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Trying to keep calm here. We have saved all our lives and signed a contract to build our retirement home in Florida on Feb 28. Such bad timing. We have put a 32k deposit down on a 380k new build. Delivery is scheduled for Q1 2021. We are reeling from what is happening and trying to keep...

Hi Jerry1, Kudos for trying to make health a priority. Getting and staying fit is a lifestyle that after you get into the rhythm it's becomes just a part of what and who you are. Getting started with a trainer is a great idea. Learn basics of how to work out correctly, safely and get results...

Thanks all for the thoughtful replies, just what I was looking for.

We’re considering relocating to Florida to a newly built house, and are now looking into financing. We’re thinking of pulling about 200k from our portfolio then get a HELOC to pay off the balance for the newly built house, then sell our current home and pay off the HELOC. Are there any good...

Hey that's awesome. I had a PT for a year and I worked out with him 1 a week. Taught me a bunch. I'm 57 re 6/2017 so I get to the gym ~6 days a week. I'm close enough that I ride my hybrid bike there, about 5 miles round trip. There's no reason, unless you have some kind of physical issue...

Since my spouse and I don't have any near term plans that would require significant credit we "froze" our credit in 2016 with all three agencies. So far we have not needed to unfreeze so I'm not certain about how difficult to unfreeze would be, however I do have the Pin required for all of them...

Hey Congrats! Hope your final days are pleasant. You picked a great time of year to call it quits with the summer to look forward to. I too retired in June (28th 2017) and have fond memories of my first summer of freedom. The final days I strived to stay positive, and just be pleasant as I...

Hi -- Enjoyed the story. Hints of Hillbilly Elegy with your Appalachian background.

Wow great thread, I haven't thought about my first computer in years. Had a lot of fun with it and it did launch my IT career. My first was a Radio Shack TRS-80. Had 640k, and dual 5 1/4 floppy drives! This was I think about 1988. Spent countless hours teaching myself basic banging away...

Oh man it's 26 in South Jersey. Brr... Little to chilly to ride my bike ☹️

I've always been pretty active and hope to stay that way 😀 High School track and bball player. Now I'm getting into bodybuilding a bit. I realize at 56 yo I need to keep my expectations in check, but I'm having lots of fun. Workout, bike ride and spend some time on meal prep. Can't believe...

Great thread; I'm four months in and agree with you. I too use the gym in the morning to kind of set some structure. Enjoy it and am actually getting muscular 😁. Not spending much money, have taken a couple trips, abd ride my bike alot. Was concerned about the weather changing but I think...

Just finished Hillbilly Elegy. Very interesting read. Don't want to say too much about it in case you want to read it. Would recommend it, the author has a way of expressing ideas susctintly. Non fiction story discusses upward mobility.

Beautiful! Thanks for sharing the pics. I especially like to pergola. I have a curved paver patio and would luv to figure out how to shade it better. I also like your black aluminum fencing. I'm collecting quotes this week to finally put a fence across the back of my property. I'm using...

Lived together since 93 so we often count that. 24 years. "Officially" married in 2004 13 years.

Wow under 80 ! Ha :-) Great to hear your perspective as we are planning to relocate South.

Hi - -Sounds good! Didn't think about all the folks returning to school and such. Will probably make for more pleasant outdoor times. I do have some nice base layer undies I got last year but never wore them. They will get some use this year :-)

Thks - - Yup I'm looking for stuff to wear. How bout them Phills! I'm from Philly live in NJ now. Looks like the only team we can beat is Atlanta :-)

I’ve had the best summer of my 55 years! My contract ended 6/28 and I have not looked back. I’m probably in the honeymoon phase of ER so it’s still a bit new. I got into a nice flow and have been spending a lot of time outside. I get to ride my bike a lot too these days, I’m a few miles to my...

I haven't made to the the other side yet however it's coming up fast. Personally, I like having some what of a plan, otherwise I wouldn't get much of anything accomplished. It sounds like you are planning a couple multi month trips during your first year of retirement; that may be a little bit...

I understand your issue but if they are playing during daytime hours, I think you just need to accept and forget it. As others mentioned try yo come up with a method to reduce the infiltration of the noise in your space. Growing up, I played a lot of ball outside, but I grew up in the city...

Thanks for the thoughtful replies. I'm at my desk now just hanging out browsing the net. pb4uski - That is the question I need to come to terms with. If I could get a couple days remote it would be more bearable. I must admit I have a slight problem with the income I would forfeit if I...

I was “lucky” enough to find a nice IT consultant position at a non-profit. I knew it was temporary when I accepted it a year ago; the longest I could keep this position was until 3/2018. I was more or less retired for 7 months when this offer came in. It sounded good, was in an exciting...

Great Thread. FI is certainly a empowering feeling, especially related to your career. My spouse and I have been FI for a couple years and are trying to decide when to cut back or entirely stop working. My work colleagues know that I'm more or less FI in that I shared some details with a few...

Congrats. The last month or so at wo*k would probably feel a bit strained. Especially when folks know about it. I always liked the response "I'm gonna do whatever I want" to the question. I'm always so concerned about others in that I don't want to be smug about the ability to retire early...