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ObGyn: My experience is what you fear. I FIREd 2.5 years ago at 56. I am very comfortable that all the withdrawal calculations I did before then, and since, are the best I can do. My calculated SWR is 3% for the first 3 years, then 3.5% for 3 years, then 2% until both the wife and I kick the...

I think I see the problem... Dan

Thanks fellows. For taking the time to type enough words that it finally hit me and I think I understand. Dan

I wish I were as optimistic. The part that I am focusing on is: "The 3.8% levy will hit the lesser of (1) their unearned income" It sounds like the $200k or $250k trigger is AGI based, and this new definition of unearned income is not. Perhaps the reporter that created this list of 13 did...

Does anyone know more details on #8? I have seen it twice now, and the wording makes my head hurt. 8. Starting in 2013, a 0.9% Medicare surtax will apply to wages in excess of $200,000 for single taxpayers and over $250,000 for married couples. Also, for the first time ever, a Medicare tax...

Joe's story is my story too. Laid off at 56, Feb 09. I think we are set with spending 3% of the investments per year, but have a 17 year-old that still faces college. Dan

Thank you all for the welcome and well-thought-out advice. Actually, I have been here for perhaps a year. I just find myself reading more than posting - on any board I frequent. Maybe that will change soon when I am not doing the 9 to 5. Al asked for a little more info. Well I think one...

The megacorp told me I am gone as of Feb 23. This is a large layoff, but still secret in the mainstream news. 16,000 to 20,000 they say. This is bittersweet news to me. It was killing me, body, mind, and soul to continue working there. I think I am FI, but not sure since I learned the...

Very very interesting. Thanks to the OP for asking the question. I voted >80%. It will be 86% when everything kicks in, in 8 years. Dan

Wellington claims to have 13.5% foreign holdings. Does that help? Dan

In my most humble opinion to this very pertinent to me thread. firewhen above has it figured out as best as I can figure it out. Let the kid(s) know that within reason (in-state) college help is cyphered for, and if I get laid-off or retired next week, we will still eat. And let them know...

R Wood and OhSoClose: I thank you for the refinements of my understanding. Each family, each situation, may need to use the Gov't calculator if they see a need for quite large bank or CU deposits all insured. Dan

The way I read the NCUA / FDIC documents says that each PERSON, each depositor, is insured up to $100k. No matter how many accounts, and who else is listed on the other accounts. So John and Mary Adams can have a $200k CD fully insured, if that is their only account at the CU. John has $100k...

You made me look. According to the Vanguard site: Year to date (12/28/07) the fund is up 7.88%. One year (11/30/07) the fund is up 8.65%. I don't know which is right, but would like to know. Dan

I have been lurking here, learning and appreciating. But I was moved to register just to participate in this thread. I share the same behavior, the exact same. I am not a psych appreciating kinda guy. But I do totally understand this behavior. Dropping $100 on drinks and dinner is joy. It...