Search found 456 matches
- Wed Nov 08, 2017 5:39 am
- Forum: Personal Finance (Not Investing)
- Topic: Did we make it to "The 2 Comma Club"? Maybe not?
- Replies: 21
- Views: 3851
Re: Did we make it to "The 2 Comma Club"? Maybe not?
Are your retirement accounts all Roth type? If not then you'll owe taxes on some or all of it. So IMO actual true value of retirement accounts is probably smaller than listed.
- Sun May 07, 2017 10:25 am
- Forum: Personal Finance (Not Investing)
- Topic: Stay home with kids?
- Replies: 103
- Views: 9359
Re: Stay home with kids?
No inheritance. No windfall. We've never made six figures...combined.....and we still chose one parent stay at home full time. Zero savings for years.
Not really even close. Well worth it.
Not really even close. Well worth it.

- Fri May 05, 2017 6:26 pm
- Forum: Personal Consumer Issues
- Topic: Recommended Washer/Dryer Set
- Replies: 25
- Views: 2663
Re: Recommended Washer/Dryer Set
We bought new Speed Queen washer and dryer less than two years ago. Noise and vibration issues galore. I need to call them out for dryer again soon...probably will need a new drum. Rollers already replaced. Good thing I have a 5 year warranty (got in on a special that added two years). I'm aware I a...
- Sun Dec 25, 2016 7:41 am
- Forum: Personal Finance (Not Investing)
- Topic: Reliable washer/dryer brands
- Replies: 42
- Views: 8144
Re: Reliable washer/dryer brands
We bought a new dryer and a new washer about 11 months ago.....both Speed Queen. Unfortunately in our case they have both been disappointing. (First call about 8 months ago was for a bad bearing that was replaced. Several months later the call was for the washer which needed a new spring (spin cycle...
- Sat Dec 10, 2016 2:36 pm
- Forum: Local Chapters and Bogleheads Community
- Topic: Boglehead's newest millionaire
- Replies: 89
- Views: 10845
Re: Boglehead's newest millionaire
Well, I hinted to my wife that we were close last night. I re-calculated it this morning, and my work 401K numbers must not have adjusted until after 6:00 last night. But after the adjustment, I gained another $600 or so and that put us over the 1,000,000 total. I really wanted to know the exact da...
- Sun May 22, 2016 6:41 am
- Forum: Personal Finance (Not Investing)
- Topic: Work or stay at home mom or change careers
- Replies: 64
- Views: 6309
Re: Work or stay at home mom or change careers
Stay at home! Though she only worked part time she did have outstanding benefits, so it stung quite a bit when she quit. Actually I wanted us both to work part time instead of her quitting but it wasn't feasible for me....though I got to work plenty of 32 hour weeks instead of 40+. 

- Thu Apr 21, 2016 5:35 am
- Forum: Personal Consumer Issues
- Topic: Any stay at home parents regret the decision?
- Replies: 100
- Views: 13409
Re: Any stay at home parents regret the decision?
My wife went from 25-30 hours to about 20 hours after first kid was born and I went from 44-48 to 40 and we did part time daycare. After second kid my wife quit altogether.....and I continue to work 40 (no p/t option for me) No regrets. I just asked my wife if she misses work....and she said not at ...
- Sun Mar 13, 2016 8:15 pm
- Forum: Investing - Theory, News & General
- Topic: Late Starters
- Replies: 61
- Views: 6955
Re: Late Starters
Zero savings until 30 and negative net worth until 35. We've never made six figures...combined...and no inheritances. With one modest non-cola pension...we should be able to retire at 60-62.
- Sat Mar 05, 2016 7:22 am
- Forum: Personal Consumer Issues
- Topic: Sump Pump replacement
- Replies: 21
- Views: 2218
Re: Sump Pump replacement
I just replaced mine after 13 years.
The new pump along with some new pipe and cement cost me about $125 and about 3 hours of time including store trip and some quick comparison shopping. Menards store brand...Barracuda.
The new pump along with some new pipe and cement cost me about $125 and about 3 hours of time including store trip and some quick comparison shopping. Menards store brand...Barracuda.
- Mon Feb 29, 2016 9:21 pm
- Forum: Personal Consumer Issues
- Topic: [Any risk in] Paying cash for services [when offered a discount]
- Replies: 61
- Views: 9368
Re: Paying cash for services
IMO Tax dodging.
I had a contractor years ago that charged 20% more if you didn't pay with cash.
I had a contractor years ago that charged 20% more if you didn't pay with cash.
- Sun Feb 28, 2016 11:40 am
- Forum: Personal Finance (Not Investing)
- Topic: Maxing tax deferred contributions or saving for a home
- Replies: 4
- Views: 523
Re: Maxing tax deferred contributions or saving for a home
In your case I'd say keep renting and keep maxing.
Don't buy a home for the wrong reasons.
Don't buy a home for the wrong reasons.
- Fri Feb 19, 2016 6:51 am
- Forum: Personal Consumer Issues
- Topic: Leave Thermostat Alone or Adjust It?
- Replies: 81
- Views: 7165
Re: Leave Thermostat Alone or Adjust It?
Winter 69 during day and 67 at night. Natural gas.
- Sat Jan 09, 2016 9:20 am
- Forum: Investing - Help with Personal Investments
- Topic: Roth IRA - Invest all in January or spread throughout the year?
- Replies: 24
- Views: 3141
Re: Roth IRA - Invest all in January or spread throughout the year?
We usually make contributions once per year around Feb. (bonus time for me)
- Sun Dec 06, 2015 11:34 am
- Forum: Personal Finance (Not Investing)
- Topic: What age did you hit $100,000?
- Replies: 136
- Views: 23965
Re: What age did you hit $100,000?
Our NW reached zero at around 35 and hit 100k around 40.
(no inheritances and we always make <6 figures combined)
At almost 50 we have recently dropped our savings quite a bit to enjoy 'in the now' more.
(no inheritances and we always make <6 figures combined)
At almost 50 we have recently dropped our savings quite a bit to enjoy 'in the now' more.
- Sun Nov 29, 2015 8:36 am
- Forum: Investing - Help with Personal Investments
- Topic: Too much in tax-advantaged accounts?
- Replies: 115
- Views: 14366
Re: Too much in tax-advantaged accounts?
I dropped my retirement savings to about 10k a year. My wife now saves only 2k a year in a Roth. We were saving 22k a year recently. We are both approaching age 50 with no inheritances, a minimal future pension, and minimal taxable. As the taxable grows we spend it down. We want to live (and spend) ...
- Sun Oct 25, 2015 8:43 am
- Forum: Personal Finance (Not Investing)
- Topic: Age when you started to max out your retirement accounts?
- Replies: 177
- Views: 30384
Re: Age when you started to max out your retirement accounts?
Only ever maxed out one year... and we were in our early 40's.
- Fri Oct 09, 2015 3:57 pm
- Forum: Personal Consumer Issues
- Topic: Tipping at a Barbershop
- Replies: 54
- Views: 6244
Re: Tipping at a Barbershop
I get about 15 haircuts a year. $12 + $3 tip.
- Mon Sep 07, 2015 9:07 am
- Forum: Investing - Help with Personal Investments
- Topic: Help! Wife and I don't know what to do with our money!!
- Replies: 64
- Views: 9498
Re: Help! Wife and I don't know what to do with our money!!
You could consider your retirement fully funded! Just use withdrawals from your account to fully fund your Roths every year and to offset your reduced net take home pay that will happen when you fully fund your 401ks. Must feel neat to be done saving for retirement in your 20's! Though not very tax ...
- Sun Aug 30, 2015 5:24 am
- Forum: Investing - Theory, News & General
- Topic: Aug 2015 correction: what Bogleheads did...
- Replies: 143
- Views: 13007
Re: Aug 2015 correction: what Bogleheads did...
I consider this Monday being the 31st and next Monday being Labor day.
- Sun Jul 05, 2015 7:52 am
- Forum: Investing - Theory, News & General
- Topic: What ratio are you stocks/bonds and how old are you?
- Replies: 278
- Views: 39564
Re: What ratio are you stocks/bonds and how old are you?
In our mid and upper 40's.....been 50/50 for years.
Love the simplicity.
We'll probably change our allocation once roughly 15 years from now to 1/3 and 2/3......or to 1/4 and 3/4.
Love the simplicity.
We'll probably change our allocation once roughly 15 years from now to 1/3 and 2/3......or to 1/4 and 3/4.
- Wed Jun 10, 2015 6:04 am
- Forum: Personal Finance (Not Investing)
- Topic: Inheritance and Economic Outpatient Care for a Boglehead
- Replies: 70
- Views: 6648
Re: Inheritance and Economic Outpatient Care for a Boglehead
6%
Vast majority in the form of gifts during my 20's and 30's. Very little total inheritances.
Vast majority in the form of gifts during my 20's and 30's. Very little total inheritances.
- Tue Feb 24, 2015 1:18 pm
- Forum: Personal Finance (Not Investing)
- Topic: Do we have enough to retire?
- Replies: 51
- Views: 12354
Re: Do we have enough to retire?
Yes you have enough to retire rather easily.
- Wed Feb 11, 2015 2:40 pm
- Forum: Investing - Theory, News & General
- Topic: Primecap: The Best Stock Pickers You've Never Seen
- Replies: 32
- Views: 5588
Re: Primecap [Kiplinger article]
Core here since it opened.
I'm guessing probably time to dump it now.
I'm guessing probably time to dump it now.
- Tue Jan 06, 2015 2:29 pm
- Forum: Personal Finance (Not Investing)
- Topic: Do you generally spend more when using credit cards?
- Replies: 71
- Views: 4539
Re: Do you generally spend more when using credit cards?
Yes.
I didn't start using credit cards until I was over 35. And absolutely no doubt about it....I spend a little more now because of the cards. But I don't consider that a bad thing.
I didn't start using credit cards until I was over 35. And absolutely no doubt about it....I spend a little more now because of the cards. But I don't consider that a bad thing.

- Sat Dec 20, 2014 8:29 pm
- Forum: Personal Consumer Issues
- Topic: Major Life Decision -- Do we need to keep working?
- Replies: 56
- Views: 8905
Re: Major Life Decision -- Do we need to keep working?
Since you are interested in either consulting or working fun jobs after you "retire"....the answer is an easy NO.
- Mon Dec 08, 2014 4:36 pm
- Forum: Personal Finance (Not Investing)
- Topic: Am I being cheap? [wedding/engagement ring]
- Replies: 192
- Views: 14482
Re: Am I being cheap? [wedding/engagement ring]
Most women are attracted to conspicuous consumption, particularly if the spending is on them, and especially so when it involves a possible mate.
Make her happy and buy it.
Make her happy and buy it.
- Fri Aug 22, 2014 8:32 am
- Forum: Personal Consumer Issues
- Topic: Do you tip on the tax? [Restaurants]
- Replies: 124
- Views: 9007
Re: Do you tip on the tax?
I'm surprised so many people tip percentage. Person 1 at a table orders a $10 pasta dish. Person 2 orders a $30 steak. Same amount of interaction with the wait staff. Think drinks too. Person 1 orders Bud. Person 2 orders Chimay. Same work for the bartender/waiter. Why tip differently? I tip on qua...
- Mon Aug 18, 2014 3:26 pm
- Forum: Investing - Theory, News & General
- Topic: Your biggest "Missed Money" event that still kills you?
- Replies: 102
- Views: 11666
Re: Your biggest "Missed Money" event that still kills you?
About 7 years ago my wife said would we should by stock in this new eatery that had opened up nearby.
She loved the food!
I did my investigation and analysis and determined that we had already missed the easy money and that Chipotle stock wasn't going much higher anytime soon.
She loved the food!
I did my investigation and analysis and determined that we had already missed the easy money and that Chipotle stock wasn't going much higher anytime soon.

- Mon Aug 18, 2014 11:45 am
- Forum: Personal Finance (Not Investing)
- Topic: How much do you plan to save in your 529 plan?
- Replies: 105
- Views: 17301
Re: How much do you plan to save in your 529 plan?
Nothing.
We have never maxed out our retirement savings and probably never will.
We have never maxed out our retirement savings and probably never will.
- Mon Aug 11, 2014 9:06 am
- Forum: Personal Consumer Issues
- Topic: Convince me I can make a dumb (car-related) purchase
- Replies: 56
- Views: 9274
Re: Convince me I can make a dumb (car-related) purchase
Used? You can afford a new S5 or Cayman.
Go for it!
Go for it!
- Tue Aug 05, 2014 1:16 pm
- Forum: Personal Consumer Issues
- Topic: average American eats out 203 times per year
- Replies: 105
- Views: 9733
Re: average American eats out 203 times per year
Roughly 300 for us.
- Mon Jul 21, 2014 4:11 pm
- Forum: Personal Finance (Not Investing)
- Topic: Hw many credit cards to own?
- Replies: 123
- Views: 84058
Re: Hw many credit cards to own?
3 with total annual fees of about $220.
- Sun Jul 20, 2014 6:23 pm
- Forum: Investing - Help with Personal Investments
- Topic: Helping My Grandmother
- Replies: 54
- Views: 4569
Re: Helping My Grandmother
Can she work?
My Mom went back to work at 66 for 11 more years working part-time in a restaurant kitchen. She made an additional 4-7k annually during those years....and really enjoyed it for the most part.
My Mom went back to work at 66 for 11 more years working part-time in a restaurant kitchen. She made an additional 4-7k annually during those years....and really enjoyed it for the most part.
- Wed Jul 16, 2014 8:30 am
- Forum: Investing - Theory, News & General
- Topic: Millennials (with jobs) are super-saving their retirement
- Replies: 65
- Views: 12675
Re: Millennials (with jobs) are super-saving their retiremen
I'm seeing the same thing. It seems like most of the newer kids (age 20's) where I'm at are definitely active in retirement savings. One I started working with early last year started at 19 in 2007 while in college and hit six figures saved well over a year ago before he was 25.....all the while enj...
- Sun Jun 29, 2014 7:53 pm
- Forum: Personal Consumer Issues
- Topic: The Millionaire Next Door: Are You One?
- Replies: 187
- Views: 29039
Re: The Millionaire Next Door: Are You One?
Nope.
Not a millionaire AND new car shopping to boot.
Not a millionaire AND new car shopping to boot.

- Mon Jun 23, 2014 3:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: Is Medical School Worth it Financially?
- Replies: 66
- Views: 8057
Re: Is Medical School Worth it Financially?
I just visited a ENT doctor recently who examined me for several minutes and suggested a procedure to be done on a different day. A couple weeks later I got a statement from my insurance showing charges of over $600 including a $400 one for surgery. I called insurance company and mentioned the surge...
- Fri Jun 20, 2014 2:02 pm
- Forum: Personal Finance (Not Investing)
- Topic: Late starters: what age did you start investing?
- Replies: 94
- Views: 14773
Re: Late starters: what age did you start investing?
I was about 32 and my wife was almost 30. Our net worth remained negative for the first 3 years or so.
- Fri Jun 13, 2014 12:46 pm
- Forum: Investing - Help with Personal Investments
- Topic: Should I buy time in my gov't pension plan?
- Replies: 24
- Views: 2894
Re: Should I buy time in my gov't pension plan?
I'd say do it.
They may have changed it a bit in 2012, but that's minor to what will most likely happen in the future IMO.
They may have changed it a bit in 2012, but that's minor to what will most likely happen in the future IMO.
- Sun May 25, 2014 3:07 pm
- Forum: Personal Finance (Not Investing)
- Topic: The in-laws are broke!
- Replies: 128
- Views: 19706
Re: The in-laws are broke!
Yeah home equity should help out. My in-laws are broke finally after having sold there house and spending all the home equity they got....mostly on vacations. Hey you can NOT take it with you...so I'm glad they enjoyed their 60's immensely. They have enough steady income to take of themselves till t...
- Fri May 23, 2014 8:15 pm
- Forum: Personal Finance (Not Investing)
- Topic: Recommended savings rate
- Replies: 9
- Views: 1375
Re: Recommended savings rate
Yes it does.
- Sat May 03, 2014 11:36 am
- Forum: Personal Finance (Not Investing)
- Topic: Why am i stressed after being laid off? (3yr expenses saved)
- Replies: 15
- Views: 3187
Re: Why am i stressed after being laid off? (3yr expenses sa
Then again it might help. I met my wife over 20 years ago while unemployed (and in debt). Had I been working with much less free time...I doubt I would have ever met her.This will also drastically impact your mating opportunities.
- Thu Apr 24, 2014 3:37 pm
- Forum: Personal Finance (Not Investing)
- Topic: Tell Me I'm Stupid To Consider Quitting My Job and Moving
- Replies: 163
- Views: 44584
Re: Tell Me I'm Stupid To Consider Quitting My Job and Movin
I had a friend who quit a stable engineering job in Ohio in his late 20's back in the 1980's. After quitting he spent about two years traveling and working odd jobs. He spent roughly a year in Montana and eventually made his way to Alaska. Shortly thereafter he re-entered the engineering profession,...
- Thu Apr 24, 2014 1:35 pm
- Forum: Investing - Theory, News & General
- Topic: Lottery value more than 4 times all possible tickets
- Replies: 13
- Views: 2751
Re: Lottery value more than 4 times all possible tickets
people (or amount) X10Having $13.9 million in cash. Maybe 139 each adding $10,000 or 1,390 people each adding $1,000.

- Sat Apr 19, 2014 12:43 pm
- Forum: Personal Finance (Not Investing)
- Topic: POLL: why carry cash?
- Replies: 243
- Views: 21491
Re: POLL: why carry cash?
About 25% of our grocery and toiletry shopping is done at a regional chain store that does not take credit cards to keep costs down. And I hate writing checks.
- Fri Mar 28, 2014 6:06 pm
- Forum: Personal Finance (Not Investing)
- Topic: What age did you reach 100K networth?
- Replies: 299
- Views: 64173
Re: What age did you reach 100K networth?
I think I was 39. We've never made 100k combined in a year yet (she works p/t) and might never actually do so.....and zero inheritances. 

- Mon Mar 24, 2014 1:17 pm
- Forum: Personal Finance (Not Investing)
- Topic: Can you please convince me to get a credit card?
- Replies: 101
- Views: 99305
Re: Convince me to get a credit card
We use credit cards a lot. Total annual fees on our 3 cards are about $220. And every year or so when I do the math they are more than justified (vs. strictly no annual fee options).....for the way we use them. But I make no mistake in realizing they indeed do influence our spending. Absolutely no d...
- Sun Mar 16, 2014 6:14 am
- Forum: Personal Consumer Issues
- Topic: Was frugality a mistake? The downsides of saving too much.
- Replies: 115
- Views: 16634
Re: Was frugality a mistake? The downsides of saving too mu
I had a blast during my 20's which ended with zero savings at 30 and a negative net worth for several more years after that. Absolutely no regrets. We have never made 6 figures....combined! We buy new cars every decade. We spend hundreds a month eating out and thousands a year traveling. Zero inheri...
- Mon Feb 10, 2014 6:40 am
- Forum: Personal Finance (Not Investing)
- Topic: How long does it take to do your taxes?
- Replies: 53
- Views: 27921
Re: How long does it take to do your taxes?
Federal, State, local all in one hour max.
Already got both refunds last week. State early in the week and Fed a few days later. Was part of a pilot program that allowed for early e-filing though IRS didn't process filing till the 31st.
Already got both refunds last week. State early in the week and Fed a few days later. Was part of a pilot program that allowed for early e-filing though IRS didn't process filing till the 31st.
- Wed Jan 01, 2014 12:58 am
- Forum: Personal Consumer Issues
- Topic: What is your winter thermostat setting (while you are up)?
- Replies: 116
- Views: 12612
Re: What is your winter thermostat setting (while you are up
68 or 69 during the day and usually 67 at night.
- Sun Dec 29, 2013 10:24 am
- Forum: Personal Finance (Not Investing)
- Topic: Social Security estimates if early retiring?
- Replies: 15
- Views: 1979
Re: Social Security estimates if early retiring?
I use simple SS calculator to get value at 62.
Then I divide by 0.7 to get FRA at 67.
Then I multiply by 1.24 to get delayed value at 70.
Then I divide by 0.7 to get FRA at 67.
Then I multiply by 1.24 to get delayed value at 70.