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(Apologies for the rambling post) Once again I seek the wisdom of the Oracles of ER. Odds are high that I will be hanging it up this year. FireCalc green lights my plan with a withdrawal rate that can exceed my expenses by nearly 2:1. Since I’ve made too much this year to do any real tax...

My TD accounts are slated to be assimilated into Schwab sometime during Q3. Not long ago, the company moved our 401Ks to Fidelity. Part of me want to move the TD accounts to Fidelity and have everything in one place for simplicity since I have to learn their system anyway. There are a lot of...

I have an inherited IRA and take in-kind distributions, moving X shares to my taxable account to maintain my position. I cover the taxes through extra withholding from ... that which we dare not speak its name. Is it better to move the shares when the price is: A) down, establishing a lower...

I noticed something odd with the Mint app (iOS). The net worth calculation is off. The aggregate numbers for cash and investments are correct but the sum is off. I looked through the settings to see if perhaps I’d designated an account to be ignored in the calculation but didn’t find...

Found this on Reddit: Will Your Money Last If You Retire Early? Visualizing Longevity Risk - Engaging Data From what I’ve read so far, it crunches the numbers in a similar fashion but includes likelihood of death in the mix. From the website: Probabilities based on historical cycles The...

I'm confident there are some members out there that can educate me in the area of purchasing art. Many thanks in advance. Let's say you found a piece you like and the gallery lists it for $2,500. Is that a firm price or is it more like MRSP on a car? Is trying to negotiate considered...

Smart people of ER, enlighten me on the finer points of moving a 401k. Please point me to previous discussions as appropriate. If I stay at my current employer, I can access my 401k penalty free if I separate from them in the year I turn 55. If I leave before then, I understand my options...

Has anyone here lived in or visited Palmdale? I'm considering a potential relo opportunity and was curious about the area. Wikipedia's page gives a general overview of thing. I'm interested in a first hand, unvarnished account. Good, bad, indifferent. Used to be a nice place and has...

Found this on reddit: http://cdn2.vox-cdn.com/assets/4835154/2014-07-22-4WeeksblockLIFE1.png It show a week by week breakdown of a typical American life with various milestones. I suspect typical ER forum member's would look slight different. I took some soli This is your life....and it's...

Greetings, all! Long time lurker, finally decided to jump in after seeing a post from my hometown. I've enjoyed the insights and info here for some time and I'm getting the itch to pull the plug. Firecalc says I'm close. I can muster 100% if I keep my spending in check. W*rk brings me no...