RobertFrost
Confused about dryer sheets
I've been reading some threads on this forum for a couple of weeks now - time to participate a bit.
Though I planned and saved for retirement for the last thirty years, I'd never dug into it more than to know that I was doing enough. When dealing with admin/mgmt turned stressful over the last year I built a spreadsheet of assets and liabilities, realized I could retire NOW. So as of July 1, I own all my time. Very nice.
My wife is four years younger and, though she works very hard, plans to continue full time for another four years. One immediate change is I started making dinner for her each evening (something I'd never done before). She deserves a regular welcome home now.
My first major project is to finish our house. We started 35 years ago - with full focus I think we can be there in 18 months or so.
Kids are grown and independent. When I started running numbers we both downloaded all our credit card and checking account transactions for the last eighteen months, categorized each one and got a good read on our spending. I figure we can live comfortably on about $45K after taxes. We'll spend more as we get older and start paying others to do some of the things we do ourselves.
Finances - I've been following Bogleheads for a several months, am pretty much a disciple of Rick Ferri. IRA is with Vanguard and 50/50. We'll convert some of that to Roth before we start SS (70 for me). I'm fortunate to have lifetime med benefits, some pension and a working wife.
Okay, got to go start dinner -
Robert Frost
Though I planned and saved for retirement for the last thirty years, I'd never dug into it more than to know that I was doing enough. When dealing with admin/mgmt turned stressful over the last year I built a spreadsheet of assets and liabilities, realized I could retire NOW. So as of July 1, I own all my time. Very nice.
My wife is four years younger and, though she works very hard, plans to continue full time for another four years. One immediate change is I started making dinner for her each evening (something I'd never done before). She deserves a regular welcome home now.
My first major project is to finish our house. We started 35 years ago - with full focus I think we can be there in 18 months or so.
Kids are grown and independent. When I started running numbers we both downloaded all our credit card and checking account transactions for the last eighteen months, categorized each one and got a good read on our spending. I figure we can live comfortably on about $45K after taxes. We'll spend more as we get older and start paying others to do some of the things we do ourselves.
Finances - I've been following Bogleheads for a several months, am pretty much a disciple of Rick Ferri. IRA is with Vanguard and 50/50. We'll convert some of that to Roth before we start SS (70 for me). I'm fortunate to have lifetime med benefits, some pension and a working wife.
Okay, got to go start dinner -
Robert Frost