Search found 754 matches

by Wannaretireearly
Sat Jul 20, 2019 9:28 am
Forum: Personal Investments
Topic: My quick review & some guidance needed
Replies: 18
Views: 1486

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: 1486

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: 1486

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: 1486

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: 1486

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: 1486

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...
by Wannaretireearly
Fri Jul 19, 2019 3:25 pm
Forum: Personal Investments
Topic: My quick review & some guidance needed
Replies: 18
Views: 1486

My quick review & some guidance needed

Hello BH Friends, A quick portfolio summary and my 'tax' & 'withdrawal' questions below. Portfolio summary (spouse & I): ~$1.2M - 401k (Vanguard 2035) ~200k - Roth IRA (via backdoor, Small cap value) ~600k - Taxable (combo of FTSE small cap & FTSE large cap) - give me strength/give intl strength! :t...
by Wannaretireearly
Wed Jul 03, 2019 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: SF Bay area: high school and college apps
Replies: 18
Views: 2037

Re: SF Bay area: high school and college apps

Worry more about getting your kids the best education, rather than ranking. In my case we sent kids to private school through 8th grade, then public for high school. I was concerned that a kid who was in private school all the way through 12th would have difficulty adjusting to the “freedom” of col...
by Wannaretireearly
Wed Jul 03, 2019 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: SF Bay area: high school and college apps
Replies: 18
Views: 2037

Re: SF Bay area: high school and college apps

bumping to see if we can get some more responses :D
by Wannaretireearly
Tue Jul 02, 2019 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: SF Bay area: high school and college apps
Replies: 18
Views: 2037

Re: SF Bay area: high school and college apps

For full disclosure, I need to mention that I work as a teacher in the area so my perspective may have some biases. Many students in Fremont attend a school in the UC system or go out of state if there is a good program for the area of study in which they’re interested. Washington, Irvington, and A...
by Wannaretireearly
Mon Jul 01, 2019 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: SF Bay area: high school and college apps
Replies: 18
Views: 2037

Re: SF Bay area: high school and college apps

Fyi. The problem with some if these top high schools, is that the 50 to 70th percentile kids would probably be top 5/10% in any average high school....:(
by Wannaretireearly
Mon Jul 01, 2019 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: SF Bay area: high school and college apps
Replies: 18
Views: 2037

Re: SF Bay area: high school and college apps

1. Seems college apps heavily way where on the class bell curve u rank. E.g. UC's (and some private colleges) only consider the top 12% of high school class, or top 9% ? Seen both numbers, dont fully understand. A quick internet search reveals that only 80% of high school students graduate high sch...
by Wannaretireearly
Mon Jul 01, 2019 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: SF Bay area: high school and college apps
Replies: 18
Views: 2037

Re: SF Bay area: high school and college apps

Thanks for the quick responses
by Wannaretireearly
Mon Jul 01, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: SF Bay area: high school and college apps
Replies: 18
Views: 2037

SF Bay area: high school and college apps

My situation: 2 kids, 3rd and 6th grade from Sept going to a local private school. Generally happy with this school. School pushes them academically in a good way to be about a grade or so ahead of public schools. Dilemma: How to set my kids up for success thru high school and college applications. ...
by Wannaretireearly
Sun Jun 30, 2019 6:19 pm
Forum: Investing - Theory, News & General
Topic: After tax 401k contributions and in-plan conversions to Roth 401k
Replies: 25
Views: 1465

Re: After tax 401k contributions and in-plan conversions to Roth 401k

I do not have that. What you want to know is what, if anything, was taxable due to the Roth conversion. And the dates of the contributions and conversions. And any ordinary contributions you might have made before using the back door. And any rollovers from Roth 401k? His records and Her records ar...
by Wannaretireearly
Sun Jun 30, 2019 5:00 pm
Forum: Investing - Theory, News & General
Topic: After tax 401k contributions and in-plan conversions to Roth 401k
Replies: 25
Views: 1465

Re: After tax 401k contributions and in-plan conversions to Roth 401k

And I hope Vanguard is keeping track of my backdoor Roth IRA contributions!!! Vanguard knows you made a contribution to tIRA but they do not know if it was deducted or not. That is a private secret between you and the IRS. Vanguard also knows you did a Roth conversion but they don't know if it was ...
by Wannaretireearly
Sun Jun 30, 2019 4:44 pm
Forum: Investing - Theory, News & General
Topic: After tax 401k contributions and in-plan conversions to Roth 401k
Replies: 25
Views: 1465

Re: After tax 401k contributions and in-plan conversions to Roth 401k

Here is a discussion about withdrawals.... https://fairmark.com/retirement/roth-accounts/roth-distributions/distribution-overview/ If you withdraw from Roth IRA before it is "qualified", you fill out Part III of Form 8606 on your taxes that year. There is a worksheet (in the instructions) where you...
by Wannaretireearly
Sun Jun 30, 2019 12:00 am
Forum: Investing - Theory, News & General
Topic: After tax 401k contributions and in-plan conversions to Roth 401k
Replies: 25
Views: 1465

Re: After tax 401k contributions and in-plan conversions to Roth 401k

I wouldn't worry. If you retire early, you can access contributions from your Roth IRA without concern, and possibly the earnings. I would never pass up Roth savings for taxable. Thanks Earl. How does this work in practice? If I need $50K from Roth IRA (my contributions) is it easy to withdraw? I f...
by Wannaretireearly
Sat Jun 29, 2019 11:56 pm
Forum: Investing - Theory, News & General
Topic: After tax 401k contributions and in-plan conversions to Roth 401k
Replies: 25
Views: 1465

Re: After tax 401k contributions and in-plan conversions to Roth 401k

Thanks All. The real question now is should I just save any spare after tax $ that I want to invest in a brokerage account. Perhaps to bridge me from ~50 to 60. Feel like there is already a lot in 'retirement' accounts. Anyone else navigated this quandary? FYI I believe you can withdraw from 401k w...
by Wannaretireearly
Sat Jun 29, 2019 9:47 pm
Forum: Investing - Theory, News & General
Topic: After tax 401k contributions and in-plan conversions to Roth 401k
Replies: 25
Views: 1465

Re: After tax 401k contributions and in-plan conversions to Roth 401k

Thanks All. The real question now is should I just save any spare after tax $ that I want to invest in a brokerage account. Perhaps to bridge me from ~50 to 60.

Feel like there is already a lot in 'retirement' accounts.

Anyone else navigated this quandary?
by Wannaretireearly
Sat Jun 29, 2019 6:18 pm
Forum: Investing - Theory, News & General
Topic: After tax 401k contributions and in-plan conversions to Roth 401k
Replies: 25
Views: 1465

Re: After tax 401k contributions and in-plan conversions to Roth 401k

Here are my plan details. I think automatic daily conversion is best. It says it will reduce my tax liability. I dont want any tax liability/issues. Possible? E.g. with the backdoor Roth I convert to Roth almost immediately. So no gains to tax. Here are the plan details, copy/pasted: HOW DO I CONVER...
by Wannaretireearly
Sat Jun 29, 2019 4:43 pm
Forum: Investing - Theory, News & General
Topic: After tax 401k contributions and in-plan conversions to Roth 401k
Replies: 25
Views: 1465

Re: After tax 401k contributions and in-plan conversions to Roth 401k

Urggh. Thanks. Still not crystal clear on this...

I've done backdoors so I know how to invest and convert that to Roth immediately without tax liability.

This new 401k example I'm not sure. Can someone who does this walk me thru this with baby steps? Much appreciated....
by Wannaretireearly
Sat Jun 29, 2019 10:49 am
Forum: Investing - Theory, News & General
Topic: After tax 401k contributions and in-plan conversions to Roth 401k
Replies: 25
Views: 1465

After tax 401k contributions and in-plan conversions to Roth 401k

Dear Bogleheads, My company has just announced two enhancements to our 401k plan: after tax contributions until the IRS limit and in plan conversions to Roth. 1. If I had 6k I was doing backdoor roths with, should I now just use these new features for that after tax money? I.e. which is better: back...
by Wannaretireearly
Wed Jun 19, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 127
Views: 13177

Re: With hindsight, what signs indicated you were about to lose your job?

Great thread. Havent read all posts... - Network with leadership/sr. leadership outside of your immediate manager - especially if you dont have the best relationship with your Boss. - Decisions do get made with concensus (not just layoffs, but promos & pay raises, etc). - You want at least a couple ...
by Wannaretireearly
Tue Jun 11, 2019 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 168
Views: 18680

Re: Which Engineering Discipline for the next 20+ years !!!

Interesting thread. My 2 cents: Soft skills matter, regardless of major. Soft skills help navigate office politics Soft skills help you get thru interviews Soft skills help you get into leadership roles Soft skills help worker bees adapt. Often to different roles How do you train kids for soft skil...
by Wannaretireearly
Tue Jun 11, 2019 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 168
Views: 18680

Re: Which Engineering Discipline for the next 20+ years !!!

Interesting thread. My 2 cents: Soft skills matter, regardless of major. Soft skills help navigate office politics Soft skills help you get thru interviews Soft skills help you get into leadership roles Soft skills help worker bees adapt. Often to different roles How do you train kids for soft skill...
by Wannaretireearly
Sun Jun 09, 2019 11:49 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 15370

Re: I'm thinking about buying an exotic supercar anyone here done this and feedback?

Congrats. In your spot I'd be tempted to hire/lease or use one these supercar rental services. Try this for a year or two. Drive something different, dont need to worry much about long term costs/headaches. Life is short. Now if you have Leno money....;) game changes! Good luck. As a non car guy, tr...
by Wannaretireearly
Fri May 31, 2019 12:48 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 17819

Re: Fun paid jobs after FIRE

Great responses. This is my most successful thread yet! (Dont tell the moderators ;) Random thoughts: - No need to be tied to one vocation/pastime after FIRE/FISH etc - No rush to figure this out even after retired - enjoy the journey - I like travel, wine, sports & yoga (not always in that order) -...
by Wannaretireearly
Wed May 29, 2019 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 17819

Re: Fun paid jobs after FIRE

Seems like starting and monetizing a blog to tell people how awesome FIRE is is the FIRE career of choice. Best of all you can do it from your couch. You can even go on the FIRE retreats and meet all the other FIRE people! I like this! Fire retreats...is that a real thing? Sounds like where boglehe...
by Wannaretireearly
Wed May 29, 2019 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 17819

Re: Fun paid jobs after FIRE

There are no "jobs" after FIRE. If you have a job, you aren't FIRE'd. Sure, you can have one or many hobbies. If your idea of a hobby is to put on a fancy red vest and play the "expert" at ACE, then more power to you! :beer Many people don't agree with this. For many, FIRE means you have the freedo...
by Wannaretireearly
Wed May 29, 2019 12:40 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 17819

Re: Fun paid jobs after FIRE

jebmke wrote:
Wed May 29, 2019 12:25 am
When I retired, I stopped working for money. There are plenty of interesting jobs that are not paid and are very rewarding that meet the criteria you listed. The FI part of FIRE means I can do those without getting compensated.
Care to share the jobs you did? Thanks.
by Wannaretireearly
Wed May 29, 2019 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 17819

Fun paid jobs after FIRE

I can dream of FIRE. Hopefully over the next 10 years. What kind of fun (paid) job do you have after FIRE? I'm just looking for ideas, and would want to frame the question to paid work only. I think the characteristics I would like are: 1. Minimal/Flexible hours. 2. Local/no freeway 3. Perhaps trans...
by Wannaretireearly
Mon May 27, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: Google, Alexa house: need house alarm guidance!
Replies: 10
Views: 697

Re: Google, Alexa house: need house alarm guidance!

consider these: https://www.lorextechnology.com/hd-ip-security-camera-system/4-channel-hd-security-camera-system-with-ip-cameras/HDIP44D-1-p?gclid=EAIaIQobChMI8uP4nNvn2QIVDJe9Ch3NpAFiEAkYA Pros: no issues with internet signal interference, doesn't use up your internet bandwidth, more reliable (does...
by Wannaretireearly
Mon May 27, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Google, Alexa house: need house alarm guidance!
Replies: 10
Views: 697

Re: Google, Alexa house: need house alarm guidance!

I would use Nest - I really like their smokedetectors much better than simplisafe. I installed simplisafe at home and and happy with the product in large part short of the smoke dectectors which sometimes go off and I was told by simplisafe it may be dust related in the air or in the unit requiring...
by Wannaretireearly
Mon May 27, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: Google, Alexa house: need house alarm guidance!
Replies: 10
Views: 697

Re: Google, Alexa house: need house alarm guidance!

Thanks Galaxy8. Appreciate the response. This decision is hard for me... Never had an alarm system. So really appreciate all feedback here. Can I use my nest cams with a non-nest alarm system? Or will I have to do as Galaxy is suggesting and get rid of nest cams? FWIW, I've been happy with the nest ...
by Wannaretireearly
Mon May 27, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: Google, Alexa house: need house alarm guidance!
Replies: 10
Views: 697

Google, Alexa house: need house alarm guidance!

Completed major Reno last year. Have nest cameras outside. Nest thermo, etc. Thinking nesf alarm system is my best option? Keep to one nest app, integration with nest products (e.g. we have one nesf smoke alarm efc). Any real nest alarm reviews here? What is holding me back. Not sure just cos I have...
by Wannaretireearly
Sun May 26, 2019 2:32 pm
Forum: US Chapters
Topic: Retiredjg at 36,000 posts!
Replies: 34
Views: 2951

Re: Retiredjg at 36,000 posts!

:sharebeer retiredjg. Helped me a ton years ago
by Wannaretireearly
Tue May 21, 2019 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Compensation negotiation strategy (rocket ship tech)
Replies: 27
Views: 3750

Re: Compensation negotiation strategy (rocket ship tech)

Can you provide a bit more detail on the type of work you do? I'm in a similar industry, longer tenure. One thing is it can get tougher to have a good network established the more senior you go. So, when you do have that it's a good thing. Seems your developing well where you are. You may realize th...
by Wannaretireearly
Thu May 02, 2019 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone down-shifted in their career?
Replies: 59
Views: 7735

Re: Has anyone down-shifted in their career?

Great thread. I'm about to get another team to manage ( total directs: from 4 to ~9 or 10) and I'm not enthused. No title change. I've had to ask my manager to consider asking the VP for more comp (RSU's...or something considering the change...). I'd love to coast the next 10 years. Pesky corp polit...
by Wannaretireearly
Sat Apr 27, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: Minivan alternatives?
Replies: 48
Views: 3657

Re: Minivan alternatives?

Check out the new 2020 Kia Telluride. I'm falling for this one....

https://www.edmunds.com/kia/telluride/
by Wannaretireearly
Wed Apr 24, 2019 7:08 pm
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 17114

Re: Dump international?

Also, not to get too political, but the US government does influence the economy to a significant degree (tax policy, foreign relations etc). That can change quickly. Just for example, the US govt may end up spending a lot on Healthcare over the next 10 to 20 years. That could have knock on effects...
by Wannaretireearly
Wed Apr 24, 2019 5:05 pm
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 17114

Re: Dump international?

Also, not to get too political, but the US government does influence the economy to a significant degree (tax policy, foreign relations etc). That can change quickly. Just for example, the US govt may end up spending a lot on Healthcare over the next 10 to 20 years. That could have knock on effects...
by Wannaretireearly
Wed Apr 24, 2019 4:52 pm
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 17114

Re: Dump international?

1900-2017 via Credit Suisse https://i.imgur.com/WaKRFEu.png This is an awesome chart. I'm going to assume the data is accurate. Who can be bold and predict what the chart will look like in 10 to 20 years? Thats the timeframe when a lot of us will be close to, or in, retirement. I believe China will...
by Wannaretireearly
Tue Mar 19, 2019 12:06 am
Forum: Personal Consumer Issues
Topic: Calling Volvo and Audi owners! Reliabilty questions
Replies: 61
Views: 4456

Re: Calling Volvo and Audi owners! Reliabilty questions

Went to the volvo dealer today. Both the xc60 and xc90 seem great. But so expensive! Was looking at the T8 models which i know are more $. Close to 70k for the xc60 t8 and more than 80k for the xc90 t8. I get i was looking at the top of the line models. I dont mind paying (a bit) more upfront than n...
by Wannaretireearly
Sun Mar 17, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: Calling Volvo and Audi owners! Reliabilty questions
Replies: 61
Views: 4456

Re: Calling Volvo and Audi owners! Reliabilty questions

Thanks for all the responses so far. Keep em coming !
by Wannaretireearly
Sun Mar 17, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: Calling Volvo and Audi owners! Reliabilty questions
Replies: 61
Views: 4456

Calling Volvo and Audi owners! Reliabilty questions

Im very interested in these cars: Volvo XC60 and XC90 and Audi Q5 and Q7. For the purpose of this thread i only want to discuss reliabilty and maintaience cost. Other factors...assume are not relevant for this thread. My litmus test is vehicle life thru 200K miles. 1. How reliable has your Volvo or ...
by Wannaretireearly
Wed Jan 23, 2019 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Why doesn't a lot of money feel like a lot of money?
Replies: 205
Views: 22534

Re: Why doesn't a lot of money feel like a lot of money?

Play a game...keep your checking account low (ish) And get back in the mode of ' how am i gonna pay that bill and that bill?' Ignore the fact you have a significant vanguard account....the 'new money' will become more important :) I.e. mentally forgot all your other accounts and value those checking...
by Wannaretireearly
Wed Jan 16, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Non fiction book about life and retirement?
Replies: 2
Views: 409

Re: Non fiction book about life and retirement?

bumping for middle of the day feedback ;)
by Wannaretireearly
Wed Jan 16, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Non fiction book about life and retirement?
Replies: 2
Views: 409

Non fiction book about life and retirement?

A fairly random request... I want to find a book which checks of some/most of these topics. Thanks! - life stages & challenges at each stage (youth, family, retirement, end of life) - retirement experiences - ideally a global context. e.g. a contrast of how different cultures/parts of the world thin...