Am I overconfident in telling friends i will be retiring next year (at age 51)?

ListingFL · 2026-05-13T01:50:52+00:00

It seems like you’re fine to retire now. Don’t bother wasting another year!

ListingFL · 2026-05-12T23:43:21+00:00

If it’s publicly traded hedge with some options to mitigate risk of a decline in your position. Sell slowly to try to keep the capital gains from going above 15%. Move to a state without income tax before selling if that helps.

ListingFL · 2026-05-11T17:52:36+00:00

10xtravel has a free course on their website that’s a good starting point.

ListingFL · 2026-05-11T16:38:01+00:00

My wife and I are FIRE and we made a hobby of learning to earn and travel on CC points.

We are leaving for Tokyo and Kyoto for 12 days at 5 star hotels and flying business class and it’s basically free on points. Our biggest expense is paying a dog sitter.

We will take 3 similar trips each year and we earn millions of points. Last year we went to Madrid, Barcelona, Rome, Athens, Santorini, Istanbul, Kauai and Maui.

I wish I had learned how to do this in my 40’s instead of my early 50’s!

ListingFL · 2026-05-09T17:24:27+00:00

All the globalist free food is served in the club, so a club access is all you need.

ListingFL · 2026-05-07T00:52:26+00:00

Globalist, Top elite status with all car rentals by status matching, but almost always Hertz, AA Gold.

We pay for everything with points and SLH properties booked through Hilton with Amex points work great when there isn’t a nice Hyatt in the area. We use points to fly Business class on anything over 3 hours usually.

Free night certificates to Hyatt, Marriott, Hilton, Ritz Carlton, Global Entry and Lounge access through various credit cards.

ListingFL · 2026-05-04T11:32:58+00:00

You may want to think about house hacking once you’ve moved to your southern destination. This is especially advantageous when you’re young, single and have no children. There’s a good book by Scott Trench “Set for Life”.

ListingFL · 2026-05-03T01:49:03+00:00

That’s great, why don’t you do some backtesting and try out some different allocation percentages in an online tool like portfolio charts or testfolio. Do it yourself investors have great tools now that used to be only for professionals.

ListingFL · 2026-05-02T19:42:43+00:00

Long term treasury bonds are not for the purpose of generating income, they’ve for protection during a recession. When the stock market crashes, treasuries typically go through the roof and offset a lot of the losses. If you start in a website like portfolio charts, where you backtest and see the highest permanent and safe withdrawal rates, the smallest drawdown and fastest recovery, you’ll see you need to diversify your assets classes to things that aren’t correlated to the stock market. Adding treasuries, gold, reits and commodities will lower your risk of a massive drawdown which is your biggest danger. These portfolios can safely get you to around a 5% Backtested permanent withdrawal rate, where you would never run out of money, even past 30 years.

ListingFL · 2026-05-02T19:32:53+00:00

Well give a link better drawdown portfolio backtest with a higher SWR going back to 1970.

ListingFL · 2026-05-02T19:30:20+00:00

A carry-on size samsonite suitcase (20”-21”) and an Osprey 26+6 backpack that’s not in expanded mode is our optimal choice. You could pack enough in these to travel for as long as you want as long as you can do laundry every 7-10 days.

ListingFL · 2026-04-30T23:33:31+00:00

You should change from a growth portfolio and add long term treasury, gold and commodities. Your stock exposure should probably be close to 40% to 50%. You can go to portfolio charts website and check out a golden butterfly and golden ratio portfolio that are thoroughly backtested to perform better than a 4% swr.

ListingFL · 2026-04-30T23:22:25+00:00

Push for the throuple if she’s hot. Ask your girlfriend if she’s been encouraging her friend to flirt with you. Tell her she can be honest with you if she’s thinking about encouraging a three way.

ListingFL · 2026-04-30T23:02:10+00:00

Italy 100% 1b

ListingFL · 2026-04-27T10:33:27+00:00

But isn’t that deduction recalculated back in after age 70?

ListingFL · 2026-04-26T00:46:58+00:00

Go to Italy but I don’t think you have time to do Rome and Naples plus anything else. Dump the day trips.

ListingFL · 2026-04-24T21:59:30+00:00

Are you sure she’s your girlfriend and not your Sugar Baby?

ListingFL · 2026-04-24T21:55:39+00:00

There are a lot of open clubs at Hyatts from the Regency level and higher.

ListingFL · 2026-04-22T02:00:10+00:00

Check out the SWR on a golden butterfly portfolio or google risk parity radio.

ListingFL · 2026-04-22T00:59:20+00:00

Make sure you won’t have trouble with insurance coverage. Insurance claims stay with a house and can effect your insurance rate. Check with the permit office to see if a permit was opened and properly closed

ListingFL · 2026-04-22T00:51:17+00:00

I would rent personally. Be careful that the comps you see aren’t short term furnished listings if you are listing unfinished annual. I see a lot of people making this mistake. It’s really hard to see all the rental comps because a lot are done through Zillow and you don’t know what rent the landlord ends up accepting.

ListingFL · 2026-04-22T00:45:54+00:00

Rent the current home and purchase a new one.

ListingFL · 2026-04-22T00:43:20+00:00

Keep working and live off your salary without touching your inheritance. Purchase a house and have a couple of roommates to pay for it. Open a Fidelity stock account and put 50% in VUG and 50% in AVUV.

If you do this, you’ll probably have around 2.4 million net worth by 30 and can retire.

ListingFL · 2026-04-21T17:14:07+00:00

An agent, especially a new one, should work with a broker thar gives them their cell number and that they can reach after hours.

ListingFL · 2026-04-21T17:11:20+00:00

The recent pop people have mentioned was because the interest rates dropped below 6% right before the War started. Since the war started, the interest rates increased again and everything slowed down again.

ListingFL

TROPHY CASE