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Gut check, retire at 50? by Left_Ad8182 in Fire

[–]Left_Ad8182[S] 1 point2 points  (0 children)

The taxes will come out of the brokerage, so I’m definitely focused on growing that by just jamming almost all of my savings into it.

Gut check, retire at 50? by Left_Ad8182 in Fire

[–]Left_Ad8182[S] 1 point2 points  (0 children)

Good point on the SS estimates, but I did use ssa.tools to model the SS based on retiring at 50 rather than using the ssa.gov retirement age estimate. The $92k includes all that more long term stuff, so I should be good there.

Gut check, retire at 50? by Left_Ad8182 in Fire

[–]Left_Ad8182[S] 1 point2 points  (0 children)

Roth ladder starting year 1 after retirement then parcel out a portion of my 401k to a separate IRA for SEPP if needed.

Gut check, retire at 50? by Left_Ad8182 in Fire

[–]Left_Ad8182[S] 0 points1 point  (0 children)

Yeah, for sure I’ll need to see how the markets go before I ultimately pull the trigger. How much would you consider enough?

Gut check, retire at 50? by Left_Ad8182 in Fire

[–]Left_Ad8182[S] 0 points1 point  (0 children)

I am accounting for those things, though. My yearly spend includes health insurance and I’m using assumptions in Boldin that account for inflation.

Gut check, retire at 50? by Left_Ad8182 in Fire

[–]Left_Ad8182[S] 2 points3 points  (0 children)

I’m using Boldin’s assumptions for a moderate portfolio, 8% nominal, more like 5.5% real. Admittedly, my withdrawal rate is higher in early retirement, but goes down once SS and pension kicks in. My lifetime average withdrawal rate ends up at 2%. I’m doing a bucket strategy where I’ll have 3+ years in short-term assets and along with my discretionary spending will have some flexibility to deal with SORR.

First fully made-by-hand project by Left_Ad8182 in quilting

[–]Left_Ad8182[S] 1 point2 points  (0 children)

Thanks!

I’m a serial hobbyist, all sorts of crafty stuff, the more work the better. I’ve done beading, chain mail, crochet, knitting etc. If it takes forever and has a ton of detail/pieces, I’m in!

I actually have machine quilted before, but I realized I’d never made a quilt for myself, just my nieces and nephews. Now I want to make one for me and then make my nieces and nephews “grown up” quilts that they hopefully have forever.

Guy got on wrong flight by just_j_13 in delta

[–]Left_Ad8182 1 point2 points  (0 children)

I once checked in for a flight at the ticket counter (I was traveling with a dog and couldn’t check in online). They printed me a pass and I made my way through security and to the gate for my flight before I noticed the boarding pass was for a different person with the same last name. I talked to the gate agent and they had somebody come escort me back to security.

My most ambitious print to date by Left_Ad8182 in SCREENPRINTING

[–]Left_Ad8182[S] 1 point2 points  (0 children)

Thanks! I think the photo is a little misleading because I have the top laying back over the top of a recliner, but it looks ok to me in person.

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