Search found 12 matches

by dreamrrr
Mon Nov 13, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: How do you project the amount you will have to spend annually in retirement?
Replies: 76
Views: 4378

Re: How do you project the amount you will have to spend annually in retirement?

My formula for projecting the amount I will have to spend annually in retirement is fairly simplistic. I subtract my current age from 101 and then divide my total invested assets by that number. annual amount I can spend = current assets / (101 - my current age) I then combine this with my other inc...
by dreamrrr
Sun Sep 24, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8899

Re: Age you retired

Retired at age 59. Age 62 now. Started full time working at age 16. 43 years of full time work averaging 50 hours per week. SWR is currently 0%. No planned withdrawals until RMD starts at age 70. Savings rate in retirement = 50% of gross retirement income. Retirement income = pension + ss + dividend...
by dreamrrr
Mon Sep 11, 2017 12:21 am
Forum: Personal Finance (Not Investing)
Topic: New Mobile Phone number - Now hounded by Collection Agencies
Replies: 38
Views: 3495

Re: New Mobile Phone number - Now hounded by Collection Agencies

This happened to me. I was receiving harassing phone calls and letters in the mail for a debt that was supposedly owed by someone that no longer lived at my house. I found a form for a generic "cease and desist" letter and I found the name of the corporation that owned the collection agency. On thei...
by dreamrrr
Mon Mar 06, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 188
Views: 21553

Re: How Much in Your Emergency Fund And Is It Used?

When you have kids, I think you feel more obligated to keep an emergency fund.... I keep $100K in my emergency fund. I've had several emergencies that required immediate access to cash. Some have been related to helping my kids. I don't do credit. examples > tooth implants for one son; son's car ca...
by dreamrrr
Fri Feb 17, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Visiting the National Parks
Replies: 29
Views: 2852

Re: Visiting the National Parks

This link gives a suggested route.
http://www.randalolson.com/2016/07/30/the-optimal-u-s-national-parks-centennial-road-trip/
Not sure that it hits every park.
by dreamrrr
Thu Feb 16, 2017 12:24 am
Forum: Investing - Help with Personal Investments
Topic: Two-Fund Portfolio Role Call
Replies: 59
Views: 7702

Re: Two-Fund Portfolio Role Call

36% ITOT
64% Stable value fund offered in my 401K

I've been retired 3 years. I am still saving a portion of my retirement income and investing that in to more ITOT shares so I expect my equity allocation to increase over time.
by dreamrrr
Fri Feb 10, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: mattresses and alcohol (bourbon, scotch, whiskey)
Replies: 45
Views: 5073

Re: mattresses and alcohol (bourbon, scotch, whiskey)

I like to keep it simple. Bushmills on ice. Sleeping on a mattress is optional...
by dreamrrr
Fri Feb 10, 2017 2:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 33907

Re: Your USER NAME...what does it mean?

Peculiar_Investor wrote:
dreamrrr wrote:I'm a big dreamer, especially when it comes to my finances and accumulating wealth.
Dream big. Share your dreams.

Are you a Supertramp fan too? If you are not, that's the Crime of the Century. :D


Yes, I'm a big fan. I also like Bob Dylan's Dream and this version by Brian Ferry.
by dreamrrr
Fri Feb 10, 2017 1:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 33907

Re: Your USER NAME...what does it mean?

I'm a big dreamer, especially when it comes to my finances and accumulating wealth.
Dream big. Share your dreams.
by dreamrrr
Wed Feb 08, 2017 11:47 pm
Forum: Investing - Theory, News & General
Topic: Does Micheal Kitces Rising Retirement Glidepath Still have legs
Replies: 47
Views: 4700

Re: Does Micheal Kitces Rising Retirement Glidepath Still have legs

I am planning on an increasing equity glide path. I do not recommend this for anyone else. This approach only applies to my own situation. I retired in 2014. 6 months before retirement, I was 60% in a stable value fund and 40% in cash. No equities. Since I was planning to retire in 6 months and I wa...
by dreamrrr
Fri Nov 13, 2015 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Does it matter when you claim Social Security?
Replies: 43
Views: 5558

Re: Does it matter when you claim Social Security?

Actually, my statement above is not entirely correct. I played with Excel for a while, starting SS at five different ages, 62 to 70 in two year increments. I used an age 66 PIA of $1000/month with the benefit at other ages adjusted properly, zero COLA. I computed and plotted monthly growth totals, ...
by dreamrrr
Thu Nov 12, 2015 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Does it matter when you claim Social Security?
Replies: 43
Views: 5558

Re: Does it matter when you claim Social Security?

In my case, I don't need SS payments for living expenses. I plan on reinvesting each SS payment in a low cost index etf. So it seems that starting SS payments at age 62 and reinvesting each payment will provide more money over my lifetime vs. waiting until age 66. By waiting, I would lose up to 4 ye...