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flyingaway

I think we both agree that 1) People don't want to voluntarily retire during bear market. 2) People don't want to voluntarily retire during bull market. I have no idea if this discussion is helping any body at all :-) What I really think is that the people who do voluntarily retire, the type of mar...

flyingaway

Aldi has several European beers, including the German ones.

flyingaway

There is no such thing as to 'calculate' what is enough...calculation suggests there is some secret math or accuracy in the term 'enough', when in reality that term is entirely born in your imagination It is never 'enough' - there are endless ways of inflating your lifestyle . Its very much a movin...

flyingaway

Enough income: income that is high enough to support your lifestyle, save at least 15% for retirment, save sufficiently for your kids' education, and retire your debts agressively. Enough asset: Asset that is equal to 33 times your gross annual expenses. TravelforFun Am not debating your 33X gross ...

flyingaway

I use ETFs in taxable to control the price I'm selling at for the purposes of TLH (and eventually TGH). It's not a big impact though: you typically have a good idea what the closing price will be in the last 20 minutes of trading, so you're unlikely to be surprised with late-day mutual fund TLHing....

flyingaway

I know my post is not replying to the OP's question but..... how do you decide your number? I just cannot! I have read many posts on this and I(no one) cannot predict the future of course but how can you decide on how much medical cost will be down the line, cost of living increases........etc etc....

flyingaway

In your taxable accounts, do you prefer to hold mutual funds or the equivalent ETFs? Why the preference?

(and if you are interested in something like tax loss harvesting?)

flyingaway

My sons.

flyingaway

After I hit my number, I did not retire, but I started to live like I am in my retirement life.

flyingaway

I am wondering why this is not considered as a kind of market timing?

flyingaway

I was planning to buy some dips today. Since it bounced back, I decided to buy a 25 day trip to Europe, Asia, and Africa.

flyingaway

Roughly skimming the last few pages of the 146 pages of this thread leads me to the assumption that Bogleheads are strong believers in market timing . They also believe that past performance is a reliable predictor of future returns, both in the short term and in the long term. No judgment here.......

flyingaway

Just wonder how many people on this board really saw this correction or market freefall coming? I will admit that I was surprised by its intensity and widespread retreat. Not only in equity but in bonds also. All the economic signs were good, earnings, job report, economy humming along, spat with C...

flyingaway

Just wonder how many people on this board really saw this correction or market freefall coming? I just wait for them patiently. I don't try to predict them, but I do try to react to them after they happen. For instance, if I made 3% on my bond fund money by exchanging that bond fund into equities y...

flyingaway

I'm going to go out on a limb and say that this is only a short-lived drop and not the beginnings of a bear market. Unemployment is trending downward and interest rates are not inverted yet. I certainly don't buy the argument that this is due to yields going up because yields are virtually unchange...

flyingaway

Every "robust" economy was followed by a recession, tech boom in 2000 and housing boom in 2008.

flyingaway

The wolf is finally coming.

flyingaway

On the other hand, I am 54 and just become financially independent a few months ago. I lost interest in pursuing money.

flyingaway

I've heard this phrase repeated often in regards to using rewards due to the inflation of rewards redemptions. My issue with this is that when i actually travel for leisure, it's often at peak demand. case in point: DW and I are flying to NYC for thanksgiving. it would have been insane, upwards of ...

flyingaway

Does moving 30% stock funds to bond funds since the beginning of 2016 count?

flyingaway

The Master Gardener's course seems to offer opportunities to volunteer if one so chooses. At the same time one obtain a lot of knowledge about the environment at the same time: http://ahsgardening.org/gardening-resources/master-gardeners I know that in Michigan, lectures are offered through Michiga...

flyingaway

That is exactly my point. As long as you can pay your bills you can do whatever you want. If it makes extra money, smile and be happy. I don't understand the concept of having something to retire to. Perhaps because I have not retired yet. When working is not too bad, I need to have something bette...

flyingaway

flyingaway, IIRC, you and I are in very similar situations, both deciding when to make the leap. I had the chance to retire at age 50 with one year pay and "COBRA till medicare" essentially. We were at about 25-30X annual expenses, so that was a factor. But I ultimately decided not to take that dea...

flyingaway

tennisplyr wrote: ↑
Fri Sep 21, 2018 6:46 pm
I retired "from" something I disliked 'work' which is overrated. Love my freedom, free time, tennis, outdoor activities, etc, etc. More to follow....no pressure.

If I have my finance part done, I really do not like a job, no matter how easy or how rewarding it is.

flyingaway

Something generally pops up. After a career in law I’m volunteer teaching Latin and AP English at a private high school...but had no idea that was on the cards when I left the firm. Agree with the general tenor of comment above that retirement is its own good. But if you’re anxious about “having so...

flyingaway

I often find it fun to stay up until 3 or 4 AM reading or watching something recorded on the DVR. Those were things I could rarely do while working. I did that too often when I was working. Now, there's not as much reason to stay up late because there's always tomorrow to pick it up. If I watch som...

flyingaway

I don't know about having something very concrete to "retire to" but I sure have a long list of possible activities -- pure leisure, learning, volunteering etc. And the usual culprits, like getting in better shape. One related point I saw in a "get ready for retirement book" is to ensure you have *...

flyingaway

After reading the responses, I feel that, maybe, a concrete plan of retirement plan is more important for early retirees. For some people who have to retire because of ages, too much money, other obligations, not so much.

flyingaway

I retired specifically to complete a singlehanded sailboat race from San Francisco to Hawaii. That was my entire plan for things to do. Money is not a big issue for us. I spent the last two years after that race getting ready for the next race which I just completed. This kept me busier than a one ...

flyingaway

Earl Lemongrab wrote: ↑
Thu Sep 20, 2018 12:15 pm
I'm not sure I exactly understand the question. What does "something solid" mean? I do the things that I enjoy except that I have more time for them than when I was working. Is anything more needed?

I meant some concrete plans, not just some vague words.

flyingaway

I think many reviews are consistent with the relative prices of the hotels. An expensive hotel usually have satisfactory reviews, because the things there are usually better than the less expensive hotels, and the one who choose to stay there can afford it. A cheap hotel usually have lousy reviews. ...

flyingaway

I originally planned to retire to reading all the books and music CDs accumulated over the years, getting reacquainted with model railroading hobby that my father and I enjoyed when I was a young boy, and doing some travelling to state fairs and air shows around the country. All that changed two ye...

flyingaway

A few years ago, we vacationed in Italy for 2 weeks. The last few days, we took the train to Lake Como. A great way to end a long vacation. At some point, I would love to stay there long term and use that as a "base" for other exploring. Long term = less than 180 days, I know...but maybe 2 or 3 mon...

flyingaway

sport wrote: ↑
Wed Sep 19, 2018 3:14 pm
I retired to a life with less stress.

I am worried to a life with more stress if there is no specific plans.

flyingaway

Sheepdog wrote: ↑
Wed Sep 19, 2018 3:25 pm
20 years ago, my retirement plan was to retire and enjoy life. I can do anything I and my wife would like to do.....anything. Don't you think that was something great to retire to?

No specific plan is the plan.

flyingaway

For those who are retired, did you really have something solid to retire to? No. I'm a lazy bum. When I retired 12 years ago I expected to fill my time doing the same things I had done before only more-so. My expectations were realized. Other than the getting-old crap, it's been wonderful. Good for...

flyingaway

I have a long list of hobbies or potential hobbies or things I want to do. Its so long that actually I wanted to put it in Excel because I will forget half of it by then. It's full of things related to sea (sailing, surfing, windsurfing, kite surfing, diving, kayaking, some fishing), mountains (cli...

flyingaway

We usually see comments here that "you need to have something to retire to"? For those who are retired, did you really have something solid to retire to? For those who plan to retire soon, do you have something in your mind that you will be retired to? Or let's retire first, and find that something ...

flyingaway

Many people say that, if they continue to work, it is not for money. Well, I have reached FI early this year and I continue to work. It is not because I love my work, it is because of the uncertainties. Eventually it is about money. If I have three times as much as I have now, I swear that I am goin...

flyingaway

I get more joy right now out of saving rather than spending. I'm there too. To be honest, it's people like you and me who are very likely to accumulate a large amount of wealth over their lifetime. And as long as it's done with the right perspective, a lot of really good things in the world can hap...

flyingaway

PFInterest wrote: ↑
Mon Sep 17, 2018 7:49 pm
MM if bonds down.
Why are you holding MM?

The interest rate risk.

flyingaway

If a correction comes and I want to rebalance a part of my fixed income into a stock fund, which one to use first: a bond fund or a money market fund?
Thinking: A bond fund has a high interest yield, but may lose value if the interest rate goes up in the current environment.

flyingaway

You can probably afford haircuts. HAHA! Actually..the hair is thinning...so I just shave my head! No need to go to a barber if he is just going to do the same thing I can do in 10 minutes! I have never had my hair cut in a barber in the U.S. in the past 25 years, my wife cut it for me. I did go to ...

flyingaway

Next year my younger son is supposed to get out of college and get a job (fingers crossed). I will be eligible for buying my employer's health insurance. The market holds up at the current level so I am financially independent. These are the three conditions that must be satisfied for me to retire n...

flyingaway

I'm still deciding when to retire. I have not really liked my job for the last few years. I still have deep respect my immediate bosses. But the culture here is going downhill. I'm in academia. And that is trickling down. The people I work with are great. But bean counting is slowly working its way...

flyingaway

I have one. I do not think it is worth, but my home insurance company requires us to have it.

flyingaway

Those are (expensive) vacations, not travel, I think. I also saw them in Bora Bora (on videos and pictures). My wife certainly wants to be there.
We normally take one or two vacations each year, and one or two travels each year.

flyingaway

You have enough to support an annual expenses pf $40,000. In fact, with your potential inheritance, you may have twice as much as needed. But life may change in the future. Kids may need money for college education, etc. If your spouse is really burnt out, it is possible to take a break. At 52, he c...

flyingaway

Vanguard Federal Money Market or Vanguard Prime Money Market. What is the difference between these two, in addition to the rates? My understanding is that you can sell and buy at any time with the Vanguard Federal Money Market fund, but you will be restricted to the normal 30 holding period for the...

flyingaway

remomnyc wrote: ↑
Sun Sep 16, 2018 8:17 am
Retired early. Buying time is the most extravagant thing I've ever done. Easily left +$1M on the table.

Yes. This is the most expensive thing that I am thinking everyday to do.

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