Early Retirement Extreme Forums

<t>I think there is a huge cultural context that is largely ignored in this article, and the words "meaning" "purpose" and "happiness" are such heavily loaded words--I'm not sure these results mean (ha) anything other than what mainstream society/culture/religion has already defined such things to b...

<t>I rolled over the old employer 401k into a traditional IRA at Scottrade, and also used the penalty exemption to withdraw (up to) 10K as a first-time home buyer/borrower. I've had good success with Scottrade and enjoy being liberated from the extremely narrow 401k investment options.<br/> <br/> </t>

"Everyone is so busy, and how many things could we do better if we did not have to think about time as a constraint? And when a culture constrained by time observes a culture not constrained by time, and fails to appreciate it, it uses the word 'lazy'."
-Ran Prieur

I'm curious to hear your thoughts on this: What is the future value of money, currently, in your mind? What discount rate do you personally use when making finance/investment decisions?

Here's what we use in the pilot world: www.luggageworks.com Highly recommended if you travel A LOT.

<r>I think Jacob's blog post is worth revisiting:<br/> <URL url="http://earlyretirementextreme.com/i-dont-need-an-emergency-fund-i-have-a-credit-card.html"><LINK_TEXT text="http://earlyretirementextreme.com/i-don ... -card.html">http://earlyretirementextreme.com/i-dont-need-an-emergency-fund-i-have-...

<t>From an ERE perspective, getting laid off from an employer at 32 was one of the best things to ever happen to me. (In addition to a severance package) I was able to roll over both the 401k and pension lump sum into an IRA account, setting up the investment exactly as I wanted. Then during the low...

@HS, agreed, and thanks. The intentions are often sincere and well-meaning, albeit misdirected (under the assumption of same course, same lifestyle for all).

<t>I'm not fully to my FI goal yet but (like some others have posted recently) I'm using my (FU) money to walk away from a bad situation in my work/career. Internally of course I'm very proud of my decision and know it's a good one based on hours/days/months of strategic thinking. But I dreaded tell...

S, Thanks for posting! Personally I'm going down the path of a more rural/off-grid ERE, though I'm still in learning and experimentation phase. Looking forward to hearing more about your thoughts and experiences.

<t>Via wikipedia: In finance, speculation is a financial action that does not promise safety of the initial investment along with the return on the principal sum.[1] Speculation typically involves the lending of money for the purchase of assets, equity or debt but in a manner that has not been given...

OK, I'll be the first to bite. Where are the single ERE ladies?

<t>I think it's important to remember that what we need to survive (and thrive) as humans is clean water and fresh food, both of which are produced freely from the planet we happen to live on. EREers are largely engaged in the process of "taking back their lives" finding creative ways to secure shel...

...continued from above.. If you want to know a model or price without the stupid exercise of becoming a member to the site, let me know.

Not meant to be a plug, but if anyone is wanting/needing :] a Victorinox knife, I saw TheClymb.com has many models that will be heavily discounted (below retail) through the weekend (Nov 19, 20, 21).

<t>Please don't to dumb-it-down, or pop-ify to gain broader (consumer) market appeal.<br/> Jacob's strengths lie in his ability to approach the varying topics of consumer culture, saving, investing, efficiency, resource depletion, etc. from a highly analytical perspective. I say, show me a cash-flow...

-Kershaw Shallot knife, Ken Onion design
-Xezo Air Commando, Swiss ETA watch
-Carhartt hooded sweatshirt/jacket
-vintage Lakeside hatchet

@Jacob- Don't mind at all.
I hope it didn't come across as too ERE-ogant

<t>I found Jacob's book to be helpful in this respect because of the way it articulates a coherent philosophy and addresses the question of "why ERE?" Admittedly, the first steps of ERE may be a bit frustrating as one tries new things, perhaps unsuccessfully at first, that they have outsourced their...

Has anyone created any apps on Yodlee (similar to mint.com for those of you unfamiliar; access all accounts in one place) specific to ERE that the rest of us cult members could use?