Early Retirement Extreme Forums

2021 Update Age :34 Savings Rate :36% (down from 52%) NW :$783,000 (Increase from $662K on 1/1/21) Portfolio Breakdown (60/30/10) S&P500 - 40% BRK.b - 20% Gold - 10% Stable Value - 20% Money Market - 10% - I'm moving some of my emergency funds into I-bonds. I purchased $10,000 last year and ano...

For a while now I've been focusing on exploring the concept of purpose after work, because I realize this is a much more pressing issue than a concern about running out of funds. So true. I've been in a fortunate situation lately where I'm able to take a LOA with my company and still collect unempl...

Thanks Alpha...that vegan bean seitan is legit and easy to make.

After five years of no post on his blog, I was surprised to see an email notification of an update this morning. Livingafi was one of my favorite FI bloggers and the update is worth reading.

https://livingafi.com/2021/03/17/the-20 ... nt-update/.

2020 Update Age: 33 Savings Rate: 52% NW: $662,000 (Increase from $500K on 1/1/20) Portfolio Breakdown (60/30/10) S&P500 - 25% VXUS - 18% VTV - 11% BRK.b - 5% SRG - 2% Gold - 9% Stable Value - 15% Money Market - 15% After many years of waiting on the sideline, I finally had an opportunity to pu...

I'm not sure I can provide any insights or advice for your cousin. I know a couple of guys who went to those Auto mechanic institutes with the same desire to work at Mercedes/Lexus/BMW. They found that its a very competitive niche and ended up at low-end dealerships with little pay. For my situation...

2019 Update Saving Rate: 63% NW: $500,060 Portfolio Breakdown I still have 90% of my assets in fixed income and 10% in gold. I've missed out on most of the gains in the S&P the last couple of years but I have no regrets. I'm in no hurry to FIRE and believe I will have a better opportunity in th...

Yes, Im also curious. How has your time been? Is it what you expected? Likes/dislikes? Are you dating locals? Climate and air quality? Is this a place you could see yourself living long term if visas weren't an issue? Sorry for so many questions. I have plans on visiting in a few years as Thailand i...

You shouldn't be in the process of lowering your expenses. You should be in the process of finding out what your life is about, and designing accordingly. In other words: Say no to EVERYTHING! Absolutely everything, even ERE, and start adding back on the vital parts of your existence. In time you'l...

Looks like TD Ameritrade offers CFRA reports. I can't tell if I would be able to pull reports for any stock or if they just offer general industry outlook reports. I believe we are talking about the same reports. Purchasing these reports directly from their website is not wise.

Congrats C40!

I'm looking forward to your Asia reports. Chaing Mai is a potential FIRE location for myself.

DIY fundamental analysis plays no role in the way I invest. I leave that to others ... I just read the CFRA reports instead. Analyzing that one company was helpful in understanding where a given number in the analyst report comes from (e.g. what is a quick ratio) or whether 1.2 is "a lot"...

Are you getting any yield on the cash? If not consider Money market accounts as they are paying 2% or more right now. I use vanguard's money market to store all cash.

I know if I get into a horribly social situation, like say a baby shower or a restaurant group setting with more than 2 other persons, my brain will start shutting down "external sensors" trying to protect itself from the sensory overload. The side effect of this is that I become irritate...

As an INTJ homebody, I allocate about one day per month for family and meet up with my friends once every couple of months as they are busy starting and raising their families. I have a family that loves and supports me and 6 true friends. The time spent with 5 of my friends is typically a golf outi...

https://www.bloomberg.com/news/features ... ire-hermit

A true ERE type saved for years but never set up his will.

2018 Update Saving Rate: 56% NW: $424,000 SWR: 5.6% Portfolio Breakdown 90% of my assets are in fixed income averaging 2-3%. I've been waiting patiently to get this money into equities and believe an opportunity will finally come in the next 12 or so months. This past year my investing philosophy h...

@CL
It's something that I considered but I will feel better with a safe or safety deposit box. I don't feel comfortable with 10% of NW hiding in plain sight.

Agree with all of MI post above. Does anyone have a recommendation for a high-quality home safe? I'm looking for a small but heavy safe to store gold. Id prefer one to weigh 250-300 pounds which would stop most people from walking out the door with it and fire proof. I considered a safe deposit box ...

Im looking to purchase a couple of 10oz bars. I looked into goldmoney.com and found customer reviews concerning. In regards to shipping cost, it seems like most sites are free although I'm not sure about insurance. Anyone used JM Bullion?