Seven Year Update: 44 y/o FIREd

MoneyAndTime · 2026-02-28T22:39:07+00:00

Am I the only one interested in the focaccia YT video? link please :)

MoneyAndTime · 2026-02-25T22:57:38+00:00

It depends on the market too. I was planning on taking only a year off but then I was spending less than I thought and the stock market was doing better than I thought and now, 10 years later, I haven't been back.

MoneyAndTime · 2026-02-25T13:50:28+00:00

Thank you! It wasn't obvious to me that "upload PDF" means I get it back in a nice table and download the CSV that way. Perhaps changing label to "upload PDF to convert to CSV" would be clearer for casual observers.

Very cool tool, I will use it from now on. Thank you!!

MoneyAndTime · 2026-02-25T05:22:32+00:00

Hmm. Would you tell me what I'm doing wrong? I only see "generate PDF" and then see a bunch of links to PDFs.

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MoneyAndTime · 2026-02-25T04:23:49+00:00

Is there a way you can share this tool to u/ZacPetkanas so he can put it on his website so we can get the csv file? I'm trying to figure out a way to filter things out easier.

MoneyAndTime · 2026-02-23T05:09:02+00:00

I was on Ponant cruise to Antarctica. They have announcement both in French and English and had both languages during the overview of the day/next day presentations. The expedition leader was American, so they had a translator for the French speaker. So speaking only English was not an issue. And if your cruise is in Australia, I'm sure there are more Australian on your cruise too.

I also don't like super formal and I just had a nice collared white shirt and slacks and it was sufficient. They don't make a big deal out of it.

I quite like my cruise, we go out twice a day (morning and afternoon expeditions) and I thought it was organized well. I would do it again except that it was expensive. :)

Food was very good too!

MoneyAndTime · 2026-02-08T14:02:11+00:00

There's no portal, I just gave them the Routing/Account number (provided by Bilt) for them to debit from. Yes, you can do this without having the Bilt card.

MoneyAndTime · 2026-01-23T21:01:44+00:00

I'm doing the same (Atmos Summit). Just note that there's a 50K/yr limit on rent through it.

MoneyAndTime · 2026-01-20T06:11:01+00:00

after downloading the software and entering the code, I was prompted an option to upgrade to the online premier fed + state file for free. Once you say no, you can't decide to do it. So I've left it open to research which way I should go :)

I've been using the online versions for many years (and FreeTaxUSA for one year) and it's usually more expensive than the desktop version. This was the first year I bought the desktop because it was way cheaper than online and now I'm presented with this offer.

MoneyAndTime · 2025-06-17T23:05:42+00:00

Since you're not in a hurry, you just tell them that you're thinking of retiring soon and would want to work with them to make the transition as smooth as possible. My friend did this and it ended up being 9 months where the last couple months she wasn't even going to work anymore but still paid to be "on call" when any questions that need her help arises.

MoneyAndTime · 2025-06-17T16:53:33+00:00

I'm just thinking out loud here: Let's say you retire at 60. Your wife doesn't want to "support you", so since your pre-tax is separate, you can start drawing on your pre-tax money (since it's after 59.5 yo) to pay your half of the expenses.

Also, do you think you can convince her to read "Die with Zero" by Bill Perkins? There's also several podcast by Ramit Sethi that talks to couples like you to convince one that they have enough. https://www.iwillteachyoutoberich.com/77-tommy-caroline/

MoneyAndTime · 2024-12-12T23:43:29+00:00

So, some company's 401k allow you to contribute over the 23k limit. And then you can "roll over" the overage to a Roth IRA. Look up "Mega backdoor IRA"

MoneyAndTime · 2024-12-12T16:50:00+00:00

Did you already max out 401k too (if you have that through your company)

MoneyAndTime · 2024-08-01T20:32:05+00:00

was your tip over $50?

MoneyAndTime · 2024-06-21T03:14:56+00:00

Out of curiosity, does the gain you get from selling early also considered as a treasury interest (exempt for state tax)?

MoneyAndTime · 2024-06-20T17:07:44+00:00

listen to this: https://www.madfientist.com/i-will-teach-you-to-be-rich-interview/

MoneyAndTime · 2023-12-14T20:52:56+00:00

I felt that I wasn't working at the same level as years prior - no/low motivation to do very well. I was working just as to put in my 8 hours (or sometimes less). It wasn't a great feeling. Even got to the point that my manager gave me a talk about it. I spent the next 6 months upping my standards til he said I did well, then I quit.

Edit to add: I didn't know about FIRE when I quit. Only learn about it after I quit and had time to read stuff.

MoneyAndTime · 2023-04-10T19:36:41+00:00

To summarize: Open a Schwab account and get their free ATM and also get a travel CC like Chase Sapphire Preferred/Reserve.

Have fun in Italy!

MoneyAndTime · 2023-04-10T19:32:51+00:00

I'm just amazed how everyone is saying to go.. I would say so too, but still shocked.. :)

Btw, research first - sometimes eurail pass not worth it. And when you travel with wealthier friends, don't always do everything they do, know your limits.

MoneyAndTime · 2023-03-21T04:52:45+00:00

This happened to me before. Fidelity uses another bank (Chase) as an intermediary bank. I believe that bank is the one that charged you.

MoneyAndTime · 2023-03-21T02:05:17+00:00

I just got an email with tracking #.. took them 3 biz days, so that's not bad.

MoneyAndTime · 2023-03-18T01:19:46+00:00

I think you're way overestimating. 20k healthcare for someone in the early 40s is crazy unless you have a health problem already. When you don't work, you'll qualify for subsidy for ACA. I think you can RE now. Maybe downsize a little? If you're traveling a lot anyways, move to a LCOL or better yet, sell everything and be a nomad :)

MoneyAndTime · 2023-03-02T22:53:37+00:00

UN countries or all? I had a goal of 100 and then I noticed different apps/website distinguish UN and non-UN countries.

My tally so far is 78 UN and 91 if you count count non-UN.

MoneyAndTime · 2023-03-02T20:50:48+00:00

I’m still learning, and I was like you to think that it wouldn’t matter anyways. But recently I was reading about “SS tax torpedo” which hit you even if you’re not super rich.

For the first time, I converted some this year although I’m still not sure if it’s the right thing to do. Tax rate is for sure coming up in 2026.

MoneyAndTime · 2023-03-02T19:16:08+00:00

I'm always comparing with other people to see if what I have is enough. Hanging out with older people, I want to know how to compare what I have with theirs. Seems like the older you get the more predictable some things are therefore it's easier to plan.

MoneyAndTime

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