Early Retirement Extreme Forums

4% dividend portfolio might be appropriate for someone with a very short time horizon, say 10 years. Longer than this will result in owning dead money stocks and busting any ERE plan. A major weakness of the 4% or any SWR calculation is the probability of failure geometrically increases over time. ...

Took advantage of the recent downturn to start investing in individual dividend paying stocks for the first time in my investing career (started in 2013). After years of extreme Boglehead indoctrination It almost feels like picking up smoking or some other bad habit. However I feel it is more of a (...

Well, if my shrink is to be believed, I'm still in "crisis mode" and trying to cope. The past months have been eventful and stressful. With several radical changes taking place in a relatively short period of time, it was almost too much for me to bear. Leaving my hometown I've finished my...

Random ramblings... My relationship with my girlfriend is going through some rough times. We've been having some stressful discussions about housing. She wants us to buy an apartment. I see no problem with renting. She wants stability. I want flexibility. She wants children. I'm indifferent (no long...

These charts are amazing.
Would you be willing to share the formulae / spreadsheets?

I've obviously noticed a radical change in myself along with the change in my life situation. ERE is no longer one of my top priorities in life. I think at some point it will become more of a priority to focus on savings rate, but right now I'm just a happy family member who is tied up with house c...

Hi all, time to update this journal. I started my internship on September in one of the largest law firms in the country. The experience so far has been somewhat of a mixed bag. It is not as pressuring and life consuming as I thought it would be - I generally leave the office by 18:30 which is consi...

FWIW, I don't see biglaw + caring for an ailing mother + continuing a semi-long distance relationship that includes pressure to decide about kids working out well. Biglaw is not a job; it is not a career; it is a lifestyle. If you do biglaw properly, you will only do biglaw and you will lose everyt...

Hi all, it's been awhile. Hope everything is well :) Thought I'd give a quick update on how things are going, almost five years after I started this journal. Mainly doing this to sort my own thoughts, but would be very happy to hear some insightful comments from you intelligent bunch ;) - I am now a...

So relieved to see it back alive. Thank you so much for your work on this Jacob.

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One could also convert to Judaism or prove Jewish ancestry (a Jewish grandparent would suffice) to acquire Israeli citizenship. I thought you need atleast your mother ('s side) to be a Jew in order to claim Jewish ancestry. That is indeed the case according to Jewish law. But Israeli law extends th...

• What motivated you to want to retire early? For me it was the combination of an unsatisfying career and reaching age 30 (one third-life-crisis) • How old were you when you early retired and how many years did you have to work for it? I found ERE in 2013. I was 29 at the time. I didn't really "...

That was a great read. Thank you. Looking forward for more..

ugh, re-reading what I wrote I sound extremely bitter and make things worse than what they really are. ;) @Jacob three years ago you wrote in reply to (similiar) concerns I raised in this very thread: "Warning: Quitting or retiring won't automatically solve the "existentialist problem"...

First semester is behind me. I feel I need to express my thoughts, I'm sorry if this somewhat harsh or inappropriate. I hate to say it but law school is not as intellectually stimulating as I thought it would be. I now feel it is mostly a waste of time with massive workload. I hardly derive any insp...

So I rented out the apartment for a sum equivalent to 1,000$ per month. With my tiny business venture, my total monthly passive income now stands at 1,500$ per month. That means that post ERE, I make almost 1/2 of what I made pre-ERE. Even a minimum wage burger flipping job would put me at my pre-ER...

One could also convert to Judaism or prove Jewish ancestry (a Jewish grandparent would suffice) to acquire Israeli citizenship. Pros: high quality state sponsored healthcare till you're dead; low crime; lucrative tax benefits for new immigrants; nice weather Cons: occasional security tensions; males...

May 2015 Update. It's now more than 7 months since I ere'd. Time is not slowing down . Surprise surprise. Although I don't miss my old job in the slightest, I cannot recall doing anything truly significant since retiring. The biggest news is that I practically moved in to live with my mother. She is...

I ERE'd six months ago at the age of 30 and am about to start Law school in October here in Israel. I'm mainly doing this because after years of cerebral degeneration I feel like school could help me fire up my hibernating brain and consequentially slow down my perception of time, which I find as im...