Posted: Wed Oct 17, 2012 3:27 pm
I have been lurking here on and off for a couple years now, having run across Jacob's blog while it was still active and finding comfort and inspiration in it and several others of a similar theme (e.g., MMM). I bought the ERE book a year or so ago and it sits proudly beside several other works I value like YMOYL, several of Bernstein's works, Charles Long. I am an ex-pat (from Canada) living in the U.S. for about 11 years now and working at a couple large universities since arriving. I spent a lot of time in post-secondary education, then a few years in a health-related practice before returning for a PhD and a post-doctoral fellowship in my current discipline.
I will start a journal at some point in near future. I am in somewhat of a different situation than many I have read about here in that my spouse and I are 'FI on paper' but 'practically not' due to some residual desire to make something of all that schooling in the form of decent scholarly output. By the time the administrators succeed in completely tying up my time filling out forms and endlessly retraining on compliance issues I will likely be ready for (non-extreme) early retirement (50~ish).
I am particularly drawn to discussions that relate to the 401(k), 403(b), and 457 accounts, Roths, IRAs, calculations on savings rates (I still am drawn to using the pre-tax income as base since it suggests that one can try to exert at least some 'control' over how much disappears between then and 'net income'), and workarounds on the 59.5 age rule.
I am likely also one of the few who has self-directed retirement funds in two countries (Canada (RSP) and U.S. (as above)), no 'traditional pension' in either place, and an interest in seeeing how one balances the 'drawn-down' and tax issues to optimize these (there are treaties in place).
Looking forward...
I will start a journal at some point in near future. I am in somewhat of a different situation than many I have read about here in that my spouse and I are 'FI on paper' but 'practically not' due to some residual desire to make something of all that schooling in the form of decent scholarly output. By the time the administrators succeed in completely tying up my time filling out forms and endlessly retraining on compliance issues I will likely be ready for (non-extreme) early retirement (50~ish).
I am particularly drawn to discussions that relate to the 401(k), 403(b), and 457 accounts, Roths, IRAs, calculations on savings rates (I still am drawn to using the pre-tax income as base since it suggests that one can try to exert at least some 'control' over how much disappears between then and 'net income'), and workarounds on the 59.5 age rule.
I am likely also one of the few who has self-directed retirement funds in two countries (Canada (RSP) and U.S. (as above)), no 'traditional pension' in either place, and an interest in seeeing how one balances the 'drawn-down' and tax issues to optimize these (there are treaties in place).
Looking forward...