Recent content by The Onceler

We claimed early (62) based on somewhat simplistic reasoning: 1. We needed a small bridge to FRA. 2. That bridge could be fulfilled via early SSA, early claiming on private pensions, and/or withdrawing from after-tax or pre-tax investments. 3. Once FRA is reached, we are looking at a...

There is a lot of insight into retirement in this thread. Perhaps I missed it but a persistent but perhaps not expressly voiced theme is that one can wake up in the morning and choose to be happy. I’m not making light of suffering, grief, or (relative) deprivation. But short of those unavoidable...

It is official. My last day will be 12/31/2022. This community has been great.

I think that I will officially be in the class of 2023 with a 01/01/2023 first day of not being officially employed. Had a talk with one of my colleagues today to signal my plan. I’ve had two years of semi-retirement after being convinced to stay on with a deal that was way too good to refuse...

With full respect, you might be asking the wrong question. By my calculations, you can spend about $166,000 per year (combined for the three of you) until you and your wife both die (actuarially speaking). At that point, your son will need to fend for himself. He will be 60 years old and...

I don’t include our house when I am thinking of investable money. I would include it in a description of our net worth. Much depends on the context and the question. If the question is a pure accounting issue, then of course it needs to be included if you are using the definition of assets...

We had a town we knew we wanted to retire to. We bought a cottage there in our mid 30s. We sold that after 4 years and bought a country house (to which we could retire) in our late 30s. This year (we both will be 60) we sold our main city place and are making our second home our principal...

I’d keep it. People who have no assets including human capital need no insurance. Those who do have assets need it. But you need not insure for more than can be attached. Consider Googlizing Pascal’s Wager. That’s what you are facing.

2021 I am not 100% clear on the standards but I might possibly be class of 2021. I gave my 6-month notice in June. Employer asked me if I’d stay another year. I agreed to stay at 1/2 time. Employer agreed. Full pay (a deal that is pretty nice and akin to a nice severance plan in a way...

Late to the party but i-orp lets you change the Roth conversion ceiling and then you can see the projected outcome differential in the total portfolio value. There are a few glitches in that, at higher levels of projected pension/SS income, i-orp won’t solve for lower ceilings. It basically...

Congrats. Would love to hear some progress reports through first six months or so.

If you have assets you want to keep then liability and property insurance + a healthy amount of umbrella insurance is one of the best hedges you can execute. But it is worth reading the fine print. As others note higher limits are not that expensive and are there for not only fortuitous but...

Thanks all for the insights. I’ll call this leanFIRE/fatFIR.

Here is something that must have been discussed (or is being executed) but I cannot find a topic identified as such. I-orp allows one to view a few different withdrawal scenarios (e.g., constant, life cycles, age banding, etc.). The below got a little bit long — the short question is whether...

What fisher? Pre-trek? I have a 1995 Mt Tam. Super light and great geometry. Love it. XTR v brakes now and some other mods but still the same bike.