Early Retirement Extreme Forums

Jacob has said it. Without wishing to either state the obvious or derail this thread, there is a whole sub-literature in psychology on ‘dealing’ with the ‘gifted’ child, and in truth that literature is aimed at parents and academics, not teachers, as part of the problem is that being even slightly o...

Assets and liabilities check 02/05/24 Assets Property - £992,000 Saleable collections - £42,000 Car - £10,000 Pension 1 - £961,000 Pension 2 - £95,000 Pension 3 - £138,000 Professional assets - £260,000 ISAs - £0 NS&I - £0 Cash - £4,000 Gross assets- £2,502,000 Liabilities Credit cards - £7,000 ...

IlliniDave, might I suggest you consider just taking the statins? It’s not you, it’s your genetic inheritance. It will likely slightly mess with your sleep pattern, and may cause some eczema issues. But you will much less likely be unexpectedly non-alive.

Jossstick, welcome. It’s great to have people in multiple countries documenting their journeys. We all learn from that.

@ take2 - visiting an old friend who read ERE, retired at the age of 49, got married, and moved here. Did a tour of Fallingwater which I’ve wanted to do for thirty years. Went to a car cruise. Took a road trip to see some other friends in Grand Rapids. Experienced the standard American diet. Now pac...

I'm struck by something whitebelt wrote in biscuits & gravy's journal: Compartmentalizing in the moment is great to get through something in the short term, but disastrous over the long term if you don't ever dedicate time to process all of the things that you pushed aside during those times. If...

@ take2 - yes, I am heavily impacted by the tapering. You can normally get a tax deduction for putting up to 60,000 a year (in 2023/24) into your pension fund if you are unaffected by tapering. I am affected by tapering so I could only get a tax deduction for about the first 20,000 in tax year 2023/...

Assets and liabilities check 02/04/24 Assets Property - £992,000 Saleable collections - £42,000 Car - £10,000 Pension 1 - £970,000 Pension 2 - £95,000 Pension 3 - £148,000 Professional assets - £260,000 ISAs - £0 NS&I - £0 Cash - £7,000 Gross assets- £2,524,000 Liabilities Credit cards - £7,000 ...

@ take2 - you are not wrong...

Loan will be about £15,000 gross; my marginal tax rate is 47% so tax break is worth about £7,000; interest will be less than £1,000 over 18 months...

Assets and liabilities check 04/03/24 Assets Property - £992,000 Saleable collections - £42,000 Car - £10,000 Pension 1 - £922,000 Pension 2 - £95,000 Pension 3 - £148,000 Professional assets - £230,000 ISAs - £0 NS&I - £0 Cash - £4,000 Gross assets- £2,443,000 Liabilities Credit cards - £8,000 ...

(i) rest assured that many of us read and learn from these posts and also from the way your thoughts and habits develop over time. Please keep posting!

(ii) I don’t think you should feel bad about eating oatmeal and salad. It may not be the local cuisine but nor is it climate-destroying.

@ J_ - I have long been a fan of döstädning. I lived for 20 years in a 30 sq.m. apartment and when I was there really had to live mindfully in terms of bringing things into it. Every year or two I would decide to go round and find 100 things to throw away every day for as long as I could. One year I...

I continue to remain grateful to all of the thoughtful people who post on the ERE forums about their hopes, fears, and inspiring adventures. I lurk and I read, even when not contributing. What you do, and talk about doing, individually, and collectively, really helps those of us who mainly lurk. Ass...

I remain grateful to all of the thoughtful people who post on the ERE forums about their hopes, fears, and inspiring adventures. I lurk and I read, even when not contributing. What you do, and talk about doing, individually, and collectively, really helps those of us who mainly lurk. Assets and liab...

Congratulations on the nuptials. As someone who took the plunge for the first time at 49, I was surprised afterwards at how different it felt to ‘just’ being in a committed relationship. It was like there was a new broader base of stability to push off. [I mentioned this to one of my long-married fr...

Assets and liabilities check 01/02/23 Assets Property - £987,000 Saleable collections - £41,000 Car - £8,000 Pension 1 - £793,000 Pension 2 - £88,000 Pension 3 - £110,000 Professional assets - £200,000 ISAs - £0 NS&I - £0 Cash - £9,000 Loans out - £10,000 Gross assets- £2,246,000 Liabilities Cre...

Hurrah for the return of Yellowface. She does indeed look mighty healthy.

Glad that you, FFJ, are also out of the woods healthwise.

That's a lovely story! Congratulations to you both.

First offer, in a couple of days, above listing price is a nice thing to have in the back pocket.

Assets and liabilities check 03/05/21 Assets Property - £350,000 Saleable collections - £17,000 Pension 1 - £656,000 Pension 2 - £85,000 Pension 3 - £96,000 ISAs - £54,000 NS&I - £50,000 Cash at bank - £8,000 Loans out - £16,000 Gross - £1,332,000 Liabilities Credit cards - £4,000 Net - £1,328,0...