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I searched the site and found a few mentions, but not really seeing anyone using them for the 2.57% cash. (May have missed it). Any reviews? Concerns? Thanks!

2019 is our first time being eligible for an HSA and have a question. As I understand it, I can open just one account and fund it for $7K or open two accounts split them however I choose, up to $7K. And I can pay medical expenses for either of us with the one account. We will be funding from...

I have a decision coming up during open enrollment. Old Mega is currently paying 100% of my Cobra thru end of Jan 2019. Then, I have the choice to continue Cobra thru Nov 2019. (18 months after I left). Or, I can go with ACA for all of ‘19. I’ll be on the MAGI cliff. So close that I can’t be...

We split time between these two states and currently TN residents. In the not so distant future, we will lose medical coverage after recently joining the FIRE class of 2018. (I can stay on Cobra thru 2019 if it makes sense) I have done some preliminary research on the available plans, cost...

Before I retired, I probably visited this forum 4 or 5 times a day (a lot of those from w*rk). I was obsessed with it and with FIRE in general. I pulled the plug last month and now I’m probably checking in less than twice a week. It’s not that I don’t have time. It seems more like a goal was...

My plan was to semi-retire within the next 12-24 months. Staying that long was solely a financial based idea to pad the dollars and make the ride a little less stressful . I’m less and less motived by the j*b itself., but the comp and benefits are good. I very recently got the call to HR. A...

I'm sure this is investing 101, but I'm second guessing the way I believe this works. Let's say you open an after tax account and spread the dollars over 4 mutual funds. Three of the funds increase in value. One fund stays flat or has a slight loss. You have never rebalanced or transferred...

Wondering how others treat their tax deferred accounts when calculating their net worth. I think most people would use the entire amount of 401k or trad ira in the NW. But, we know 100% of those funds aren't going to be realized. I've always taken a percentage and added to the liability side to...

I was just thinking that if I got about 12 weeks vacation annually, I wouldn't be so eager to retire. I don't hate my job, boss or company. Comp package is good and I do have some day to day freedom. What I can't do is take multiple weeks off to travel abroad or take a month long RV trip seeing...

I've been considering myself as part of the class of 2018 for a couple years. But recently I'm not so sure I want to last that long. Firecalc says I can go now at 100%. But I'm conservative and I'd really like to stash a bit more away. The situation... Age 47. No kids. Megacorp job with a great...

I have a question that I'm sure has an easy answer, but I'm not seeing it. I understand from other posts that the "spending" estimate assumes pre-tax dollars. But I'm still a little confused on the "portfolio" entry. If I have say...$1M in a 401K or any taxable account and I have $1M in a...

I'd like to hear about your experiences or thoughts on which Caribbean island(s) are best for permenant residence in ER. I'm limiting to Caribbean mostly for easy access back to the states and the tropical lifestyle. Consider healthcare, cost of living, economic stability, laws regarding expats...

What would you consider an acceptable ROI % for a rental property? For example, say I have a potential rental property worth $150K (paid off - no mortgage) and that's about what I have in it, and the rental income is $1250 per month or $15k annually. If I clear about $12k after taxes/misc...

New here and wanted say hello and lay out my situation/plan... 46, married, no kids; want to semi-retire at 50. which to me means doing something productive, just not 50+ hours a week in the office. Current stats: No debt about $3.9M net worth, of that: $900K in two houses (TN and FL) -...