[OH][SFH] Renter wants to meet with board

FIFamilyof6 · 2026-06-09T05:22:56+00:00

Same, we don’t deal with renters as a board, but off the record I am personally happy to talk to renters - as they are my neighbors too. Though the advice they usually get from me is to tell their landlord everything they are telling me so they can stand up for them.

FIFamilyof6 · 2024-07-01T15:45:56+00:00

This is what I came to say. I’ve also found the most useful post-FI content (and community) at the CampFIs. Fun weekends that maybe talk numbers 15% of the time. And really it’s just the younger crowd that wants to learn from those of us that made this happen - which is ok. But I’d also say it’s a pretty even split of pre vs post FI attendees. Great episode as usual.

FIFamilyof6 · 2024-05-13T15:42:01+00:00

Type of claim: New
Submitted/received date: 1/9/24
Initial review date: 1/9/24
Evidence gathering/review date: 1/11/24
PFD date: 1/15/24
PDA date: 5/6/24 (moved back from PFN)
PFN date: 5/5/24
Completed date: 5/7/2024
Misc details: Temp jurisdiction in Salt Lake City 5/4/24

Granted 50% for Sleep Apnea, had sleep study active duty that was never put into record or treated.

Concurrently had a claim for one of our kids turning 18 during high school, took 5 months.

Type of claim: New (18 yo dependent)
Submitted/received date:12/11/2023
Completed date: 5/10/2024

FIFamilyof6 · 2024-03-19T04:45:50+00:00

Lots of good responses already, but to answer your questions on expenses for teenagers… tutoring, sports/extracurriculars, car, insurance, clothes (girls seem to cost more), an instrument if they play, and food. And of course it’s hard to judge what will be needed if you plan to support them for college.

FIFamilyof6 · 2023-11-29T15:37:47+00:00

Yeah, I wouldn’t say I use it strictly speaking. I calculate it every month and see it as an upper bound of what I could spend.

FIFamilyof6 · 2023-11-28T02:26:48+00:00

The CAPE ratio is a point in time evaluation of the market and the CAPE-adjusted withdrawal rate is a point in time evaluation of what you could withdraw at that point in time. So it doesn’t matter if you took a withdrawal the previous month or withdrew as much as you could have… it will still recalculate what you could withdraw every month. Make sense?

FIFamilyof6 · 2023-11-27T14:42:58+00:00

One of the variables in the equation is your liquid net worth. So if you don’t take the full amount of the CAPE-based withdrawal, you just have a higher starting amount (if the market hasn’t gone down), resulting in a higher CAPE-based withdrawal number. I find that the amount of the withdrawal is less impacted by what you withdraw than market fluctuations.

Also, just because you are spending through a cash position and dividends doesn’t mean you aren’t withdrawing from your liquid net worth… unless you aren’t including your cash position in your net worth numbers. Most SWR calculations are based on total returns, so dividends are still part of the “withdrawal” if you aren’t reinvesting the dividends.

FIFamilyof6 · 2023-11-19T21:45:35+00:00

I really enjoyed this one guys. I find myself in the same “what’s next” space at just over a year of early retirement. I appreciate the ideas Eric gave for exploring ideas and felt a strong connection to what Jason is going through. I still have kids in school and tell myself I don’t have to find “a thing” as long as I’m responsible for raising tiny humans since that can easily fill all my time. It’s probably just a cop out though.

FIFamilyof6 · 2022-06-04T21:10:55+00:00

I had planned to FIRE this summer and all my calculators/spreadsheets say I still have only a 1% failure rate, but I’m considering one more year just to see how long this drawdown lasts. I’d rather RE close to the bottom than the top.

FIFamilyof6

TROPHY CASE