I've been a regular board reader but I finally decided to join to get some more input on SWR based on the Guyton article (take up to 6.2% with rules).
I was ER'ed involuntarily in early 2002 but I unfortunately wasted most of my time looking for another job. Fear from two kids in college and another about to start colored my thinking. Things wouldn't have ever become desperate but I found "something." I moved through varying improvements in my employment situation (if that isn't an oxymoron).
About two years ago I achieved stability in a boring but secure job. I figured out I was almost able to ER using the 4% SWR. I just needed "a couple of more years."
I took another position recently that pays better and is much more interesting. They also have a policy that allows extensive unpaid time off (within limits) that still allows benefits to continue. That seemed ideal since I could take off 30% of the time and still be making more money.
Unfortunately, the company is busy, busy, busy right now and taking significant UPTO would be considered discourteous to my fellow workers. That only bothers me because everyone has been wonderful to me. I am planning a two week UPTO jaunt to a fishing lodge in Alaska to celebrate my new job so I don't think I'm too bothered.
That's my story. I could probably retire seemlessly in a couple of years with the 4% rule. Using the Guyton model, I could have ERed in 2002. I just need to decide what I want to be when I grow up.
I was ER'ed involuntarily in early 2002 but I unfortunately wasted most of my time looking for another job. Fear from two kids in college and another about to start colored my thinking. Things wouldn't have ever become desperate but I found "something." I moved through varying improvements in my employment situation (if that isn't an oxymoron).
About two years ago I achieved stability in a boring but secure job. I figured out I was almost able to ER using the 4% SWR. I just needed "a couple of more years."
I took another position recently that pays better and is much more interesting. They also have a policy that allows extensive unpaid time off (within limits) that still allows benefits to continue. That seemed ideal since I could take off 30% of the time and still be making more money.
Unfortunately, the company is busy, busy, busy right now and taking significant UPTO would be considered discourteous to my fellow workers. That only bothers me because everyone has been wonderful to me. I am planning a two week UPTO jaunt to a fishing lodge in Alaska to celebrate my new job so I don't think I'm too bothered.
That's my story. I could probably retire seemlessly in a couple of years with the 4% rule. Using the Guyton model, I could have ERed in 2002. I just need to decide what I want to be when I grow up.