Early Retirement Extreme Forums

"The top is in*" https://i.imgur.com/5731TdN.png *maybe it is, maybe it isn't but I haven't posted one of these graphs in well over a year. This graph represents the past 6.5 years of data since starting to track combined finances with my spouse. Blue line = rolling previous 12 months of c...

There isn't even the older excuse that "there is no alternative": one can get 5% from cash today. To play devils advocate, when interest rates do eventually go back towards zero.....that would prop the markets. If cash is paying 5% and we're still where we are with equity valuations, mayb...

Very cool. Tampa Bay area is our home away from home. We spend significant time there every year, including 2024 where after our 3 month road trip from NY through the PNW, Cali for EREfest, SW we will spend 4-5 weeks down there from end of October through Thanksgiving. If you're up for it, DW and I ...

Very cool plan and I will be following along and living vicariously through you.

Would definitely be interested in discussion about boat costs. Are you currently based in FL?

Seppia wrote: ↑

Thu May 16, 2024 6:36 pm

With markets being so high, I am surprised we aren’t hearing about the “I invested in the stock market and I am retiring at age 11” crowd.

Is it that high? We're up ~10% from the November 2021 highs.....

Nice! i would either skip the sections from Lagos to Sagres by taking the bus, or if you decide to walk them, do the first two in a single day, they are both short and not that exciting. Once you get to Sagres and head north it gets pretty incredible. There is quite a bit of walking on soft sand, so...

Ever since late 2019 we've been traveling around with light weight synthetic utensils from REI, chop sticks, aluminum straws, washable cloth napkin and salt/pepper packets.......the amount of plastic waste this has saved is incredible. It's also made doing what you're describing much more pleasurabl...

Beautiful pictures! You make me want to go back to Vietnam so badly! (we will in Feb) Now that you're not actively earning income, try not to stress the ups and downs of the market. It's a rollercoaster and if you can accept that, it's all going to work out. For example, in the first 9 days of May w...

Ah Lisbon!! Enjoy your travels. We hiked the Fishermans Trail from north to south last year in May and it was PERFECT weather + lots of beautiful flowers. The sections from Porto Covo to Sagres were the best.....highly recommend it if you're into that sort of thing. It was quite empty and the villag...

Sounds like the perfect scenario to do less and less until they show you the door.

Do you have a version that isn't behind a paywall?

If you're comparing 10 different SP500 index funds, they will all have nearly identical returns, ditto for funds/ETF's that track other index's. You biggest decision is probably more around what you want your asset allocation/investment portfolio to look like at a macro level. This will be based on ...

Small correction, the Trinity Study assumes a 30 year draw down. It also assumes 1% annual fee on portfolio and a 50/50 allocation (where more comprehensive and thorough literature shows a much improved success rate with higher ie 60/40-80/20 allocations). At 42 years old and still working, I would ...

@mF, interesting observation regarding the big brand bike shops. Trek did this on Long Island in NY and I hate to say it, has a MUCH better reputation for quality of service AND turn around times vs. the independent LBS's in the area. The inventory arrivals being delayed from late 2020/through 2021 ...

This is something very specific to the bike industry right now. It's imploding, with several direct to consumer brands going kaput over the past 6-12 months. When I was bike shopping in December 2021 I was lucky enough to pay MSRP for a $4k Trek MTB, dealers just couldn't get enough stock to meet su...

April Update Celebrated 11 months since leaving paid employment yesterday. Things are going better than I could have imagined, and there's definitely truth to what is being discussed in some of the other recent threads that money is like water after a certain point, you just don't need more or thin...

No alarm required for us, I typically wake up around 5-6 AM and am in bed before 9 PM. Being active during the days makes going to bed fairly early easy.....especially in places in the world closer to the equator where the days are relatively stable in length. It does get a bit more difficult and we...

Thank you for sharing your thoughts on the downsides of this lifestyle. I agree with many of the points, though some of these issues can be mitigated with some experience and planning :) One thought that came to mind as I finished reading your update....you went through TWO enormous transitions simu...

Greetings from Italy! We arrived a couple of days ago, after a quick shower/nap near the airport in Rome we took the train down to Gaeta where we've been for the past two days. It's a magical seaside village of ~20k people that has fairly prominent (~1,500M) mountains seemingly rising from the sea. ...

Until the "big event" it's a guaranteed loser due to decay.