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Unmarried, in a 29 year relationship. We both consider marriage a contract with the government, and so far that contract has not worked out in our favor, so we haven't signed it. Once the marriage contract with the government is favorable to us, we'll sign it. We're both in complete agreement...

I thought about part time, and I'm keeping that option in my mind if I decide I can't take any more of my current j*b. If I do part time, due to my career, it's more likely to be full time for some months followed by off for some months; less than 40 hrs/week is uncommon. I would prefer full...

After lots of research, calculations, adjustments, running various scenarios through Firecalc, Fidelity's calculator, and my own spreadsheet, they all agree that 2015 will work. I had thought it would be sooner until I found this message board, and I applied many pieces of wisdom I found on here...

Ok thanks everyone, I need to think about this some more. Now I'm even further from knowing how in the world to predict the future LOL. Initially when starting this thread I thought my main problem was trying to zero in on whether to assume, say 4%, 5%, or 6% avg returns per year. Now it turns...

Hmm, start with $100. First year 3% loss, second year 9% gain (avg 6% gain): $105.73 First and second years 6% gain: $112.36 First year 9% gain, second year 3% loss: $105.73 Ok I'm surprised here, how did this end up the same? Is something wrong with my math or logic here? I would have...

I'm working on calculating my target RE year. I've read a ton of messages on this board, but of course not all! I've finally gotten my health insurance budget to a point I'm comfortable with, which was the one part of my budget I was having trouble with. So now I'm trying to figure what return...

I'm still working on budgeting for health insurance (and a few other things) before I can find my target FIRE date, but one thing to keep in mind is to include the costs of dental and vision, which are generally not covered by the health insurance policies.

d00042, we're in the same situation - high interest rates on our mortgages, owe more than it would likely appraise for, and don't want to abandon or sell it. I called both lenders, my independent mortgage broker, a big bank I have an account with, and a local credit union I have an account with...

Hi Matt! I'm new on this forum and the same age as you. I also find that health insurance is an expense I'm having trouble budgeting for. I had originally thought around $500-$600/month total, but after reading many things on these forums, I'm working on recalculating this in 5 year blocks...

Hi ER Man, I'm new here too, and had the same concerns about posting my financial info. But, the advice and experience of the people here is very valuable, so I decided to risk it. Don't mention the city you live in, the company you work for, or anything else that someone you know could...

Hi again everyone, I've spent a bunch of time this weekend reading past messages, messing with FIREcalc and Fidelity's tool, and looking some more at my own estimates, taking into consideration the various advice you've all mentioned (thanks!) I don't have a "plan" or date yet, but feel like...

I would only share with my Mom; she is financially minded too, and also has sense about not sharing such info with anyone else. And the only reason I would even share with her is because it would make her so happy. However, as someone above, if someone asked me point blank (seems unlikely), I...

MooreBonds - thanks for taking a look and helping with the tax question. And good gotcha to remind me that I will be paying taxes on the taxable accounts whether I spend the money or not! It's so nice to have found a place with people to "talk" to about this stuff. My goal of course is FIRE...

I'm new here, but have a comment about the boyfriend. It actually can work just fine even if you're financially incompatible. My bf and I have been together over 20 years, we own our home together, and have completely different approaches to finances (if you can call his an approach... :-)...

Thanks for all the comments, more things to think about! I'm definitely going to spend more time with FIREcalc, and revisit the numbers I had been using based on some of these comments. All of this will help me feel less hesitant when the time comes - it's very helpful to have other people's...

The month isn't all that important to me, but I voted for April because: it's my birthday annual bonuses will be paid by then even if there's a delay I won't spend yet another summer freezing in my cubicle while the weather outside is so nice

Hello, I discovered these forums recently and I'm making my way through the many posts - I've already found some great tips, books to read, and things to think about that I hadn't thought of yet. I'm 43 and have been working in my profession career for 19 years. After finishing college and...