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Hi there, I am not (yet!) retired, but actively planning to. We fully paid the mortgage on our house (:dance:), and should have (hopefully) decent money for retirement through various types of securities and related (safe!) withdrawals. My wife will keep working longer though. In the first...

Firecalc allows to choose a portfolio mixing various asset classes (e.g. S&P 500, government LT bonds, corporate bonds, small cap, small/large value, etc). This means that there is an underlying database of returns on those various asset classes, which has been backtracked to 1927, either...

First off, many many thanks for an amazing tool. This is proving crucial to my own decision-making, and I cannot thank enough whoever worked so hard in creating such a great tool. Now I have a suggestion. On this thread, we're discussing what we dubbed the Guyton/Klinger withdrawal model, where...

I am pondering about spending a few bucks for a membership, at least to try it out for a year. AAII: The American Association of Individual Investors Anybody being a member? Useful/not-so-useful experience? PS. I stumbled on AAII by looking for more literature from Jonathan Guyton. If you...

Hi there, I'm sure my questions will sound rather basic to some, but between the fact that we're expats and still learning to be Americans (now 15 years in the US), the fact that the school system (as an employer) is somewhat new to us, and the fact that we're facing some admins who seem...

I know this is probably a dumb question, but being pre-retirement, I am not used to think along those lines... Let's take a family of two, semi-retired in their early 50s. With an ACA 'cliff' threshold of roughly $60k. - Say they work part-time, enjoying semi-retirement, and making $20k a year...

Firecalc is a fantastic tool, but I fail to understand how to model an early semi-retirement situation... ??? I plan to retire in 2015, I'll be 53 by then. I plan to work part-time for a given duration (say 5 years for the sake of argument), and make a given income thanks to that. Then I'll...

Hi there, Just about time I discovered this forum... As I have been planning to semi (well, mostly!) retire pretty soon, probably with a transition period in 2014, that might extend early 2015, and then YES, MISSION ACCOMPLISHED! :dance: Well, at least the first stage of the mission! As the...