Before I retired I had run the calculators and had a dozen of my own spreadsheets all saying pull the trigger. At that time I still had 2 kids in college and lived in a HCOL area (northern VA). At the end of 2023 I had 39% higher net worth than when I retired. My investments are simple 3 fund (total stock, total bond, total international).
The kids are all now self sufficient. We sold the house and moved to a lower cost area (DW work did that, she has since retired). No mortgage, no car payments. We still live well below our means. I'm getting the urge to splurge but still struggle with actually doing that. I guess I'm asking is this normal? And should I feel "safe" letting the reins loose?
The kids are all now self sufficient. We sold the house and moved to a lower cost area (DW work did that, she has since retired). No mortgage, no car payments. We still live well below our means. I'm getting the urge to splurge but still struggle with actually doing that. I guess I'm asking is this normal? And should I feel "safe" letting the reins loose?