Search found 807 matches

by WanderingDoc
Sat May 12, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 318
Views: 24918

Re: Lucrative careers?

I’m 26 years old planning on going back to college to finish my undergrad and I’m unsure what I want to do as a career. I thought maybe bogleheads may have some suggestions. I’d like to someday make 100k a year (who wouldn’t) Careers I’ve looked into are: -Law (I love law, I read law books for fun,...
by WanderingDoc
Fri May 11, 2018 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie Investor - Help needed with AA / Rebalance
Replies: 8
Views: 776

Re: Newbie Investor - Help needed with AA / Rebalance

Thanks very much. This looks simple and effective. The only downside would be having to sell half of the VTSAX in taxable to exchange for the Total International. This would result in capital gains. Would you still do it if it meant having to pay a few $K in taxes? So basically, I am trying to alloc...
by WanderingDoc
Thu May 10, 2018 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: Newby to this forum: do i have enough?
Replies: 44
Views: 8536

Re: Newby to this forum: do i have enough?

I am very much against paying down ANY principal for 100% of people for RENTALS. For your personal residence that is a different story. A few reasons: 1. The rate of return from equity is ZERO. Always. This means that, if you throw $300K at your mortgage, this is just $300K stuck behind the drywall ...
by WanderingDoc
Thu May 10, 2018 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Newby to this forum: do i have enough?
Replies: 44
Views: 8536

Re: Newby to this forum: do i have enough?

Thanks. hard for me to imagine exactly what our take home would be after taxes. i believe we could live on about 10-15k per month take home $ especially if we own our home. regarding our rental properties, we purchased one for 676k in 2014 and the other for 650k in 2016. they both are worth about 8...
by WanderingDoc
Thu May 10, 2018 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie Investor - Help needed with AA / Rebalance
Replies: 8
Views: 776

Re: Newbie Investor - Help needed with AA / Rebalance

I think I would like to use a portion of the cash reserve to "fill" the 20% bonds portion of the portfolio. So how much of the 50% cash would you add to the 50% portfolio? Currently the 50% portfolio is broken up into: Taxable (40%) Non-taxable (60%) Roth IRA (12%) TSP (30%) "Bond/cash" (18%) How w...
by WanderingDoc
Thu May 10, 2018 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie Investor - Help needed with AA / Rebalance
Replies: 8
Views: 776

Re: Newbie Investor - Help needed with AA / Rebalance

Cash: 50% Equities: 50% <snip> Taxable (40% of equities) Non-taxable (60% of equities) <snip> Given the above, how would you restructure my portfolio? I'm not clear on things. Is the 50% taxable cash part of the retirement portfolio or does it have another purpose, e.g. your real estate cash reserv...
by WanderingDoc
Thu May 10, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Newbie Investor - Help needed with AA / Rebalance
Replies: 8
Views: 776

Re: Newbie Investor - Help needed with AA / Rebalance

Morning bump. Anyone have any comment or suggestion?
by WanderingDoc
Wed May 09, 2018 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie Investor - Help needed with AA / Rebalance
Replies: 8
Views: 776

Newbie Investor - Help needed with AA / Rebalance

I have learned a ton on here. I am new to the world of mutual funds, and am looking to build a solid AA plan and learn to rebalance. It probably doesn't matter, but I will point out that roughly 80% of my assets are held in real estate equity, what follows below is the remaining 20% comprising of st...
by WanderingDoc
Wed May 09, 2018 4:46 pm
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 148
Views: 17145

Re: 100% Stock Portfolio?

What are 5% rebalance bands? Is it hard to do this consistently. https://www.bogleheads.org/wiki/Rebalancing: When asset classes deviate from their target by a certain absolute percentage. For example, if your target asset allocation is 60% equities and 40% fixed income and your (absolute) rebalanc...
by WanderingDoc
Wed May 09, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: Muni Money Market funds starting to look good!
Replies: 139
Views: 25693

Re: Muni Money Market funds starting to look good!

Seems like all is cleared. Not bad. Does anyone know how the interest is accrued in VMSXX? So far it just lists my principal amount. And on the "balances and holdings" page, under the 'change' it just has ---- ---- . Is the interest added to your account monthly? It accrues daily and is credited mo...
by WanderingDoc
Wed May 09, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: Muni Money Market funds starting to look good!
Replies: 139
Views: 25693

Re: Muni Money Market funds starting to look good!

Seems like all is cleared. Not bad. Does anyone know how the interest is accrued in VMSXX? So far it just lists my principal amount. And on the "balances and holdings" page, under the 'change' it just has ---- ---- . Is the interest added to your account monthly?
by WanderingDoc
Wed May 09, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 148
Views: 17145

Re: 100% Stock Portfolio?

Is there proof that such a strategy performs worse than 100% stocks? I haven't found it yet. Play with the portfoliovisualizer tool with rebalancing. Can you find a rebalancing strategy that holds bonds that would outperform 100% stocks? If you can, let me know. I'm looking for outperformance. If I...
by WanderingDoc
Wed May 09, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??
Replies: 27
Views: 1747

Re: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??

Don't worry about investing. You're focus is to pay off your debt. Investing is 3-5 years away if you're lucky. Take responsibility and don't try to ask for loan forgiveness. YOU took out those loans, which means someone else lent your THEIR money. Its a problem with your morals if you would even co...
by WanderingDoc
Tue May 08, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Capital One now at 1.75 [Money Market Rate To 1.75% APY]
Replies: 51
Views: 5135

Re: Capital One now at 1.60 [Money Market Rate To 1.60% APY]

The returns on these accounts are taxed, is that correct? So a 1.6% APY would be a 1.2% post tax yield, or so. Yes, depending on your bracket. But if you are willing to move around your money to pick up some extra coin then don't forget the bonus of up to $500. If I keep money in that acct for say ...
by WanderingDoc
Mon May 07, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One now at 1.75 [Money Market Rate To 1.75% APY]
Replies: 51
Views: 5135

Re: Capital One now at 1.60 [Money Market Rate To 1.60% APY]

The returns on these accounts are taxed, is that correct? So a 1.6% APY would be a 1.2% post tax yield, or so. I saw an ad for 1.6% with a bonus of $500 with the deposit of $100,000 and maintained for 3 months. That is 2.1% interest and bonus if held for a year. If held for 3 months that would be $4...
by WanderingDoc
Mon May 07, 2018 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Military Retirement and Next Career
Replies: 8
Views: 1091

Re: Military Retirement and Next Career

I certainly understand the sentiment and yes I know how fortunate we are. I was considering doing JROTC but I think this will be both rewarding from the teaching standpoint and the ability to keep learning. I think I will find myself bored with the winter break and summers off but can always dial i...
by WanderingDoc
Sun May 06, 2018 7:56 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 17679

Re: What Percentage CASH are you?

I don't keep cash. I don't have an emergency fund. My portfolio is all stock and bond mutual funds. Each month I divide my paycheck into four parts: — the monthly household expenses — transfer to savings for the next vacation — transfer to savings for the next car — transfer to Vanguard for to buy ...
by WanderingDoc
Sun May 06, 2018 7:28 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 17679

Re: What Percentage CASH are you?

I don't keep cash. I don't have an emergency fund. My portfolio is all stock and bond mutual funds. Each month I divide my paycheck into four parts: — the monthly household expenses — transfer to savings for the next vacation — transfer to savings for the next car — transfer to Vanguard for to buy ...
by WanderingDoc
Sun May 06, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 17679

Re: What Percentage CASH are you?

I'm curious what percentage of assets people hold in cash? Also, if you didn't haven it in cash, where would you put it? Personally, I'm 12% Cash right now. Maybe this is dumb, especially with the dollar falling. Feel free to let me know. But, I do like the feeling of having some "dry powder" espec...
by WanderingDoc
Sat May 05, 2018 1:50 am
Forum: Investing - Theory, News & General
Topic: Muni Money Market funds starting to look good!
Replies: 139
Views: 25693

Re: Muni Money Market funds starting to look good!

Just put the first $25K into the Vanguard Muni MM fund. There is a 7-day hold on the funds.. "this account has umavailable shares". I then link my Ally account to Vanguard (after 2 days verifying microdeposits), and yet another 7-10 days until this account is fully verified. They claim I can still u...
by WanderingDoc
Wed May 02, 2018 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement at 43-45 (Military)
Replies: 17
Views: 2906

Re: Retirement at 43-45 (Military)

Emergency Funds: One year of expenses Debt: None Tax Filing Status: Married, jointly. No children. Tax Rate: 25% Fed State of Residence: WY Age: His 25, Her 25 Other Info: Projected retirement pensions for both of us is around 70K per year (combined) after taxes (2018 dollars). Looking to get the m...
by WanderingDoc
Mon Apr 30, 2018 12:21 am
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.75%]
Replies: 210
Views: 32204

Re: Ally online savings now at 1.50%

jeffyscott wrote:
Sun Apr 29, 2018 10:14 pm
To do it that way, just divide by 1-tax rate.
So 1.55% ÷ (1-.295) =
1.55% ÷ 0.705 = 2.19%

So if tax rate is 24%, then the 1.55% is equivalent to 2.04%.
1.55 ÷ 0.76 = 2.04
Thanks. First batch is already on the way into Tax-exempt Muni. Next task is to deplete the Ally Savings acct :P
by WanderingDoc
Sun Apr 29, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.75%]
Replies: 210
Views: 32204

Re: Ally online savings now at 1.50%

No, if he gets 2.2% taxable interest, he would pay 29.5% of that in taxes. 29.5% of 2.2% is 0.649%, so after tax he'd end up with 2.2%-0.649% = 1.551%. Or do the math with $1000 investment. 2.2% interest would be $22. Taxes on the $22 would be $6.49, leaving $15.51 after tax. $15.51 is 1.551% of $1...
by WanderingDoc
Sun Apr 29, 2018 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Taking the Plunge -- Portfolio Feedback
Replies: 4
Views: 802

Re: Taking the Plunge -- Portfolio Feedback

Based on your $60K downpayment for a house, I am going to guess that you're outside NYC, maybe somewhere in the Syracuse or Buffalo area. A $60K down payment may not even buy you a parking space in NYC! :twisted: You had mentioned your wife is a resident, are you also a physician? Been meeting a lot...
by WanderingDoc
Sun Apr 29, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.75%]
Replies: 210
Views: 32204

Re: Ally online savings now at 1.50%

Right. I feel like the money markets have been quickest to catch up w increasing rates? 1.55% tax free is equivalent to 2.2% after tax in my tax bracket. On 100k of cash even diff btw 1.75 % ally no penalty cd is significant enuf to move... $450 in interest income/yr? That’s smth. Else I have to wo...
by WanderingDoc
Sun Apr 29, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.75%]
Replies: 210
Views: 32204

Re: Ally online savings now at 1.50%

Right. I feel like the money markets have been quickest to catch up w increasing rates? 1.55% tax free is equivalent to 2.2% after tax in my tax bracket. On 100k of cash even diff btw 1.75 % ally no penalty cd is significant enuf to move... $450 in interest income/yr? That’s smth. Else I have to wo...
by WanderingDoc
Sat Apr 28, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.75%]
Replies: 210
Views: 32204

Re: Ally online savings now at 1.45%

Rainier wrote:
Fri Apr 27, 2018 8:14 pm
They're getting smoked by treasuries and broker money markets right now. I pulled everything out of Ally and now have one less account to manage.
If I may ask, where did you put the money instead? I have a savings acct and CD with them.
by WanderingDoc
Fri Apr 27, 2018 12:22 am
Forum: Investing - Theory, News & General
Topic: The World in 2050 — GDP & Stock Market Capitalization
Replies: 70
Views: 6555

Re: The World in 2050 — GDP & Stock Market Capitalization

Great thread.

This has persuaded me to trade my entire Roth IRA (currently held in Target 2055 Fund) into VT or its equivalent. Thanks everyone!
by WanderingDoc
Thu Apr 26, 2018 11:15 pm
Forum: Investing - Theory, News & General
Topic: Financial Freedom
Replies: 22
Views: 2940

Re: Financial Freedom

I apologize if a similar thread exists but I was wondering what the simplest way to attain financial freedom would be. This probably varies from person to person based on how much they make, age and other personal attributes. But I am wondering if there is a general rule. For instance you make so m...
by WanderingDoc
Tue Apr 24, 2018 1:11 am
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 138
Views: 23627

Re: Is it time to dump high yield savings for prime money market?

VMMXX is now up to 1.79%. It keeps edging up. We'll be at 2% in no time. Hey, grayfox. Haven't seen you in a while! Any more news on your crypto journey? I'll look into VMMXX. I still keep quite a bit of cash in a 1.35% Ally account. For some reason, psychologically it seems like I wouldn't be hit ...
by WanderingDoc
Mon Apr 23, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: Floating Net Worth w/ VT after 5 Years
Replies: 52
Views: 7114

Re: Floating Net Worth w/ VT after 5 Years

Your run up occurred in a long bull market. Pretty easy when it is up, up, up. Consider adding 20% Total US Bond and 30% Total International. 30% of your 80%. Your 2050 and 2100 predictions are “interesting “. :shock: I agree. No one reading this thread will be alive in 2100, so who really cares ab...
by WanderingDoc
Sat Apr 21, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 33063

Re: KF's simple rules to achieve FI

Folks, Rule #3 Use "Pay Yourself First" saving method. Auto-deduct from your paycheck and save and invest the proper amount. Spend the rest. Rule #4 Contribute as much as possible to the tax-deferred accounts. Put the tax savings to the Roth IRAs and the taxable account. Rule #5 Do not save for col...
by WanderingDoc
Sat Apr 14, 2018 1:39 am
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 138
Views: 23627

Re: Is it time to dump high yield savings for prime money market?

bhsince87 wrote:
Tue Mar 20, 2018 10:39 pm
BogleMelon wrote:
Tue Mar 20, 2018 11:04 am
In my case I am not sure if 0.16% difference worth the hassle (My savings is earning 1.45% at Ally currently). To make things worse, this 0.16% is taxable so it is only 0.13% ($13 more per year for every $10K also not FDIC) :D
Your savings account is taxable too.
Same exact tax rate?
by WanderingDoc
Fri Apr 13, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3129
Views: 956613

Re: What Book Are You Currently Reading? Part VI

In a similar vein, what kind of (e)book reader would y'all recommend? I have realized that I cannot keep ordering books as it leads to a lot of clutter. If you haven't already, please take a look at what your local library offers. With an app and a login linked to my library card, I can reserve and...
by WanderingDoc
Fri Apr 13, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Guaranteed 9% annualized return?
Replies: 26
Views: 2476

Re: Guaranteed 9% annualized return?

As the others may or may not have alluded to, you are not taking into consideration "inflation hedging/inflation profiting" of holding a long-term, fixed mortgage. You are paying the lender the same monthly payment now as you are thirty years from now. $1500 now buys a lot more than $1500 in 25 or 3...
by WanderingDoc
Thu Apr 12, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.75%]
Replies: 210
Views: 32204

Re: Ally online savings now at 1.45%

I think you are confusing the house one lives in (a liability), and the house you rent out (an asset). How is the house I live in a liability? That is only the case if one owns more house than one would rent. A quick estimate in my case indicates that I would need to earn at least around 4-5% after...
by WanderingDoc
Thu Apr 12, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.75%]
Replies: 210
Views: 32204

Re: Ally online savings now at 1.45%

Lately I do not feel like the money I think I have in a bank (ie. digits on the screen), is actually money. I have zero emotional reaction or attachment to it. For all I know, these ACH transfers between bank accounts are a sham. It seems like it is imaginary. The only thing I ever felt like was mo...
by WanderingDoc
Thu Apr 12, 2018 12:01 am
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.75%]
Replies: 210
Views: 32204

Re: Ally online savings now at 1.45%

The high yield savings and cd rates at Live Oak Bank look pretty good. The current high yield savings is advertised at 1.7%. I also think their cd rates, especially those on the shorter term certificates, are attractive. That 6 month certificate at 1.95% is pretty sweet. Of course, one ought to con...
by WanderingDoc
Tue Apr 10, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.75%]
Replies: 210
Views: 32204

Re: Ally online savings now at 1.45%

The high yield savings and cd rates at Live Oak Bank look pretty good. The current high yield savings is advertised at 1.7%. I also think their cd rates, especially those on the shorter term certificates, are attractive. That 6 month certificate at 1.95% is pretty sweet. Of course, one ought to con...
by WanderingDoc
Thu Apr 05, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: Trying the Impossible - Financing 30-Year Retirements with 40-Year Careers
Replies: 118
Views: 17734

Re: Trying the Impossible - Financing 30-Year Retirements with 40-Year Careers

I think finding a career that you enjoy makes all the above that much easier. But I enjoyed my career along the way and the 32 years went by fast. Why because I enjoyed my career. I would laugh at work when I would hear my co workers state they can't wait until they retire. When I asked them how lo...
by WanderingDoc
Thu Apr 05, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: Trying the Impossible - Financing 30-Year Retirements with 40-Year Careers
Replies: 118
Views: 17734

Re: Trying the Impossible - Financing 30-Year Retirements with 40-Year Careers

"You can't finance 30 year retirements with 40 year careers."

Says who?

"Hidden Early Retirement Incentives Need to be Eliminated!"

Says who?

This guy is a joke. I vehemently disagree with both statements. What a stone age, defeatest way to think.
by WanderingDoc
Tue Apr 03, 2018 10:37 pm
Forum: Investing - Theory, News & General
Topic: Has anyone changed their AA/IPS/investing strategy recently?
Replies: 25
Views: 2358

Re: Has anyone changed their AA/IPS/investing strategy recently?

I’m 55, and I’ve taken William Bernstein’s recommendation to sort of tailor the glide path towards retirement a bit. Given my age, some job insecurity, current valuations, lower expected future returns, I’ve cooled off my AA over last 2 years. I’ve gone from about 80/20 or 70/30 to current 42% equi...
by WanderingDoc
Tue Apr 03, 2018 10:31 pm
Forum: Investing - Theory, News & General
Topic: Has anyone changed their AA/IPS/investing strategy recently?
Replies: 25
Views: 2358

Re: Has anyone changed their AA/IPS/investing strategy recently?

Nobody knows. You are 2/3 cash and 1/3 stocks and bonds? 2011 was the top, 2012, 2013, 2014, 2015, 2016 and then we still had 2017. Holding cash has risk. Inflation risk/purchasing power diminishing and not keeping up with inflation. You have 570+ posts so obviously spend a lot of time here. Is you...
by WanderingDoc
Tue Apr 03, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: Has anyone changed their AA/IPS/investing strategy recently?
Replies: 25
Views: 2358

Has anyone changed their AA/IPS/investing strategy recently?

With the "2nd longest and 2nd largest" bull market ever, and some indicators pointing toward an overvalued market, and some pundits predicting doom and gloom.. I would be highly surprised if we don't see a bear market or crash this year or by 2019 at the latest. Is there any value in buying more bon...
by WanderingDoc
Tue Apr 03, 2018 10:37 am
Forum: Investing - Theory, News & General
Topic: Best longevity calculator?
Replies: 32
Views: 3237

Re: Best longevity calculator?

You mean a site that would ask for very detailed health information on every medical ailment you might have ever had, family history, your past and current alcohol, cigarette,and drug consumption, your weight, your diet, your exercise habits, any high risk activities you participate in, sexual cont...
by WanderingDoc
Fri Mar 30, 2018 1:50 am
Forum: Investing - Help with Personal Investments
Topic: Cryptos- "Bear" with me here
Replies: 31
Views: 2658

Re: Cryptos- "Bear" with me here

I know most here aren't into investing in it, and I totally understand. For those that do or others that want to offer input. I have a small amount of our savings in cryptos. Back in Feb I bought some ethereum on a big dip and within weeks was up 30% but I held off thinking I could easily and quick...
by WanderingDoc
Thu Mar 29, 2018 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: What can go wrong with multi family syndications?
Replies: 32
Views: 4432

Re: What can go wrong with multi family syndications?

The described investment sounds like equity. 16-20% returns on Real Estate are not possible without leverage. If you have leverage, then the equity can take 100% losses. Valuethinker, while I have a lot of respect for your knowledge and reputation(post count) I still don't get it. Could you take a ...
by WanderingDoc
Thu Mar 29, 2018 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Sound Strategy RE: Taxes / Retirement ?
Replies: 8
Views: 811

Re: Sound Strategy RE: Taxes / Retirement ?

What do you consider "early retirement"? If you are 20 years from retiring, so much can happen in that time. Its such a long time, that you might as well think of it as just retirement. You don't know how the world, your mind, your life, technology, and laws will change 10 years down the like, let a...
by WanderingDoc
Mon Mar 26, 2018 2:18 am
Forum: Investing - Theory, News & General
Topic: Seasoned bogleheads repressing the thought of lower expected returns
Replies: 178
Views: 12943

Re: Seasoned bogleheads repressing the thought of lower expected returns

"Hardly positive" real returns are better than negative real returns, which are also a possibility. We invest because there's not really a better alternative. There are much better alternatives. You can hand select real estate deals which will cash flow 8-12% (even in "recessions"), provide princip...
by WanderingDoc
Sat Mar 17, 2018 12:27 am
Forum: Investing - Help with Personal Investments
Topic: Do I have enough saved to pull the trigger now? Or wait 1? 3? years?
Replies: 52
Views: 7938

Re: Do I have enough saved to pull the trigger now? Or wait 1? 3? years?

Something you might not be factoring in is that at age 52 it's not necessarily a permanent retirement decision like it would be if you were, say 60+. You still have a fairly long window to go back to work if it's not working out the way you want it to. I semi-retired for a couple of years at age 50...