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Good luck y'all. I walked away from the mating/dating game when when I was 48. I'm 62 now. Life is good. No interest in finding a romantic partner.

Good. It's nice to see some physicians who are clued in. The medical-pharmaceutical-food industrial complex has been under this spell for way too long. Good news that you don't have any appreciable plaque. That's the main way I got my doctor to back off on the "high cholesterol, you must...

Yeah, like I said a page back, many people associate "purpose" with a big, ambitious, service-oriented goal. "Life Purpose," that sort of thing -- something big, imposing and serious, maybe ordained from above. After a lifetime of work and self-sacrifice, that's the last thing they want to...

I'm coming up on 5 years retired, and I'm doing well. But prior to retirement, I read a book called The Retirement Maze, by Pascale and Primavera. It was depressing. So many stories of people struggling in retirement -- not financially, necessarily, but psychologically, socially...

Doesn't seem complicated to me. Seems very simple. (I suppose the verbiage in my post was a little convoluted, but the actual practice is simple.) Yes, I understand that. (To be clear, by "portfolio," I mean stocks/bonds/savings). Yes, I know. I'm not worried about what I'm using the...

Right. I said "annual expenses" to keep the verbiage simple, but a more accurate description would be "the amount I need to withdraw from my investment/savings accounts in order to cover the expenses I still have after my pension covers some of them." I take your point about having a WR of...

I guess people calculate withdrawal rate differently. My overall stash is going up, too, but my WR is around 2%. I must be calculating withdrawal rate differently than you are. I take my average annual expenses, then divide that by the amount I had in my accounts when I retired. The...

Very good. Thanks for the confirmation.

For clarity (OP here), I'm not actually using the 4% rule to determine my withdrawals. I spend what I spend. I just like to know whether I am below the 2% level or not. And in order to know that, I need to know how to "adjust for inflation." It's just a mathematical question, not a...

This may sound like a dumb question, and I think I already know the answer, but I want to check here to make sure. Sometimes I think I "already know the answer," but it turns out I don't. :angel: This part I understand: When you're using the 4% rule, the amount you are allowed to withdraw is...

Dave was very helpful to me 25-30 years ago, when I was 40K in student loan debt and trying to get out from under that. He provided a lot of motivation and good advice. I combined his teaching/motivation with lessons from the voluntary simplicity movement to turn my life around (financially...

God (/s). It's the Protestant work ethic. You demonstrate your spiritual worthiness through hard work. Ramsey is a conservative Christian. I assume all his sub-hosts are, too. Of course, you don't need to be conservative Christian to have imbided the Protestant work ethic. Even if you're...

Just passed the 4 year mark myself. Money hasn't been a problem. Finding things to do hasn't been a problem. Establishing new (deep) social connections has been a bit of a problem. Not falling into hedonistic episodes has been a bit of a problem. But that's ok.

The idea of FIRE is to "work yourself to exhaustion and beyond" and have "no life"? I tuned out at that point. Maybe he should do just 5 minutes of research on a topic before he spouts off about it. nah...

All of those except the first would apply to any age.

Well, it depends. Do I know them? Do I care about them? Do I respect their opinion? Do they know what they're talking about? If so, then yes, I listen. But I spend a lot of time on the internet, on Youtube, sometimes in the comments sections. There are a lot of young people there. If...

Don't just approach it intellectually. Trees are living organisms. They have been around longer than you, in many cases. Trees are beautiful. I have heard the voice of God through trees. I have felt friendship and good will emanating from trees. I used to hug trees sometimes, when I was...

I drift in and out myself. I was very active when approaching retirement and in the couple of years afterwards. I'm four years into retirement now, though, and don't feel the need to talk about retirement any longer. To me, it's not "retirement;" it's just life. Most of the conversation here...

Just to clarify, when I referred to depression and addiction in the nursing profession, I meant among nurses themselves, not among their patients. For instance, I'd estimate that a third of nurses are on an antidepressant. Many have addiction issues. You are certainly right, though, that...

Jeez. I'm surprised by the high counts here. I only have a few: - desktop PC - cell phone - Smart TV Once in a blue moon, I'll plug in my PS5, but I don't use it often.

I spent two months in the hospital, as a patient in ICU, then recovery and physical rehab. I have also worked with a lot of nurses professionally. From my experience as a patient, I'd give the following estimates: 10% were absolutely stellar. I will always remember them; they were heroes...

Dang. I already got one.

I like watching philosophical discussions on Youtube. And reading, of course.

Not sure what's happening in your case, statsman. That sounds like a persistent problem. I have had to repeatedly tell Youtube I don't want to see a particular channel, before it finally gets the message. Sometimes, once is enough; but other times, I've had to say "stop recommending this...

That's right. I do that frequently. I get a follow-up message saying, "Thanks. We'll tune your suggestions" (or something to that effect). It seems to work pretty well.