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I have often marveled at people that have the latest and greatest iPhone (that gets more expensive each "improved" version) but yet seem to be financially challenged in so many other ways. Plus money spent now has a large opportunity cost if invested wisely. The question is, of course, whether...

All - I am helping a family friend get started in investing. She has been hesitant about the stock market overall so I've been doing a lot of education along the way. She opened a regular eTrade account last year and invested some and got a bit comfortable with the whole process. This year we...

DW and I are in early 50’s and I was able to FIRE last year and join her in the small business we own. Our kids are mid-20’s and have good jobs. They know I FIRE’d and we are reasonably “well off” but not the specifics of exactly how much is in the accounts. I am planning on going through the...

I was just checking the ally.com site and it looks like their 11 month "no-penalty" CD is now paying 1.5% for deposits over $25,000. And it looks like the only restriction to avoid an early withdrawal penalty is you have to wait at 6 days after you fund the CD before you can take your money...

I have my accounts at Fidelity and though I manage my own investments they have an advisor that calls once or twice a year to check up on things. I have a fair bit of cash coming into my taxable account right now and he suggested taking advantage of Fidelity's Tax-Managed US Equity Index...

I currently have around $1M in Fidelity in a combination of taxable and tax-deferred accounts. I don't have any issues with Fidelity, I like their website, and have the funds invested in their low-cost index funds, mostly: FSTVX -Fidelity Total Market Index FSIVX -Fidelity International Index...

I got a brochure in the mail a few weeks ago about a two-night course around retirement planning at the local community college. Normally I disregard items like that since my own research plus resources like this forum give me what I think is a solid foundation. Plus I'm generally skeptical - no...

Would love to get the collective wisdom here. As part of FIRE this year, I have some vested stock options that I have to exercise within 90 days of last day of employment or I lose them. The net total will be in the mid/high six figures after taxes - so definitely a "good" problem to have. :)...

I just saw that a new online bank is on the scene - PurePoint Financial (online arm of Union Bank). https://www.purepoint.com It has a couple of nice offerings, including a 12-month CD (1.45% APY, $10k min) and Online Savings (1.25% APY, $10k min). Any thoughts? I wonder if this is the...

This is a follow up to a poll that was conducted 5 years ago. Poll:What are your sources of retirement income? Pensions (especially private sector ones) are becoming more and more rare - but they do seem to be mentioned fairly frequently on this forum. So the question for everyone is: Do...

All - I am making good progress on my FIRE plans. My plan is to w*rk until end of March/Mid April and then "retire" to work in the Small Business my DW and I own. It probably will be a fair bit of w*rk as well, but will be much more flexible and no more working for the "man". I've been...

Hi Market Gurus :) ! I'd love to get your advice. I currently have about $160K sitting in "cash" in my investment portfolio. $130K of it is in a taxable account and $30K of it is in a tax-deferred account. I don't need the money any time soon (>7 years). I've got an overall portfolio...

As I am 50+, I am currently funding my corporate 401K at $2,000 a month to take advantage of the increased contribution limit once you hit 50 ($24,000 annually) I am currently planning on FIRE'ing in April of this year from my corp job (and thus will have contributed only $8,000 by that time at...

Hey gurus - question about international stocks. I am a Boglehead "lazy portfolio" convert and earlier this year got rid of our financial advisor (and the 1% fee) and simplified into the following allocation: 35% US Total Stock Market (FSTVX) 30% International (FSIVX) 30% Bonds (FSITX) 5% Real...

Hi Everyone - Anyone have any experience with UnCruise? DW and I have taken many traditional cruises around Mediterranean, North Sea, Caribbean, and Hawaii (which we enjoyed very much). But for my 50th we wanted to do something a bit different. I've always wanted to see Costa Rica and Panama...

I have been in the tech industry (Bay Area, CA) for the last 25 years and been fortunate enough to be part of a couple of acquisitions/startups. Never as the CEO, but part of the leadership team. I've been targeting 50 as my ER date and I'm now one year away. Our second child is about to...