Search found 375 matches

by jjunk
Mon Nov 23, 2020 4:49 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2288
Views: 239346

Re: [What TV Show Have You Recently Watched?]

Finished up "Good Lord Bird" on Showtime last night, the fictionalized story of John Brown from the novel of the same name. It was a good watch. Ethan Hawke as Brown was fantastic. Just finished this as well and loved it. Hawkes version of Brown was really, really good. The Mandalorian is...
by jjunk
Wed Nov 18, 2020 11:37 am
Forum: Personal Investments
Topic: Fidelity $75 fee for Vanguard Funds
Replies: 44
Views: 4623

Re: Fidelity $75 fee for Vanguard Funds

VTSAX -> FSKAX
VTIAX -> FSPSX (or FZILX)
VBTLX -> FXNAX

Alternatively, you can use the free trade iShares ETFs as well.
by jjunk
Sat Nov 14, 2020 12:42 pm
Forum: Personal Investments
Topic: Another...can I retire post (47YO)
Replies: 41
Views: 5667

Re: Another...can I retire post (47YO)

That's the best plan. I worry you are running the tape longer than it has to run. But in terms of being in as good a position financially as you can be, for you and your spouse, with the hard constraint that if you don't retire you aren't likely to have many good years in retirement, then it's the ...
by jjunk
Sat Nov 14, 2020 12:41 pm
Forum: Personal Investments
Topic: Another...can I retire post (47YO)
Replies: 41
Views: 5667

Re: Another...can I retire post (47YO)

It is interesting how this thread is generally favorable with regards to being able to retire yet other threads with similar assets might be met with more skepticism. Maybe the difference is there is a health care issue present. Absent from the replies were grilling over future health care costs, f...
by jjunk
Sat Nov 14, 2020 12:37 pm
Forum: Personal Investments
Topic: Another...can I retire post (47YO)
Replies: 41
Views: 5667

Re: Another...can I retire post (47YO)

I ran your numbers and did a number of complex analysis on some very fancy spreadsheets. After running some patented algorithms, I have reached the conclusion: Health is worth more than all the Money is the world combined. Trust you me, I speak from experience. LOL. Thanks for the advice (and for r...
by jjunk
Fri Nov 13, 2020 2:54 pm
Forum: Personal Investments
Topic: Buying Vanguard funds on Merrill Edge
Replies: 11
Views: 474

Re: Buying Vanguard funds on Merrill Edge

Take a look at iShares Core Moderate Allocation (AOM). It's a 60/40 ETF offered by iShares. The ER is 0.25%, so a little higher that the Vanguard mutual fund. But you'd likely make that back by using a BofA Preferred Rewards credit card. Thanks. I'll take a look at this one. I guess I should have r...
by jjunk
Fri Nov 13, 2020 2:40 pm
Forum: Personal Investments
Topic: Buying Vanguard funds on Merrill Edge
Replies: 11
Views: 474

Re: Buying Vanguard funds on Merrill Edge

you can probably get away with two funds.. total stock and total bond to simulate the balanced fund.. and that gives you the flexibility to decide what to tell and when and what to put in various accounts. I have been trying to simlify for my wife in case i get hit by the bus. We hold VT (Total wor...
by jjunk
Fri Nov 13, 2020 2:28 pm
Forum: Personal Investments
Topic: Buying Vanguard funds on Merrill Edge
Replies: 11
Views: 474

Re: Buying Vanguard funds on Merrill Edge

comment removed. I didnt realize there was an ETF for it. What is the ticker? I dont see one online but I could just be missing it. there isn't... if you don't want to hold mutual funds at the issuer, ETF's are the "in general" answer. The question is are you married to this fund? if so, ...
by jjunk
Fri Nov 13, 2020 2:22 pm
Forum: Personal Investments
Topic: Buying Vanguard funds on Merrill Edge
Replies: 11
Views: 474

Re: Buying Vanguard funds on Merrill Edge

Soon2BXProgrammer wrote: Fri Nov 13, 2020 2:21 pm comment removed.
I didnt realize there was an ETF for it. What is the ticker? I dont see one online but I could just be missing it.
by jjunk
Fri Nov 13, 2020 2:12 pm
Forum: Personal Investments
Topic: Buying Vanguard funds on Merrill Edge
Replies: 11
Views: 474

Re: Buying Vanguard funds on Merrill Edge

Got it. Thanks for the quick reply. Is that a one time fee or is it charged on every purchase?
by jjunk
Fri Nov 13, 2020 1:53 pm
Forum: Personal Investments
Topic: Buying Vanguard funds on Merrill Edge
Replies: 11
Views: 474

Buying Vanguard funds on Merrill Edge

I'm considering a move from Fidelity to Merrill Edge. Although I've generally been happy with Fidelity, in an attempt to simplify, I've decided to move most of my assets into Vanguard Balanced Index (VBIAX). I'm 60/40 today and this makes it a one stop shop. Fidelity charges a $75 transaction fee fo...
by jjunk
Fri Nov 13, 2020 10:52 am
Forum: Personal Investments
Topic: Another...can I retire post (47YO)
Replies: 41
Views: 5667

Re: Another...can I retire post (47YO)

Sabbatical year? Surgery and recovery is pretty compelling reason I'd love to do that but I'm one level below the sabbatical level in my company. I think I'm going to try to hold out another year, possibly see if I can find another job within my company and if not, get the surgery done as soon as i...
by jjunk
Thu Nov 12, 2020 4:02 pm
Forum: Personal Investments
Topic: Another...can I retire post (47YO)
Replies: 41
Views: 5667

Re: Another...can I retire post (47YO)

If I had your money and expenses I would retire tonight via an email to my supervisor ESPECIALLY given your health issues/concerns. The biggest BUT to the above would be why not get your health procedures addressed RIGHT NOW to handle them while employed? Take advantage of using sick leave, vacatio...
by jjunk
Thu Nov 12, 2020 2:31 pm
Forum: Personal Investments
Topic: Another...can I retire post (47YO)
Replies: 41
Views: 5667

Re: Another...can I retire post (47YO)

Surely you recogniize that if your assessmemt of market value of housing is correct, then your rent situation is not sustainable. Correct. We realize we're likely going to need to move at some point as rents go up. We currently avg 10-12% increase/yr. We have been successful in renegotiating that d...
by jjunk
Thu Nov 12, 2020 2:05 pm
Forum: Personal Investments
Topic: Another...can I retire post (47YO)
Replies: 41
Views: 5667

Re: Another...can I retire post (47YO)

I concur with the above poster and agree you should purchase a home outright with some of your fixed income investments. I think your 60/40 allocation is on the more conservative side due to your (and your wife's) young age. I would lean towards 70/30 or even 80/20. With your current 60/40 allocati...
by jjunk
Thu Nov 12, 2020 2:02 pm
Forum: Personal Investments
Topic: Another...can I retire post (47YO)
Replies: 41
Views: 5667

Re: Another...can I retire post (47YO)

Is there some reason you have to wait for the surgery? Can you just get it down while employed and covered by medical and disability? If it is some sort of degenerative condition, the outcome usually doesn't improve with time. My surgeon has recommended waiting due to the recent increases in COVID ...
by jjunk
Thu Nov 12, 2020 2:00 pm
Forum: Personal Investments
Topic: Another...can I retire post (47YO)
Replies: 41
Views: 5667

Re: Another...can I retire post (47YO)

I think you're good to retire. The potential for rent increasing faster than expected would worry me a bit though. Have you thought about buying a house to reduce that risk? We'd considered buying but pricing in the areas we want to live doesnt fit very well. For example, although my rent is 3k/mo,...
by jjunk
Wed Nov 11, 2020 8:06 pm
Forum: Personal Investments
Topic: Another...can I retire post (47YO)
Replies: 41
Views: 5667

Re: Another...can I retire post (47YO)

@jjunk Looks ok to me, on paper. Can you realistically live on $96k per year? If yes, go for it. If you are in a FIRE status, any income you decide to earn is gravy and can be added to capital. Yes, we can easily live on 96k/yr so long as housing isnt out of control. As renters, we can control that...
by jjunk
Wed Nov 11, 2020 2:59 pm
Forum: Personal Investments
Topic: Another...can I retire post (47YO)
Replies: 41
Views: 5667

Re: Another...can I retire post (47YO)

I just dont know if I can make it to the summer without having a stroke :annoyed If that is a realistic medical possibility, that would be a significant argument for pursuing your retirement plan. Worst case, you or your wife can look for a job with health insurance coverage if it becomes a necessi...
by jjunk
Wed Nov 11, 2020 2:26 pm
Forum: Personal Investments
Topic: Another...can I retire post (47YO)
Replies: 41
Views: 5667

Re: Another...can I retire post (47YO)

Escapevelocity wrote: Wed Nov 11, 2020 2:15 pm Your wife is going to keep working? For how long? Will her employer provide benefits to both of you? What is her income?
Sorry, I should have specified, she doesnt work. I'll amend that.
by jjunk
Wed Nov 11, 2020 2:26 pm
Forum: Personal Investments
Topic: Another...can I retire post (47YO)
Replies: 41
Views: 5667

Re: Another...can I retire post (47YO)

A few questions to help fill out some gaps in your information. 1) How much Social Security do you expect to get if you stop working now? When you get the estimate be sure to specify that you would stop working, it defaults to assume that you will keep working. You use this web site to get a sugges...
by jjunk
Wed Nov 11, 2020 2:13 pm
Forum: Personal Investments
Topic: Another...can I retire post (47YO)
Replies: 41
Views: 5667

Re: Another...can I retire post (47YO)

One thing I would think about is health insurance. If ACA was struck down by SCOTUS, how would this impact your plans considering your healthcare needs? (we will presumably know by next summer, maybe earlier) Yes, I have enough credits for SS. I dont use it in planning to keep things simple and it ...
by jjunk
Wed Nov 11, 2020 1:30 pm
Forum: Personal Investments
Topic: Another...can I retire post (47YO)
Replies: 41
Views: 5667

Re: Another...can I retire post (47YO)

radiowave wrote: Wed Nov 11, 2020 1:26 pm OP you may want to read this concurrent thread: viewtopic.php?p=5589440#p5589440
Thanks. I'd seen that thread but their situation and account layout were significantly different enough that I thought this might warrant its own thread.
by jjunk
Wed Nov 11, 2020 1:23 pm
Forum: Personal Investments
Topic: Another...can I retire post (47YO)
Replies: 41
Views: 5667

Another...can I retire post (47YO)

I'm considering retiring because of how much my job is impacting my health (mental/physical). If I leave my current role, I dont plan on re-entering the workforce, at least not for a while. If I re-entered the workforce I'd take a very, very large pay cut so I realize this is likely "it" f...
by jjunk
Fri Oct 09, 2020 6:14 pm
Forum: Personal Investments
Topic: Fidelity U.S. Bond Index Fund (FXNAX)
Replies: 13
Views: 808

Re: Fidelity U.S. Bond Index Fund (FXNAX)

Thanks to Bogleheads that I don't hold the bond fund in my taxable account. Phew...capital gains.... Luckily they arent exactly huge capital gains. I hold this in tax deferred and taxable and the impact will be minimal on the taxable account. Sigh...having to pay a lot of tax on fixed income distri...
by jjunk
Fri Oct 09, 2020 6:02 pm
Forum: Personal Investments
Topic: Fidelity U.S. Bond Index Fund (FXNAX)
Replies: 13
Views: 808

Re: Fidelity U.S. Bond Index Fund (FXNAX)

big bang wrote: Fri Oct 09, 2020 5:52 pm Thanks to Bogleheads that I don't hold the bond fund in my taxable account.
Phew...capital gains....
Luckily they arent exactly huge capital gains. I hold this in tax deferred and taxable and the impact will be minimal on the taxable account.
by jjunk
Tue Oct 06, 2020 6:30 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4761
Views: 1295311

Re: What Book Are You Currently Reading? Part VI

On a Pale Horse by Piers Anthony.

I rarely read fiction but I remember loving this book as a kid and wanted to finish the entire series now that I am looking to read more fiction again. Still excellent 30yrs later.
by jjunk
Sat Sep 26, 2020 11:07 am
Forum: Personal Investments
Topic: Buckets in Retirement
Replies: 97
Views: 7755

Re: Buckets in Retirement

I'm not retired yet but am planning to in the next 2-5yrs. We're in the process of building a cash "bucket" mostly because we plan to use the ACA for insurance and it is gated on MAGI. Having a few years of expenses in cash allows us to better control MAGI, staves off a portion of sequenc...
by jjunk
Fri Sep 25, 2020 1:50 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2288
Views: 239346

Re: [What TV Show Have You Recently Watched?]

Ramy on Hulu. Absolutely hilarious. Thanks, hadn't heard of it despite some kudos. Youssef received the Golden Globe Award for Best Actor in a Television Series Musical or Comedy in January. I tried s1e1 last night. Very interesting from a sociological perspective. A young, single, Egyptian-America...
by jjunk
Thu Sep 24, 2020 6:08 pm
Forum: Personal Consumer Issues
Topic: Buying a house in a city with historically declining housing prices?
Replies: 17
Views: 1890

Re: Buying a house in a city with historically declining housing prices?

Since you already have a place you're renting which isnt that far off from what you're looking at from a P&I perspective, I'd only think about buying if being a home owner is a lifestyle choice you are interested in vs. investment return. The one thing with Cleveland is that the "nice"...
by jjunk
Thu Sep 24, 2020 3:23 pm
Forum: Personal Investments
Topic: Buckets in Retirement
Replies: 97
Views: 7755

Re: Buckets in Retirement

I'm not retired yet but am planning to in the next 2-5yrs. We're in the process of building a cash "bucket" mostly because we plan to use the ACA for insurance and it is gated on MAGI. Having a few years of expenses in cash allows us to better control MAGI, staves off a portion of sequence...
by jjunk
Wed Sep 23, 2020 11:26 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2288
Views: 239346

Re: [What TV Show Have You Recently Watched?]

Ramy on Hulu. Absolutely hilarious.
by jjunk
Sun Sep 20, 2020 11:15 am
Forum: Personal Consumer Issues
Topic: Best shoes for running?
Replies: 65
Views: 3354

Re: Best shoes for running?

The ones which fit you properly and match your foot strike. Find a good running store with knowledgeable staff.
by jjunk
Wed Sep 16, 2020 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for retirement in mid 30s
Replies: 311
Views: 21127

Re: Preparing for retirement in mid 30s

Retiring in your 30’s with a $1.5M portfolio and a solid plan to spend the rest of your life on healthcare intended for the poor. Very classy. You do realize the ACA was created for people without insurance correct? While that definitely includes lower income individuals it also includes the self-e...
by jjunk
Mon Sep 07, 2020 6:00 pm
Forum: Personal Consumer Issues
Topic: Help me choose 2 audible books!
Replies: 32
Views: 1598

Re: Help me choose 2 audible books!

I dont do a ton of audio books but the ones I always enjoy are those that are autobiographical in nature and read by the author. Comedians are particularly good at this IMO. For example, I really enjoyed both Kevin Hart and Tiffany Haddish's audiobooks. Adam Corolla's are also pretty funny. If you l...
by jjunk
Mon Sep 07, 2020 10:11 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2288
Views: 239346

Re: [What TV Show Have You Recently Watched?]

We spent all day yesterday on the couch and binged both Cobra Kai and Away on Netflix. I'd recommend both.
by jjunk
Mon Aug 17, 2020 1:29 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving Seattle or Vancouver, WA
Replies: 88
Views: 6381

Re: Thinking of moving Seattle or Vancouver, WA

One more thing. I do not know how Seattle and Vancouver are but I was in Portland last year and the number of homeless people was an order of magnitude higher there than when I lived there. That seems to be a bigger problem in certain parts west coast cities and when the homeless people do things l...
by jjunk
Mon Aug 17, 2020 1:14 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving Seattle or Vancouver, WA
Replies: 88
Views: 6381

Re: Thinking of moving Seattle or Vancouver, WA

650K wont get you much in the Seattle area, unless you're looking for a small fixer or want to live further out of town. Depending on what you want, the recommendations would vary quite a bit. For example, I live in downtown Bellevue and you cant buy a place here unless you double your budget. IMO, ...
by jjunk
Wed Aug 05, 2020 4:46 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 8963

Re: Overcoming the fear of an early retirement

I have ~11yrs of expenses in bonds atm (across all accounts). I have ~5yrs of that in my taxable account. My intent was to utilize the bonds in taxable alongside my stock dividends to fund expenses in retirement until they've been depleted and hope I can make it where I can start tapping the remain...
by jjunk
Wed Aug 05, 2020 11:51 am
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 8963

Re: Overcoming the fear of an early retirement

My situation is that I'm in my late 40's and we mathematically have enough to retire early. I really dont enjoy my job any longer. I feel stuck between a job I'm pretty sure is killing me and the fear that I cant mess this thing up by dropping out of the rat race early. Wow. You don't enjoy it? Or ...
by jjunk
Wed Aug 05, 2020 11:42 am
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 8963

Re: Overcoming the fear of an early retirement

It sounds like with your health sabbatical you have a great opportunity to redefine your path Scenarios: 1 after months at home you become bored and go back to work with new sense of purpose 2 after months at home you have great sense of relief, and having been away you realize that life goes on wi...
by jjunk
Wed Aug 05, 2020 11:37 am
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 8963

Re: Overcoming the fear of an early retirement

I'm wondering how others who are considering retiring are handling the current environment. My situation is that I'm in my late 40's and we mathematically have enough to retire early. I say mathematically because if I were to use my current net worth, I'd be at ~3.4%SWR while living my "best l...
by jjunk
Wed Aug 05, 2020 11:34 am
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 8963

Re: Overcoming the fear of an early retirement

I have ~11yrs of expenses in bonds atm (across all accounts). I have ~5yrs of that in my taxable account. My intent was to utilize the bonds in taxable alongside my stock dividends to fund expenses in retirement until they've been depleted and hope I can make it where I can start tapping the remain...
by jjunk
Wed Aug 05, 2020 12:33 am
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 8963

Re: Overcoming the fear of an early retirement

Without getting into politics, between the election, COVID, the outlying economic pressures that continue to build due to the pandemic, etc etc, it seems like I'd be retiring at the exact worse time with a higher than normal chance of poor sequence of return risk. You can eliminate sequence of retu...
by jjunk
Wed Aug 05, 2020 12:28 am
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 8963

Re: Overcoming the fear of an early retirement

This perhaps is going to sound flippant, but it isn't meant to be. Have you ever thought that by remaining in a job which is stressful and which you do not enjoy, you are preventing someone else from having the opportunity to hold that position? Maybe there are others who would love to take over yo...
by jjunk
Wed Aug 05, 2020 12:25 am
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 8963

Re: Overcoming the fear of an early retirement

OP, I think you and I are in a very similar situation. My biggest hang up is health care coverage. So for now, I’m just going to keep going until the future if the ACA is settled one way or another. ACA Or equivalent is just another line item you need to account for. Get an estimate of costs at KFF...
by jjunk
Tue Aug 04, 2020 5:54 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 8963

Re: Overcoming the fear of an early retirement

Just wanted to tell you, my wife thanks you. All of your advice to this point she's apparently been giving me for the last several months and I havent heard it. For some reason, hearing it from an outside source made it sink in more. For that, we both thank you. I know how your wife feels because i...
by jjunk
Tue Aug 04, 2020 5:52 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 8963

Re: Overcoming the fear of an early retirement

My situation is that I'm in my late 40's and we mathematically have enough to retire early. I really dont enjoy my job any longer. I feel stuck between a job I'm pretty sure is killing me and the fear that I cant mess this thing up by dropping out of the rat race early. Wow. You don't enjoy it? Or ...
by jjunk
Tue Aug 04, 2020 5:49 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 8963

Re: Overcoming the fear of an early retirement

Have you considered taking a sabbatical, and if so, would your company support this? You sound burned out and maybe some extended time off would give you some perspective. I retired at 62 earlier this year and am pursuing p/t and volunteer work on top of fishing, tennis and golf several days a week...
by jjunk
Mon Aug 03, 2020 9:20 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 8963

Re: Overcoming the fear of an early retirement

I had exceedingly stressful work in corporate IT and then got laid off in the 2009-10 financial collapse. I ended up retiring before I had planned. I had taught before entering the IT world, and in retirement I'm teaching again, part-time. My health was impacted by the corporate stress (3 AM calls ...