How Am I doing ? (39 y/o, NW- 3.5 mil)
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How Am I doing ? (39 y/o, NW- 3.5 mil)
[See my post below. --admin LadyGeek]
Hi Bogleheaders,
Taxable: 1147 (combination of index funds, and stocks)
401K/matching funds: 829
Deferred Comp: 265
529 plans: 150 (2 children 6, 7)
Roth: 75
New annual Contributions
401K- 36 + Employee contrib- 20 = 56
Deferred comp- 50
Roth 10
Taxable contributions: 120-150/year (may decrease if one of us goes part time)
529 Contributions: 26
Cash 50
House: 950 (paid off)
My Age 39, Spouse 39
Gross Income: 500+
Annual expenses 60
Retirement age 50, expenses in Retirement ? 120
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Want to see if anyone is in a similar situation, and if anyone has any suggestions.
Hi Bogleheaders,
Taxable: 1147 (combination of index funds, and stocks)
401K/matching funds: 829
Deferred Comp: 265
529 plans: 150 (2 children 6, 7)
Roth: 75
New annual Contributions
401K- 36 + Employee contrib- 20 = 56
Deferred comp- 50
Roth 10
Taxable contributions: 120-150/year (may decrease if one of us goes part time)
529 Contributions: 26
Cash 50
House: 950 (paid off)
My Age 39, Spouse 39
Gross Income: 500+
Annual expenses 60
Retirement age 50, expenses in Retirement ? 120
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Want to see if anyone is in a similar situation, and if anyone has any suggestions.
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- Posts: 63
- Joined: Wed Sep 02, 2015 5:33 pm
How Am I doing ? (39 y/o, NW- 3.5 mil)
Forgot to mention, pension expected at age 60 of 100K/year
Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
You should be fine. Enough to quit now if needed. Since you'll work until 50 you'll have plenty of breathing room. Depending on how much you like your job vs balancing time for family I would heavily consider going to part time in a situation like yours. Enough work to feel busy here and there but extra time for vacations and enjoying family. Make your 120k in living expenses, max out your tax advantaged savings accounts and call it a day. There is no reason to live as cheaply as you are while making and saving as much as you are without a specific goal. Do you want to retire with 20 million in the bank and then live rich? Do you want to leave a large amount to your children or charity?
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Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
"How am I doing?" Seriously?
I'll offer a serious response anyways. Congratulations, you're fine. How'd you feel about retiring earlier than 50?
Don't know if you're for real, but I also don't see a reason to go negative. I like dreaming about winning the lottery too, so let's look at the numbers, and project some scenarios.
Seems like you're on track to get to 5 million in investments (not net worth) by about age 47, knock on wood. That'd be enough to probably carry you through retirement on its own, but you have a pension that kicks in at 60 and you also have social security.
Is that pension fully vested, or does it assume working to some specific age? And is that pension supposed to be the equivalent of 100K in today's dollars, or is it 100K/yr in year=2036 dollars
I'd advise plugging numbers into a spreadsheet and playing around with things: Assuming 34% effective averaged tax rate, 500K income, 200K budget, 158K taxes, and ~$180K saved, and assuming 4% returns on your overall portfolio in real terms, you might expect to grow your portfolio from 2.5M to 4M in the next 5 years, assuming no major stock market crashes.
Assume the stock market crashes, and assume the real return is only 3%, and you're still in great shape. You'd probably grow your portfolio to $3.5M by 45. (modelled as a 500K hit to the portfolio this year)
Let's say you decide to downshift/retire at 45 to pursue other passions. Conservatively, if you have 1M at 60, it'll throw off 20K in perpetuity and should grow to cover inflation on your pension. So if you did something insanely conservative like take 15 yrs x 120K = 1.8M and put into a TIPS ladder, and then set aside another 1M to supplement your pension at age 60, you'd be set. This is super conservative and you'd be fine w/ less, but I'm arguing 2.8M in assets at age 45 is a conservative upper-bound on what you'd need.
Even in the 2nd scenario, by age 45, you've got 3.5M and that would give you quite the safety net to cover cost overruns elsewhere, such as for college. Heck, by 47, you're down to a 3% withdrawal rate, which would likely cover your entire retirement on its own. (And you've got a pension and SS)
Run some numbers and scenarios. You've definitely got lots of options. (And re-reading this, you're actually saving a lot more than 180K/yr? So, are you sure you don't want to retire in the next few years?)
Usual caveats: examine that 120K budget. Is that actual post-tax spending, or pre-tax? Does that include health insurance? But when you've got this kind of scenario, it hardly matters.
I'll offer a serious response anyways. Congratulations, you're fine. How'd you feel about retiring earlier than 50?
Don't know if you're for real, but I also don't see a reason to go negative. I like dreaming about winning the lottery too, so let's look at the numbers, and project some scenarios.
Seems like you're on track to get to 5 million in investments (not net worth) by about age 47, knock on wood. That'd be enough to probably carry you through retirement on its own, but you have a pension that kicks in at 60 and you also have social security.
Is that pension fully vested, or does it assume working to some specific age? And is that pension supposed to be the equivalent of 100K in today's dollars, or is it 100K/yr in year=2036 dollars
I'd advise plugging numbers into a spreadsheet and playing around with things: Assuming 34% effective averaged tax rate, 500K income, 200K budget, 158K taxes, and ~$180K saved, and assuming 4% returns on your overall portfolio in real terms, you might expect to grow your portfolio from 2.5M to 4M in the next 5 years, assuming no major stock market crashes.
Code: Select all
avg tax rate: 26% federal + 8% state 401K contrib real return from portfolio
assume 2% real raises 0.34 36 4%
0.00%
year age funds income budget, excluding mortgage payment taxes saved big expenses investment income mortgage payment
0 39 2500 500 200 158 178 0 100
1 40 2778 500 200 158 178 111 0
2 41 3068 500 200 158 178 123 0
3 42 3369 500 200 158 178 135 0
4 43 3682 500 200 158 178 147 0
5 44 4007 500 200 158 178 160 0
6 45 4346 500 200 158 178 174 0
7 46 4698 500 200 158 178 188 0
8 47 5064 500 200 158 178 203 0
9 48 5445 500 200 158 178 218 0
10 49 5841 500 200 158 178 234 0
11 50 6252 500 200 158 178 250 0
12 51 6681 500 200 158 178 267 0 college?
13 52 7126 500 200 158 178 285 0
14 53 7590 500 200 158 178 304 0
15 54 8071 500 200 158 178 323 0
16 55 8572 500 200 158 178 343 0
Code: Select all
real return from portfolio
3%
year age funds big expenses investment income
0 39 2500 500 75
1 40 2253 68
2 41 2499 75
3 42 2752 83
4 43 3013 90
5 44 3282 98
6 45 3558 107
7 46 3843 115
8 47 4137 124
9 48 4439 133
10 49 4751 143
11 50 5071 152
12 51 5402 162
13 52 5742 172
14 53 6093 183
15 54 6454 194
16 55 6826 205
Even in the 2nd scenario, by age 45, you've got 3.5M and that would give you quite the safety net to cover cost overruns elsewhere, such as for college. Heck, by 47, you're down to a 3% withdrawal rate, which would likely cover your entire retirement on its own. (And you've got a pension and SS)
Run some numbers and scenarios. You've definitely got lots of options. (And re-reading this, you're actually saving a lot more than 180K/yr? So, are you sure you don't want to retire in the next few years?)
Usual caveats: examine that 120K budget. Is that actual post-tax spending, or pre-tax? Does that include health insurance? But when you've got this kind of scenario, it hardly matters.
Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
What I really want to know is, why are you only contributing 10k to the (presumably backdoor) Roth instead of 11k?
And how are you only spending $60k a year with two young children and a $950k house? What are your property taxes?
And why do you anticipate that your expenses will double when you reach retirement?
And how are you only spending $60k a year with two young children and a $950k house? What are your property taxes?
And why do you anticipate that your expenses will double when you reach retirement?
Haha I love that term!Dimitri wrote:http://www.urbandictionary.com/define.p ... humblebrag #humblebrag
Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
There is literally no way to calculate this that doesn't come out to "you're doing fantastic".
The reality is that you already have more saved than most Americans will earn in an entire lifetime.
Average American in your age group has a net worth (not counting home equity) of about $15,000. Just your investments are over 150x that. So it would take 150 average Americans to equal what you have.
You have enough saved to provide yourself with $120,000 in income + your $100,000 pension. That's $220,000 total per year. That's enough for 10 of us mere mortals who are at least a bit frugal to retire right now.
The reality is that you already have more saved than most Americans will earn in an entire lifetime.
Average American in your age group has a net worth (not counting home equity) of about $15,000. Just your investments are over 150x that. So it would take 150 average Americans to equal what you have.
You have enough saved to provide yourself with $120,000 in income + your $100,000 pension. That's $220,000 total per year. That's enough for 10 of us mere mortals who are at least a bit frugal to retire right now.
Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
The retirement planning seems straightforward for you as others have posted. With early retirement at age 50 before the pension you should easily have enough in taxable accounts. I assume that the projected increase in expenses includes paying for healthcare which is a large added expense for early retirees even healthy folks.
You may decide to focus your attention on other components of your personal finance picture such as estate planning. You may decide to try to plan for sizable gifts to charity or for your kids beyond college costs (down payment, wedding, car, living expenses, retirement) if you are so inclined.
You may decide to focus your attention on other components of your personal finance picture such as estate planning. You may decide to try to plan for sizable gifts to charity or for your kids beyond college costs (down payment, wedding, car, living expenses, retirement) if you are so inclined.
Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
The OP is doing about as well as the folks who responded in the If your networth is over $3 million, how did you do it? thread. I hope they would not mind posting over in that very lengthy thread.
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Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
Well, this might be a fictional caricature making fun of the stereotype boglehead ... relatively high income, large pile of assets, low debt, somewhat frugal, wringing hands over 'having enough'. Not everyone out on the interwebs thinks we're as cool as we think we are
But it case it is a serious question, the OP needs to seriously invest in his own financial literacy. Dr Bernstein's books come from about as conservative a slant as I've ever seen (short of outright doomsday porn). OP should read The Four Pillars or maybe one of the other selections from the list of recommended reading that I'm pretty sure is in the wiki or something.
But it case it is a serious question, the OP needs to seriously invest in his own financial literacy. Dr Bernstein's books come from about as conservative a slant as I've ever seen (short of outright doomsday porn). OP should read The Four Pillars or maybe one of the other selections from the list of recommended reading that I'm pretty sure is in the wiki or something.
Don't do something. Just stand there!
Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
Outside the automatic 401K savings, you only have a bit over two years salary saved up. You could definitely do better. The pension figure sounds high. How long have you been working?
BH Consumer FAQ: |
Car? Used Toyota, Lexus or Miata. |
House? 20% down and 3x salary. |
Vacation house? No. |
Umbrella? $1 million. |
Goods? Costco.
Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
If your goal is financial security through a long retirement, you'll be fine. Instead of working on getting more money, now you may want to work on securing that money. Converting that 401(k) to a roth IRA over the duration of your retirement can limit the bite that the government will take. As can using that 401(k) for charitable donations.
If your goal is to make as much as possible, bet it all on black.
If your goal is to make as much as possible, bet it all on black.
I'll gladly pay you Tuesday for a hamburger today.
Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
ilovepiano, Welcome!
Long story short, you're doing great.
Unfortunately, your situation has generated quite a number of off-topic responses which derailed the thread. I have removed everything except for your posts.
ilovepiano, please PM me if you wish to reopen the thread. Let's keep this thread locked until I hear from ilovepiano.
To our experienced members: Please Do Not Bite the Newcomers
(Topic locked.)
Update: Topic unlocked, see below.
Long story short, you're doing great.
Unfortunately, your situation has generated quite a number of off-topic responses which derailed the thread. I have removed everything except for your posts.
ilovepiano, please PM me if you wish to reopen the thread. Let's keep this thread locked until I hear from ilovepiano.
To our experienced members: Please Do Not Bite the Newcomers
(Topic locked.)
Update: Topic unlocked, see below.
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Follow up post
Thanks for the great replies especially to random walker. I wanted to respond to the person that said I could be doing better because I only had two years salary saved. I agree, it's because I have been aggressively paying off house over the past two years. I'm now going to be as aggressive in investing in vanguard funds. I sold about 125 in vanguard funds to make the last house payment (when the DJ was 17.5) so that was good timing. Spouse is worried about finances so that was part of reason for posting. Turbulent times.
Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
^^^ FYI - I moved ilovepiano's post into the original thread.
ilovepiano - please don't start a new thread. PM me to discuss, thanks.
(Thread remains locked.)
Topic unlocked, see below.
ilovepiano - please don't start a new thread. PM me to discuss, thanks.
(Thread remains locked.)
Topic unlocked, see below.
Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
After PM discussion with the OP, I have moved some earlier posts back into this thread so the OP can reply.
Please stay factual and respond in a civil manner.
This thread is now unlocked.
Please stay factual and respond in a civil manner.
This thread is now unlocked.
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Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
10 years. Pension is 2% per year for first 20 years after that 1% /year of highest salary (if you work 25 years you get 45% of highest salary)
snackdog wrote:Outside the automatic 401K savings, you only have a bit over two years salary saved up. You could definitely do better. The pension figure sounds high. How long have you been working?
Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
It seems to me like you could retire earlier than your stated goal of age 50. Any interest in doing that?
Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
There is an IRS cap on that pension of $210,000.ilovepiano wrote:10 years. Pension is 2% per year for first 20 years after that 1% /year of highest salary (if you work 25 years you get 45% of highest salary)
snackdog wrote:Outside the automatic 401K savings, you only have a bit over two years salary saved up. You could definitely do better. The pension figure sounds high. How long have you been working?
Gill
Cost basis is redundant. One has a basis in an investment |
One advises and gives advice |
One should follow the principle of investing one's principal
Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
This seems like a humblebrag post, OP.
It should be obvious that you can retire right now. And you will have most of that money left over when you die if you don't give it away.
Anything you earn between now and when you retire will be going to your heirs or charity. I'm sure you love what you do, but if not you should focus on quality of worklife/family life since the money is not really needed.
It should be obvious that you can retire right now. And you will have most of that money left over when you die if you don't give it away.
Anything you earn between now and when you retire will be going to your heirs or charity. I'm sure you love what you do, but if not you should focus on quality of worklife/family life since the money is not really needed.
Last edited by sfchris on Mon Sep 07, 2015 6:30 pm, edited 2 times in total.
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Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
Nope.
What do you bogleheaders think about aggressively increasing deferral compensation in this situation (I can defer up to 100% of my salary). Seems like a win win to me.
What do you bogleheaders think about aggressively increasing deferral compensation in this situation (I can defer up to 100% of my salary). Seems like a win win to me.
CoAndy wrote:It seems to me like you could retire earlier than your stated goal of age 50. Any interest in doing that?
Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
ilovepiano wrote:Nope.
What do you bogleheaders think about aggressively increasing deferral compensation in this situation (I can defer up to 100% of my salary). Seems like a win win to me.
CoAndy wrote:It seems to me like you could retire earlier than your stated goal of age 50. Any interest in doing that?
I'm kind of curious how one defers 100% of such a high salary.
That being said, why not save more tax deferred if you are able and willing to.
To answer your previous question, your savings/ income is impressive. I would look at how much income you need in retirement to live the lifestyle you expect. It could be that you are already there, or it could be that you need to save a bunch more. It's obvious that if you wanted to live on 50 to 75K a year, you are almost done. If you want a few 100K a year then continue on your course.
Never underestimate the power of the force of low cost index funds.
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Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
I'm kind of curious how one defers 100% of such a high salary.
* Non - Qualified Deferred comp plan-- If company goes insolvent you are treated as a general creditor. Chances of this happening for my company in the next 10 years is probably < 1%
* That being said, why not save more tax deferred if you are able and willing to.
Already maxing out tax deferred space
To answer your previous question, your savings/ income is impressive. I would look at how much income you need in retirement to live the lifestyle you expect. It could be that you are already there, or it could be that you need to save a bunch more. It's obvious that if you wanted to live on 50 to 75K a year, you are almost done. If you want a few 100K a year then continue on your course.[/quote]
* I don't need much, because I am a low maintenance happy person. The things I enjoy doing do not cost much money. I play piano (no cost). I go jogging/running (minimal cost), I am an photographer (no cost), I mow my own lawn, I occasionally cut my own hair (yes I am still a handsome guy), I do not play golf or belong to a country club. Whatever I want, I buy but I do not have a lot of needs or wants.
* Non - Qualified Deferred comp plan-- If company goes insolvent you are treated as a general creditor. Chances of this happening for my company in the next 10 years is probably < 1%
* That being said, why not save more tax deferred if you are able and willing to.
Already maxing out tax deferred space
To answer your previous question, your savings/ income is impressive. I would look at how much income you need in retirement to live the lifestyle you expect. It could be that you are already there, or it could be that you need to save a bunch more. It's obvious that if you wanted to live on 50 to 75K a year, you are almost done. If you want a few 100K a year then continue on your course.[/quote]
* I don't need much, because I am a low maintenance happy person. The things I enjoy doing do not cost much money. I play piano (no cost). I go jogging/running (minimal cost), I am an photographer (no cost), I mow my own lawn, I occasionally cut my own hair (yes I am still a handsome guy), I do not play golf or belong to a country club. Whatever I want, I buy but I do not have a lot of needs or wants.
ofcmetz wrote:ilovepiano wrote:Nope.
What do you bogleheaders think about aggressively increasing deferral compensation in this situation (I can defer up to 100% of my salary). Seems like a win win to me.
CoAndy wrote:It seems to me like you could retire earlier than your stated goal of age 50. Any interest in doing that?
Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
How are you living in $60K a year? I'm very curious on this.
My income and age is similar to yours, but net worth is just over half.
With 3 kids our annual living expense is about $25k per person in our house, or $125K per year. We live modestly. That does include two houses and two mortgages but those total about $25K a year for mortgage, so brings us down to $20K/person per year.
As for your question, I see no reason you couldn't retire by 50. I have a goal of $10M them out. You should be there easily by 50 given your savings rate and modest return scenarios.
My income and age is similar to yours, but net worth is just over half.
With 3 kids our annual living expense is about $25k per person in our house, or $125K per year. We live modestly. That does include two houses and two mortgages but those total about $25K a year for mortgage, so brings us down to $20K/person per year.
As for your question, I see no reason you couldn't retire by 50. I have a goal of $10M them out. You should be there easily by 50 given your savings rate and modest return scenarios.
Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
Welcome!
As far as networth to expenses, you are doing amazing!
But to get the most from this forum, consider posting all of your holdings (company name can be left off, just say company stock for more anonymity) in this format viewtopic.php?f=1&t=6212
It is likely you can optimize the holdings you do have and folks here can help with that, to ensure you can continue to save and grow your net worth, and retire when you want. Why will your expenses double in retirement ?
lafder
As far as networth to expenses, you are doing amazing!
But to get the most from this forum, consider posting all of your holdings (company name can be left off, just say company stock for more anonymity) in this format viewtopic.php?f=1&t=6212
It is likely you can optimize the holdings you do have and folks here can help with that, to ensure you can continue to save and grow your net worth, and retire when you want. Why will your expenses double in retirement ?
lafder
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Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
No car payment (3 vehicles/all paid in cash)
No student loans (paid off 3 years ago)
No home mortgage (paid off recently)
Off the top of my head, some monthly expenses all approx- cable/internet (60), water/sewage-100, food ?400, energy 100, gas ?300, cell phone 100.
I am a DIY person also, I recently replaced my car brakes (brake pads on amazon cost $30), when my garage door torsion spring broke I replaced it for about $30, when my toilet wax ring started to leak I replaced it (wax ring costs about 7 dollars from home depot), also installed a different toilet, and replaced my gas range. I don't buy clothes since I have a closet full of clothes. I don't pay for lawn service, mowing my lawn takes me about 30 minutes every 1-2 weeks. I don't think even if I tried I could spend 10K a month.
Yes we have done extensive traveling (Europe, asia etc). I have an iphone, ipad, apple watch. Today was my day off, I gave myself a haircut and had a delicious peanut butter and jelly sandwich for lunch.
No student loans (paid off 3 years ago)
No home mortgage (paid off recently)
Off the top of my head, some monthly expenses all approx- cable/internet (60), water/sewage-100, food ?400, energy 100, gas ?300, cell phone 100.
I am a DIY person also, I recently replaced my car brakes (brake pads on amazon cost $30), when my garage door torsion spring broke I replaced it for about $30, when my toilet wax ring started to leak I replaced it (wax ring costs about 7 dollars from home depot), also installed a different toilet, and replaced my gas range. I don't buy clothes since I have a closet full of clothes. I don't pay for lawn service, mowing my lawn takes me about 30 minutes every 1-2 weeks. I don't think even if I tried I could spend 10K a month.
Yes we have done extensive traveling (Europe, asia etc). I have an iphone, ipad, apple watch. Today was my day off, I gave myself a haircut and had a delicious peanut butter and jelly sandwich for lunch.
Bacchus01 wrote:How are you living in $60K a year? I'm very curious on this.
My income and age is similar to yours, but net worth is just over half.
With 3 kids our annual living expense is about $25k per person in our house, or $125K per year. We live modestly. That does include two houses and two mortgages but those total about $25K a year for mortgage, so brings us down to $20K/person per year.
As for your question, I see no reason you couldn't retire by 50. I have a goal of $10M them out. You should be there easily by 50 given your savings rate and modest return scenarios.
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Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
I would but it's unnecessary. Majority of funds are in index funds. I have a stock portfolio also, blue chip companies.
Lafder wrote:Welcome!
As far as networth to expenses, you are doing amazing!
But to get the most from this forum, consider posting all of your holdings (company name can be left off, just say company stock for more anonymity) in this format viewtopic.php?f=1&t=6212
It is likely you can optimize the holdings you do have and folks here can help with that, to ensure you can continue to save and grow your net worth, and retire when you want. Why will your expenses double in retirement ?
lafder
Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
I am not sure what is the real purpose of your original post since answers to questions asked are deemed "unnecessary".ilovepiano wrote:I would but it's unnecessary. Majority of funds are in index funds. I have a stock portfolio also, blue chip companies.
Dell Optiplex 3020 (Win7 Pro), Dell Precision M6300 (Ubuntu Linux 12.04), Dell Precision M6300 (Win7 Pro), Dell Latitude D531 (Vista)
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Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
So what do you do to make that kind of money?
Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
This.toto238 wrote:There is literally no way to calculate this that doesn't come out to "you're doing fantastic".
Good job, OP. Is there a question here in this thread that you want answered?
Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
Brake pads? Now I'm sure OP is trolling...
Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
OP, I think you are not doing well.
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Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
why? It's not too hard to do. I know some other physicians in my group who do their own car maintenance also.
Sorry about the last "unnecessary" post, that didn't come out the way I intended. Don't want to bore you with what funds I have. Most are Spartan 500, vanguard total stock etc.
Sorry about the last "unnecessary" post, that didn't come out the way I intended. Don't want to bore you with what funds I have. Most are Spartan 500, vanguard total stock etc.
zfaux wrote:Brake pads? Now I'm sure OP is trolling...
Re: How Am I doing ? (39 y/o, NW- 3.5 mil)
I removed an off-topic post. This thread was reopened was to let the OP reply to comments, with the expectation was that he would be obtaining advice on his situation.
This is not a one-way conversation. In light of the fact that no portfolio details will be forthcoming, this thread has run its course and is locked.
This is not a one-way conversation. In light of the fact that no portfolio details will be forthcoming, this thread has run its course and is locked.