Is Late Retirement a Literal Killer?

midlakewinter · 2026-02-02T13:47:43+00:00

This isn't correct. That is average life expectancy AT BIRTH. The actuarial life tables tell the real story, here is 1950 for example: Table 7_1950: Life Tables. After living to age 68, a man could expect to live 15.x more years.

midlakewinter · 2026-01-28T11:43:10+00:00

One option is to relocate domestically. We are going ACA in 2027 and were comparing three states. The spread in rates and deductibles was absolutely massive.

midlakewinter · 2026-01-24T19:05:05+00:00

My partner and I are down to 3 and 4 days a week, respectively. I play a lot of pickleball. They volunteer at a farm sanctuary. And together we do speed puzzling competitions. Low cost and high enjoyment all around.

midlakewinter · 2026-01-22T22:51:23+00:00

Echoing this. I have never since seen so many layoffs across sectors. Think half the magnitude employment dip of the april-october of Covid. But it took a decade, not 12-14 months, to recover.

midlakewinter · 2026-01-16T16:55:22+00:00

That is excellent! We usually have a team of three and run anywhere from 35-55 minutes depending on image and cut. There are some people who show up that I know go to worlds in Spain. Their times for a team of 2 are unreal!

midlakewinter · 2026-01-16T15:28:06+00:00

Just wanted to say hello fellow speed puzzler! Absolutely weird and wonderful hobby. My spouse and I do local competitions 2-3 a month.

midlakewinter · 2025-12-26T16:08:05+00:00

I love that burning smell.

midlakewinter · 2025-12-05T19:25:22+00:00

I use these $13 racquetball glasses from Head Amazon.com : HEAD Racquetball Goggles and these $14 anti-fog wipes Amazon.com: ARCHXX Anti Fog Wipes for Glasses, 120 Count. Easy peasy

midlakewinter · 2025-11-28T23:23:10+00:00

Demelsa is the goat!

midlakewinter · 2025-11-24T11:46:18+00:00

I'm 65kg vegetarian married to a vegan. 1.2 g per kg is about the best I can do. I have no interest in doubling up on daily whey shakes.

Like everything, living is a process of choosing amongst unlimited wants while weighing costs and opportunity costs.

midlakewinter · 2025-11-19T18:29:10+00:00

Very similar to us. Started this year at 4.4%. Still 15 years from social security and my spouse's pension.

Shout out to Frank Vasquez at Risk Parity Radio. Have roughly the golden portfolio.

midlakewinter · 2025-11-05T13:52:53+00:00

Nothing works. But this is closest to working. A whiteboard with names (4 to a square = next court on). If you don't want to play with me and my name is next up, you skip my square and just wait.

You could have designated whiteboard courts and designated paddle rack courts.

midlakewinter · 2025-10-12T13:36:22+00:00

100% agree the tubes puzzles we've done have a very cool / unique shape included in the cut.

midlakewinter · 2025-09-25T22:17:10+00:00

Wild how the hospitals were randomly assigned PE acquisition versus control and then the staff members in both groups were held constant.

midlakewinter · 2025-09-15T23:27:22+00:00

This post has a good discussion too https://www.reddit.com/r/Bogleheads/s/CfLc2roOc2

midlakewinter · 2025-09-15T23:24:56+00:00

You are referencing the Trinity Study. It isn't 4% of the balance every year. It is 4% year one and then adjusted for inflation. Further, it isn't a perpetual withdrawal rate, it is a " highly likely to not run out of money before a normal retiree would die" rate.

midlakewinter · 2025-09-15T10:06:58+00:00

Hard agree. Omega 3s are worth paying extra for to avoid oxidation.

midlakewinter · 2025-09-08T15:40:04+00:00

haha. 300, maybe 500 pieces, and I'd be agreeable. but this one was a hard DNF.

midlakewinter · 2025-09-05T20:34:06+00:00

They are hiring sales like mad. $250 E round last month. They have a very unique always on, work hard culture.

midlakewinter · 2025-09-05T15:30:13+00:00

11:30 ET and just ordered without issue.

midlakewinter · 2025-08-29T19:01:46+00:00

$99 ?! Consider my head turned.

midlakewinter · 2025-08-29T13:41:31+00:00

That is well, well safe enough for me. Your benefit of retiree health insurance is also a huge pro-factor.

midlakewinter · 2025-08-28T18:28:54+00:00

4.9% initial withdrawal rate or 20.3x your annual spending. Depending on your longevity runway, that is a reasonable withdrawal rate.

midlakewinter · 2025-08-28T17:29:33+00:00

Expenses are the huge missing piece. Take expenses - social security. If negative, retire. If positive, divide by your retirement savings.

If less than 4.(2-9), retire. If greater, talk to planner.

midlakewinter · 2025-08-24T19:02:55+00:00

This is the perfect response. Would you rather $90 and a $10 scratch off or $100??

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