cranberryjoe
Recycles dryer sheets
Kind of a mix of all three.
My five year period was 2009-2013, so just at the start of the financial crisis. I lost a lot of money (on paper) and decided my goal of early retirement at 55 in 2013 was probably unachievable, so I moved my ER goal out to 2016 (age 58), increased my savings rate (while stocks were down - woohoo!) and adjusted my AA to be slightly more conservative so another crisis wouldn't wipe me out again. Fortunately, my investments recovered faster than I expected, so I was able to ER on time at 55 in 2013.
During the early part of that period I was trying for a promotion. Twice during annual reviews my boss admitted that it was his fault for not getting me the assignments or the exposure that would have made the promotion possible. So I slacked off my last 3-4 years since it was clear the promotion would never happen. I did just enough to not lose my job, hanging on until I qualified for early retiree benefits at 55.
My five year period was 2009-2013, so just at the start of the financial crisis. I lost a lot of money (on paper) and decided my goal of early retirement at 55 in 2013 was probably unachievable, so I moved my ER goal out to 2016 (age 58), increased my savings rate (while stocks were down - woohoo!) and adjusted my AA to be slightly more conservative so another crisis wouldn't wipe me out again. Fortunately, my investments recovered faster than I expected, so I was able to ER on time at 55 in 2013.
During the early part of that period I was trying for a promotion. Twice during annual reviews my boss admitted that it was his fault for not getting me the assignments or the exposure that would have made the promotion possible. So I slacked off my last 3-4 years since it was clear the promotion would never happen. I did just enough to not lose my job, hanging on until I qualified for early retiree benefits at 55.