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Hi - not trying to derail the thread, but I'm confused with this and with the person who said they went negative with a divorce. Not trying to pry, so it's okay if you say that it's none of my business - but I'm genuinely curious how a divorce could cost 80% of net worth, when I would think...

We upgraded our theater room this year with a new Epson 5030ub projector and 128" screen. It projects in 3d, and while I was excited about that feature it really hasn't been that exciting. 3D has so much potential but just isn't that interesting in the end, right now. Having said that, the...

My favorite part of this one was that you got me to look up Bertie Smalls, which wikipedia describes as Britain's first 'supergrass'. So - of course, my response was "Hey Google, what's a supergrass in British Slang?"

I'm aiming for '29 at 59.5, but perhaps I'll set 2031 as the goal and be pleasantly surprised by an earlier date. I have a goal of $4M, currently much lower at $1.5M. Mortgage should be paid off by retirement, but still expect more like $15k/month expenses in retirement. Is there anything...

As long as it isn't a Rush year!!

I'll go 4991, with a Santa Claus rally that takes us over 5000 until a late pull back. ;)

Thanks for the advice, I am hearing you and others! I will play around with some more conservative returns over holiday break and see what it looks like. ;)

HA! Thanks - I like how you think!

Okay - will play around and drop the expectations a bit. I suppose the last 2 years have made me forget a bit about the down years :). Besides - always better to be where we are now - a few hundred thousand AHEAD of plan rather than the opposite! As for the DW and spending, I have struggled...

All good points, although I'm surprised to hear you think my market return expectations are overly optimistic. The model I'm using shows returns of ~8-12% during that time, which could be high or low. If the next 7 years are all negative returns, then I will either continue working or live on...

Thank you! Great to know there are others who are making the dividend strategy work, I may bother you from time to time if you don't mind as I build out my final plan! :)

Okay, thanks for the advice!

I am actually not trying to beat the market, I am looking for a diversified enough portfolio that I track the market but get a strong yield. I picked the portfolio back in Sept of '20 with the intent of watching it for the next 7 years in real time. So- does it work in good times and down...

Got it - so would you recommend I build the taxable accounts first rather than do the conversion now?? My plan expects for some bonuses that could lead to more growth in the taxable accounts, but of course nothing is certain until I actually RECEIVE the bonuses! ;0)

Thanks for the input and thoughts! My current total comp is in the low to mid $400k (next year and beyond, as I mentioned next year is my first big payout from the stock - this year was more like $320k). My plan plans for modest returns in the market plus a savings rate of between 25 and 50%...

Actually - I'll just go ahead and put it in here. Mods - if this isn't the right place for this, I apologize - please let me know and I will move. The theory is to get high yield options from 5 areas: 30% in bellwethers for some security 20% in REITs 20% in Business Dev Companies (BDC) 15% in...

Thank you for the welcome and kind words!!

Thank you again for the good feedback! The plan/hope is to get both, 12% return PLUS 6% dividend. So far, my 'mock' portfolio has been able to do that, but I do know that it is easier in a mock portfolio that actual. If interested, I can show the stocks in the mock portfolio... 20 stocks at...

Hi, I have been reading for some time, but decided to dive in with a question about Roth conversions. So - I thought it was time to give some info, and say hi! My DW and I are both 52, married 23 years now and I plan to retire in a 7 years. I work at a MC in the pharma industry and while my...

Thanks RunningBum - SUPER helpful. First, thanks for the correction on the income component. Next - really great to understand the 12% vs other brackets, it's all coming together now ;)! My early calculations (very early, I know) are that I may have overestimated taxes this year and could be...

Hi all - so sorry for the basic question, and I'm sure it's somewhere on this site, but struggling to find it so I was hoping I could ask directly here. Previous lurker, first post, so please be gentle. :) When you all talk about doing a conversion to the 'top of the 24% bracket', for example...