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I know you dislike spreadsheets, but check out I-orp.com which helped guide me some with conversion planning.

I have some Ira $ in VBTLX, so it might be wise to convert to Roth early in the year instead of waiting.

I often see a major confusion: 85% of your Social Security being taxed does NOT mean your Social Security is taxed at 85%. Chew on that.

Time has flown for sure! Class of 2016 here. Hiked ( most of) the Appalachian trail, cycle 5000+ miles a year, and check in to this site less regularly. Really appreciate the wisdom here that helped allow us to enjoy ER.

we have very limited width space in our 2 car garage. Backing my truck in allows me to hug the wall and have more space for the drivers between the vehicles.

I retired 3 years ago at 55 and have withdrawn from my 401k during that time. My company will not allow me to roll my Roth 401k to my Roth it a without moving everything out. Ymmv.

These options look very favorable to me, with a second house. Question for those using video doorbells on a second house: do you pay for internet service or is there some Verizon/Sprint/AT&T hotspot/interface that you use?

This is what I did, and am withdrawing till 59.5 to tame my RMDs.

Yeah this was news to me as I was told by VG rep as I was finishing the transaction. Wondering if I could roll it off to a self directed ira and then exhaust it to avoid the fee. (Sneaky??😀) I am deliberately taking 401k funds so my rmd 's are smaller when I am collecting SS.

My company just imposed a $50 w/d fee. It has been $0 for me for the past 2 years. Retired at 55.

I typically cycle 3 days a week of 50 miles, with an occasional 70-100 thrown in. 2 days a week for an hour at the gym doing upper body and core. This system has kept me at my high school weight, yet eating pretty much anything I want. I recommend to the OP that initially you strive for more...

Oh, that's right it is Monday! Cycled 47 easy miles this morning after enjoying 77 miles yesterday. Retirement is awesome!:dance:

Some observations three months in to retirement: . spend very little time at this forum, and used to live at this site. . Honey do list may take a year or so to complete, but that's OK. . anticipated travel being so awesome, but it can be tiring. . decompression may take longer than I imagined...

We had good results and good experiences with Craigslist for higher value items. Gave a bunch of things to nephews that were moving into their first home - that was really satisfying. (kind of cute as they were fighting over some of our stuff behind our backs! - no, I want the grill, etc.)...

Minor tweak in August: January - Vireo - 1/8/2016, age 60 - robertf57 - 1/22/2016 58 - Ghandi - 1/14/2016 - age 49 - mamadogmamacat - 1/28/16 age 55 - Happily Retired - 1/30/16, age 59. My wife retired a week later on 2/4/16, age 59 - Willers - 1/31/16 - YakGrl - 1/31/16, age 56 - lhamo's DH -...

Total of 34 w*rk hours and counting that remain. Mailed in the signed documents yesterday. Cruising through the week on a nice glide path. Definitely have the shorttimer's disease, but I really don't care! lol

No, not retired Military; IT software development (and it has been getting more and more militaristic lately!) 1 week and 2 days till retirement for me!! -- Not waiting any longer and getting excited. :dance::dance:

I have not had any luck finding any streaming services. What one(s) are you using?

Where did you go backpacking? Would you recommend this location?

Bicycled 46 miles as a recovery ride from yesterday's 66 mile endeavor. Life is good, and 2 weeks and 3 days to retirement!

Including new contributions, up 10.9% with AA of 70/27/3. New contributions have ended for the year, so hoping we can keep these gains.

Nice job at a very young age! I looked back to see when I crossed that mark and see that I hit that in 2010 when I was about 50. I am currently at 1.6MM and retiring at 55 in 3 weeks. Aggressively added funds over the past 5 years, did some downsizing, and enjoyed some pretty nice market runs.

jcretire77 - I had to laugh, as I just changed my password for the last time as well. I figured out that they allowed repetition after 3 new ones, so I cycled through from 1 to 4. Only 20 work days for me (after today), and most of the nightmares have passed for me. I did not see your name in...