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OP indicated having elders to take care of. Sometimes the people we care for have medical and a lifestyle cost that exceeds your own. If that is a significant issue, you might consider having a finance talk with the individuals you are supporting. The first step IMO is to take steps towards...

Lol. You should negotiate a 10% discount with your accountant and tell him not to send you the estimates.

The part I’m just wondering is if this will be a 5-10% or 10%+ event.

Start the day with..... “Be ready to leave at 7am. Empty your bladder before we leave cause we won’t have much time for that.... and make sure you pack a lunch because every minute counts”. Have fun trying to out Type A your new boss. Before you go in for each visit, pass him a red tie and...

When I first listened to her some years ago, I thought she had some decent advice. Over the years she seems to have lost / forgotten her roots... from the Suze Orman debit card fiasco and now this. Perhaps she’s positioning herself to a richer market..... regardless, I think she’s moved from...

71 days and counting....I half expect the first few weeks to run on a vacation mindset.... I’m really not sure what to expect honestly. I unfortunately can’t go into glide mode as I’m currently project based and any personal slacking results in the other members having to pick up the slack...

Having had discussions with other friends on having a SAH Parent, your kids get a different experience vs a childcare child. However I had a friend who didn’t want to go back to work because she felt that after 401K and tax contributions etc, that her income mostly went to childcare (75%+...

Purepoint just upped their savings account rate (10K min) to 2.15%

Here is something I found Source: Interest Rates - Fed Fund Rate, Fed Discount Rate, Prime Rate, CD Rate | Stretch A Dime

I’m just hoping that 80 will be the new 60 by the time I get there.

Mid 7 figures to me is $5M.... For me it all boils down to when you expect to dip into any of the money. Less than 5 years 5-10 years 10+ Years

I’m personally for it! A few here have mentioned in various posts that time > money. Many people I know are single income households. Only you and your DW best know what will bring true happiness to both of you. IMO, the board might be sounding personal concerns that you might/might not have...

Good point... I jokingly mentioned to DW she was welcome to pull the trigger later... but in all seriousness my ER activities and plans include a healthy dose of leisure time with her. Iirc, professors don’t get very much down time between regular semester and summer school etc.

Your emergency funds look good ( 2 years ). So even if the income / job situation changes, it looks like you have 2 years for someone to get back on the treadmill. I think of ER at your age as reversible.. you can always come out of ER in a worst case situation should something dramatic...

Will stick you when I’m done with the fork. I personally break it down to 2 halves. 1st: with pension + SS + other cash/ income, will I have enough for after regular retirement age (when you can access SS and pension etc) . If not, I would 1st work towards that goal. 2nd: if you have...

Lol. Ditto. I’ve gone from 1x per week to realistically 6-10x a year.

Lol. That’s what I tell my kids when we are in bear territory.

Oooo... I never thought of off peaking dining! I typically eat out 1x a week with the family and it on peak Friday night.

Maybe he ran FIRECalc at halftime.

Are you my renovation contractor?

1). 3.25% rule to be safe 2). When packing for a trip, half the number of shirts and pants and double the number of underwear. 3). To prevent frustration, NEVER assume common sense is common

I haven’t gone yet but like imoldernu, I have a detailed spreadsheet that (In my case) Brings me till SS with expected annual balance/run rates. I’m giving myself the flexibility of decreasing my budget if need be Incase of an unplanned catastrophic expense. I am at 100% on the calculator but...

I had a religious moment at 35.... I was fit most of my life till work (the career).. began at 28. Each year added 2-5 lbs. each kid 10 lbs. then at 35 when I had had my blood work done. My HDL was very low and my ratio wasn’t desirable. I looked in the mirror and realized that I had let...