Early Retirement Extreme Forums

<t>I would think you could use the export option (on the investigate tab) in firecalc to get the data that you need to put together your own custom spreadsheet to test various variable withdrawal rate scenarios. You can do one run with 0% inflation and $0 withdrawal amount to get the annual return f...

<t>Does she plan on working long enough to collect it?<br/> If so, I would multiply it's value by whatever probability you feel comfortable putting towards the likelihood of it being around (my guess is it's pretty likely) when it comes time to collect and use those figures in your estimates. I woul...

<t>To me it would entirely depend on the flexibility of that 8 hours per week.<br/> As it is - I'm hoping to do a sort of hybrid version of this.<br/> Working full time through the end of this year will put me at 6 years since graduating (though only 2 years into ERE mindset). If I worked another 4 ...

<t>"8) Don't take this the wrong way, but I think I learn nothing from these discussions. I feel like I've seen it all before. The data. The ways people argue. The discussion patterns. This is part of why I'm trying to take this to the meta-level hoping to save you all some time in not having to spe...

<t>I'm really enjoying your journal. Particularly because I'm projecting to be in almost exactly the same situation financially at the end of this year as you are going into it and have set the end of the year as a goal to make some sort of major change in my life. <br/> What is your internet servic...

<t>There aren't any secret early retirement tax deferred options beyond 401k/IRA. <br/> You might be able to pick up a little more with an HSA or something - but the bulk of your savings will likely be taxable. You can minimize the taxes you'll pay through your investment choices, but that's about i...

Probably covered several times in the forum... look up roth pipeline and/or 72t withdrawals for 401k/IRA.

So God made a self interested, creative creature who responds to material incentives...

<t>What do you propose using instead?<br/> Inflation probably averaged around 3% during that time period so 8% is 5% in real terms. <br/> Those 30 years also included one of (if not the) biggest growth periods in stocks, ever. Granted it was also followed up by a pretty bad period.<br/> 4% typically...

<t>Depends on your goals and will probably vary a lot by industry and company. <br/> I personally am not very good at keeping a work-life balance. I like to exceed expectations and dive head first into projects. This turns into regular 50-60 hour weeks (occasionally more, occasionally less). I've al...

<t>@Spartan_Warrior: I've just researched and tinkered a little with this stuff so take anything I say with a grain of salt since I haven't actually done anything more than build a proto type using a couple trash cans. <br/> That said - from what I've read - it should definitely be feasible to do th...

<t>@Spartan_Warrior: I've seen the IBC containers for sale on CL in my area for a wide range of prices - sometimes as low as $25 each. I'd keep an eye on it and jump on a deal if one pops up. I've also seen several examples that were just built using 2x4 and pond liner. That should be fairly inexpen...

<r>Thought I'd post some links that I sent myself when I was looking into this (both for personal use and as a potential business to run post semi-FI) in case anyone is interested. <br/> <URL url="http://www.backyardaquaponics.com/Travis/Simplified-Manual.pdf"><LINK_TEXT text="http://www.backyardaqu...

<t>I'm intrigued by the subject and have read a decent amount about it. I met with a guy who teaches classes on it locally about starting a commercial aquaponics set up (I came to the conclusion that its probably a very poor investment vehicle). <br/> I haven't done a real set up of my own as I plan...

<t>@C40 - Thanks! I wasn't starting from 0 - saving young had always been something my dad emphasized so I had at least been doing my IRA since I started working at 16 and 401k as soon as I had jobs that offered them. <br/> As far as the income goes - I do think that I'm pretty good at what I do - b...

<t>Hit some milestones this month.<br/> <br/> 1/2 of the way to my goal basic living expenses FI mark.<br/> <br/> Also hit a new low for expenses.<br/> I've also come to the decision that 2013 will be the last year I work full time behind a computer all day long. I won't be FI at that point - but I'...

<t>I don't know that I'll keep posting regular updates here but...<br/> It's been 1 year since I first started reading Jacob's blog and it took a month and a half before I started really doing something with what I was learning - but in that year I've had a slightly over 53% savings rate and increas...

Statistical Modeler/Programmer

Have you talked to your husband about your plans/goals? Obviously you can't control him - but I think it would certainly go better if you could get on the same page about spending, even if that means compromises to keep both of you happy.

<t>You're bringing home $1000/mo right now at the second highest pay grade at your current job? <br/> I'm going to disagree with a few of the other posters and say that your time is better spent on figuring out how to increase your income than it is on decreasing your already minimal expenses. <br/>...