Early Retirement Extreme Forums

Sometimes I wonder about being a greeter at an Apple Store, one of those people that needs to say "Hello!" to everyone that walks in. I think that would be a good challenge for me. Joining the opposite party political campaign would probably be even better... Join a church! Become a minis...

<r>@ExpatERE Thanks <E>:)</E> I really need to try to stick at 165 and try to get stronger. Sadly, I think the way this usually has to happen is: Gain muscle and fat, then lose fat... I don't think I bulked up enough before cutting... (I was up above 180 before)<br/> @digitalcog I'm using a "buy eve...

<t>JULY 2011 UPDATE<br/> <br/> --------------------------------------------<br/> <br/> Notes for this month...<br/> - Spending dropped thank goodness although trips / weddings / gifts etc are still factoring more into the expenses than I expected...<br/> - Net worth didn't go up as much as I had hop...

Wow. That guy is awesome

<r>JUNE 2011 UPDATE<br/> <br/> --------------------------------------------<br/> <br/> OK, so June was another epic fail in the ERE department. I attended a destination wedding in Hawaii and yeah, it wasn't cheap. Unfortunately, I still haven't finished paying for it yet. There were group expenses t...

72(t)! 72(t)! 72(t)! 72(t)! 72(t)! 72(t)! 72(t)! 72(t)! 72(t)! 72(t)! 72(t)! 72(t)! 72(t)! 72(t)! 72(t)! 72(t)! 72(t)! 72(t)!

I've worked 5 years so far... Probably another 4 to go so 9 total... Ugh, it's too much

I would say go ahead and include it but estimate you future tax rate (would be low in ERE) and subtract that fraction off. Once you leave your job you'll be able to roll over to an IRA and 72T your money out gradually at any age.

<r>Software engineer +1<br/> I liked Akratic's solution here:<br/> <br/> <URL url="http://forum.earlyretirementextreme.com/viewtopic.php?t=532#post-6424"><LINK_TEXT text="viewtopic.php?t=532#post-6424">http://forum.earlyretirementextreme.com/viewtopic.php?t=532#post-6424</LINK_TEXT></URL><br/> <br/>...

<t>I had exactly the same problem with mint when I started investing. You wind up with a ton of transactions and it all gets to be a pain in the ass to fix... I wound up just excluding the investment accounts from trends (you can do this on the account page) and just using mint to track net worth (i...

<t>Yeah, I think you have to consider both current costs and a separate ER cost estimate because your costs will definitely be different in afterwards. The biggest differences for me will be the lack of a commute (car depr, gas, maintenance, etc) and the addition of health insurance. I think I'll al...

That's sensible... For the most part, any money you put in a slot machine you might as well have set fire to

<r>Thanks <E>:)</E> I spent a while putting those graphs together <E>:)</E><br/> Re the gambling - I'm an advantage gambler so I make money gambling, but the variance is very high. I'll have lots of big winning sessions and lots of slightly smaller losing sessions for a net win overall. I've actuall...

<r>MAY 2011 UPDATE -- WITH ALL NEW GRAPHICS! <E>:)</E><br/> <br/> OK, I have been really bad about updating my journal. I think the problem was that I was trying to keep track of too many different things and when I fell behind I totally fell off the rails. I'm debuting my new system that is easier ...

@JohnnyH, we had a huge thread talking about it here. I recommend reading Josh's and my posts in that thread, especially Josh's first big post which is really good.

<t>9-5 Job: 330% of expenses<br/> <br/> Advantage gambling / casino promotion whoring: 120% of expenses<br/> <br/> Investment income: 24% of expenses<br/> Planned: I want the traditional ERE solution of having investment income cover expenses and I'll let the advantage gambling be a bonus... I don't...

You could buy short REIT funds or puts in the same as a hedge...

<t>I am extremely skeptical of "traditional medicine". <br/> The whole idea that there's some conspiracy between big pharma and doctors to keep us away from cheap traditional medicine is BS.<br/> Evidence based medicine with double blind trials is the only medicine I would want to use. Anything else...

<t>Welcome!<br/> How were you living in Yosemite for 18 months? Was this an RV / tent living kinda deal?<br/> So you're not an EMH fan, I take it? How do these edges endure? Are people generally unaware? I always wonder why someone hasn't taken advantage of the situation if it really does exist. The...

<r>In this movie called "Now", everybody wears watches that say how long they have to live and when they get to zero, you die. You pay for things with minutes of your life eg a bus ride might cost 1 hour. Super rich people have thousands of years.<br/> That said, I want to make an iphone app that le...