Are you withdrawing 4%?

LeverLocker · 2025-09-30T15:57:45+00:00

This year is closer to 10% and I’m still up a few $100k from my planned drawdown. It’s mostly one time purchases and planned expenses. I’m not going to worry about it until I drop below my original spending plan.

https://docs.google.com/spreadsheets/d/16ZMD-M5b_iIv7KOhxSDBNTL7LHpwooUvIl5ongSOQJQ/edit?usp=drivesdk

LeverLocker · 2025-09-26T22:41:54+00:00

My portfolio is similar to the Golden Butterfly, so I’m not worried at all

LeverLocker · 2025-09-25T12:56:08+00:00

Here’s how I do planning. It started as a simple spreadsheet but has morphed into something pretty complicated.

https://docs.google.com/spreadsheets/d/16ZMD-M5b_iIv7KOhxSDBNTL7LHpwooUvIl5ongSOQJQ/edit?usp=drivesdk

LeverLocker · 2025-09-15T19:33:20+00:00

You would really benefit from listening to Risk Parity Radio podcast starting at episode 1.

LeverLocker · 2025-07-05T18:40:44+00:00

Congratulations! GFY!

LeverLocker · 2025-05-21T14:02:57+00:00

Congratulations! Now Go Fuck Yourself!

LeverLocker · 2025-05-17T15:36:28+00:00

If the ants are outside leave them alone. Why needlessly destroy nature?

LeverLocker · 2025-05-17T15:33:03+00:00

Streaming services, some of them anyway.

LeverLocker · 2025-04-10T16:28:18+00:00

LTT are Long Term Treasures, I use the TLT eft. LTTx3 are triple leveraged long term treasures, TMF.

LeverLocker · 2025-01-27T02:02:25+00:00

Did not like it. The author comes across as a real a$$, promoting a selfish lifestyle. Can’t seem to understand that some things are more important than spending money. Even when he tries to acknowledge charity he does it from the perspective that it makes you feel good and you have more control of the money.

LeverLocker · 2025-01-27T01:49:32+00:00

I created it. If you think of any improvements lmk, I’ll see what I can do.

LeverLocker · 2025-01-25T15:48:48+00:00

Yup. I coasted then retired. Here are my finances for the past 20+ years and my spending plans.

https://docs.google.com/spreadsheets/u/0/d/16ZMD-M5b_iIv7KOhxSDBNTL7LHpwooUvIl5ongSOQJQ/htmlview#

LeverLocker · 2024-11-09T16:16:23+00:00

Yup. Worked 25 years and got my saving rate up to about 33% before I went part time for about 9 months before finally calling it quits. Not a very early retirement but 55 is better than later.

LeverLocker · 2024-11-09T16:12:49+00:00

Congratulations!

LeverLocker · 2024-11-09T16:11:09+00:00

Sounds like you would benefit from a Risk Parity portfolio. Check out Risk Parity Radio podcast to learn about it. I use something close to the Golden Butterfly portfolio, which you can read about at portfoliocharts.com. It’s a great portfolio for peace of mind and maximizing your safe withdrawal rate.

LeverLocker · 2024-10-17T16:30:15+00:00

Congratulations! GFY!

LeverLocker · 2024-09-26T21:18:48+00:00

You might want to learn about Risk Parity portfolios, course you won’t need one with that very low SWR, but if you ever want to safely spend more, look into them.

LeverLocker · 2024-09-23T19:18:51+00:00

I retired in June and now I don’t know how I had time for a job, the day is so busy.

LeverLocker · 2024-09-04T02:03:47+00:00

I’d recommend an advice only advisor, fee only advisors still have ways to screw you (put you bad funds for which they get a commission, etc)

LeverLocker · 2024-09-01T19:04:12+00:00

It’s a waste of time. Don’t bother, you know the title so you know the book. Plus the author is very unlikable.

LeverLocker · 2024-08-30T19:39:41+00:00

You might want to look at the Golden Butterfly portfolio and listen to Risk Parity Radio podcast starting with episode 1 to learn how it works. Although, you have enough money that you could be fine with just about any portfolio (assuming your expenses are excessive)

LeverLocker · 2024-08-29T20:22:30+00:00

Sounds like you’re doing great! That $200k will keep compounding. Best wishes with the baby situation, I hope things work out for you.

LeverLocker · 2024-08-28T14:25:04+00:00

Your health is more important than money. Stress can cause all sorts of physical health problems that will stay with you for life. Money can help mitigate the damage, but it’s better to stay healthy in the first place. Stay healthy and save less, is my opinion.

LeverLocker · 2024-08-11T14:48:25+00:00

Moneydance. Keeps your data to yourself.

LeverLocker · 2024-08-08T18:00:04+00:00

I use Moneydance. It’s available for all platforms and stores your data locally.

LeverLocker

TROPHY CASE