Search found 393 matches

by jjunk
Sun Sep 20, 2020 11:15 am
Forum: Personal Consumer Issues
Topic: Best shoes for running?
Replies: 65
Views: 3397

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: 21412

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: 1637

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: 2505
Views: 255137

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: 6443

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: 6443

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: 9029

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: 9029

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: 9029

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: 9029

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: 9029

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: 9029

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: 9029

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: 9029

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: 9029

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: 9029

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: 9029

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: 9029

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 ...
by jjunk
Mon Aug 03, 2020 6:00 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 9029

Re: Overcoming the fear of an early retirement

I was in your situation a year ago. Mid-40s with "enough" to retire on, but just wasn't sure whether I should stick it out a while longer in order to make certain it would work financially and that I wasn't leaving money on the table. I decided to retire, and don't regret it one bit. I to...
by jjunk
Mon Aug 03, 2020 5:55 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 9029

Re: Overcoming the fear of an early retirement

I was in your situation a year ago. Mid-40s with "enough" to retire on, but just wasn't sure whether I should stick it out a while longer in order to make certain it would work financially and that I wasn't leaving money on the table. I decided to retire, and don't regret it one bit. I to...
by jjunk
Mon Aug 03, 2020 5:53 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 9029

Re: Overcoming the fear of an early retirement

OP, It is very simple. If you won't take care of your health, no one else will. And, if your health suffered, no one else is going to take care of your family. Your employer will not take care of your family. Just say no for the sake of yourself and your family. KlangFool Just wanted to tell you, m...
by jjunk
Mon Aug 03, 2020 5:38 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 9029

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 5:30 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 9029

Re: Overcoming the fear of an early retirement

I really dont enjoy my job any longer. It's causing me a ton of stress and I'm starting to see that stress manifest itself via various health problems that are more than just me turning older. I also have a personality where I have a strong sense of ownership and its very hard to let things drop . ...
by jjunk
Mon Aug 03, 2020 5:28 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 9029

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 4:30 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 9029

Re: Overcoming the fear of an early retirement

OP, If you can afford to lose your job now, why can't you make your current job more enjoyable? Start saying no to stuff that you do not like to do. Or, do less or slow down the delivery of the stuff that you do not like. Do more of the stuff that you like. You can re-invent your job if you do not ...
by jjunk
Mon Aug 03, 2020 4:28 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 9029

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. Healthcare is definitely a big consideration. When I listed the election as one potential fear point...
by jjunk
Mon Aug 03, 2020 4:16 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 9029

Re: Overcoming the fear of an early retirement

Could you cut down to four days a week and keep your health insurance? How will you fill your hours/days in retirement for the next forty years? I've been working with my manager on something like this. If I could do that, it might help. As for how I'd spend my new found 60-80hrs/wk? I have no idea...
by jjunk
Mon Aug 03, 2020 4:12 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 9029

Re: Overcoming the fear of an early retirement

I'm in a similar situation. early 50's. I'm a highly compensated manager who has suffered mentally and physically the last two years. The golden handcuffs are very real and very difficult to escape. I had guilt for quite awhile thinking I was letting my family down if i 'left money on the table'. B...
by jjunk
Mon Aug 03, 2020 4:10 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 9029

Re: Overcoming the fear of an early retirement

I vote for retirement also. But with Covid and hiring freezes could you negotiate (making yourself less agreeable) a deal, where you will leave with some kind of severance? Unfortunately no. If I could get severance, I'd be gone in a second as my earned severance at this point in my career would be...
by jjunk
Mon Aug 03, 2020 4:09 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 9029

Re: Overcoming the fear of an early retirement

OP, If you can afford to lose your job now, why can't you make your current job more enjoyable? Start saying no to stuff that you do not like to do. Or, do less or slow down the delivery of the stuff that you do not like. Do more of the stuff that you like. You can re-invent your job if you do not ...
by jjunk
Mon Aug 03, 2020 3:49 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 9029

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 li...
by jjunk
Tue Jul 28, 2020 8:24 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2505
Views: 255137

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

As I recently discovered I'm on the autism spectrum, we've watched two shows recently on Netflix which have been very enlightening for my friends and family. Love on the Spectrum - docuseries about people on the autism spectrum trying to navigate dating and love Atypical - drama series showing how ...
by jjunk
Mon Jul 27, 2020 10:54 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2505
Views: 255137

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

As I recently discovered I'm on the autism spectrum, we've watched two shows recently on Netflix which have been very enlightening for my friends and family. Love on the Spectrum - docuseries about people on the autism spectrum trying to navigate dating and love Atypical - drama series showing how a...
by jjunk
Sun Jul 19, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: Renting after owning?
Replies: 46
Views: 3794

Re: Renting after owning?

We owned our home for 10yrs before relocating to the West Coast and becoming renters again. The biggest changes for us were the size of the place we moved into (we went from 2100SF to 600SF initially, now we live in 900SF) and getting used to sharing walls again. Rent increases, especially in the Se...
by jjunk
Sun Jun 28, 2020 10:32 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6238
Views: 1421880

Re: What Movie Have You Recently Watched?

Irresistible by Jon Stewart

My wife and I really enjoyed it. Very solid political satire that is very much in Jon Stewarts voice.

The King of Staten Island

Stars Pete Davidson from SNL as basically himself. Very different movie from other Judd Apatow films and we liked it a lot.
by jjunk
Sun Jun 28, 2020 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Job offer in Bay area - things to consider?
Replies: 68
Views: 6787

Re: Job offer in Bay area - things to consider?

Major thing to consider nowadays - check for autonomous zones / riots in the area and how officials handle it. I passed few interviews for a Seattle company and was thinking about relocation about a month ago. Still negotiating with the company - they want onsite but I don;t want to move there anym...
by jjunk
Sat Jun 27, 2020 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer in Bay area - things to consider?
Replies: 68
Views: 6787

Re: Job offer in Bay area - things to consider?

Major thing to consider nowadays - check for autonomous zones / riots in the area and how officials handle it. I passed few interviews for a Seattle company and was thinking about relocation about a month ago. Still negotiating with the company - they want onsite but I don;t want to move there anym...
by jjunk
Wed May 27, 2020 11:59 pm
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 96
Views: 7073

Re: What will you NOT buy online?

OTC drugs. I take a couple of name brand OTC meds and after getting counterfeit ones from Amazon which really messed me up, I wont do it again. Things were even in the proper packaging and everything. I wouldnt have known if Amazon hadnt alerted me but by then I'd been sick for over a week and thoug...
by jjunk
Mon May 18, 2020 10:12 am
Forum: Personal Investments
Topic: Moving from Treasuries to CDs
Replies: 19
Views: 1245

Re: Moving from Treasuries to CDs

Have you looked into I Bonds? https://www.bogleheads.org/wiki/I_savings_bonds I started shifting some of my fixed income that was in CDs into I Bonds this year. Yes it creates the complexity of an additional account (or 2 if you and your wife each get a Treasury Direct account), but instead of ladd...
by jjunk
Mon May 18, 2020 10:09 am
Forum: Personal Investments
Topic: Moving from Treasuries to CDs
Replies: 19
Views: 1245

Re: Moving from Treasuries to CDs

CDs are fine if you want to invest the small amount of time and effort to place and maintain the deposits. When interest rates are low the difference of fractions of a percent seems more important than it really is. It does not solve the problem that savers are penalized when they have to accept th...
by jjunk
Mon May 18, 2020 9:46 am
Forum: Personal Investments
Topic: Moving from Treasuries to CDs
Replies: 19
Views: 1245

Re: Moving from Treasuries to CDs

Make sure you understand that duration risk is bi-directional. Shorter duration is not lower risk - it's exchanging interest rate sensitivity for reinvestment risk. In 7 months you need to reinvest the funds. It's theoretically possible that in 7 months, or at other points between 7 months and 7 ye...
by jjunk
Mon May 18, 2020 9:44 am
Forum: Personal Investments
Topic: Moving from Treasuries to CDs
Replies: 19
Views: 1245

Re: Moving from Treasuries to CDs

CDs are fine if you want to invest the small amount of time and effort to place and maintain the deposits. When interest rates are low the difference of fractions of a percent seems more important than it really is. It does not solve the problem that savers are penalized when they have to accept th...
by jjunk
Mon May 18, 2020 9:31 am
Forum: Personal Investments
Topic: Moving from Treasuries to CDs
Replies: 19
Views: 1245

Re: Moving from Treasuries to CDs

What is the goal of your fixed income holdings? Are you seeking yield, or are you primarily interested in reducing volatility in your overall portfolio? Reducing volatility for the most part. I dont generally reach for yield but it seems like 1.3% with 7mo duration is better than .67% with a 7yr du...
by jjunk
Mon May 18, 2020 9:29 am
Forum: Personal Investments
Topic: Moving from Treasuries to CDs
Replies: 19
Views: 1245

Re: Moving from Treasuries to CDs

Liquidity. Interest on Treasurys is state tax free. Interest on CDs is not. Be mindful of FDIC limits. All that I can think of. Thanks for this. I live in WA state and we dont have a state tax, so no concern there. From a liquidity perspective, wouldnt a 7mo no-risk CD share similar characteristics...
by jjunk
Mon May 18, 2020 9:27 am
Forum: Personal Investments
Topic: Moving from Treasuries to CDs
Replies: 19
Views: 1245

Re: Moving from Treasuries to CDs

What is the goal of your fixed income holdings? Are you seeking yield, or are you primarily interested in reducing volatility in your overall portfolio? Reducing volatility for the most part. I dont generally reach for yield but it seems like 1.3% with 7mo duration is better than .67% with a 7yr du...
by jjunk
Mon May 18, 2020 8:56 am
Forum: Personal Investments
Topic: Moving from Treasuries to CDs
Replies: 19
Views: 1245

Moving from Treasuries to CDs

As the initial virus hit the stock market, I moved my 40% allocation in Total Bond to Intermediate Treasuries. I hold roughly 15% of that allocation in my taxable account. I did this mostly because I didnt like the risk characteristics of Total Bond and its exposure to riskier credit assets, especia...
by jjunk
Tue Apr 14, 2020 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: New to Seattle area - where to buy a house
Replies: 28
Views: 2452

Re: New to Seattle area - where to buy a house

I'd echo what someone said above and rent. The vibe in each area around this area is very different depending on what your personalities are. Also, as everyone has mentioned, traffic here is no joke. You'd be best to live close to work as possible, it will save you a lot of hassle in the end. I live...
by jjunk
Sat Apr 04, 2020 4:19 pm
Forum: Personal Consumer Issues
Topic: What Amazon Prime (free) movies y'd recommend ?
Replies: 78
Views: 6948

Re: What Amazon Prime (free) movies y'd recommend ?

lthenderson wrote: Sat Apr 04, 2020 2:54 pm I just finished season 3 of Ozark on Netflix.
+1 for Ozark. One of the best shows I've seen since Breaking Bad
by jjunk
Tue Mar 24, 2020 4:18 pm
Forum: Personal Investments
Topic: Thread: It’s your First recession (or not) and you’re staying the course
Replies: 65
Views: 3858

Re: Thread: It’s your First recession (or not) and you’re staying the course

Not my first go round, but the first where I had enough money that the paper losses "hurt". The things I decided to do: TLH in taxable from S&P to Total US Market when appropriate Swapped my Total Bond fund at Fidelity for Intermediate Term Treasury fund Started saving up cash in an ac...
by jjunk
Mon Mar 16, 2020 11:04 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age ? and this crisis ?
Replies: 173
Views: 10714

Re: What is your AA, given your age ? and this crisis ?

I'm 47. 60/40 and plan to be for the remainder of life. I am effectively FI, especially true if I move to a cheaper COL area. I plan to work another 5yrs or so and then figure out what I want to do.