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So you’re saying to copy the data file to the laptop, use that for x months and reload that file to the pc upon returning? Makes sense, I could also just save and back up that file to the cloud through Norton or any of my current cloud services.

We, this coming winter, we will be snowbirding in our new Florida home. As an avid Quicken user for 3 decades, I’m not giving it up. I know I can update simple transactions from the mobile app on the phone or the web app on a pc, but I want all the functionality of the full pc version. Can I...

After years of being cheap and buying knock off or Costco chairs, I finally bought my Herman Miller Aeron and it’s worth every penny. There is a forward tilt feature I didn’t expect to need but if you’re leaning forward and working intently, it takes the pressure off the back of your legs...

Yes backwards. The money you won’t touch for years should be aggressive and you can trade more actively if you wish since you do t have capital gains.

Or you could die and miss much more as many of my friends did before 55. Rich, Broke or Dead? This “calculator” adds the new perspective of just that. How often you die at what age. It makes those pesky 5% failure rates seem inconsequential...

Hmmm missed that. Is that in keeping with the message or contrary to it 🧐

I pulled the trigger last year at 52 with a slightly higher nest egg and lower expenses. Be sure your expenses show the enormous reduction in taxes. If you invest wisely and manage tax loss harvesting, you can be easily less than $10-15k per year in total taxes until you have Soc sec and...

Not really. You’re not making the 3%, you are avoiding paying someone else 3% for all those years. To off set that, you need the same amount as the payoff invested, risk free and returning 3%, which you can’t get now. I’ve have the same struggle. Years ago I borrowed against my mortgage and...

Me too... I’m just starting month 8. Relatively calm, but wondering if going back part time gives me options later. In mid fifties, it will be hard to go back after a few years off. Most importantly, thanks for the rock quote, one of my highs today.

I was just thinking about that for my alcohol stocks

To be fair, I think these events make you realize how comfortable you are with risk. It’s easy to take a quiz and select moderate or aggressive but when you really lose 30% in a few weeks, you really know if you can take emotionally take those drops, especially once retired. I just FIREd less...

The almost good news is my funds were only down 5% today... but the orders submitted at 2:30 EST were never executed. I’m unclear if I have to resubmit them since they were only good for the day... didn’t even think this could happen.

I think I’m going to raise 2 years cash and put my head in the sand for 3 months. Not exactly the first FIRE summer I imagined.

I was going to sell a big position of two High Yield Munis today (ORNYX and NHMAX) to build 2 years of cash and they dropped a few percent recently. I looked at an ETF (HYMB) and another just now to see what to expect today and it looks like they are down 14% today??? Still sell today? I know...

As the OP and recent ER I have debated AA and AA in pretax vs taxable accounts and the bucket strategy and whether the buckets should be aligned specifically to the accessible account t types before age 59. I have several Financial Advisor friends and each one has pretty different advice. As...

I’m at 70% Equities and was about to go to 50% Equities.... do I still do that? At this pace (futures down another 3% before the bell) the market is going to do it for me.

So, I’m not even a year into ER in my early 50s. Things were going great... now this. Even after the drop, my SWR is about 2.8% and lower when kids leave and SS/pension kicks in. I’m good still right? A bad sequence of returns can be absorbed? I’m sure there are many new retirees here who...

I'm in the same boat... less than a year into ER in my early 50's. I am less than 3% SWR right now (before any SS or pension) so I am trying to convince myself I'll be ok but I still have almost 70% in equities as of today. Hard to sell now, but tempted to reallocate to 50%... holding strategy...

Staying the course and making a list of buy opportunities to keep my mind positively focused.

My winter water bill went up in Nov Dec until I found a bad flapper in the Bessemer toilet was staying open half the time. Fixed that now all is well.

interesting... also 50% of our budget

Like most programs... just play around, look at every menu option, see if I want to use it, search hard questions when they arise. I am sure there is a wealth of knowledge available to help or this site.

Same file from 1993. I back up a file to local and external drives almost every month or after a lot of work (moving brokers). Runs great.

Best wishes on a speedy recovery.