Financial Independence One Year After FIRE |
- One Year After FIRE
- Having achieved FI, how can I make the most of my time for life, leisure, and career goals?
- Daily FI discussion thread - July 06, 2018
- Savings Rate: Income vs Spending
- Working toward FIRE but I had a very bad childhood
- Weekly FI Frugal Friday thread - July 06, 2018
- Should I move from my tax free country to a taxable country that I want to live in?
- How has divorce impacted your FIRE journey?
- I need to lock down the "math" of Roth vs. non-Roth for my case.
- Where to draw the line in savings?
- Reasons not to buy an index fund: career and residence risk
- Marc Hardekopf, FIRE'd at 37 -- CBS News and LinkedIn
- Choosing Hobbies That Make You Money
- Fire with one modest income and children.
- Should I Purchase a Rental House?
- Investment evaluation please
- How do I fall into the right circles?
- Successful FIRE in High COL Area?
- How do you guys push through 40+ hr work weeks?
| Posted: 06 Jul 2018 11:39 AM PDT I retired a year ago after becoming financially independent. The retirement was due mostly to inheritance from my father, but also from my own frugality and saving over 50% of my salary. I'm not quite lean FIRE, but I'm not living large either. Financially things have been fine. Last year the market was very nice, and my retirement accounts are up 6.2% despite having paid all of my bills for the entire year. I have a 70/30 stock/bond ratio with a variety of index funds (including broad indexes and international indexes) and a variety of bond funds. 5% out of the 70% is invested in a precious metals fund. There's also a generous emergency fund and 2 year CD chain. That's my main retirement account. My IRA and 401K are not alligned with that, but I'm putting off rebalancing those until next year. I rebalance the main account every three months. I started out with a 3% withdrawl rate last year. But in a year of dealing with my own issues, I have become rather disturbed with the amount of self-hate I have. I began to see that my frugality is partly a way to punish myself, and I wanted to try to be nice to myself. With my 2018 budget I bumped it up to a 3.5% withdrawl rate. I find I have trouble spending the money. My frugality is also partly a realization that things will not make me happy (except maybe my motorcycle). But I am saving the "fun" money that I don't spend, and few times I've gone over budget on fun and had to pull from the savings. And maybe I'll travel more than I expected. When I shifted up from 3% to 3.5% the question came to mind, "When am I going to shift down?" Now, the 3% and 3.5% are based on my initial balance at the start of retirement. If you look at my withdrawls compared to my current balance, the rate is 3.29%. The plan I came up with is that if my withdrawl rate based on my current balance ever gets up to 4%, I will adjust my budget based on my evaluation of my situation at that time. Maybe it's something that looks to be short term, and I can just soldier on through. Or maybe it's something that looks like a long term recession, and I will scale back my spending. There was a thought experiment on r/preppers about what you would do if you lost your job for six months. I wasn't worried because I have a six month emergency fund, but it made me think about how I could cut my budget. I think worst case I could get it down to 1.5%. It wouldn't be fun, but I could do it. I had one big expense that was not planned for. The water heaters in my condo building have reached the end of their expected working life, and several have failed. Not wanting to pay for flooding my downstairs neighbor's unit, I replaced the water heater for $3,600. Previous repairs had only been a couple hundred a year, so I hadn't planned on this. Some of it came out of my emergency fund (which I paid back in a month of diverting other savings), and some of it came from my "insurance" savings. I figure that extended warranties are a scam if you can afford the repair or replacement. But I always ask how much they are. Then I put that much into a savings account, along with a small monthly amount equivalent to renter's insurance. It looks like I may have another one coming. I know an estate lawyer, and said he'd help me put together a will. But he's been dragging his feet about it all year, so I think I'm just going to pay someone to do it. I don't know what that will run, but I may just sell some extra stock to pay for it rather than fudging budget categories. I think I'm still trying to figure out retirement. I have a tendency to push myself to be productive, but I push myself too hard and stress myself out. Nothing that I expect is unique, but there it is. So I'm not one of these people who has no idea what to do with themselves in retirement. I'm one of those people who has too many ideas about what to do with themselves in retirement. I'm trying to find a balance between working on the projects I am interested in and just taking it easy. That balance is elusive. The projects I am working on include a large programming project that I've been fiddling with on and off for years. I've managed about 11,600 lines of code in the past year on that. When I first posted that I had FIREd, I mention an interest in charity work. Soon after that I went to a Quaker gathering that had a panel discussion on the school to prison pipeline. I did some more reading and became totally dumbfounded at how messed up and racist our criminal justice system is in the U.S. I am now volunteering with a charitable organization lobbying for criminal justice reform at the state level (the federal level is dead due to the insane power a few people have in our so-called democracy). I am also working more on my Zen practice. I finally found a local teacher in my tradition, and I am at the Zendo at least twice a week, some of it working towards a Jukai ceremony at the end of the year. Finally, I am working on exercising more. After having to watch my father's decline in his old age I am trying to be healthier so I can enjoy my retirement long term. In terms of chilling out, I was sick for a month. I had a massive allergy attack, followed by a screw up with my long term medication, followed by another massive allergy attack. During the second attack there were four days where I got no more than an hour of sleep at a time because I was coughing so bad. It certainly was not fun being sick, but it was really nice to just be able to take a month and deal with it, and not worry about my job or much of anything else. I just did the bare minimum I needed to do, and if I had any energy left over I did want I wanted to do, and spent the rest of the time trying to take it easy so I could heal. The biggest thing I've noticed in retirement was my suicidal tendencies. I have had long term depression since I was a little kid and tried to kill myself at age 10. When I was working at my old job, I was having suicidal ideation every week or two, and serious planning every three months or so. At one point I was eating so little I collapsed after walking up a couple flights of stairs. Due to my history with depression (I actually passed out from not eating once in high school, too) I just convinced myself it was normal for me. A month after I quit my job I was like, "OMG, I haven't thought of killing myself once since I left work!" My depression is still there, but it's been like crawling out of a sewer pipe into a cool rain on a warm summer's day. And not being distracted by work has given me more time to be with my depression, to understand it better, and to deal with it more effectively. So here I am and there I go, and I look forward to finding out where I will turn up next. [link] [comments]  |
| Having achieved FI, how can I make the most of my time for life, leisure, and career goals? Posted: 06 Jul 2018 08:01 AM PDT In the past two years my wife and I have done extremely well. I own a business and with her salary (well over $250k) we are making combined over 7 figures a year, after taxes. We have paid off all of our debts (own our house, cars, school loans, etc..). I've bought a few toys (a motor boat and a car) to enjoy. I am considering selling my business in the next 2 - 3 years which would probably bring in a value of > $20m. Even if the market goes south we're pretty well insulated. I have career goals after this (another startup or two I'd like to take a shot at) but find myself in a very different situation than when I started my first company. Life happened, marriage, kids, etc... it is clear to me that I should be using my wealth to reinvest in myself and buy the time I need to achieve my larger goals. However, I've always been a very hands on, do-it-myself guys. Our social life has tanked over the past few years because my wife and I both "want it all". We want to be great parents but we also want to excel in our careers. When you start to throw in stuff like chores and even the simple things like trying to plan a weekend or having to wait on hold with the gas company for 20 minutes the time adds up very quickly. This is where stress and fights start for us. I feel strongly that we need "help" in the sense of someone or someones to take a lot of this time consuming stuff off our hands. However, I have no idea who to contact or even what the job title/description is. I looked on Care.com for PAs but I don't get the sense that they have what we're looking for. In any event, I am looking for advice on how we can maximize our time. What we should be considering to spend our money on to do this. Who we should work with to do this. Edit: using a throw away account because I don't really need or want anyone in my personal life knowing how much we make [link] [comments]  |
| Daily FI discussion thread - July 06, 2018 Posted: 06 Jul 2018 04:09 AM PDT Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. [link] [comments]  |
| Savings Rate: Income vs Spending Posted: 06 Jul 2018 08:52 AM PDT It's common knowledge in this group that using "Income" (gross or otherwise) as the driver for what you need to save for retirement is a silly thing since it doesn't take into account your personal spending habits. However, we DO in fact use income when calculating savings rate. Why is that? It seems to me it might be even more valuable to talk about savings rate as a percentage of yearly spending, vs a percentage of yearly income. I get that there should be a correlation between those numbers, especially if you are able to get your tax bill low enough. However, there are factors that could make those numbers different. A normal 50% savings rate assuming no other variables, would be the same as a 100% rate if you based it off of spending. (if you spend 50% of your income and save 50%, that's a 1:1 ratio or 100% spending savings rate). However, if you pay any amount of taxes, your SPENDING is no longer 50% of your income, even if your savings is. So a 50% normal savings rate could actually be 110% (rough estimate) if you calculate the rate from spending amount. For benchmark purposes, I can see why in my scenario, getting to (for example) 100% savings rate could be a great goal. That's the point in which you saved the same amount you spent in a year. A traditional 50% savings rate, while also great, doesn't necessarily say the same thing. I think it's interesting to see the ratio in terms of what you actually spend, not earn. I know this is kind of nit picking on semantics, and the real important thing is the actual act of savings, not which ratio you use, but this way of thinking of it just seems to align better with the goals of this group in general. [link] [comments]  |
| Working toward FIRE but I had a very bad childhood Posted: 05 Jul 2018 09:43 PM PDT I am in my late 30's zero debt plus over $900K in investments. I have been working toward this goal since I was 7. I was forced into child labor by my mother to sell rice on the street. There was no play date, zero weekend, no toys, just work and work. I never had a childhood. My parent are poor immigrants who were neither financially nor mentally capable of raising 4 children. There were constant arguments in the house and it was always about money. My parents are your typical Chinese old school mentality that prefers boys over girls. My sister and I were treated like slaves. Both my sister and I took physical and emotional abuse from my mother and older brother. The boys were considered to be kings. Things got better for my younger sister when she left home to leave with my aunt in another state when she was only 8. However, I stayed behind. I took more abuse because now I was the only girl. Constant bullied and humiliations from both my mother and brother. I started working at a factory at age 14, a 15 plus hours shift. I never kept what I earned. Instead my mother had a sense of entitlement and took over 95% of my earnings. She did this to me but never to her other children. I went to college on my own while working part-time yet my mother only called to ask for money. When I graduated from college and received an offer to work for a fortune 500 company, I was an idiot to tell her because the first words out for her mouth was "Now that you have job make sure you give me all your money". I tolerated this type of behaviors for over 30+ years because I didn't know better. I finally changed when I got married. I finally saw what my friends were telling me all these years that I grew up in toxic environment and that I never had parents. I cut them off immediately. The only time that I get together is during holidays and for the kids only because I do want my daughter, niece, and nephews to have a relationship. If it wasn't for the children, I will have zero interaction with my parents and older brother. My husband tells me that I should be happy for my accomplishment. The truth is I get lots of flashback from my childhood. I am down and angry thinking about all the bad things that happened to me at least once per month. As result, I have a very hard time concentrating. I just wish I was happy. If anyone is in similar situation please get out ASAP, cultural differences is BS, you deserved respect and no one has the right to mistreated you. Love yourself! [link] [comments]  |
| Weekly FI Frugal Friday thread - July 06, 2018 Posted: 06 Jul 2018 04:09 AM PDT Please use this thread to discuss how amazingly cheap you are. How do you keep your costs low? How do become frugal without taking it to the extremes of frupidity? What costs have you realized could be cut from your life without pain? Use this weekly post to discuss Frugality in general. While the Rules for posting questions on the basics of personal finance/investing topics are more relaxed here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. [link] [comments]  |
| Should I move from my tax free country to a taxable country that I want to live in? Posted: 06 Jul 2018 02:04 AM PDT Would like to start by thanking the community here. Very well done and great place to kick start the FI. I hope this does not come off as a egoistic or bragging as is the reason of this subreddit is FI. Here is my little story. I am a citizen of a little country called "Kuwait". A country that is rich in oil resources and FI. Benefits (I can keep forever. Citizenship is by inheritance from parents not residence/birth place):
Downsides:
Now I'm thinking to move to another country because that's the whole reason of FI is I can live where I want to live. As a freelance remote working software engineer I just started making good income of $100k to $150k+ a year not including the gov support. Duo to the reasons of spending a lot of my money into entrepreneur, education, hiring, meeting other business individuals and traveling. I almost have not much saving to live where I want to live. But I'm a 10 times better person now and can compete really good in international markets thus my new income which I'm hoping make up for it in the next years. I saved a little bit of my money into stocks. and some investments in crypto. Looking to invest more in stocks. My goal is to be financial independent by the age at least 35 (That to say I can retire) Downsides is I'm looking to move to west coast Canada (Vancouver) and here are the upsides and downsides Benefits
Downside
There's then option 3 Keep traveling as a tourist from one place to another (But I'm getting tired now traveling for 2 years) Benefits
Love to hear your opinions on the matter Edit: thank you everybody for the support! Realtor friend updated me and told me to wait for a while before buying a property until I get a PR. The Vancouver real estate market seems to be cooling down. I'll also plan to look out for US immigration but it's difficult. For example Canada allows me to visit as much as I want as long as I'm waiting for a PR. Making it easier actually. Edit: Found out about this. Seems that I can stay in Canada as much as I want as long as I'm not competing for jobs with Canadians. Pretty cool and I think I'm going to go there soon again. When I get my residency sorted out I can compete for jobs in Canada but I'm not planning to do that anyway. and this http://www.cic.gc.ca/english/helpcentre/answer.asp?qnum=517&top=15 [link] [comments]  |
| How has divorce impacted your FIRE journey? Posted: 06 Jul 2018 10:22 AM PDT Going through some issues myself right now and just wanted to hear how others have coped / managed in this kind of situation. [link] [comments]  |
| I need to lock down the "math" of Roth vs. non-Roth for my case. Posted: 06 Jul 2018 02:35 PM PDT tl;dr: 47yr FIRE-aiming couple, hopefully a few years out from FIRE, most money actually in brokerage account and not retirement account, now paying in seriously to retirement accounts and wondering about whether to go Roth or "non-Roth". My wife and I are hoping to FIRE in "a few years" (early 50s?) depending on how things go. Most of our money is actually in a brokerage account--not retirement accounts--though we are now aggressively paying into our job-based retirement plans and our personal tIRAs. We have been contributing to only non-Roth retirement plans so far. Those are: traditional IRAs, 401ks, 403bs, and governmental 457bs. All "non-Roth". My thinking regarding staying "non-Roth" (aside from later conversions, see below) is based on some initial research, partly here on Reddit, that amounted to:
However, I'm still not sure this is the right thinking or "math" in our case. I'm confused about two issues in particular:
Also, does the fact that the vast majority of our money is already in a brokerage account and not in retirement accounts change the math here? Is there anything else (like a home buy at some point, or moving abroad) that would factor into the Roth vs. Non-Roth decision? Thanks. I'd love to be more confident that our Roth vs. Non-Roth decisions are well thought out. [link] [comments]  |
| Where to draw the line in savings? Posted: 06 Jul 2018 01:15 PM PDT So I'm currently working in the Bay Area and I am making 150k per year (tech job) in my mid-20s. I decided to rent a nice studio for 2550 not including utilities, super nice place, basically love coming back to it after work. Even with this high rent I'm still putting away 60k/yr in savings if you include my 18k 401k, otherwise it's just over 40k/yr. However, I know I could save another 12k per year in post-tax money by renting a less-nice place. Even further, I could save probably 18k by finding a roommate in a less nice place. And so it continues.. I'm really not sure what the answer is. I am saving a lot (60% of my post-tax, pre-401k amount) but I feel like I could be saving more and I feel somewhat guilty for spending so much. But in that case, where does it end? After a certain point of saving (e.g. >50%) do you just allow yourself to spend on whatever you want to reward yourself? Clearly there is a limit or else I could just live in a van and eat beans and lentils all day long and that would be the maximum savings. Where do you draw the line? [link] [comments]  |
| Reasons not to buy an index fund: career and residence risk Posted: 06 Jul 2018 11:45 AM PDT To start out, I'm a believer in the weak (investor's) EMH. I believe that the market is more efficient than I am, and the default option should always be an index fund. I don't think you can beat the market. There are in my view only three ways to make higher returns than someone:
The risk is what I'm interested in today, specifically career/residence risk. Let's say you work in oil and gas. Even if you own no investments whatsoever, your personal finances will be strongly correlated with the O&G industry. Thus, you're overexposed to it. As a hedge, I would suggest overweighting a complementary industry by buying a transportation ETF in your portfolio. To be clear, as an EMH believer, I think that such a portfolio will underperform a pure index in the long run. However, when O&G goes down and your salary and bonus go down, your portfolio will go up, and conversely when O&G goes up, your portfolio will not rise as much or perhaps fall. You've mitigated significant volatility, at the cost of slightly lower returns. The greater your salary is relative to your savings, the more you should counterweight with a low-load complementary index. If you work for an aircraft manufacturer, you might want to buy an energy ETF for the same reason. If you rent, buy a REIT. Next: I live in the United States, I love the United States, I work in the United States and I intend to retire in the United States. I even own a house in the United States. That also means I'm overexposed to the US, financially speaking. Thus I (slightly) underweight US equity in my portfolio, and overweight ex-US index funds. As a FI/RE guy, my income to asset ratio is much lower than the average investor. I'm willing to accept slightly sub-market return, in return for sub-market volatility. As Warren Buffet says, return of capital is more important than return on capital. How do the rest of you mitigate risk due to lifestyle-induced overexposure to market segments? Is it worth the cost to you? [link] [comments]  |
| Marc Hardekopf, FIRE'd at 37 -- CBS News and LinkedIn Posted: 06 Jul 2018 10:02 AM PDT I came across this story today and thought this community would appreciate it. From Hardekopf's LinkedIn page: I am a retired attorney from Orlando, Florida. After a 13-year legal career, living very frugally, wisely investing my money, tracking every penny I've ever spent since March 2001, reading several hundreds of books on investing and personal finance, and moving to the very affordable State of Florida, I was able to retire at an early age. With low monthly expenses and disciplined spending, my wife (also an attorney) and I are able to live off our investments. I keep track of my investments by analyzing macroeconomic trends in economies all over the world and adjust my portfolio of investments accordingly. I focus on investment opportunities that have recently performed poorly with historically low P/E ratios and are due to generate above-average returns over the long term. Basically, while always maintaining a core group of holdings (S&P 500, small cap, mid cap, international, REITs, bonds, etc.) I sell off some of my investments that have performed very well over the last 1-5 years and then use those profits to buy mutual funds and stocks (through mostly low-cost index funds and ETFs) that have performed very poorly. All dividends and capital gains are reinvested amongst my worst performing investments. I do not day trade and consider myself a mostly buy-and-hold investor. I also believe in having an extremely diversified portfolio (currently 51 different investments with 44% of assets invested outside the US). I am very patient and can wait long periods of time for my investments to pay off. I am also annually converting my 401Ks and Traditional IRAs into Roth IRAs so that eventually all of our retirement assets will be able to be withdrawn tax-free. I enjoy providing free and unbiased investment advice for friends and family and being a full-time stay-at-home father to my two daughters. Here's a news story CBSnews.com did about my current situation: http://www.cbsnews.com/news/how-marc-hardekopf-retired-in-his-thirties-without-winning-the-lottery/ EDIT: See also https://www.bogleheads.org/forum/viewtopic.php?f=2&t=138726&newpost=4006927 [link] [comments]  |
| Choosing Hobbies That Make You Money Posted: 06 Jul 2018 08:24 AM PDT Recently I've realized that I have a good amount of free time that I tend to fill with hobbies such as distance/target shooting, working on my car, woodworking, etc. One of the things that I've seen mentioned occasionally on here are side hustles, and hobbies that make you money, and it seems to me if you can fill your time with hobbies that make you money, that would be the ideal way to further your goals while enjoying your time getting there. For me, I've been considering flipping cars as a start to a side hustle, and I was wondering: What is your cash flow positive hobby? [link] [comments]  |
| Fire with one modest income and children. Posted: 06 Jul 2018 02:07 PM PDT I seem to see most FIRE people either are single, both partners working, and no children. We spend $150 a month eating out, $50 on entertainment and don't really buy toys for the kids. How do people manage to save with children and one income? [link] [comments]  |
| Should I Purchase a Rental House? Posted: 06 Jul 2018 09:57 AM PDT I'm interested in this investment after my fall wedding. Once the bride is kissed (barring TOO many wild, unforeseen cost overages) I should have around $85-90K in my savings account. I'm thinking $55k would go to the down pay ment on a basic suburban rental (3br, 2ba). We live near Dallas, so this is really the low end for decent starter houses around here. It's a pretty competitive rental market, too, so I would likely just be trying to break even month-to-month if I did a 15-year-loan until it is paid off. A 30-year-loan would likely only make $100 or $200 a month. We are in our early 30s and make about $155K a year (gross). We have our own home's mortgage, $2,520 per month. I have around $135K in IRAs/401(k)s. The only other debt is her car payment and credit cards, less than $400 each month. She has no investments and only about $3K in savings, but we're a team, obviously, so I can bail her out if need be from my own savings. This seems like a smart bet because the economy around here is very strong, and I would like to diversify beyond just the stock market, but the margins would be very tight for those 15 years. If anything breaks or the house sits empty for a while, I'm taking pretty good losses in the meantime. Still, I want the mailbox money on the back end, and would like to eventually have several rentals. But I'm no real estate whiz and this would be a first for me, so I'm pretty unsure. Just looking to get some different thoughts and perspectives on what to do with that extra money in my savings account, which really is over and beyond what's needed for an emergency fund. All are welcomed and appreciated. [link] [comments]  |
| Posted: 06 Jul 2018 07:40 AM PDT Long time lurker and I've already started making some progress with savings thanks to you and others like r/frugal, r/simpleliving. I have described below my current financial situation and pose the following questions thereafter. Thanks so much in advance. $67k income before taxes $9k in savings, working on contributing $500-$1k/mo (working on rebudgeting) $2.5k in HSA, $2k minimum balance required, can only invest $500 and not currently contributing $17000 pre-tax 401K ($12k vested) transamerica - employer matches 5% of contribution and also gives another 5% (meaning if I give 5 I get 15) - I currently contribute 10% and increase 2% yearly - current allocations: 15% aggressive bonds, 60% large-cap stocks, 15% small-midcap stocks, 10% intl stocks (2055 retirement bundle) $16k in car debt, 0% interest, $274/mo $22k in student loans, various 4-8% loans subs/unsub, currently all deferred as I am a FT student rent, $695/mo, no plan to buy at the moment 1) Am I "over-investing" in my 401K instead of elsewhere, as my employer only matches 5%? 2) Should I put more into the HSA and invest that way? 3) Is my 401K plan efficient with the goal to retire as early as possible? I don't have a specific age yet but am currently 30. [link] [comments]  |
| How do I fall into the right circles? Posted: 06 Jul 2018 03:00 AM PDT I'm a 22/M from England, I'm about to enter my final year of my law degree, and I'm sick of it. I don't particularly want to work for another person yet, currently, I'm applying for 100s of jobs and getting 100s of rejections. I want to own my own property(ies), have my own business(es), create my own money. I'm surrounded by adults who swear by the current accepted formula of: get good grades, go to uni, slog away for £40k per year, retire, die.. and I don't want it. I need help, I don't know where to begin on my own. The path that I am currently on has been shoved down throat for so long and it's so ingrained in my mind that I can't imagine anything else. I need to meet like-minded people or people who have already made it and who can act as a mentor. How do I fall into these groups? [link] [comments]  |
| Successful FIRE in High COL Area? Posted: 05 Jul 2018 09:04 PM PDT Does anyone have any experience saving for or achieving FIRE with a mid-range income (under $60k/year) in a high-cost-of-living area in the US? (such as southern California, NYC, etc) Is this achievable without having 8 roommates? What are benefits of a high COL area that might counterbalance the expenses? Is it just plain stupid to try this? [link] [comments]  |
| How do you guys push through 40+ hr work weeks? Posted: 05 Jul 2018 11:35 PM PDT I'm still in college and work part time as a valet. The most that I work in a week is 25 hours at most. I know that once I get my first real job I'm going to have to make some adjustments because I'll have to work more. My question is how the hell do you guys work 40,50, or even 60+ hrs a week and still have time to manage relationships, health, sleep, etc??? I'm working 20-25 hours and I have a difficult time managing that stuff. I have mad respect for people who manage this type of grind. [link] [comments]  |
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