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I hightly recomend this pod cast from William Berstein for the current market situation. https://awealthofcommonsense.com/2020/04/words-of-wisdom-from-william-bernstein/

I retired at 50 July 2019 and was able to build a PF 50x my annual expenses in 100% equities and 2x in CD so my AA was around 96/4 but due to the correction my PF is now 40x in equities and 2x in CD. If I withdraw <1.5% per year then will I ever run out of money ? Thanks

I retired about 6 months ago at 50 and now longer have a W-2 income so I am wonderring if there are benefits to enroll in HSA insurance plans. I currently have Kaiser Bronze 60 or the HSA Bronze 60 saves me about $30 per month. I live in California so the contribution to HSA account will be...

I just retired at 50 September 2019 and like to start thinking about Roth conversion for 2020, I will get my first building income rental LLC with partners for about $40,000 in 2020 and will get about $20,000 dividend from taxable accounts. I am married and filed jointly with 1.1M sitting in a...

I was making 120K per year and all of my investments were in 100% equities the last 25 years but I just quit my high stress job at the age of 50 and have about 3mill in all my investment accounts(Rollover IRA, Roth and brokerage account). I have zero debt, 150K cash for emergency fund, I am...

My retirement party was July 4, 2019 at the age of 50 but I promised to finish the project I started and got it done last Friday so today is my first official day of being FIRED. I folded my bed sheet for the first time this morning to surprise my wife :laugh: and tomorrow I will kick start my...

Age 50, I have 3 year expense for emergency, taxable account, Roth & TIRA. If I need to withdraw just 5k per year then: 1. do I take it out of emergency bucket first or taxable account ? 2. If I do take it out of taxable account then do I take it out first then re-balalnce. Thanks Tom

I will be off company payroll after July 4th but and wondering if there is a way to contribute to Roth or 401K if I will not have a W-2. I have income from building rentals and maybe do some consultant work as needed for the company so I will also get a 1099. Thanks Tom

age 50 ready to quit working, employer covers health insurance until the end of July 2019 So I will have to buy health insurance before the beginning of August 2019. I am looking into HSA and wondering if I am able to contribute to HSA with out having a job but do have building rental income of...

I need advice on how to rebalance over all portfolio if I have taxable and tax deferred accounts without paying taxes on gains. Goal is to be 60% in equities and 40% in CD & Bond. I am 50yo and don't have to touch any to these accounts for another 15 years. example for 60/40 AA in combined...

After 24 years of MAXING out my 401K with company matching .20 per $1.00 I finally reached over $1,000,000. I am just curious to see how long it took you guys with 401k to hit 1 million dollars. I think the average is around 21 years if you max out every year.

I planned to be FIRED at 55 but able to reach it earlier at 50 and only got 6 months left. I got about 1.8 million in 401(All aggressive growth M funds) from work and is managed by Edward Jones, I got $225,000 in CD, $60,000 in saving, about $80,000 in building rental per year,$55,000 in Roth...

I am new to index funds and wondering what percentage I should put into each one of these funds. Age 50, I have passive monthly income so I will not need this money for 15 years and I already got two years of emergency money. Fidelity® 500 Index Fund ( FXAIX ) Fidelity® ZERO Total Market Index...

I am 48 and will only work 2 more years with around 5M in assets with ZERO debt. My daughter just graduated from UCLA making around $82,000 with ZERO debt and will participate in the nurse pension program(max out $8,000). She also has a 401K program but the standard of living is so high in West...

WOW! good to be part of the community of ER peeps. Came to this great nation as a refugee in my early 20s with ZERO $, learned the language, went to school, started a family and got a job at 26 and have been working hard and smart the last 20 years, and planning to FIRE in 10 years or at the...