Search found 8 matches

by Junimo15PF
Mon Aug 31, 2020 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 377
Views: 51421

Re: How to get over finance envy

I see this is an older thread but it's amazing how consistent human nature is and these are all good things to be thinking about! I've personally had to fend off the envy when it comes to housing...I'm 31, married, and my husband I and rent a 4 bed condo--that we also share with another couple, thei...
by Junimo15PF
Mon Aug 31, 2020 11:41 am
Forum: Personal Investments
Topic: Optimizing allocations for earlier retirement, handling small windfall
Replies: 12
Views: 766

Re: Optimizing allocations for earlier retirement, handling small windfall

Thanks for your input on the allocation! I've taken the Vanguard questionnaire and come up with 80/20. The asset allocation model you linked to was very helpful, it's a great a visualization to reference. Excellent. If in doubt, go with the more conservative allocation. You could split the differen...
by Junimo15PF
Mon Aug 31, 2020 11:10 am
Forum: Personal Investments
Topic: Optimizing allocations for earlier retirement, handling small windfall
Replies: 12
Views: 766

Re: Optimizing allocations for earlier retirement, handling small windfall

Also plan how much you want allocated to international stocks and bonds. The wiki is a good place to start with both of those. Reading through that right now. This part is getting to be a bit above my head so I'll take a bit to digest this. There’s no objectively right answer, but I for internation...
by Junimo15PF
Mon Aug 31, 2020 10:56 am
Forum: Personal Investments
Topic: Optimizing allocations for earlier retirement, handling small windfall
Replies: 12
Views: 766

Re: Optimizing allocations for earlier retirement, handling small windfall

Desired Asset allocation: This is a big question of mine. -Regarding allocations, I'm thinking 70/30. Reasonable? I see many early 30's folks 100% in stocks. I know myself to have a lower risk tolerance though, and I'm also not sure I should be just as risky as a 30 year old who plans on working un...
by Junimo15PF
Mon Aug 31, 2020 10:31 am
Forum: Personal Investments
Topic: Optimizing allocations for earlier retirement, handling small windfall
Replies: 12
Views: 766

Re: Optimizing allocations for earlier retirement, handling small windfall

Yes, I definitely understand the aversion to debt (even the "good" kind). But you can always prepay the mortgage later if you put less down when you buy. If you can still have 6 months of expenses in your EF after the down payment though, it sounds like you’re in pretty good shape. I prefer having ...
by Junimo15PF
Mon Aug 31, 2020 9:47 am
Forum: Personal Investments
Topic: Optimizing allocations for earlier retirement, handling small windfall
Replies: 12
Views: 766

Re: Optimizing allocations for earlier retirement, handling small windfall

Hi all, ... Desired Asset allocation: This is a big question of mine. ... I know these are a lot of questions, as I'm trying to wrap my head around all of this. Thanks for any input! Welcome to the forum. Since asset allocation has the biggest impact on how your portfolio will behave, taking some t...
by Junimo15PF
Mon Aug 31, 2020 9:28 am
Forum: Personal Investments
Topic: Optimizing allocations for earlier retirement, handling small windfall
Replies: 12
Views: 766

Re: Optimizing allocations for earlier retirement, handling small windfall

Hello and welcome to the forum! That is a lot of questions, but I’ll take a go at some of them. Thank you! How expensive is the house you want to buy? After buying it, how depleted will your emergency fund be? If interest rates remain as low as they are now, you might consider putting less down and...
by Junimo15PF
Sun Aug 30, 2020 4:28 pm
Forum: Personal Investments
Topic: Optimizing allocations for earlier retirement, handling small windfall
Replies: 12
Views: 766

Optimizing allocations for earlier retirement, handling small windfall

Hi all, I'm new to the community and very thankful for the wealth of information I've already read here! Last month I barely knew what an index fund was and now I'm reading the basics and I'm piecing things together so, here we go. Basic info: Emergency funds: 6 months in HYSA Debt: None, finally pa...