Early Retirement Extreme Forums

Hi Herp. To respond to one of your earlier posts: Buying alcohol in bars is undoubtedly expensive, and a kind of socialization tax. Avoid if you can. But how? Here are the obvious ways: -Drink only non-alcoholic drinks. But a man must stand his round so having no fun yourself while paying for others...

Agree with halfmoon. Jason, we simply can't have you turning into an optimist. It would detract from the tone of your observations. Less Zen and Pollyanna-eyed optimism. More salty metaphors involving asian ladies working in the service economy! So say I. Also, and at further risk of collapsing some...

PsAi, if you are in the UK and fancy the idea, head on up to Edinburgh before the end of the Edinburgh Festival on 28th. There is truly, something there for everyone. For example until Friday, Yoga "Lucille & Django's Totally Restorative Yoga Retreat!". Failing that Pembrokeshire and a...

0.85% of everything per year.... plus what you guys already pay in taxes is not low. My wallet aches with sympathetic pain. Your government seems to have become a kind of high-fee fund manager! We only hear good things about Norway, the egalitarian society and social support yada yada yada. No doubt...

Well done about being able to cash in the near death experience, glad you got the slingshot orbit instead of straight into the black hole. As a daily cyclist, I do feel the risk of someone's inattention becoming my doom. Sorry about your Brother in law: you cannot help someone whose problem is thems...

I love the "Man speak like Tonto in Third Person" thing. For no easily traceable reason, I am reminded of a story by Adam Roberts, placed in some future where there is AI and also still the influence of Christianity, in a VR playbox where in order for an Artificial Intelligence to be promo...

Really appreciate the book reviews esp the Kapuściński, and running commentary on your re-uprooting. I hope you solve the many inconveniences that come with moving. Not least of which, finding a house to live in. I can recommend A Calculated Life by Anne Charnock (SF, dystopic) and Barkskins by Anni...

Hey Benecia - Plenty of us here in our fifties so you are likely early to the party, not late. At a savings rate of " 33.19%" - almost exactly 1/3, you'd be retired in 25 years https://networthify.com/calculator/earlyretirement?income=60000&initialBalance=0&expenses=40000&annua...

Retire...plan trip...execute plan. Admirable. As a Londoner myself I apologize for the recent "summer weather", also for the tourist trap nature of much of the West End. Much else to do in London that is good. What's sort of things do you enjoy: Architecture? Walking? Food & Drink? Art...

Sympathies from myself, also. I wish for your DH some good moments when the discomfort eases.

Jason's rant-cum-flight-o'-fancy about boats caused me to snort my ginger beer. He's a poetic ranting iconoclast, that one.

Super news, Dutch! I have slowly learned from making budgets, is that there is often a big difference between all the things you can anticipate, and what happens in reality. Life is full of one-off costs, unexpected events and opportunities. Roofs must be fixed, weddings attended, medical expenses f...

Sam, I will join the chorus saying you are light years ahead of almost all in this forum - you have wised up so young and are off to a flying start. At 19! Kudos be thine. As parent of a kid about to go to uni and incur much debt, I totally concur that unless you really think you will have an absolu...

She sent herself! Signed up with the Girl Scouts Of Alaska. Is sending us pictures of the sun while canoeing after midnight. Seems to be loving it. We will have her back for two weeks before she goes off to university in Scotland in September. TBH I am enormously relieved she did it, rather than con...

Me and my brother 6000 miles away, both shamefacedly admitted to buying games in the Steam sale, which we will have time to play in maybe a decade. Games are not like wine - so this is a form of hoarding, at least for virtual goods. How you doing akratic with your struggle against self? I interpret ...

Yup it's chemo. Op was a success but cancer got off the reservation first.

That changes the game, into harvesting the good moments and focusing on keeping at bay the 'douchebag of death', as another poster has termed it.

One more thing: Cut out the fuckin burgers. Yes, those places are convenient, and fast. Think of them like the funnel traps of a wolf spider - and you are not the spider in that scenario. Give the douchebag of death the finger and give the burgers the flip finger. I now credit you " I created a...

Retirement location will affect your outgoings hugely. Will you rent out the condo? To plan how much you need to save, you must plan your expenditure in retirement. Done that? Leaving it vague and keeping '5 years' as a mirage to keep you marching towards the far flung green sunlit uplands, is mere ...

Dude, you have net 350k at 34. Notwithstanding bad earlier decision making, that is freaking awesome compared to the 40-and-in-debt origin stories I sometimes read round here. Strategy sounds solid - HYP plus rental property. All I can say is the usual stuff: control what you can of your outgoings a...

Wotcher, Bristoldude. Glad things are going well. As a long time contractor I observe it's getting trickier to take money out of your company. In the wider scheme of things this is rightly so, but personally it is an embuggerance. One thing I would say, is use expenses where you can, as it is all ta...