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18.2% ytd 70/30

Hmm I too only hold 4 different vanguard admiral funds and dont see why I would need to do this. I will talk to my guy next week when I do the annual rebalance.

I keep 5% cash. Savings account is my loss leader.

Most IV lost in a dip is 400k

If equities drop enough that my bond AA goes 5% out of range I'll rebalance and buy some more stocks from cash / bond sales. I thought today might be the day to make the appointment for tomorrow, but now seems unsure. ERed in 2013 at age 38 - so far so good.

Now in ER, I find myself mostly wanting to spend time in Japan and can afford to be there quite comfortably. This however is a problem as Japan doesn't have a retirement visa and I do not want to; - Move my investments to their stock market - Marry a Japanese woman - Take on a job in Japan...

I worked out everyday when I was at megacorp - I still do it after FIRED but I dread the ultimate having to slow down some day. Working out and stretching regularly helps keep my joints and range of motion in tact. Diet is good to get straight too.

Interesting, that's specifically where I am and was prepping to approach the universities.

I'm currently obsessed with Biocentric Universe theories.

Maybe I'm a little too OCD about planning, but with my freed up cycles from not focusing on how to stay alive with 8 knives in my back (corp politics) and other money making pursuits, I start to wonder about the universe, purpose and what will come next. I have a long way to go, and work as...

I like.

Congrats to you and thanks for years of hard public service work. :dance:

Happy Anniv Van-Guard23. The family requests for 'loans' is really what I was getting at when I mentioned tales of woe above ^^. They set it up by first subjecting me to a string of stage setting stories or phone calls / emails. I find this particularly infuriating given my previous career and...

Yeah I can't imagine doing it any different and I still hypothetically have many years to go surviving all of them.

I actually just made a thread detailing some of mine in the Life after Fire forum.

How are you class of 2013 cats doing? Things are good here. I moved cross country to a new metro area. In retrospect this was a great idea all things considered except I miss my family who are all far away. It's easy for me to fly and see them with all of my free time but more on that below...

I have a friend who just got a decent portfolio starter balance from a death in the family. What has she done so far? Kept the cash in her checking account. Comments that she wants to buy a Lexus.... :/ I told her to at least put it in savings till she can learn more. She said "I don't have a...

Yeah I may rebalance this quarter : dropping a cash infusion in :)

Makes sense. I only ever had minimal student loans (thankfully I figured out school was worthless to me before I had spent too much - dropped out and went to work), and I have financed a few cars.... Noting now. I have to buy credit when I need it. Or just pay all cash because the thought of...

I don't know much about this topic. Does debt really roll over when a relative dies?

Yeah pretty much normal for January.

OK a bit **** after today hehe.

Pretty much flat using equity / bond indexes with a 70/25 split.

I have been all streaming services since the early 200X years but recently just added cable. Out of my experience with Netflix, Hulu, VUDU, Playstation Network, iTunes store, XBOX video etc.... I say Amazon Prime is the best value. The Amazon prime video selection is now as good as Netflix...

When people talk about Risk Tolerence I can't relate it to how I view and manage. I more think about designing my life to be very flexible - so despite market events I can maximize my chance of relative comfort and budget stability even in a 50% 5 year market downturn etc....manage your...