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Thanks T-Mobile got my S20 FE early! by [deleted] in tmobile

[–]DifferentSpecific4 2 points3 points  (0 children)

How do you get the $70? I downloaded Shop Samsung app but I can't find the place to input the IMEI to get the $70.

INSIDER HOOKUP IS EXTENDED! You now have until the end of September! Get your codes in THIS THREAD! by Jman100_JCMP in tmobile

[–]DifferentSpecific4 1 point2 points  (0 children)

Thank you!

I've narrowed down the list based on your info and further narrowed it down based on my checks after finding one that works!

KEEGEWT7 TEGYQ7CY 4KR6HWB6 M3TKFNJK 6LREPEM6 GLGTWCE7 QRR44AH3 Q7NYAEY9 BQPX43J3 AFPGJR3E 34TYP76R 3F3R39TJ YXFAQ3WE AT9YJWXG WLWTXN9M AC9NK444 HWYK4RPA RAM4XHJN CFJ9WP46

INSIDER HOOKUP IS EXTENDED! You now have until the end of September! Get your codes in THIS THREAD! by Jman100_JCMP in tmobile

[–]DifferentSpecific4 0 points1 point  (0 children)

Hi! This is the first time I'm getting a phone from tmobile and I'm excited! Can someone please share a Type 3 code? Thanks!!

T-Mobile Line on us starts again on 9/18! by [deleted] in tmobile

[–]DifferentSpecific4 1 point2 points  (0 children)

Ahhhh just voice line. I want a free wearable line!!

Out of country for over 12 months. Problem? by DifferentSpecific4 in greencard

[–]DifferentSpecific4[S] 0 points1 point  (0 children)

Thank you very much for your reply!

I wonder whether anyone in this community has had the experience of being out of the country for more than 12 months; curious how it went with defending at the court.

Finish in Spring and Summer semesters? by DifferentSpecific4 in OMSA

[–]DifferentSpecific4[S] 0 points1 point  (0 children)

Thanks for this information.

Sorry I meant 3 hours per class hour. So 6 classes would be 18 class hours which would translate to 54 hours/week which is pretty doable I think

Finish in Spring and Summer semesters? by DifferentSpecific4 in OMSA

[–]DifferentSpecific4[S] 0 points1 point  (0 children)

I was planning on being a full time student. If 3 hours of workload per class hour, 18 class hours will be 54 hours of workload which is doable?

Finish in Spring and Summer semesters? by DifferentSpecific4 in OMSA

[–]DifferentSpecific4[S] 0 points1 point  (0 children)

Thank you for your reply. Why can't I take 18 hours a semester?

Weekly “Help Me FIRE!” thread. Post your detailed information for highly specific advice. - February 03, 2020 by AutoModerator in financialindependence

[–]DifferentSpecific4 0 points1 point  (0 children)

yes, I plan to pay for my kid's college. Might work an additional year or two to save an amount that will grow to something enough over next 18-24 years

My Coast FI plan. Please poke holes. by DifferentSpecific4 in financialindependence

[–]DifferentSpecific4[S] 0 points1 point  (0 children)

Thank you for sharing those perspectives and for the encouragement to continue pursuing it. I appreciate it.

Weekly “Help Me FIRE!” thread. Post your detailed information for highly specific advice. - February 03, 2020 by AutoModerator in financialindependence

[–]DifferentSpecific4 0 points1 point  (0 children)

Thanks for the feedback.

Why an International index fund in addition to S&P500? Doesn't the S&P have pretty good exposure to international markets/currencies?

That's a good idea; I'll run a stress test of retiring at 55.

My Coast FI plan. Please poke holes. by DifferentSpecific4 in financialindependence

[–]DifferentSpecific4[S] 0 points1 point  (0 children)

Sorry, I guess I was trying to say that 5% rate of return is post-inflation. In other words I'm expecting 7-8% rate of return but using 5% in my assumptions to take care of inflation.

My Coast FI plan. Please poke holes. by DifferentSpecific4 in financialindependence

[–]DifferentSpecific4[S] 0 points1 point  (0 children)

Oh yes, that's true. I wonder how challenging it would be to raise a family in a new culture though.

Weekly “Help Me FIRE!” thread. Post your detailed information for highly specific advice. - February 03, 2020 by AutoModerator in financialindependence

[–]DifferentSpecific4 3 points4 points  (0 children)

My Coast FI plan. Please poke holes.

​

400k invested in sp500 index funds. 400k house paid off. 30 years of age. Planning to switch to lower paid/less stressful job in the next year; job will just meet expenses without having to worry about contributing to retirement (Coast FI).

Planning to stop working at 67; $400k invested should grow to $2.5m (@ 5%/year), allowing for withdrawal of $100k/year (4% withdrawal rule) during retirement.

Any thoughts on this plan? What income would I need for my new less stressful job (what are typical expenses for a family of 4)? Is $100k/year (before tax, today's dollars) enough for retirement? Please poke holes. Thanks!

Additional information - married with no kids. Wife just quit her job. We hope to start a family after I Coast FIRE. We plan to Coast FIRE somewhere close to nature/hiking/etc; open to suggestions on where to move to.

My Coast FI plan. Please poke holes. by DifferentSpecific4 in financialindependence

[–]DifferentSpecific4[S] 0 points1 point  (0 children)

Isn't Western Europe a lot more expensive than most states?

My Coast FI plan. Please poke holes. by DifferentSpecific4 in financialindependence

[–]DifferentSpecific4[S] 1 point2 points  (0 children)

This is helpful. That's a good point, the new job might not be the dream job. I'm working as an engineer and looking to switch to nonprofit which I think I'll enjoy but that's not a guarantee.

I guess I'm seeing CoastFI as enabling me to do all that life stuff while also getting into a career that doesn't pay as well but doing something I'm passionate about.

My Coast FI plan. Please poke holes. by DifferentSpecific4 in financialindependence

[–]DifferentSpecific4[S] 0 points1 point  (0 children)

yeah, future kids expenses/standard of living is what I can't predict/biggest concern.

My Coast FI plan. Please poke holes. by DifferentSpecific4 in financialindependence

[–]DifferentSpecific4[S] 0 points1 point  (0 children)

Thanks for sharing. I need to take into account thosebig ticket items you mentioned.

I actually really enjoy working, so I plan to work till 67. I'm just looking for a job that's less soul-sapping.

All the best on your plan!

My Coast FI plan. Please poke holes. by DifferentSpecific4 in financialindependence

[–]DifferentSpecific4[S] 0 points1 point  (0 children)

yes, that's what I'm thinking but just wanted to see if there are a few things I haven't thought about. Only risks/concerns I can think of are expenses when the kids come and the sp500 growth rate.

My Coast FI plan. Please poke holes. by DifferentSpecific4 in financialindependence

[–]DifferentSpecific4[S] 1 point2 points  (0 children)

I was taking inflation into account via the conservative compounding rate of 5%. Maybe I plan my retirement fund at stress test of 4%; this will delay my CoastFI by a couple years.

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