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5 Rain Barrels

Replaced the rubber piece of my windshield wiper without buying a new windshield wiper. Wasn't easy but saved ~$15

I meant as you spend down your liquid assets, replace your spending in your liquid savings and a little bit more to eventually build your liquid savings to 6 years of expenses so you can ride out a down market for a number of years. You could do it all at once but my nature is to do things...

I haven't balanced it in over 10 years. Since I can see my transactions online, I haven't balanced. Every transaction I ever questioned, was my mistake.

My first take is that you would be OK. You will be quite dependant on SS. I wouldn't be betting that you will get the full amount of SS when the program stops being able to pull from the trust fund. Are sure you can live on $5k/mo.? I'm overspending my original projection by about 25% (taking...

Overall 2024 - 2.09% AA 57/30/12/2 Equities/Real estate/bonds/cash Without Real estate the rate of return was 16.04%, real estate was down -9.55% (actually it was overvalued at the end of 2023 and is fairly or undervalued at the end of 2024)

I picked 6200 in the poll but I think 6175

I like your idea. I think I'm going to use (total spending - rental income) / (net worth -home) = $78k/$5.1M = 1.5% for two reasons, it's relatively easy to calculate (for me) and it excludes the work income since I'm trying to convince the wife to quit. I know it has issues with depreciation...

I retired in April but this thread has me confused. I calculated my withdraw rate as: 3.2% (not finalized) = $164k total spending / $5.1M (Net worth - home) However I have a rental property and my wife still works part time I calculated the my withdraw rate without the rental property as part...

I play Nethack and have enjoyed it for over 30 years. I can play in line at the grocery store or sitting on the sofa. It exercises your memory too

Started driving in 1987 1987-1989 1976 Chevy Malibu (bought from my father's friend, taught me to not depend on anything) 1989-1994 1989 Nissan Sentra (shared with my sister and father) 1994-2000 1994 Honda Civic (great car,Rear-ended by a guy talking on a cell phone) 2000-2000 1996 Toyota Camry...

I estimated my spending going back in time by taking the change in my bank account balance and subtracting out income and transfers. (i.e. My starting balance was $20,000, There was $10,000 in income, I transferred out $1000, I transferred in $2000, My ending balance was $22,000, My spending was...

1.97% Taxable Cash 6.19% Taxable Bonds 10.92% Taxable Equities 0.02% Deferred Cash 10.40% Deferred Bonds 66.08% Deferred Equities 0.02% Roth Cash 0.00% Roth Bonds 4.40% Roth Equities Directly from my spreadsheet (using november's final numbers). Does not include about $3.5M in...

I'd put less in banks and more in money market funds or treasuries but it wouldn't be radically different. I'd also have accounts at a second bank

I was let go from my Mega-corp job at 44, took a year off, then got a job for the health insurance. Last year I started looking into retirement hoping I could retire at 62. I soon realized that if I included all my goals I still got over 90% success in any retirement calculator I looked at. Did...

We paid $126 + tax for 6-7' Noble fir in Saratoga, CA

Our youngest just started middle school so I've got some time before we can have as much fun as you are but in about 6.5 years we'll be done and can really start enjoying life.

Milestones reached this year Achieved and maintained $7M Now within 10% of targets for AA Saw an eclipse with my wife and kids (flew across the country to see it) Installed rain barrels on the house Replaced 2 gutters (one 60 ft long) Started a compost pile Cleaned the the garage and house...

I think we should expect a win by at least 2 goals. I don't think Jamaica will pose much of a challenge away from home.

I have a long to do list with some big tasks on it (i.e. paint the house, landscape the front and back yard). I still have kids in school so I have some volunteer work to do. So I have been pretty busy. I am still in the honeymoon phase of retirement so emotionally I am quite happy. I'll see...

My wife bought our house in 99 and it has increased 4x in value in 25 years and the property tax has about doubled (partly due to me buying her sister out). In my projections, I have real estate growing at the inflation rate in the future, but I think I am being too optimistic after the growth...

When my neighbor passed away she was paying about $1000/ year in property taxes while we were paying $10k/year and the new neighbors are paying about $22k/year. Of course she didn't have kids in the schools since the 60s and the new neighbors and us have kids in schools now. Someday we will be...

You should go again. They won two trophies this year. (OK one was the wooden spoon for the worst team in the league). Excited for the Bruce Arena era to begin, but not excited enough to buy season tickets

Assuming that they spend less than $8k/mo. and no serious health issues... I'd like the idea of some 529s for the grandkids and the rest split between stocks and fixed income or split between stocks, fixed income and a REIT with whatever they are comfortable with in stocks (but not more than 75%)

IMHO your expenses are too high to jump with that net worth.