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So I didn't pay enough attention and will have much more income in TY2023 than I've reported in all my years of being FIREd. Combination of doing too much traditional to ROTH 401k conversion and selling stock late in the year, with bigger gain than anticipated. I've been putting excess cash...

LBMY, after making a mistake in her 20s, hopes to hit $1 million soon. So a FIRE milestone but not aiming to RE. Shows her budget in September. Pays cash whenever she can. Read in CNBC: https://apple.news/A0zdNDjyTTuqq34CdRwf3gQ

Just got notice that they're going to migrate back office functions as well as assets to Morgan Stanley, though we will continue to access accounts through the eTrade sites and apps. That makes me wary. Though I don't do many trades these days, you have to wonder about commissions and...

My annual premium is up 25.7%, SF. Bay Area. I Googled, there are several stories about 8.4% increase on average across the nation. Ridiculous, I haven't submitted a claim in over 2 decades, no points on my record either. And I think I have it set to low mileage on the vehicle but I probably...

Got this email. This is my mother's tIRA. I've manually had this account disburse RMDs in previous years. I hope this doesn't mean someone or something triggered an RMD distribution. I assume this is just notifying that they've already calculated the RMD for this year? Never saw this...

Has anyone done withdrawals or considered doing withdrawals between age 59 1/2 and age 72 when you have to do RMDs? Talking about both traditional and ROTH IRA and 401K accounts. Seems the popular thing to do is ROTH conversions, paying lower taxes in their 60s to convert and then withdraw...

Never heard of this but it's a rough approximation or starting point for thinking about how much to save for retirement...

That's what I heard someone say earlier this morning. He said in fact it could be the biggest since 1973 or something. Market finished up much higher than when he was citing this info. Short squeeze in bear market or could it be turning a bit? Earlier this week they said Canada's central...

A couple retires with $2.2 million in assets. But they move abroad, settle for a time in Portugal. So moving for lower COL is not really FIRE? https://www.cnbc.com/2022/10/06/grant-sabatier-reacts-to-couple-retired-in-portugal-with-2point2-million-dollars.html I've only visited Portugal...

I have holdings in VCADX and VWIUX, have had them for years. Combined, they produce about $1300-1600 a month in dividends and I've been reinvesting them. My AA is about 74/23 and the rest in cash. I kept reinvesting because they were mainstays in my fixed allocation. Maybe the wrong ones but...

I'm tracking some flights for next year. Some better fares compared to this year, at least in international business class. Of course you'd have to book 7-11 months out to lock in some of those prices. Some airlines got rid of change fees. But I doubt they will be issuing outright refunds...

https://fortune.com/2022/06/23/most-livable-cities-economist-vienna-copenhagen-zurich/ No American city in the top 10, but 3 Canadian cities. So this is probably not for retirees, who probably don't care as much about education. Also not too focused on places with the best weather or weather...

I tried QLP a couple of times before they went subscription. I subscribed at the start of the year mostly using the Mac version. I subscribed at the Quicken Deluxe level. So I tried installing the Windows version and importing a QTX file from my Mac Quicken file. It screwed it up badly, got...

Some reporting suggested that people were retiring early or just not going back to their jobs when pandemic restrictions lifted. There was supposedly a noticeable update in early retirements. Well some of it has reversed and according to this Twitter thread, it wasn't so much people retiring...

Read in USA TODAY: https://apple.news/AsjPNNGPFQ8mBRGxMUXsPlg Don't know anything about the nursing home market. But this company operates nursing homes in IN, MI, KY and OH.

We have a long thread on EVs but curious to see what the sentiment is overall.

According to this opinion writer,, a Harvard-trained economist. https://www.cnbc.com/2022/02/01/why-early-retirement-is-one-of-the-worst-money-mistakes-youll-regret-says-harvard-economist.html Obviously he's talking most about people who haven't planned to be FI before FIRE-ing. He does cite...

https://www.washingtonpost.com/business/2021/11/01/latest-twist-great-resignation-retiring-delaying-social-security/ Some seniors are flush with cash from stimulus and unemployment benefits. They also saw expenses plummet when they didn't go into the office for work. Many have also seen their...

I'm coming up on 7 years since FIRE. My spending rate has been flat. I'm not talking flat percentage, but flat sum. Meanwhile the value of assets are up over 80%, not even adding up the money I've withdrawn. Or more accurately, I've mostly lived off dividends and the savings I had 7 years...

So it should all even out, you sell before the distributions, the NAV should be higher but if you wait until after you collect the distributions, the NAV would be lower, assuming the market is mostly steady? December has the biggest distributions so maybe you miss out by selling early but OTOH...

Just realized I'm just over the age for withdrawing from IRA and 401k. After 5 years of ER, I'm spending well under 2% of my assets a year but that represents around double what I was spending 5-6 years ago. I don't need to withdraw anything. There aren't any toys or other splurges I haven't...

According to the NY Times, CDC has notified all the states to be ready to start vaccinations by early November. May not be the general population but rather high-priority groups like health care workers and vulnerable elderly people at first. Assuming the Phase 3 trials go well, vaccination of...

https://www.npr.org/sections/goatsandsoda/2020/06/23/864536258/we-still-dont-fully-understand-the-label-asymptomatic Not sure how you can have lung scarring or impairment without say coughing or reduced blood oxygen, unless people are dismissing mild or difficult to see symptoms. Of course...

First two I get. The third one, showrooms are pretty large spaces, not too crowded are they? Maybe they had to sit down at those cubicles for over an hour hammering out deals? Otherwise, you're outside looking at different cards on the lot?

Think long and hard about committing to LTC and other nursing home facilities. In many places, a huge percentage of deaths are from these facilities. They take a ton of money but they can't protect their customers. In fact, doesn't it financially benefit some of these businesses if the people...