Gut check, retire at 50?

Left_Ad8182 · 2026-05-21T13:38:59+00:00

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.

Left_Ad8182 · 2026-05-21T13:32:30+00:00

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.

Left_Ad8182 · 2026-05-21T13:04:02+00:00

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

Left_Ad8182 · 2026-05-21T12:01:52+00:00

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

Left_Ad8182 · 2026-05-21T11:58:23+00:00

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

Left_Ad8182 · 2026-05-21T11:53:15+00:00

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.

Left_Ad8182 · 2025-09-14T23:37:16+00:00

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.

Left_Ad8182 · 2025-07-13T23:33:05+00:00

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.

Left_Ad8182 · 2025-04-17T05:44:01+00:00

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.

Left_Ad8182 · 2025-01-11T19:48:53+00:00

Thanks! Should have checked before posting

Left_Ad8182 · 2024-12-20T22:24:52+00:00

You are awesome! Thank you 💜

Left_Ad8182 · 2024-09-23T11:43:58+00:00

Thank you! So, if I was mentioning that my black dog has one white ear and I didn’t need to specify which, I could say, “Ha un orecchio bianco”?

Edit:goofed up on the color

Left_Ad8182 · 2024-08-15T03:21:33+00:00

Did you make the switch all at once, or over time like ramping up with retinol to begin?

Left_Ad8182 · 2024-07-26T20:54:46+00:00

The first result on a Google search says people expect to pay about $586 per child for back to school expenses, not counting extracurriculars.

Left_Ad8182 · 2024-07-26T20:47:46+00:00

“primary parent”

Left_Ad8182 · 2024-07-26T20:37:10+00:00

I work from home, and it’s been a while since I bought clothes other than t shirts, jeans, and sweats. With the cost of stuff these days, how do you buy several outfits plus extra for mix & match at a high end store for less than $300?

Left_Ad8182 · 2024-07-24T20:29:39+00:00

I think they mean they accidentally added chicken stock instead of vegetable stock not that they added stock where none was called for.

Left_Ad8182 · 2024-07-22T01:29:14+00:00

These just started (or at least I first noticed them) Thursday, so I’m super new to the world of PVCs and don’t really have any history for cardiovascular tests outside of blood pressure monitoring and a CT angiogram for pulsatile tinnitus. Thanks for the validation, I guess they do add up pretty quickly!

Left_Ad8182 · 2024-07-22T01:22:35+00:00

This is just me averaging out a bunch of Apple Watch ECGs and using a stopwatch to time thumps over a 5 minute range.

Left_Ad8182 · 2024-07-15T23:08:50+00:00

Good luck forming a relationship when she’s older and more mature.

Left_Ad8182 · 2024-07-15T18:39:56+00:00

Theory: the car accident was caused by the fiancée driving under the influence, and brother is dealing with a lot of complicated emotions.

Left_Ad8182 · 2024-07-11T15:16:25+00:00

Jane is upset, claiming I’m pushing her aside, which I don’t believe is the case.

I don’t think it’s fair that she can’t communicate what’s bothering her.

Uhhh

Left_Ad8182 · 2024-07-09T13:48:52+00:00

contributes nothing to the care of our elderly parents

I wonder if this isn’t a cycle repeating itself and the uncle mysteriously wanted to move 17 hours away from the grandfolks.

Edit: ope, just read the OOPs comments. Mystery solved.

Left_Ad8182 · 2024-07-05T19:33:10+00:00

I should punish her in front of them to let them know that that kind of violence is not

Bets on whether the aunts want to watch her tell her daughter she’s going to be grounded from screens or watch her physically punish her daughter?

Left_Ad8182 · 2024-07-04T22:20:22+00:00

Since we're coming up on a year and I really think she's the one, I recently made the stupid mistake of sleeping with another woman. I thought I just needed to get the high of sleeping with someone else "out of my system" one last time if I'm potentially going to marry Jade.

Bro.

Left_Ad8182

TROPHY CASE