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Transitioning to RPT (3 days/week) in a few weeks as a first step toward ER. Test case to see how I do with so much "free time". I'm convinced I'll be fine with gym, golf, home-related projects, managing finances, finding creative ways to tire out the dog, etc. DW is less certain. This...

Adding the years for context 2012 2016 2018 2020 2023 2024 Time to slow down the accumulation focus, drop to RPT, and start living

The first million took "forever" - 21-22 years. Second million approximately 4 years. Then roughly three years for the next...and so on... Similar to your assessment, the last million was under 3 years (impacted by negative returns in 2022). Noting that I'm still working and adding...

Up 7.64% for Q1/24. AA 77%/17%/6%.

Not headed to full ER, but I submitted my paperwork to transition to RPT (3 days/week or 24 hrs/week) as an initial move. How fast I head to full ER will likely be determined based on if my bosses bungle the transition to my successor. I've trained this person for the last few years to be...

Proud Gen X'er here. The independent/latch-key generation. Most are also pretty tech savvy since we grew up with its development.

This past week was a nice recovery. As of 11/3 +10.25% YTD with AA of 76/18/6.

Syracuse or Rochester

Some solid recommendations so far. I'll add Village of Skaneateles (some very good restaurants), Ithaca Commons / Cornell University, Treman state park, and there are many breweries in the area with Prison City in Auburn being one of my favorites.

I've let my boss know of my planned exit date of May 2, 2024 (2023 was my OMY). May of 2024 gets us thru our one year with two in college. After that, my sons college is fully funded via his 529. Our planned withdrawal rate would be around 3-3.25% and we'd be retiring at 55. My boss has...

+12.44% YTD. Estimated AA 76/18/6. Below what many on this board are able to achieve, but I'm happy with the numbers. We're up about $600k YTD, but are still down about $200k from our portfolio value at the end of 2021.

I am a fan of remote start, heated seats, and heated steering wheel as I live in a northern climate. That being said, no way I'll sign up for it as a subscription service. Hopefully, there will be a car manufacturer or two who don't get onboard and they will get my business.

Apologies for the shorthand. My 2024 earnings - given incentive comp payment in April - should be enough to hit the SS earnings limit for 2024. This will replace a lower earnings year as I have 35 years working, but my early years were low earnings years.

Targeting early May for retirement (or transition to casual part-time) - noting that I'm required to provide 3 months notice. Reasons as follows - 1. Annual incentive comp distribution takes place in mid to late April 2. Should allow me to accumulate another year of maxed SS 3. Have stock...

+7.42% YTD with AA of 76/18/6. That includes YTD contributions which are offset by pulling out funds for a "new to us" vehicle purchase.

Sadly perhaps, I think I'm punting from 2023 to 2024. Targeting April 2024 to time with annual incentive comp payout. This gets us through the one year (sep 23-may 24) when we'll have two in college, allows us to continue to fill our cash bucket, and perhaps the market will have found its...

Down 15% YTD. AA 77/18/5.

-10.05% YTD on 77/18/5

"Early Retirement Will Bankrupt Your Dreams". Early retirement fear porn with the premise being if you have "average" retirement savings, still have debt, don't have a budget/plan, haven't factored in the risk of a market downturn, etc... that retiring early may not be for you. And the icing...

20.5% effective tax rate.

Set the date as April 28, 2023. Could be earlier by a couple months - but setting the end of April as the latest. Just a bit over 12 mos!

Down 7.4% with 77/19/4 AA

My goal is running 50 miles/month (3-4 mile runs 4x per week, at a minimum). And strength training 5x per week for 20-30 mins.

Congrats! The first million is definitely the toughest!

Just updated our tracking sheet this morning and noted the same - YTD growth of investment accounts at >$1M.