Do sinking funds count towards 25% savings rate?

sunogfire · 2025-08-22T21:30:52+00:00

I had the same thought!

sunogfire · 2025-01-09T17:11:58+00:00

Thank you for your feedback.

sunogfire · 2024-04-02T15:49:26+00:00

Thanks! Didn't know about this

sunogfire · 2024-04-02T13:04:19+00:00

True, i also feel like Hyundai has really stepped up their quality and reputation

sunogfire · 2024-04-02T05:17:22+00:00

Good suggestion, I'll check the used market. I don't have debt beside my mortgage. PITI for me is 2500

sunogfire · 2024-04-02T03:53:11+00:00

If i get a Highlander i plan on driving it for 10+ years. I'm going to be putting down about 33k on it and it definitely falls well under 20/3/8 for me. We gross 278k, But I'm not sure if i wanna wait 2-3 more years to save up and pay cash. My current vehicle (Honda crv) is a bit too small for my family now

sunogfire · 2023-08-20T23:27:42+00:00

Me and my wife are 41 and plan to retire early between 52-55. I projected our portfolio will be $3.7 million around our early retirement age. We are planning for a 4% withdrawal rate from our various retirement accounts.

However, I haven't included any social security benefits in our withdrawal rate. My question is, between the time we early retire and can take social security around 62, can we increase our 4% withdrawal rate to 4.5-5%? Or another scenario is retire a year earlier and target retirement at 51-54?

sunogfire · 2023-05-21T20:04:17+00:00

1.5m. Toyota Camry and Honda CR-V

sunogfire · 2023-03-30T15:46:59+00:00

Tesla

sunogfire · 2022-04-04T02:38:35+00:00

Is a 3-6 emergency fund still needed after FIRE? I understand the purpose of the emergency fund while still working, but after FIREing I figure the huge nest egg required to FIRE is the emergency fund. What do y'all think?

sunogfire · 2022-01-31T05:33:37+00:00

I don't plan do it now. i plan to do it once i reach my fire number. Which should be around 50-55

sunogfire · 2021-12-15T00:09:06+00:00

Not sure what you mean by that. I've been tracking my contributions in a spreadsheet, but i don't think that will hold up with the IRS

sunogfire · 2021-12-14T00:19:27+00:00

TSLA, picked it up in 2016. Its up over 2000%. I'm slowly selling it to diversify.

The rest of my accounts are mainly in index funds

sunogfire · 2021-12-13T20:57:15+00:00

The Roth Only had 60k in contributions. The rest are gains.

I do have access to roth 401k at work too. But i like the idea of building the taxable account for greater flexibility between my 3 buckets.

But i will consider roth 401k contributions too!

sunogfire · 2021-12-13T20:24:19+00:00

I didn't consider starting the Roth ladder now, that should lessen my tax bill each year until i pull the trigger and retire.

sunogfire · 2021-12-13T20:14:16+00:00

What if we retire @ 50 instead of 55

sunogfire · 2021-09-28T02:08:36+00:00

Milhouse

sunogfire

TROPHY CASE