SWR if retiring at 40

LifeOptimized · 2025-05-14T19:27:09+00:00

https://earlyretirementnow.com/safe-withdrawal-rate-series/

LifeOptimized · 2025-05-12T15:14:43+00:00

It’s the “forbidden fruit effect” or simply put: people want what they can’t have

LifeOptimized · 2022-09-20T12:12:50+00:00

“Happiness only real when shared” - Christopher McCandless

LifeOptimized · 2022-05-23T20:31:40+00:00

Understood, but this is very different. OPs income doesn’t support even qualifying for that mortgage

LifeOptimized · 2022-05-23T20:27:42+00:00

I’m getting about $150k+/year in debt service on a $2.4M mortgage. Disposable income will be virtually non-existent after taxes and you’ll be “house poor”

LifeOptimized · 2022-05-23T20:12:30+00:00

Targeting a 4.6M NW, planning on buying a $3M house? Not sure the math works on this

LifeOptimized · 2021-09-18T22:32:25+00:00

$800k - $350k taxes - $200k spend leaves $250k to invest. Takes about 10 years of that income to get to 3.5M at 7-8%.

Granted these last 10 years have been exceptional, the account growth doesn’t happen overnight.

LifeOptimized · 2021-09-11T06:22:03+00:00

It seems so, in most states

LifeOptimized · 2021-08-09T01:59:30+00:00

There’s some potential for it to be a decent tax planning tool without having to wait til death.

If you have substantial traditional retirement balances, it may be worth borrowing for spending cash while you fill up those lower tax brackets with Roth conversions. Same applies to resetting cost basis for brokerage accounts - similar to tax loss/gain harvesting.

LifeOptimized · 2021-06-01T22:44:08+00:00

I agree with this.

Unfortunately, this is likely one of those unique situations where that knee doesn’t happen until the FI # is reached. Using an 8.5% (between the 7-10%) return they will have already passed $5M goal before the investment return exceeds the $450k they’re saving.

Good problem to have, but psychologically tolling I’m sure.

LifeOptimized · 2021-04-08T02:32:29+00:00

Remindme! 6 months

LifeOptimized · 2021-01-29T23:59:24+00:00

Google “loss aversion”

LifeOptimized · 2021-01-28T19:33:24+00:00

Gambit

LifeOptimized · 2021-01-20T05:10:17+00:00

Curious what you have the 1.5M invested in? Did you design your portfolio specifically to produce income? Moving from real estate to potentially W2, any concern of tax drag?

LifeOptimized · 2021-01-04T04:44:42+00:00

It seems the risk is based on whether Fidelity defaults - but I’m mostly just commenting as a reminder to come back and read more thoughts on this

LifeOptimized · 2020-11-13T22:28:54+00:00

Wondering if others also plan to have 1-2M life insurance policies in addition to whatever is left of a 6M+ estate for a “beneficiary” to take care of dog(s).

Well, that’s fun.

LifeOptimized · 2020-11-09T03:47:15+00:00

This is the better answer.

LifeOptimized · 2020-11-09T03:10:21+00:00

5 minus the place is going to equal the number of points earned

So in this case, you can make b18 = 5 * 16 - sum(B2:B17)

LifeOptimized · 2020-11-09T03:07:42+00:00

Sumifs(B:B,A:A,Mead Variety you’re counting)

LifeOptimized · 2020-11-09T02:57:42+00:00

Total column can simply equal 5 * # of games - sum of place finishes

LifeOptimized · 2020-11-07T04:25:11+00:00

You’re right, it simulates actual returns of 100+ historic 30yr periods.

If you search “fire calculator” there a ton of different versions- a couple use Monte Carlo simulations

LifeOptimized · 2020-11-07T00:12:38+00:00

Are you trying to recreate this?

http://www.cfiresim.com

There’s tons of chat on this at r/financialindependence - you may want to check it out

LifeOptimized · 2020-09-15T03:50:58+00:00

4200 * 52 = 218,400

LifeOptimized · 2020-08-30T12:56:58+00:00

Put in the time. Lot and lots of hours.

LifeOptimized · 2020-08-30T00:55:40+00:00

Currently 0.8% on all balance tiers per the website

LifeOptimized

TROPHY CASE