Search found 164 matches

by fingeek
Thu Jun 03, 2021 5:16 am
Forum: ERE Journals
Topic: Fingeek's Journal
Replies: 103
Views: 23608

Re: Fingeek's Journal

Update for May: Current net worth (not including home): £480,512 To cover 'fixed expenses' (lean FIRE): Current Withdrawal Rate requirement: 3.7% NW deficit to 4% SWR: £-31,180 Years of savings to 4% SWR: -0.7yr/Oct 2020 To cover 'fixed expenses + optional expenses' (live as today): Current Withdraw...
by fingeek
Sun May 09, 2021 2:48 pm
Forum: ERE Journals
Topic: Bankai's Journal
Replies: 163
Views: 44629

Re: Bankai's Journal

Interesting... Do you also take into consideration the likelihood of downsizing when older and releasing a bit of equity? I've recently added 10% of house equity into net worth with this reasoning
by fingeek
Sat May 01, 2021 11:59 am
Forum: ERE Journals
Topic: Zankas poker-journal
Replies: 185
Views: 30296

Re: Zankas poker-journal

Very cool, congrats!
by fingeek
Fri Apr 30, 2021 10:01 am
Forum: ERE Journals
Topic: Fingeek's Journal
Replies: 103
Views: 23608

Re: Fingeek's Journal

Update for Apr: Current net worth (not including home): £480,272 To cover 'fixed expenses' (lean FIRE): Current Withdrawal Rate requirement: 3.7% NW deficit to 4% SWR: £-31,767 Years of savings to 4% SWR: -0.7yr/Aug 2020 To cover 'fixed expenses + optional expenses' (live as today): Current Withdraw...
by fingeek
Fri Apr 23, 2021 1:06 pm
Forum: Resources & Recommended Reading
Topic: Latticework book
Replies: 4
Views: 915

Re: Latticework book

A lot of the Farnham Street material on mental models can be found at https://fs.blog/mental-models/ - Probably not as in depth as the book of course, but is a good starting point (and worth the long read)
by fingeek
Thu Apr 08, 2021 9:40 am
Forum: ERE Journals
Topic: Semi-ERE Year 3 - Wanderlust Prevails
Replies: 954
Views: 211803

Re: Semi-ERE Year 3 - Wanderlust Prevails

Looks like you have a nice engineered path out of that crappy work situation, engineered/triggered kindly by the new PE company. Hopefully you will be able to get a golden handshake of some sort!
by fingeek
Sun Apr 04, 2021 7:09 am
Forum: ERE Journals
Topic: Bankai's Journal
Replies: 163
Views: 44629

Re: Bankai's Journal

Super high SR, nice work! And I love the graph of "Items covered for life". I've split mine into fixed & fixed+optional but I like the granularity (and therefore more flexibility) of yours! At what point is FIRE for you? Ie how much further into Travel, Stuff, Clothes etc before you pu...
by fingeek
Thu Apr 01, 2021 11:32 am
Forum: ERE Journals
Topic: Fingeek's Journal
Replies: 103
Views: 23608

Re: Fingeek's Journal

Thanks @wolf! At the moment, hobbies/interest are spending time with wife+child, walking a lot, golf, some coding, and trying to do not much if possible!
by fingeek
Thu Apr 01, 2021 5:24 am
Forum: ERE Journals
Topic: Fingeek's Journal
Replies: 103
Views: 23608

Re: Fingeek's Journal

Update for Mar: Current net worth (not including home): £453,675 To cover "fixed expenses" (lean FIRE): Current Withdrawal Rate requirement: 3.9% NW deficit to 4% SWR: £-8,769 Years of savings to 4% SWR: -0.2yr/Feb 2021 To cover "fixed expenses + optional expenses" (live as today...
by fingeek
Mon Mar 01, 2021 6:29 am
Forum: ERE Journals
Topic: Fingeek's Journal
Replies: 103
Views: 23608

Re: Fingeek's Journal

Update for Feb: Current net worth (not including home): £416,194 To cover "fixed expenses" (lean FIRE): Current Withdrawal Rate requirement: 3.9% NW deficit to 4% SWR: £-6,380 Years of savings to 4% SWR: -0.1yr/Feb 2021 To cover "fixed expenses + optional expenses" (live as today...
by fingeek
Sun Feb 07, 2021 10:00 am
Forum: ERE Journals
Topic: wolf's journal
Replies: 271
Views: 61111

Re: wolf's journal

Agree, great to hear your progress!
by fingeek
Fri Feb 05, 2021 1:23 pm
Forum: ERE Journals
Topic: classical_Liberal's Semi-ERE
Replies: 733
Views: 150132

Re: classical_Liberal's Semi-ERE

:(
by fingeek
Sun Jan 31, 2021 3:43 pm
Forum: ERE Journals
Topic: 2020
Replies: 123
Views: 39214

Re: 2020

Great to see you settling in to retirement well! Is it still going well for you?

How is Spanish practice? Have you tried Duolingo app?
by fingeek
Thu Jan 28, 2021 12:55 pm
Forum: ERE Journals
Topic: Fingeek's Journal
Replies: 103
Views: 23608

Re: Fingeek's Journal

Update for Jan: Current net worth (not including home): £381,476 To cover "fixed expenses" (lean FIRE): Current Withdrawal Rate requirement: 4.3% NW deficit to 4% SWR: £24,667 Years of savings to 4% SWR: 0.5yr/Jul 2021 To cover "fixed expenses + optional expenses" (live as today)...
by fingeek
Sun Jan 17, 2021 2:04 pm
Forum: Money Questions
Topic: Bitcoin on the rise
Replies: 482
Views: 103388

Re: Bitcoin on the rise

If you're looking to hold for a while, then it makes sense to transfer out to a wallet. As you say, this protects you from exchanges getting hacked or freezing your accounts. Whether a hot wallet (eg browser/phone app like metamask) or a cold wallet (usb key, or print out the private key onto paper)...
by fingeek
Tue Jan 12, 2021 7:34 am
Forum: ERE Journals
Topic: Semi-ERE Year 3 - Wanderlust Prevails
Replies: 954
Views: 211803

Re: Semi-ERE Year 3 - Wanderlust vs. W-O-R-K

That sounds good - At least you're using "fun money" portion to explore the possibility of daytrading/swingtrading, rather than relying on it. I do think it's possible to succeed with daytrading, though it takes time and discipline to get good at it. Some random bits: - "They say 90% ...
by fingeek
Fri Jan 01, 2021 4:14 pm
Forum: ERE Journals
Topic: JollyScot's Journey Starts
Replies: 167
Views: 40623

Re: JollyScot's Journey Starts

I somehow missed that you were discussing a listed building previously. While it's a convoluted process having to get listed building consent too on various things, it can work in your favour - For example, it's feasible to argue that upgrading the windows would ruin the listed nature, and have the ...
by fingeek
Fri Jan 01, 2021 2:56 pm
Forum: ERE Journals
Topic: classical_Liberal's Semi-ERE
Replies: 733
Views: 150132

Re: classical_Liberal's Semi-ERE

Happy new year too! Has been great to follow your journal to date. 2/ - Agree, and I've been relatively successful at a low information diet, minimal news etc - It's kinda amazing how important(well...) news finds its way to you without actively seeking it out. 3/ Very interested to watch how this e...
by fingeek
Fri Jan 01, 2021 7:42 am
Forum: Miscellaneous
Topic: Happy New Year
Replies: 7
Views: 732

Re: Happy New Year

Happy New Year all!