Search found 1103 matches

by wolf
Wed Apr 07, 2021 1:37 am
Forum: ERE Journals
Topic: wolf's journal
Replies: 271
Views: 60936

Re: wolf's journal

I'm going to leave the forum temporarily. @jacob thank you for all the inspiration you provided. It supported me to do incredible changes and progress in my life during the past few years. The student must leave the teacher at some point in time, I guess. And you've been a great teacher. Right now, ...
by wolf
Mon Apr 05, 2021 10:03 am
Forum: Lifestyle Questions
Topic: The ERE Wheaton Scale
Replies: 468
Views: 108019

Re: The ERE Wheaton Scale

why don't everybody propose something for the goal* of the ERE Wheaton Table, framed in a few words? Understanding it lies not only in the responsibility of the sender, but also on the receiver. I would say the goal of WL9 is to be an "expert in creating a highly efficient and economically sust...
by wolf
Sun Apr 04, 2021 10:50 am
Forum: ERE Journals
Topic: DutchGirl's journal
Replies: 584
Views: 165509

Re: DutchGirl's journal

That's great progress DutchGirl. You are faster than initially anticipated or planned. That's a very good sign, that you'll achieve all of your financial goals in time. Regarding your pension: Wow, how is that possible? You are 42 years young and have already build up a pension of 2050 euros/month (...
by wolf
Sun Apr 04, 2021 12:45 am
Forum: ERE Journals
Topic: Bankai's Journal
Replies: 163
Views: 44481

Re: Bankai's Journal

Well done bankai with the ultra low expenses in Q1. It is great to see that the stock market crash in 2020 didn't have an influence at all to your NW. What kind of investment strategy do you follow or did you read about? Have you decided yet ;-) It took me about ten years to learn, choose and decide...
by wolf
Thu Apr 01, 2021 11:41 am
Forum: Money Questions
Topic: Income Robustness Score Log
Replies: 45
Views: 5685

Re: Income Robustness Score Log

IR: 2
by wolf
Thu Apr 01, 2021 11:21 am
Forum: ERE Journals
Topic: Fingeek's Journal
Replies: 103
Views: 23491

Re: Fingeek's Journal

Wow, congrats to the progress. You are so close now to cover full 4% spending. Well done. Have fun with your hobbies. What are these?
by wolf
Mon Mar 29, 2021 12:12 pm
Forum: Lifestyle Questions
Topic: The ERE Wheaton Scale
Replies: 468
Views: 108019

Re: The ERE Wheaton Scale

What do you think of changing "desired household spending" to "desired spending per person", because in my observation spending is almost always discussed per Person? @jacob, why did you decide for a household? Secondly, what do you think of calibrating it then on L7 to 1 JAFI, b...
by wolf
Sun Mar 28, 2021 10:35 am
Forum: ERE Journals
Topic: L's Journal
Replies: 182
Views: 34627

Re: L's Journal

Thanks for your journal update. I thought INFPs could handle people well, because of their ability of empathy? Having social capital and the ability to build it is something I consider as room for improvement in my life. After selling your car you will decrease your spending quite significantly to a...
by wolf
Mon Feb 22, 2021 2:38 am
Forum: Money Questions
Topic: Portfolio Charts
Replies: 520
Views: 141098

Re: Portfolio Charts

I always used the ISIN. But first I searched for different funds. If I identified one I save the ISIN locally on my computer e.g. in a spreadsheet, etc. And my broker/bank uses only the ISIN as the master identifier in my portfolio. Buy and sell orders start by submitting the ISIN.
by wolf
Thu Feb 18, 2021 1:17 am
Forum: Money Questions
Topic: Creating my own S&P 100 index fund - Is the return worth the downsides?
Replies: 5
Views: 509

Re: Creating my own S&P 100 index fund - Is the return worth the downsides?

Are dividents also taxed that much? Maybe a divident oriented portfolio is an alternative?
by wolf
Tue Feb 16, 2021 8:41 am
Forum: ERE Journals
Topic: classical_Liberal's Semi-ERE
Replies: 733
Views: 150077

Re: classical_Liberal's Semi-ERE

Many thanks for all the posts over the last 10 years @classical_Liberal
by wolf
Tue Feb 16, 2021 8:37 am
Forum: ERE Journals
Topic: wolf's journal
Replies: 271
Views: 60936

Re: wolf's journal

Thanks for reading and commenting my journal @Western Red Cedar ! re: books If I really like a book or find it very useful then I'll buy it. Otherwise I only borrow it from the library or sell it again. I keep the good ones. And on average I re-read the good ones annually, because every time I re-re...
by wolf
Tue Feb 09, 2021 8:06 am
Forum: ERE Journals
Topic: wolf's journal
Replies: 271
Views: 60936

Re: wolf's journal

@Quadalupe: My Web-of-Goal- and-Processes is there in the background. I don't focus on it very actively these days and I don't have a plan to develop, alter or change it. There will be a time in the future, when I'll focus on it more again. I've set up my ERE(ish)-lifestyle some years ago. It is sti...
by wolf
Mon Feb 08, 2021 10:52 am
Forum: ERE Journals
Topic: ERE Adventuring
Replies: 321
Views: 37081

Re: ERE Adventuring

Congrats on the new best month! Last year during the COVID-19 stock market crash I lost also money in the thousands. Then, a few months later I reflected honestly. I knew I had to learn the lessons, otherwise I risk doing the same mistake twice. Therefore I encourage you to reflect honestly about yo...
by wolf
Sun Feb 07, 2021 1:38 am
Forum: ERE Journals
Topic: wolf's journal
Replies: 271
Views: 60936

Review 2020

Year end financials 2020 Expenses = 5698€ (without health insurance) Savings Rate = 91% Withdrawal Rate = 2.00% Change of FI money compared to Jan 1 2018 = +40k€ (+17%) goal of 420k€ FI money = 68% It was a great year expenses and income wise, but it was only a normal year NW wise. I earned a good ...
by wolf
Sat Feb 06, 2021 7:39 am
Forum: Money Questions
Topic: 1 Jacob Adjusted For Inflation (JAFI)
Replies: 121
Views: 26131

Re: 1 Jacob Adjusted For Inflation (JAFI)

2Birds1Stone wrote:
Tue Feb 02, 2021 8:09 am
Do we have a 2020 update yet? @wolf
1 JAFI in 2020 was $8,738
by wolf
Wed Dec 23, 2020 3:36 am
Forum: ERE Journals
Topic: An American Millennial
Replies: 443
Views: 105620

Re: An American Millennial

Viktor K wrote:
Tue Dec 22, 2020 5:55 pm
I’m like a project manager developer designer QA DevOps engineer customer support and business analyst all in one lol.
Sounds like a Renaissance Man's dream in IT. You like it?
by wolf
Sun Dec 06, 2020 12:25 pm
Forum: ERE Journals
Topic: Gilberto de Piento's Journal
Replies: 468
Views: 133615

Re: Gilberto de Piento's Journal

Thanks for your openness of sharing your thoughts and feelings. Why do you think you "have mostly wasted the last 10 - 15 years" ? I think the same sometimes, too. If I think about the last 10 to 15 years in my life, I am not really sure, if everything was good. And I'll fantasize, if I co...
by wolf
Tue Nov 24, 2020 11:16 am
Forum: ERE Journals
Topic: The reformed materialists
Replies: 60
Views: 14839

Re: The reformed materialists

ThriftyRob wrote:
Tue Nov 24, 2020 11:10 am
I found a link to an FI calculator via MMM. I put my numbers in and it confirmed I’m FI! :)
congrats! what are the conditions to be FI by the calculator?
by wolf
Sat Nov 21, 2020 11:21 am
Forum: ERE Journals
Topic: Liberate Mind: Family Edition
Replies: 33
Views: 5023

Re: Liberate Mind: Family Edition

Hi LiberateMind. Congratulations on quitting! From what I read on your journal you are very well prepared for the life you want in the next x years. I just looked it up, when you first posted here. It's almost eight years, and what you achieved since then. Wow! Wish you all the best and would be gre...