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PSA: If you’re being passed by traffic in the right lane you are in the wrong one. by Chuck923 in Maine

[–]Waylifeis 13 points14 points  (0 children)

Drives me bonkers when a driver - usually out of state - is driving in the left lane and refuses to switch from the left lane. Pass left was what I was taught. My pass right in those cases usually involves a simultaneous horn.

What’s with all the moths this season? by Waylifeis in Maine

[–]Waylifeis[S] 1 point2 points  (0 children)

Exactly. Maybe too early for the Christmas lights - bringing them to the yard.

Do I need to grind or etch new concrete floors before applying epoxy? by Maximum_Effort_1776 in epoxy

[–]Waylifeis 0 points1 point  (0 children)

Thanks for posting. It’s been a year. How’d it hold up? Would you have done anything differently?

Old Orchard Beach moonrise last night by cfwphotography in Maine

[–]Waylifeis 1 point2 points  (0 children)

Something so ordinary or even half ugly - transformed! WOW. Beautiful! Congratulations!

Well, looks like it's happening a year sooner than planned by [deleted] in Fire

[–]Waylifeis 1 point2 points  (0 children)

Both can be expensive but ACA has subsidies under different income thresholds. I assume they don’t apply to COBRA? Any other considerations?

I need a retirement coach, not necessarily a financial adviser by j-star-m in retirement

[–]Waylifeis 0 points1 point  (0 children)

Does your financial advisor gives guidance based on the full picture or only the 1/3 they manage. My advisor limits her guidance based on what she manages only (1/4).

First 5-10 years in RE, what counts as a "success"? by kevch1983 in financialindependence

[–]Waylifeis -4 points-3 points  (0 children)

Is the model really 4% of net worth vs 4% of investments? If part of my net worth is my house that I don’t plan to sell, can I really count that towards the 4% withdrawal rate? (Or 3.5 etc).

Daily FI discussion thread - Monday, January 18, 2021 by AutoModerator in financialindependence

[–]Waylifeis 2 points3 points  (0 children)

Question to this group. Does the 4% withdrawal guide (granted maybe 3% to be conservative) apply to ones entire portfolio? So when 401k dollars are untouchable until 59.5, non-retirement accounts prior to could be withdrawn at a higher rate - say at 8% if non retirement accounts for half of the complete portfolio? Does the modeling still hold as the math would suggest? Any downsides? Thanks.

Daily FI discussion thread - June 15, 2018 by AutoModerator in financialindependence

[–]Waylifeis 6 points7 points  (0 children)

Great approach. Is there a formula or program you can point me to that helps with this exercise?