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Many times I’ve ran the FireCalc. It’s confusing because I don’t know which method to select like Monte Carlo. Budget and expenses will be higher in retirement. It’s low now because of family subsidy. Last resort is to put mom in an assisted facility. She has no assets so we will need to get...

I don’t want the responsibility of maintaining the home, the cost associated with it, repairs, proprty taxes, etc. financially it made/makes sense to rent right since my rent has never been over $613 with family subsidy? Also, my buying power would be low into index funds. I won’t be able to...

If 401k has $1M so I would sell the shares and buy Bonds/Treasuries/CD’s for $250k? This makes it a 75/25 account?

2008-09 and 2020 happened so in a 30+ year retirement it may happen again then too.

How much should I be in cash in retirement?

I use the compounding calculator and get the same result. Not sure when I will die. I know there are calculators for that too.

That is true but after 55 I can use 72t.

I am also contributing at least $40k year (includes 401k match) so what will I end up with at 10% ROI in 14 years? SS right now shows about $32k at age 70. When should I tap into it? Why does it matter when we die? If I take it at 70 and die at 71 then what? I am not going to regret my decision...

I am unable to multi quote so I will use a tag if that is ok? @N02L84ER Always start with taxable account to withdraw, why? When do I add Bonds in my overall portfolio? @street What age did you retire? @Ronstar I want to spend more in retirement than I am now/past/future. I am not...

That means a 2 or 3 fund portfolio in my 401k?

All my funds are low fees.

What do you think of my selections now? When should I not be 100% stocks?

Do you have any suggestions on the type of funds I am invested in?

@pb4uski Please advice. You are one of the experts here.

Which one is the most accurate?

I don’t care about big drops now. My concern is near and/or in retirement.

So use 10% in my calculations?

Average is 10% right? Or is it 7%?

I can only sell from retirement account if I use the Rule of 55 otherwise penalty. I don’t care about drops now. Started in 2007 and saw 2008-09 and 2020. Family sends money to help out with mother’s cost and it also benefits me and I am taking care of her.

Doesn’t matter. As long as my portfolio is doing great. VTSAX and chill.

Will I Be Able To Retire Before Age 60? Expenses in retirement: $60k minimum to the max 4% SWR. Whatever that maybe? Here is a complete picture of my financial profile so far: **Emergency funds**: **$3.000** earning 5.30% APY at online VIO Bank. Checking account: **$100** daily balance...

825,600 NW is now my all-time high. No RE. Age 46. Quest for $1M before 50 is very much alive.

I am single, no kids. I am not sure what my expenses will be and I am to retire no later than 60. VTSAX. Almost $1M.

Personally I don’t know if $1.5M will be enough for me but I am 46 today.

$824,300 NW. All index funds. No RE. 46 year old single male. No kids. Hoping to reach $1M before 50.