Search found 747 matches

by Wannaretireearly
Sat Oct 19, 2019 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a short career break in silicon valley
Replies: 10
Views: 1644

Re: Taking a short career break in silicon valley

Ha. Love these comments. Very encouraging & I could approach my friendly HR rep to find out specifics at my company. How close am I to FIRE? 3 years til mortgage done. 9 years til kids are both in college & private school costs diminish. Then I'm done at 50! So, it's really about how I navigate the ...
by Wannaretireearly
Fri Oct 18, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Taking a short career break in silicon valley
Replies: 10
Views: 1644

Taking a short career break in silicon valley

Anyone done this successfully at a tech company? What was your experience like leaving/joining back at same or different company? My company doesn't have a sabbatical or anything like that sort of program. Just looking for others' experiences. Been almost 20 years of continuous grind, and I'm longin...
by Wannaretireearly
Thu Oct 10, 2019 11:59 pm
Forum: Personal Consumer Issues
Topic: Cold feet - Radiant subfloor heating question
Replies: 26
Views: 2049

Re: Cold feet - Radiant subfloor heating question

Installed in two bathrooms. Cost about 2k materials. Cant rem labor, not much in a new bathroom.
One of the best things we put in.
Now the heated tow rail. We never use!
by Wannaretireearly
Thu Oct 10, 2019 9:17 pm
Forum: Non-US Investing
Topic: European in the US wants to FIRE in 5 years. Questions.
Replies: 40
Views: 3008

Re: European in the US wants to FIRE in 5 years. Questions.

What if u maintained US address/residency, while living most of the time in Europe? Why wouldn't this work? E.g. 'retire', $0 income, file returns as usual (assume US citizen). But live where u want in Europe some/most of the time? Love to see the comments/criticisms for above. Cos that above is my...
by Wannaretireearly
Thu Oct 10, 2019 2:04 am
Forum: Non-US Investing
Topic: European in the US wants to FIRE in 5 years. Questions.
Replies: 40
Views: 3008

Re: European in the US wants to FIRE in 5 years. Questions.

What if u maintained US address/residency, while living most of the time in Europe? Why wouldn't this work? E.g. 'retire', $0 income, file returns as usual (assume US citizen). But live where u want in Europe some/most of the time? Love to see the comments/criticisms for above. Cos that above is my ...
by Wannaretireearly
Thu Oct 10, 2019 1:49 am
Forum: Personal Investments
Topic: What should I do about employer / industry risk in tech?
Replies: 36
Views: 2945

Re: What should I do about employer / industry risk in tech?

Maybe pick up some skills in related areas. Product Management, presentations, etc. When push comes to shove, employers need 'all rounders' not just tech/gear heads. As you mention very well, average eng groups with stellar biz models succeed. I.e. think/develop skills on the biz/product mgmt side, ...
by Wannaretireearly
Tue Oct 08, 2019 10:11 pm
Forum: Personal Consumer Issues
Topic: Help Me Decide on a New Vehicle?
Replies: 63
Views: 4561

Re: Help Me Decide on a New Vehicle?

Wannaretireearly wrote:
Tue Oct 08, 2019 10:10 pm
Hyundai Palisade. Just came out. Go research.
3 row suv. I can fit my skis in there. Very safe.

Or aforementioned Kia Telluride. Sister car to the Palisade.
by Wannaretireearly
Tue Oct 08, 2019 10:10 pm
Forum: Personal Consumer Issues
Topic: Help Me Decide on a New Vehicle?
Replies: 63
Views: 4561

Re: Help Me Decide on a New Vehicle?

Hyundai Palisade. Just came out. Go research.
3 row suv. I can fit my skis in there. Very safe.
by Wannaretireearly
Thu Oct 03, 2019 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Willingly going from lucrative job to unemployed?
Replies: 132
Views: 13463

Re: Willingly going from lucrative job to unemployed?

And, skip SE Asia. You and your girlfriend are young. SE Asia can be traveled any time. Ha, good point on SE Asia. The long term travel bug seems to be more popular with the Europeans. I've a friend from school who recently quit his tech job in London and travelled all over South America for 6 mont...
by Wannaretireearly
Thu Oct 03, 2019 1:11 am
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 64
Views: 7848

Re: Solar Installation - 0.75 Year Later

Tag. Great thread. Any recommendations for bay area solar companies? Any good sites which review the latest and greatest solar tech? I have a new roof. Electric bill runs from 100 go 200 max. I guess I should look into this. Friends have said a house battery would be great ( store your own power to ...
by Wannaretireearly
Thu Oct 03, 2019 1:07 am
Forum: Personal Finance (Not Investing)
Topic: Willingly going from lucrative job to unemployed?
Replies: 132
Views: 13463

Re: Willingly going from lucrative job to unemployed?

Go for it OP. No brainer. No debt, no ties or dependents. Plan your trip. Try the sabbatical route first if poss. Else, ce la vie. You will always be able to make a dime. If your post was in Europe, you would get more favorable responses. I'm waiting for kiddos to be off my payroll and mortgage paid...
by Wannaretireearly
Sat Sep 28, 2019 6:13 pm
Forum: Personal Consumer Issues
Topic: Aruba in Dec
Replies: 13
Views: 895

Re: Aruba in Dec

Thanks everyone!
by Wannaretireearly
Sat Sep 28, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Aruba in Dec
Replies: 13
Views: 895

Re: Aruba in Dec

Thanks RM. Any specific company you use?
by Wannaretireearly
Sat Sep 28, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Aruba in Dec
Replies: 13
Views: 895

Aruba in Dec

Flights booked Christmas week. Staying at eagle aruba resort and casino ( best deal I could find). Never been to Aruba. Any hints/tips? Looking forward to the trip. Some questions: Airport transfer needed? Can I just get a taxi for the family at the airport? Anyone know the resort/area? Seems good o...
by Wannaretireearly
Sun Sep 22, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: Can anyone recommend an affordable TV stand wide enough for a 65" TV?
Replies: 28
Views: 1436

Re: Can anyone recommend an affordable TV stand wide enough for a 65" TV?

Wayfair.com
Please check this out. Amazing customer service. Have used them a ton this past year. Incl a tv stand for a wide 75 inch tv.
by Wannaretireearly
Tue Sep 17, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Outback?
Replies: 84
Views: 7549

Re: Alternatives to Subaru Outback?

Hyundai Santa Fe was mentioned. Don’t look past it. Extremely comfortable and quiet. Just got a Hyundai Palisade. Bigger than OP needs, but very happy so far with my first Hy. Has every safety bell and whistle, even on mid range model. Also on my list was the Kia Telluride. Happy shopping. I love a...
by Wannaretireearly
Wed Sep 11, 2019 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: [Yet Another] How much house can I afford ?
Replies: 28
Views: 3112

Re: [Yet Another] How much house can I afford ?

- take your time to find a great contractor How do you find a great contractor ? Find someone local who has done lots of great work. Interview. Understand after 3 meetings your 'dating'. If it doesn't feel right...move on. Get personal references. Talk to people who have recently completed work. Tr...
by Wannaretireearly
Wed Sep 11, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: [Yet Another] How much house can I afford ?
Replies: 28
Views: 3112

Re: [Yet Another] How much house can I afford ?

I hear this is not an uncommon situation. I had a different experience. I paid $1.3 million, spent under $500k to rebuild and it was worth $2.2+ million on completion (2 years ago). The mistake most people make is paying too much for the fixer, trusting their architect/ GC to deliver the vision, an...
by Wannaretireearly
Tue Sep 10, 2019 12:23 am
Forum: Personal Consumer Issues
Topic: SF bay area: high school IB programs [International Baccalaureate]
Replies: 7
Views: 1226

Re: SF bay area: high school IB programs [International Baccalaureate]

Sorry, I don’t live in the Bay Area. When it came time for us to shop for the right IB program and high school, it quickly became apparently that each school district in our metro area only had one or two high schools offering a diploma at all. From there, it was pretty easy to determine which were...
by Wannaretireearly
Sun Sep 08, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: SF bay area: high school IB programs [International Baccalaureate]
Replies: 7
Views: 1226

SF bay area: high school IB programs [International Baccalaureate]

I have a 3rd grader and 6th grader at Stratford school (private) in the east bay. This school finishes at 8th grade. We have an ok/good public high school in our catchment area that were considering. Need some advice from folks in the area, please. Feel free to direct message me if it helps to get i...
by Wannaretireearly
Sat Sep 07, 2019 2:47 pm
Forum: Personal Investments
Topic: 32 Yr old DINKS Portfolio Advice
Replies: 10
Views: 1952

Re: 32 Yr old DINKS Portfolio Advice

Save as much as you can! Kids (on average) are expensive. The small nugget post tax we saved as really helped cushion us. Been hard to save a substantial amount post kids, in after tax accounts.
Gather those coins...have a few kids!
by Wannaretireearly
Thu Sep 05, 2019 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Need to get a car in a hurry.
Replies: 48
Views: 4911

Re: Need to get a car in a hurry.

To the OP, I was in a similar boat. See my last post. Bought a 2020 hyundai palisade on Monday. Also considered a 2020 kia telluride. Both SUVs are/will be class leading. Great value. Amazing safety features Only other car in the sub 40K range we considered was a tesla 3. Very different cars, the ga...
by Wannaretireearly
Thu Sep 05, 2019 1:18 am
Forum: Investing - Theory, News & General
Topic: Very bad day
Replies: 39
Views: 6145

Re: Very bad day

Miriam2 wrote:
Wed Sep 04, 2019 10:26 pm
goodenyou wrote: Is it a RBD or an RBD?
It's a Really Bad Day - but it's an RBD.
Things I learn here. Just wow. Lol
by Wannaretireearly
Tue Sep 03, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: Water alarm just saved me a lot of $$$. Do you have them?
Replies: 62
Views: 6638

Re: Water alarm just saved me a lot of $$$. Do you have them?

tag tag tag, what a great thread. Haven't had a chance to read everything. What is the latest and greatest sensor, which doesnt need plumbing? I have a Nest Alarm system. This doesnt have to integrate with Nest, but would be nice. Edit: Saw these. Any opinions?: https://www.amazon.com/dp/B0788B6L3V/...
by Wannaretireearly
Wed Aug 28, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: What is your plan for the last few years of a long life?
Replies: 230
Views: 15527

Re: What is your plan for the last few years of a long life?

Haven't read every post. My pipe dream is to go back to Europe. They do a better job of looking after the elderly, and public healthcare in general...
by Wannaretireearly
Mon Aug 26, 2019 12:31 am
Forum: Personal Finance (Not Investing)
Topic: Anyone retire in their 30s?
Replies: 108
Views: 13999

Re: Anyone retire in their 30s?

I have not read every post but I encourage some of you who are a "burnout" and 1) have good savings, and 2) have Masters or higher degree to consider teaching at a community college. At an instructor at a cc, you will be teaching only 9 months of the year (minus winter break that often lasts a mont...
by Wannaretireearly
Sun Aug 25, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Car accident: advice needed
Replies: 22
Views: 2365

Re: Car accident: advice needed

I had 2004 Camry that was totaled from a deer strike. The engine was fine, and only had damage to a quarter panel and bumper, but insurance adjuster totaled it. Was actually kinda glad, as it avoided me trying to sell the car in 1-2 years, and the insurance company paid out average retail plus sale...
by Wannaretireearly
Sat Aug 24, 2019 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident: advice needed
Replies: 22
Views: 2365

Re: Car accident: advice needed

I had 2004 Camry that was totaled from a deer strike. The engine was fine, and only had damage to a quarter panel and bumper, but insurance adjuster totaled it. Was actually kinda glad, as it avoided me trying to sell the car in 1-2 years, and the insurance company paid out average retail plus sale...
by Wannaretireearly
Sat Aug 24, 2019 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident: advice needed
Replies: 22
Views: 2365

Re: Car accident: advice needed

In addition to the deducible the insurance company will likely subtract the salvage auction value of the car from your settlement at least that is how it worked with one totaled car I had. No, they don't subtract the salvage value IF they tow away the crashed car. They do subtract the salvage value...
by Wannaretireearly
Sat Aug 24, 2019 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident: advice needed
Replies: 22
Views: 2365

Re: Car accident: advice needed

My car is older ( 2004). But I do have full comp. I'm nitpicking here but comp doesn't cover an accident. (I suspect you meant to say collision instead of comp.) Your car would be covered by your collision coverage. Normally people either have both comp and collision or neither but not everyone fol...
by Wannaretireearly
Sat Aug 24, 2019 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident: advice needed
Replies: 22
Views: 2365

Re: Car accident: advice needed

Thanks all. There is a good chance farmers may write off the car. What should I be aware of with this process? Worried they take the car away and I have to make a quick decision to buy a new car... Use this time to shop for replacement. If replacement becomes necessary, you won't be under as much p...
by Wannaretireearly
Sat Aug 24, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident: advice needed
Replies: 22
Views: 2365

Re: Car accident: advice needed

Thanks all.
There is a good chance farmers may total the car.
What should I be aware of with this process?
Worried they take the car away and I have to make a quick decision to buy a new car...
by Wannaretireearly
Fri Aug 23, 2019 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident: advice needed
Replies: 22
Views: 2365

Re: Car accident: advice needed

Thanks in advance folks. I'll try to respond to the questions asked: Seems cosmetic damage ( not engine). Fender and hood definitely damaged. I would estimate 2 to 3k. I'm going to take the car to my mechanic to get checked out trow. No injuries to anyone. Thank god. This happened today. It was a lo...
by Wannaretireearly
Fri Aug 23, 2019 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident: advice needed
Replies: 22
Views: 2365

Car accident: advice needed

I was as fault. I have called my insurance. My car is older ( 2004). But I do have full comp. I was told by farmers it is likely a total loss. Any advice? I think the damage is largely cosmetic ( not engine). But will check in the morning. I could drive the car home. Thank you! Appreciate any pointe...
by Wannaretireearly
Wed Aug 07, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: Advice on short Vietnam visit
Replies: 30
Views: 2184

Re: Advice on short Vietnam visit

Tagging this for my dream visit!
by Wannaretireearly
Mon Aug 05, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 8416

Re: Extreme Anxiety with Time/Money

U can simplify while owning a sfh. I got rid of the mower, sprinklers and weeds by getting artificial turf. Looks great. Works cos my yard ain't huge. Get to know local handy people. Let them help. E.g. I paid to have two L shape desks put together. Money well spent given some of these tasks can tak...
by Wannaretireearly
Sun Jul 28, 2019 10:34 am
Forum: Personal Investments
Topic: My quick review & some guidance needed
Replies: 18
Views: 1387

Re: My quick review & some guidance needed

Bumping to try and get more thoughts/responses!
Appreciate all inputs. :sharebeer
by Wannaretireearly
Thu Jul 25, 2019 5:09 pm
Forum: Personal Investments
Topic: Laid Off - Want to Retire / Am I OK
Replies: 145
Views: 18940

Re: Laid Off - Want to Retire / Am I OK

Sorry OP for losing your job. You are well prepared! Get rid of that mortgage and enjoy your days. Keep us updated. Your my new idol. Fyi I think there are better models for retirement/enjoyment planning than the US (in general). My 2 cents. Look to Europeans and South Americans for good models on '...
by Wannaretireearly
Wed Jul 24, 2019 1:23 pm
Forum: Personal Investments
Topic: My quick review & some guidance needed
Replies: 18
Views: 1387

Re: My quick review & some guidance needed

Quick update: I've started the Vanguard process for a. back door roths for me/spouse. I feel good about this. Done this before (however, had to skip last year). Know that I can take out contributions tax free anytime. Next decision point for 'spare' after tax $: b. Do the after tax contribution to m...
by Wannaretireearly
Sat Jul 20, 2019 5:04 pm
Forum: Personal Investments
Topic: My quick review & some guidance needed
Replies: 18
Views: 1387

Re: My quick review & some guidance needed

emlowe wrote:
Sat Jul 20, 2019 4:07 pm
You may find https://www.i-orp.com/apenalty/index.html

Helps with your planning.

I've not that familiar with the tool myself but I think it will show you some things you are trying to figure out
Thank you! Will check this out
by Wannaretireearly
Sat Jul 20, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Garage Organization
Replies: 57
Views: 4456

Re: Garage Organization

Tag. Great thread
by Wannaretireearly
Sat Jul 20, 2019 9:28 am
Forum: Personal Investments
Topic: My quick review & some guidance needed
Replies: 18
Views: 1387

Re: My quick review & some guidance needed

Just to add, for me personally you are pretty light on Bonds - by my calculation ~ 15%. But I suppose this is the asset allocation that is comfortable for you. How much benefit vs. Investing in the taxable account? Especially when factoring early retirement needs? It's this math (and ease of access...
by Wannaretireearly
Sat Jul 20, 2019 12:32 am
Forum: Personal Investments
Topic: My quick review & some guidance needed
Replies: 18
Views: 1387

Re: My quick review & some guidance needed

Just to add, for me personally you are pretty light on Bonds - by my calculation ~ 15%. But I suppose this is the asset allocation that is comfortable for you. How much benefit vs. Investing in the taxable account? Especially when factoring early retirement needs? It's this math (and ease of access...
by Wannaretireearly
Sat Jul 20, 2019 12:27 am
Forum: Personal Investments
Topic: My quick review & some guidance needed
Replies: 18
Views: 1387

Re: My quick review & some guidance needed

emlowe wrote:
Fri Jul 19, 2019 11:54 pm
Just to add, for me personally you are pretty light on Bonds - by my calculation ~ 15%. But I suppose this is the asset allocation that is comfortable for you.
Thanks. I have about 60k in Cal muni funds in taxable. Part of the 600k at Vanguard. I missed that.
by Wannaretireearly
Fri Jul 19, 2019 10:07 pm
Forum: Personal Investments
Topic: My quick review & some guidance needed
Replies: 18
Views: 1387

Re: My quick review & some guidance needed

Own house - on target to pay off in 3 years. ..... Q2: Related question, if I had $100K to invest after tax next year (just imagine ), would you still go a. then b. then c. given my goals? You did not give the details on the mortage but I would likely use the money to pay it down and also see if yo...
by Wannaretireearly
Fri Jul 19, 2019 10:04 pm
Forum: Personal Investments
Topic: My quick review & some guidance needed
Replies: 18
Views: 1387

Re: My quick review & some guidance needed

Thanks WoodSpinner! My brief answers below. Looking forward to your response! - Current Marginal Tax Bracket? 32% Federal. 9% CA (I think) - Expected Marginal Bracket when retired at 50. 12%? I dont know. Expected expenses around 100k year - Expected Expenses in Retirement? 100k/year - Expected Inco...
by Wannaretireearly
Fri Jul 19, 2019 4:51 pm
Forum: Personal Investments
Topic: My quick review & some guidance needed
Replies: 18
Views: 1387

Re: My quick review & some guidance needed

Backdoor Roths are peachy, but given your age ... and when you plan/hope to retire, you have plenty of time to do BRs later, no? So I guess I would say, maximize investment savings and retirement contributions NOW. We, too, hail from Cali. We spent our entire working lives there, and despite the HC...