Early Retirement Extreme Forums

The past 2 years I've eaten meat once a week and reduced ultra processed food a lot. Even when running 6-8 hours a week I never had a problem with too little protein. I love cooking and putting some restrictions on what ingredients I can use makes it enjoyable and more creative. I don't feel like I'...

I had my theoretical journey planned out as a single man then fell in love so I reverted from ERE dreams to just living frugally and passing 4% WR

If making a career it's important to do it for the riight reasons. In Ireland a lot of people have the attitude that the country is shit and living abroad is glamorous. They leave the country with a grass is greener mindset, and many use it as bragging rights. I believe that the glamour wears off qu...

In terms of mindless browsing, I remind myself "Engagement not entertainment". Browsing is a form of entertainment when what I really want is engagement. If I am mindlessly clicking through news articles looking for *something* intetesting, I pause and think what would really engage me, li...

To adjust world PPP to u.s. PPP, multiply by around 1.4, so lifestyle adjusted top 10% globally is closer to median U.S. income spending of around $70/day per earner-household. I read a study before that people who see themselves as earning more than those in their circle of friends are satisfied w...

My idea of coasting to FI would be to move overseas for 5-10 years or however many years it would take for my assets to compound to a million or two and then move back to the US. Party it up on a dirt cheap budget with a 1% withdrawal rate and let your assets compound and then come back to a normal...

I had a similar idea. Work until accumulating 75% FI , then live in a developing country for 1/3 cost of living until reaching FI.

Developing countries are more enjoyable when you are young. Not so much when you need better medical care or have limited mobility

Did anyone else focus on buying less stuff to be more environmentally friendly? Recently I found that buying stuff makes up a third of my carbon footprint. That's according to the calculator www.wren.co Stuff includes clothes, electronics, furniture, gifts and cleaning products. Clearly not buying s...

One alternative is to cultivate some interests that don't require being physically fit. Reading and meditation are options. Even someone with locked-in syndrome can practice meditation

I'm absolutely loving reading this topic. There are so many cool links to others going on adventures, some still going 8 years later. I'm delighted to see it.

Our society tells us that achievement is what makes us valuable, and this pressures us to track our progress and strive for more. What if, for a moment, we drop that idea that achievement is valuable, then what is the basis for quantifying? We're free to see value in just doing things, without being...

My experience has been that endless e-surfing is a very effective way to avoid thinking about unpleasant things. What is most unpleasant for me are problems that I don’t know how to solve. The screen time is a symptom of the larger avoidance. When it becomes more important to solve the problem than...

I love this thread. People are questioning something which most of the population takes for granted... that you need to have a washing machine. And it's resulted in loads of ideas. To me this kind of questioning mindset is what ERE is all about. I'm still using a machine but I never add detergent, p...

That makes a lot of sense Trfie. I'm really shocked that bonds outperformed stocks over such a long period. How were they measuring performance? Was it rick adjusted growth?

I have not reached the same conclusion. There are several reasons for this. First, there's no way I intend to work for another 40 years. If I have things my way, and everything goes 'according to plan', I'll work for another 10, tops. I'll continue to work part time my current role because I like m...

Can you share what you mean by "plugging numbers into portfolio charts"? Like what life scenarios were you consider? I believe if you're withdrawing 4% of your portfolio then it helps out to split your investment between stocks and bonds. However, if you earn a salary and intend to add to ...

1/1/2011 - 120% 1/1/2012 - 80.0% 1/1/2013 - 58.5% 1/1/2014 - 36.7% 1/1/2015 - 20.7% 1/1/2016 - 14.4% 1/1/2017 - 8.8% 1/1/2018 - 6.4% 1/1/2019 - 4.2% 1/1/2020 - 3.2% 1/1/2021 - 1.3% Well that was fun, time to increase spending and go in reverse. 2/1/2021 - 1.4% @CS, that's a good point. For 2021 I'l...

Good point, the lower tax rate for dividends is 20%.
Previously I overlooked it because I thought I had to buy diversified index funds but if I'm going to buy and hold dozens of companies it could be worth making a dividend oriented portfolio

Also consider whether to rebalance at all with anything but new money SP 500 and most indexes use cap weighting where they have a certain amount of each relative to their value. As the price of the stock goes up, the number of shares stays the same but its relative percent increases. This allows th...

Update: I was able to successfully replicate the S&P with stock in 120 companies. After 6 months of testing I'm confident that I'm tracking the S&P well enough. A bit of detail: With the high tax rates on ETFs in Ireland, I can essentially under-perform by 1.5 percentage points and still be ...