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health is always one of the unknowns, but i have been and will continue to live a healthy (vegan, 1 beer a week) lifestyle with plenty of exercising :) thanks for your feedback

It may take a while to transition to ER if your mind is in your business. It's hard to find that fine balance point.

See if you can move out of Manhattan to reduce your cost after ER.

Try to recover and optimize your health.

Withdraw rates of 2% / yr is what I'm anticipating.

Find a partner in life that shares similar life goals. Many ppl don't know what they want and if that's the case it's just like playing slots. Find the right partner, otherwise ER becomes difficult.

Cost of education could rise faster and eat up the 90k fast. Currency inflation and a melt down of the usd over the next 10-15 years could pose a serious risk to the pension, even if it is index to inflation (b/c the true and index figures never match) It's still probably worth the risk as you...

I think kids cost about 400-500k until they are independant... if you want to give them many opportunities in life. Kids are expensive, but worthwhile.

I think I've been saving approx 68 percent for the past 5 years.

I'm considering Penang, Thailand (bk) and just scratched Bali off the list. There's no ideal place and it's all a matter of compromises. I'm in my early 40's and have an infant child. My reasons for ER is more to spend time with my family and to do some more personal growth and exploration in...

Rodi, Read the entire thread and your thought process of places to live after ER is similar to mine. I too have lived in the Bay Area, Canada and Asia. I'm considering Penang, Thailand (bk) and just scratched Bali off the list. There's no ideal place and it's all a matter of compromises. On...

Does the air quality get really bad in the summers? I've looked at the data and it says the air quality index is poor in the summers when the farmers flash burn grub.

I think you dislike for work does not mean you can semi retire at 38 unless you have a very solid plan. I wouldn't think of semi retiring I just keep working until you accumulate maybe 3 or 4,000,000 dollars. Retirement is balancing your time your health and your resources which means money. I'm...

I've had MB, BMW, Audi, Toyota, Honda, etc.. and there are pros and cons to each. If you really enjoy driving then get an older model (bmw) and drive the hell out of it. If you're just buying it for badge reasons.....there will be a long way to go until your mind is ready for retirement. I...

Thanks for everyone's feedback. It's been of great help. I'm reassessing and reformulating a plan with great redundancy. Happy new years to everyone!

I think saving 40+ percent per year after taxes is a very viable option if you make six figures or more and life a simple life. But there are a lot of variables to consider.... As always. I had the Mercedes, but now I'm happier in the Honda.

I'm 35 now and have worked for about 13 years. Plan to work another 7-8 years. Plan to live till 80-90 if I'm lucky...hahaha. I've been saving approx. 130-150k per year since I started working and have been fortunate enough to have an excellent management postion with a great company. I've...