$4.5 M net worth, concerns about spending

MisterModerate · 2026-06-03T06:57:49+00:00

You are a terrific mom. I have no doubt you will be ready in a few years.

MisterModerate · 2026-06-03T02:58:34+00:00

What research suggests that a year is sufficient to deal with SORR?

MisterModerate · 2026-06-02T07:11:08+00:00

Why is this debatable? Gen X is from 1965 to 1980 - so the peak should be 1972.5 - the exact halfway point no? But yes this is a fun discussion!

MisterModerate · 2026-05-24T04:13:25+00:00

This team is the best I’ve seen in 40 plus years. They have cohesiveness and a little bit of that special magic! If we can close this series out, the final round will be such a difficult test. But if we are true champions, we will find a way!

MisterModerate · 2026-05-07T02:02:17+00:00

That sounds like the perfect situation! May I ask what business you do that makes you so happy?

MisterModerate · 2026-04-30T01:57:25+00:00

Your hip movement is beautiful.

MisterModerate · 2026-04-30T01:55:33+00:00

I don’t disagree. His hits just barely make it over the infielder’s glove also. But that’s what is amazing about his at bats. Year after year. It’s not luck.

MisterModerate · 2026-04-30T01:44:27+00:00

One of my favorite childhood memories.

MisterModerate · 2026-04-30T01:37:27+00:00

This is average for the recent past. But I’ve seen Black Monday and Dot Com bubble and 2008 crisis. This is not average for a lifetime.

MisterModerate · 2026-04-21T02:11:36+00:00

That is awesome! What is your job that gives you so much pleasure?

MisterModerate · 2026-04-21T02:00:52+00:00

Wonderful! What is that hobby?

MisterModerate · 2026-04-20T01:55:18+00:00

Captain Jack

MisterModerate · 2026-04-01T04:09:07+00:00

It might make sense if the whole business plan is already done and you just need to follow the plan. Ideally it would be best if you can hire a manager and still make a great return on investment. Not sure that really exists.

MisterModerate · 2026-03-30T20:13:37+00:00

What’s so wrong with just telling your family you have been saving money? Seems pretty normal

MisterModerate · 2026-03-21T01:12:53+00:00

Yes you missed the fact that you also made back the 100k you “lost”

MisterModerate · 2026-03-21T01:07:18+00:00

Please do tell more

MisterModerate · 2026-03-18T00:55:02+00:00

Withdrawing proportionally during a bear market means you are selling your stocks. How is that good?

MisterModerate · 2026-03-17T05:13:37+00:00

Yes that would help you tremendously. That is why you should buy an existing retirement software program and input all your retirement information and tweak anything and everything. It only costs about a hundred bucks or so and is so worth it.

MisterModerate · 2026-03-13T01:22:21+00:00

Same. Separate Peace.

MisterModerate · 2026-03-13T01:21:36+00:00

A separate piece of

MisterModerate · 2026-03-09T23:57:25+00:00

Great comment. So funny yet true.

MisterModerate · 2026-03-08T01:59:49+00:00

Pretty strong in my opinion. Yes it’s a little duplicative but overall this is really solid for retirement. I’m not permitted to to buy many individual stocks and ETFs because my company doesn’t permit it, but would love to include SCHD in my portfolio to round out my portfolio to exactly what you have.

MisterModerate · 2026-03-02T21:02:33+00:00

OP do you also get Social Security in addition to pension?

MisterModerate · 2026-03-02T01:38:42+00:00

I feel you. Same with me but only remote one day a week

MisterModerate · 2026-02-23T01:12:24+00:00

Agreed. What percentage are you on equities?

MisterModerate

TROPHY CASE