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Part of me wants to quote the old “Comparison is the thief of joy.” Another part on the other hand read all three pages here (and pulled out the centerfold too!) And the last part wonders why there is such a discrepancy between the first set of data where 1% is over 11 M and the data from...

25% of equities in FTIHX. Shall I pray for him? Yes Janie, pray very hard.

Can’t believe you went with Area Under Discussion (AUD) instead of Assets Under Management (AUM) which has the built in pun!

Gastroenterologist here. Banding is a good option. As with all procedures, pick the person who does a ton of them with the lowest complication rate. The latter is often hidden, a major flaw in modern medicine. Otherwise, don’t strain at BM (same with lifting weights). Agree with not too long on...

It only gives a score if you are not retired.

Whoa! I think the next question should be, “what’s the percentage of engineers on ER??” Seems to be a great correlation going....

Longtime Fidelity user here. I don’t think that Fidelity is using “success rate” in the same way Firecalc does. “Significantly below average”is just the 10th percentile of Monte Carlo outcomes of your initial investments over the time period/length of life you input, with as someone pointed...

My minor concern about Impossible Burger 2.0 is that it uses heme (presumably to give a taste of blood/juice) that is produced by genetically modified yeast. FWIW, I'm a physician and agree that fresh red meat is less likely a harm than processed meats (including "natural" ones that use celery...

I FIREd last year and prior to that tried every available calculator to reassure myself electronically that I was going to be fine. I ultimately ended up loving the Fidelity retirement program the most, with a close second and third being Firecalc and Personal Capital (free version). All of...

Thanks so much for the replies. Good thoughts. I have always tried to by insurance agents’ kids new shoes, but I think I will stop. The ship is on course. I just need to retire to the Lido Deck....

I recently FIRED (3 weeks!) at age 53. Now that I am coming down from the clouds, or at least my bedroom, I am tidying up remaining financial details. I had a high income as a physician and had own-occupation disability insurance that would pay 10k/month (after tax) until age 65 if I was unable...

Is it a Monte Carlo simulator? I thought MCs were using random data production based on a set of parameters, e.g., inflation range of 1-4%. Market return 2-16%, etc. The multiple lines are multiple iterations of those values randomized but no correlation to actual history. I thought FIRECalc is...

October. This is one of the peculiarly dangerous months to speculate in stocks. The others are July, January, September, April, November, May, March, June, December, August, and February.

OldShooter: thanks for your enthusiastic reply. You bring light to the subject that I did not have. Your TIPS argument seems to hold water. I will likely add those in a modest fashion. I don't quite understand why you would get long term bonds in a low rate environment. I'm leaning to...

Oldshooter: I can really tell that you have thought about this for a while and it works for you. I'm with Fido and was a hair's breadth away from getting a 5 year muni ladder recently. Based on the relatively low amount invested (under 5 M!), others warned me of fees of the secondary market as...

Bingybear: good thoughts re: value stocks and using dividends for income. My concern would be in the event of a downturn or black swan. There might not be a dividend and I'd have to hit capital for expenses. How would you manage those events with your current approach?

Street, Cash is obviously a nice comforter, only slightly thinner than bonds currently (but more flexible). Certainly the omens and signs, e.g., CAPE10, would suggest that we need to be prepared for a storm, and cash will help as we hunker down. But good lord, it's hard to not see these as...

Great ideas Grant. Love me some zero taxes. After years of paying nearly 50% tax rates (Oregon is 9.9%), it's an almost devilishly delicious thought of paying next to zero. I plan to use my newfound tax space wisely and convert my 401K to personal IRA and then convert to Roth up to headroom in...

Some sage advice, esp re: the AA! Thanks Foodie.... I am in the 39% bracket for the next 3 years. With respect to DrRoy's point, I would think that either I would buy munis now in the taxable acct and then switch to corporate when I retire or I could do what gcgang suggests and buy now in 401k...

Hi ER community. Truly awesome website! I have been forsaking my NYT sub to read this nightly! My current situation: Age 52. Married, DW not working, DS in University, DD in HS. Live in Oregon. Want to retire at 55 (DD graduates HS) 3.6 million in invested assets, 60/40 taxable/401k. $550k...