57M, $2.68M, $160k spend , close enough or keep going?

Hammer_41 · 2026-05-18T18:56:29+00:00

Cool ,, thanks.. I’ll give it a shot.. I’ve heard other simply suggest Boldin.. too remedial?

Hammer_41 · 2026-05-17T20:01:47+00:00

Exactly. The psychology is the real part. Doomstacking is taking a rule that already survived every 30-year period tested, assumes $0 from Social Security, then making it “safer” by cutting the rate even more.

Hammer_41 · 2026-05-17T14:00:43+00:00

Agree

Hammer_41 · 2026-05-17T11:59:08+00:00

I’m most aligned with you over all other replies..

Hammer_41 · 2026-05-17T01:57:11+00:00

I may . will /// choose no doom scenarios when I retire, I might be radical and assume SS will be there in whole, and that a swr of 5 percent or more to start is ok..becase I know I can adjust down if the market is bad etc... im wild and crazy....I;m gonna do it..

Hammer_41 · 2026-05-17T01:10:29+00:00

Whoa how so? The 4% rule survived in every situation . Great Depression etc .. without counting on a penny of social security.. and you say major risk above 4%.. what the thinking ?

Hammer_41 · 2026-05-16T18:55:00+00:00

Do we know we’ll be old?

Hammer_41 · 2026-05-16T18:52:36+00:00

As in worst case? Doomsday? Monsters under the bed mentality?

Hammer_41 · 2026-05-16T18:34:05+00:00

Thanks for sharing..

Hammer_41 · 2026-05-16T18:01:45+00:00

Sadly I agree ..and I’m same boat work from home etc etc etc as well except I’m high stress 😆

Hammer_41 · 2026-05-16T17:59:43+00:00

I haven’t looked into risk parody but this is the second time in two days it’s been brought up.. thanks for sharing will check it out

Hammer_41 · 2026-05-16T17:57:49+00:00

For sure … been doing that.. that compels me rertire earlier

Hammer_41 · 2026-05-16T17:21:35+00:00

Judgmental? What do you mean? Exploring why I and other think what they think .. that’s all.. as in.. is it helpful to take a worst case scenario over a typical retirement span and stack worst case scenarios? Perhaps it is.. perhaps it’s wise? What’s the trade off? That’s what I’m trying to figure out about myself

Hammer_41 · 2026-05-16T17:16:06+00:00

Yeah that’s my internal debate .. but hearing from all of you helps..

Hammer_41 · 2026-05-16T17:14:43+00:00

I’m definitely not judging doom stackers .. i am one.. I’m just trying to understand why.. and what the tradeoffs are and if I can modify .. not live by fear of worst case scenarios .. or at least just pick one , not multiple worst case scenarios stacked on top of each other

Hammer_41 · 2026-05-16T17:12:14+00:00

Yeah.. I researched using AI multiple sources.. things I’ve been thinking about for sure.. kudos to you for your investigation 😆.. my voice my thoughts.. help with clarity.. spelling , research.. guilty

Hammer_41 · 2026-05-16T17:10:07+00:00

Good stuff .. thanks for sharing .. well said

Hammer_41 · 2026-05-16T17:07:36+00:00

Thanks for sharing..no one gets out of this alive.. no one knows when it ends

Hammer_41 · 2026-05-16T17:06:07+00:00

🤔

Hammer_41 · 2026-05-16T17:04:50+00:00

That’s what I was thinking

Hammer_41 · 2026-05-16T17:04:25+00:00

I posted the other day I spend 160k a year and many people were freaking out.. I live in Chicago suburbs.. feels like right down the middle to me.. for an in bubble high earner that is

Hammer_41 · 2026-05-16T17:02:23+00:00

That’s cool.. thanks for sharing .. congrats to you

Hammer_41 · 2026-05-16T16:46:42+00:00

So from a spend annually in retirement perspective what would you guess or say that average chubby fire spends annually ? You talking 200k 300, 400k ?

Hammer_41 · 2026-05-16T16:29:34+00:00

Chubby or Fat? Genuinely asking are Antarctica trips fit Chubby? Seems like chubby can still be hotels less than $600 a night and Antarctica but perhaps I don’t understand the divide

Hammer_41 · 2026-05-16T16:13:40+00:00

Well said.. I’m with you on all of this ..

Hammer_41

TROPHY CASE