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This is the first real market dip I've participated in, I had money invested in 2007-9 but not much skin in the game. I'm fighting the urge to do some market timing, dump some stock now, and buy back later. But, I keep telling myself that rather than fool with that I should play it safe. The...

Looks like it has been covered on ER forum before, but I just listened to a planet money podcast about escheat, which was all news to me: https://www.npr.org/2020/01/24/799345159/episode-967-escheat-show Scary stuff. If you aren't familiar, escheat is the process by which states take...

I'm getting closer to buying our next family home, and selling my current one. I'm still in my working years, ~20 years to go before retirement if the plan goes well. My hope was to save enough cash to pay the down payment from that stash but it's looking like we aren't going to have enough...

buying a house in 1mo-3yr, when should I sell bonds? I'm starting to look for a new house but am taking my time. We want to move to the burbs by the time the kids would enter Kindergarten at the latest, which is three and a half years from now, but would be fine moving sooner too. We are...

3 other families and mine are in the early stages of trying to pool our resources to buy a lot of land that is subdividable, doing the subdivision, and then building houses on the subsequent lots. Ultimately this will let us all live right next to each other, and the pooling of resources should...

I'm looking for suggestions on how to implement sticking to a set budget. Budgeting is simple in concept, but what methods actually work for keeping track of spending of a certain category, maintaining visibility of it, and restricting spending beyond a certain point? I'm thinking of trying to...

Anyone care to chime in on whether or not they see wisdom in the arguments made here: "The Great American Small Cap Scam". Summary: Most small cap index funds track the Russel 2000 The Russell 2000 has very loose criteria for inclusion, unlike the more robust S&P 500 & 600 Investors can see...

I've got a long time before retirement, 20 years according to current plan. When I run firecalc it generally says my plan is good, as does the other popular historical backtesting calculator that shall not be named (the Voldemort calculator?). However when I run things in Fidelity RIP I get...

According to Forbes, the IRS has basically greenlit the backdoor Roth contribution. No reason given why this step transaction is special.

Curious how most 'model' for lack of a better word, their mortgage in firecalc or other retirement calculators, in relation to their minimum withdrawal, or any other not-indefinite expense for that matter (college for kids, healthcare). Let's say you have 10 or 15 more years on the mortgage...

Another top-10 list of best places to retire. This one focusing on foreign countries with low COL. Wondering if anyone on here has visited or even lived in any of these places and can chime in if they agree or not. Are these places that are so inexpensive also safe (there's been discussion of...

Since I've been learning about early retirement I've never seen any article as bad, misleading, inconsistent, generally wrong, and perhaps dangerous as this one. The big takeaways being: none of the tools we have to estimate what you can withdrawal are worth anything any asset allocation...

Hopefully I'm able to articulate my thought here. I've still many years before I can retire, probably a couple decades. As such I run numbers in firecalc and other simulators with 20 years of savings then 40 or so years of retirement. I've also out of curiosity pretended I'm retiring this...

The Doomsday Scenario thread by Mark24609, and specifically the zombie comment by brewer1234 got me thinking. Mark's 'doomsday' scenario was really about a not entirely unheard of market downturn. Not really a doomsday and nothing that the various retirement calculators don't account for. A...

Just got a package in the mail the other day about a a pension my wife has with a former employer. Her account didn't accrue much value during her time there, and as it is below a certain limit we are allowed to distribute the pension as a lump sum now, or as an annuity starting now (which I...

I'm looking at the S&P P/E ratios today and thinking wow, people sure are optimistic about future growth. I'm wondering what people think will be driving GDP growth in the future long-term. I understand much of 2017's gains are likely due to optimism about the effects of lowered corporate and...

Vanguard has several funds with Index in the name that are listed as value funds (ex. VVIAX, VMVAX). How can an index fund be a value fund? My understanding was that index funds didn't try to actively pick certain stocks at certain times and instead just bought the whole market (or market...

Another AA question that possibly has been answered before but I searched and didn't find exactly what I'm asking. I'm talking long term static Asset Allocation, not any market timing, I've yet to find any real reason to put any money into bonds. I get the general theory, that it lowers...

I'm looking at numbers for ER and speculating how ER at age 55 or earlier would work for me, and I realize I need two pots of money, one in standard retirement accts, 401k etc. that are all tax-deferred, but can't be withdrawn before 59.5 yrs, and another pot in taxable accounts to cover me from...

Hi first post here :greetings10:, I've been poking around with firecalc and ******** for a while now and am confused by what I'm seeing in the export of data option from firecalc. When the option is selected form the "Investigate" tab you are presented with a link to a spreadsheet of end of...