Recent content by FireDreamer

We just finished this process and paid $5500 for a revocable trust, POA, Health Care POA, and transfer of real estate to the trust, and a will. This was a flat fee. We live in a HCOL area. We chose a law firm with multiple lawyers and local offices, they also offered lifetime changes for an...

We own a beach condo which we rent on VRBO and self-manage. I completely agree with Kork13 's comment about reviews - I strive for 5 star reviews from my renters to drive future and return guests. Its basically a business for me and would not cancel on someone for friends or family to rent at...

Update from my side - I called Yahoo Mail support and spoke to a rep for over an hour before getting 'disconnected' I gave the rep all the data points we have - works for gmail, forum logs show emails to yahoo addrs are bouncing, worked for a while (last email I have is from March), the...

Interesting... My email provider, in this case, is Yahoo. I see in this thread that someone else has Yahoo, switched to gmail, and started receiving them again. It seems to only affect newsletter@early-retirement.org emails. I do receive them from thread alerts...

Has the missing newsletter issue been resolved? I've tried unsubscribing, logging out/in, subscribing, but still no luck.

Hi All I recently met with my Fidelity private client group advisor where I was introduced to Separately Managed Accounts focused on Tax Loss Harvesting. Searching the forum, I found the last discussion on this topic from 2017-...

Congrats!! :dance::dance: As most say, the first million is the hardest, also the most gratifying.

I'm planning on a 3.5% WR. Not exactly unsafe, but not fully safe either for my time horizon. I think there is a lot of pad in my budget so it may be safer than I'm letting myself believe. I intentionally avoided the term bucket because I don't want to use that strategy. The bucket strategy...

I'll have to play with fireCalc more... When I input my data and ~50 year time horizon, I get 100% success rate. I was surprised to see PB4's fireCalc reference conflicts with the scenarios I've input.

Ugh... Is this generally accepted, or a conservative approach? Do I need to change my plan? I'm planning on a 3.5% WR at 47yr. Do I need to hang on longer for a lower WR?

I read the provided link; well sections 1, 2 and the conclusion, thanks. It basically says the SWR can be 3.75-6%, depending on a variety of factors. I think that's generally accepted in this forum. However, I don't understand your statement: My 'number' is total value of our nest egg to...

As we get closer to our 'number', I'm exploring ways to manage our nest egg in FIRE. I have two questions. First, how to organize our accounts to minimize the sequence of returns risk? I'm thinking of building up a large reserve of cash (1-3 years of expenses) to buffer against extended down...

This is good advice and perspective, thanks. I suspect I'm in a similar situation. My j*b assignment recently changed, which made it better than the toxic environment of my previous organization. Now, I could stay as long as it remains a healthy work-life balance. We are young (in terms...

As I approach my target faster than I planned, I can't help to think - how will I know its time? Everyone is at the mercy of the market, and one day I'll hit my number, but the next day/week/month could drop below. I don't feel like its a binary operation. I'm thinking, I should way at least...

It's been 1 year since I introduced myself and laid out my plan. It's time to check-in and keep myself accountable. Here goes - Total investable assets in 2019: 1.97mm Total investable assets in 2020: 2.47mm 2020 breakdown: Actual AA: 85/15 stock & bonds; increased risk from 80/20 - See, I...