Recent content by ItsTime

I just received the letter as well and also have all of my holdings at Vanguard. I am planning to open an HSA soon so that will likely influence where I move my solo 401(k) and SEP IRA accounts. Although I am lifetime Vanguard customer, I will now consider adding Fidelity or Schwab as another...

Congrats, job well done!

Thank you, Koolau, and to all for the positive feedback!

We are at roughly $5M with annual spending of $96K. College for our last kid is funded via a 529 plan which I do not include in our portfolio total (and yes, dang expensive :) ) Our goal was to be at a WR in the 3% range before pulling the plug on the full-time work. Even though we hit that...

Hello, With our two year anniversary of being FIRE'd this past month, I wanted to share our experience in the event it provides any help to others. This post is also a reflection of the insights I have learned from this supportive and highly informative community. Background 55yo / DW 53yo -...

Kirkland Signature Sleep Aid I am someone who has been taking the Kirkland Signature Sleep Aid (ingredient in Unisom) for the past 15 years. I typically break a tablet into thirds and just take 1/3 each night. My primary physician has stated at this dosage level I am fine taking it daily but...

Thanks for the responses. I was thinking of a test run given the 90 day trial but probably not worth any potential issues in cancelling before fees are charged.

Hello, If I understand correctly, Vanguard is now offering a free (e.g. no fees) 90-day trial of their Robo service. https://investor.vanguard.com/advice/robo-advisor I am curious if any community members have signed up for this offer and if so, any thoughts on the experience? Thanks in...

Thanks all for the responses and feedback. @OldShooter, I hold a significant position with VTSAX and attempting to reduce fees where possible. Where the ETF expense ratio is less than the same mutual fund, I am considering conversions here. Open to any suggestions as always! Appreciate the...

Hi All, With the ability to convert a mutual fund to its ETF version (e.g. Total Stock Index VTSAX to VTI) with no tax consequences, I was hoping to understand if anyone here has done a conversion at Vanguard and if you are aware of the ability to do this yourself via Vanguard's website. I...

Thank you all for the insights and feedback. I should really formalize an Investment Policy Statement given this new stage in my life. My focus for the past 25 years during my full time career has been on the accumulation phase hence the heavy exposure to equities. Time to assess my AA and...

Hi All, As I am exiting the corporate world this week, I transacted on my remaining stock options that netted $900K after taxes. That said, I would be highly interested in anyone's thoughts on where to invest these funds. I am open to risk and not heavily focused on AA at the moment but...

Thanks all! Here is to 2022!

Hi All, I posted a few times in the past years and wanted to provide an update based on all the helpful folks in this forum. Your feedback was instrumental in understanding what to plan for and what to possibly anticipate when considering leaving a full time career. Quick reintroduction in...

Thanks for the replies, PaunchyPirate and Snowball Camper. Makes sense that viewing the accounts together for establishing AA is the optimal approach. I am struggling on the mental side with moving from the accumulation stage of my career to the distribution stage. I literally think about...