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I'm just impressed OP is 46yo, is mortgage free and ready to retire in 5-8 years without ever investing in mutual funds/stocks. If he's make it this far and can retire without investing in the stock market, what's the case for him to start now? He already said his wife and him are risk-averse...

Very nice! Who did you use for the COVID testing and how much was it if you don't mind me asking?

I've lived in both Kaneohe and Honolulu too for many years. Both are great places to live but I would rather live in town right now vs Kaneohe also. That might change in 20 years when I get older.

I can't answer your question but you might want to check out Our Rich Journey on Youtube. It's a family that retired early and moved to Portugal and they have quite a few videos on Portugal and buying a house. It might give you a little more info so you can come up with your own answer.

You're right. That's what I needed too. A dose of reality. Things have been going so well for the last 10+ years, it's natural to feel a little apprehension for the future.

Is that a common assumption that portfolios double in 10 years? I had that same assumption and have no idea why I had it. That's why I'm hoping to hear how others have done on their journey to ER.

Long-time lurker. I know there's been threads about this but just curious how long it took everyone to get to milestones along the way. 1 million? 2 million? then 3 million? then 4 million? and more? Looking at my finances, I hit 1/2 million savings in 3Q 2010 (10+ years) and then a million...