Early Retirement Extreme Forums

<t>Yes. At that price range I'd get a Trek520. Steel frame, braze ons (in case you ever want to transport something bigger than a saddlebag), drop bars (flat handlebars are no good for longer distances), clearance for fenders. It's a classic that hasn't changed for decades. You can get models used w...

Yup!

<r>BTW, there was/is a British couple who's been sailing around the world for a few decades by now. She wrote a book on frugal cruising but her name keeps escaping me <E>:-(</E><br/> Anyway, she made a really good case for junk rigs. We've gotten pretty accustomed to expecting all boats to have sloo...

<r>I got my Westsail32 prices from <URL url="http://www.westsail.com/Westfs.htm">http://www.westsail.com/Westfs.htm</URL><br/> <br/> It's been two years since I last looked, though, and prices have definitely dropped by $15-25,000 for this class since then. This economy does wonders for "luxury item...

@Violet - Try to use a thermometer to keep the temperature of the water at 194F before pouring it in. It'll be even better.

<t>@hickchick - Indeed, conversely, I'm not smart enough to reach the average reader. Or maybe I have too much elitist integrity/snobbery to compromise and start writing at a 3rd grade level just to be widely understood. Also, fortunately, I don't need to be expedient about my writing style.<br/> <b...

@chilly - I just meant that in the sense that most pf bloggers (out of which a great deal are INTJs) still write about standard middle class advice.
So while INTJ almost seems like a necessary (in 75%+ of the cases anyway) condition for ERE, it is not a sufficient condition.

<r>@happyhippo13 - I would say that very little of the book's content is derived from the blog. It's not really fair to compare the two beyond the fact that the subjects are identical and that they were both written by the same person. The treatment is completely different. It's like comparing a sub...

<r>Kids will eventually get their own insurances. <br/> Also I think something that's missed is a couple getting two individual insurance plans instead. It would have been more expensive for me to go in under DW's corporate plan. Yet, I think many default to the corporate offer without considering a...

<t>Early retirement in general draws predominantly from the INTJ and ISTJ types. Also some INTP. I think this comes down to competent money handling skills as much as it comes down to a desire for job-independence. <br/> If you do a general survey of personal finance bloggers, you'll find that many ...

Just to be sure...
Do you like your work? Do you still [really] want to retire? Maybe your dreams have changed over the past couple of decades?

<r>In vernacular astrophysics, we call that "going *BOOM*" <E>;-)</E><br/> My WR is currently 2.17%. I'll be a millionaire in 2023. Obviously this depends a lot on what the market does between now and then. Viscerally, I don't think I'll "feel" the runaway until my income is big enough to match my o...

<t>@irononmaiden - It is usually money making activities. I can accept that even though this results in the funny situation where my activity on this forum is work (because I make $36/month from the four ads you see to the right of here) whereas your activity on this forum is not work. <br/> However...

I never had a budget, but I always knew how much I spent.
(As long as the base level is good, the effect of impulses will go away within a day or two.)

<t>@rachels - A Westsail 32 for $30k? The ones I've seen were closer to twice that---I suspect they command a premium because the "Wet Snail" is the first blue water cruiser people think of. How about an Alberg30, a Pearson Triton, or an Albin Vega? I've done a few day sails on a Yankee30. An ocean ...

<t>0 hours. <br/> I'll use the "I know it when I see it" definition of work. My aim is to not have anyone be able to point at something I'm doing and call it "work". <br/> Admittedly, I'll probably have a hard time reaching that goal. About the only thing I have yet to see ERE-antagonists not define...

<r>A socialist accumulating capital, eh? <E>;-)</E><br/> Forcing yourself to spend money just for the sake of meeting a spending target seems a bit haphazard. (Actually, a lot of government budgets work like that.) I submit that the ultimate goal is to spend deliberately, that is, maximize utility o...

"Most of us just get the plebian golden handcuffs: health insurance."
Dang! I'm totally gonna use that

<t>I think some of us see ERE as the first step and what you outline as a possible second step. Money is still seen as power/security. But I think a lot of this view is predicated on one's background. If I had a lot of diverse skills, which almost guaranteed short term money making gigs, I would lik...

<t>My ultimate goal is to need as little as $50,000 for an annual expense of $1500. This would essentially cover only health insurance and real estate taxes. The default would be to have these monies in stock for a 3%SWR, but maybe I'll ultimately aim for a 0%SWR. <br/> Right now I'm working on bein...