views: 2,478
Posted By Aiming_4_55
CA estate tax might get reinstated, but it's not...

CA estate tax might get reinstated, but it's not making it on the ballot yet.
...
Forum: Other topics 10-05-2019, 10:57 PM
Replies: 63
Views: 11,993
Posted By Aiming_4_55
Congrats on the new job. Since this is an office...

Congrats on the new job. Since this is an office job, how do you know you will like it and stay? Don't go overboard!

- Check Goodwill or 2nd hand stores or even Craigslist for ties, button down,...
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