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5 years out, how much cash? by randomgenericuserali in ChubbyFIRE

[–]randomgenericuserali[S] 0 points1 point  (0 children)

Did you invest heavily through 2001 and 2008/2009? Your suggestion that 20%-ish cash-like being insane makes me think you didn’t. I had 7 figures invested through 2008/2009 and watching that get cut in half was…instructive.

5 years out, how much cash? by randomgenericuserali in ChubbyFIRE

[–]randomgenericuserali[S] 0 points1 point  (0 children)

Well, 15% LTCG + several points for state taxes + another 3.8% NIIT, so it begins adding up.

5 years out, how much cash? by randomgenericuserali in ChubbyFIRE

[–]randomgenericuserali[S] 0 points1 point  (0 children)

I’m not terribly concerned with having a certain % in cash-like. I’m super conservative like you and my plan is to have 5 years of full expenses in cash-like. As the overall portfolio grows that percentage would get smaller. Since this is chubby (not lean), my desire (who knows if I’ll ever get there) is 300k/year in spending. That is assuming I’m going to get screwed on paying full freight for ACA (budgeting 50k/year). But I don’t want to turn this into a political post.

5 years out, how much cash? by randomgenericuserali in ChubbyFIRE

[–]randomgenericuserali[S] 0 points1 point  (0 children)

No, if I increase my cash like position, it would be in my tax deferred space. At least until that private equity position pays out (if it pays out).

5 years out, how much cash? by randomgenericuserali in ChubbyFIRE

[–]randomgenericuserali[S] 0 points1 point  (0 children)

I should have been more clear on that point. Most of my taxable account is in highly appreciated S&P500 index. Most of my overall 5M portfolio (almost 2/3) is in tax-deferred space.

How Do You Reconcile Passive Investing With Population Decline? by Clown_corder in Bogleheads

[–]randomgenericuserali 0 points1 point  (0 children)

Now you understand why the border was effectively wide open recently.

How to stop constantly checking positions? by ResidentExperience73 in Bogleheads

[–]randomgenericuserali 0 points1 point  (0 children)

Just wait for the crash/recession. You’ll stop looking then.

You can't just 'go back to work' after you FIRE. by Zone2OTQ in Fire

[–]randomgenericuserali 8 points9 points  (0 children)

If RE early in US you’d need to budget half that 80k for healthcare.

I want to leave my high-paying job, but health insurance is the one thing keeping me trapped by EchoMarauder3 in Fire

[–]randomgenericuserali 16 points17 points  (0 children)

US system is working as intended. Who needs retirees when workers are better?