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I early retired in January also. Your post is almost exactly what I would say. I was a stock analyst for 27 years and still have a big passion for stocks and investments. ER allowed me to manage my own portfolio instead of for other people which has been alot of fun for me. I love Mondays now!

You would be correct if the government did not cap certain rates and allowed market pricing. But the government does dictate pricing. Why do you think companies are pulling out of obamacare markets or going bankrupt (like evergreen in maryland)? Do you think they are doing that because the...

You are right technically, but in reality my statement is accurate. The gov't is funding the subsidies, but they would have to pay more subsidies if people like me didn't pay the full rate on the 80% premium increase. [mod edit]

My maryland bluecross bronze 6550 ppo is going up from $1600 month to $2700 month for family of 5 (too much investment income for subsidies). Crazy. We are going to have to switch to the BCBS HMO bronze (will be $1700 month now). The maryland site says 90% of people who apply are eligible for...

Me too. Times are changing. I'd rather embrace it and be involved.

I just bought a 2017 Miata GT, soul red and have had alot of fun with it. I have raced spec miata for the last 15 years but have never had a street miata, or a convertible period. I have had 5 vettes (including linginfelter), several porsches (gt3, turbo ruf modified), M3, but find the miata...

CWI and GWL

I have used this and their checking account for a couple of years and have been very happy. I transferred money in. I have not encountered any fees.

jazz, have you looked at the Trowe MDXBX fund for maryland? I own that for most of my bond allocation.

I have been on the forum for several years and want to thank the folks that contribute to the site. I ER'd last week at 48. The information I gathered from the site has been very very helpful and gave me the confidence that I was making (made) the right decision. Now I can spend more time with...

Kids need to pay their own bills after college, period. I think parents that subsidize them are not doing them any favors. My sister is in her early 50s and still is a financial mess because people would bail her out in the past and pay for stuff and she became entitled to expect it.

You have to go to failure (unable to complete last rep in a set) and increase your weights over time to build muscle mass. Doing less will keep your muscles toned and healthy but no muscle mass gains. I laugh when I hear people say "I don't want to lift too much because I don't want to get big...

Just don´t sell when they are down. Good job adding more down. So hard to do when losing money (and likely to lose more near-term) but you will never call the bottom and the market will be 50% or more higher before average investors are comfortable buying stocks again, completely missing the...

I work out with weights 4 or 5 times a week depending on my cycle, but like another person said here, when I hurt my back it is not with the weights, its picking up something light, like a bag, twisting the wrong way or something. Always seems to be the left side, so I probably have something...

I have used Quicken for 10 years, importing credit cards, brokerage and banking accounts. I try to charge everything on the cards to ease tracking, I pay it off every month. Amazon is the toughest, I buy alot there and its time consuming to break it up into the categories since amazon often...

You may want to try out a casper bed (casper.com, internet only no stores). It stopped my back pain. It comes in a box (see their website, pretty neat) and they have a 100 night return policy. They will come to your house to haul it away with no charge, full refund within the first 100 days.

Even though the OP bailed on the marriage, I still think posts like this are useful to help lurkers thinking about the same thing now or in the future (I certainly get ideas and help from posts where I am not participating). I have been married 23 years and we have our many issues but I would...

I am in the exact position as you, 3 kids under 18, 40x, wall street career, about the same age. I made the transition to part time last summer to ease into it. I am the only one in the dept to do this, so it was new for the firm, but worked with my boss and HR to restructure pay and performance...

RacerX, I am the same age and our numbers are very close to each other. I also use Quicken for the past 8 years, tracking expenses in detail. Being a financial-investment analyst, I have studied and projected our expenses in detail, which are higher than yours (3 kids) and am very confident it...

Good call. Two years doing something you really don't want to do would be very painful. Could even cause you health issues, messing up your eventual retirement! If you are financially ready, life is too short, cut out now.

Its my primary card, no issues on the 2% if you pay it off monthly.

AAPL is up only 13% since then, and that will be taxed as ordinary income since short term gain. Sounds like you could have nearly paid it off before you bought AAPL too!

I use Cabonite as well. Works good, unlimited backup storage, but the more you take the slower the backup gets. I think it was about $70 per year.

I like listening to Bloomberg radio on web or Sirusxm. They usually have good discussions. I like reading or listening to both sides, bull and bear case to help me decide what to do.

I am about your age with 3 kids the same age as yours. I went part-time last year and plan on ER very soon since I can financially. If your social circle is tied to your work like a lot of people, and you are excited each morning as you set off to the job, then keep working and hire the domestic...