Recent content by retire48in2018

The ESG is not straight forward. Examples of gyration in “preferences” is companies like Tesla - they’re great, then suddenly they’re terrible. Some believe it was about politics and Musk. I’m ignoring the why, just the no basis for many gyrations. Then, the traditional energy sector is...

I don’t like the move towards sustainability, environmental, etc that blackrock pushed. Especially when it became more about preferred. Distracted from maximum returns. I divested from all blackrock products

many of commented on details. Insurance is for transfer of risk. You’re paying a premium, fees, etc to transfer that risk. Those risks are not always clear along with higher fees. Typically, an informed DIY investor can get better results with less fees. The question is are they actually...

We chose an amount that was close to median cost in our area for what we would have considered a normal size. As a note - for our wedding, way back when, I had to pay for all of it - no one else contributed. My wife-to-be was extraordinarily prudent on stretching those dollars.

We gifted the same $xx k to our son and daughter. If they go over that’s on them, if under - they pocket it. We did not differentiate on son bs daughter. our daughter (and SIL) worked a budget to match the gift +/-. Our son is marrying someone who has always dreamed of weddings and will...

I also use Fidelity Full View. I had lots of issues with Empower and do not recommend them. Historically, I’ve also done spreadsheets, and at one time used yahoo finance app. I would have to update these when activities occur - dividends, distributions, etc. Which is ok, but not automatic...

We looked at options when we bought this home as a backup plan - but our former home sold early, so we were ok on buying the home we are in now. Fidelity has a relationship with a bank that allows borrowing as well. You select which accounts are borrowed against - o only selected taxable...

You don’t have to retire to live your dream. Maybe FI is only what you want with part time. However -at 20x - 24x - that seems light for early retirement. That seems to indicate more than 4% withdrawal rate?

Sounds great for you all!

I’d have some $ going into brokerage account investing in low turnover funds that will generate little annual taxable income. This allows tax diversification when retiring. But as other earlier posters stated - after back door Roths.

You’d have to define conservative and timeline to get best advice. If you mean long term (more than 5 years, like a decade or decades) - then inflation is enemy and a conservative investment considers that - and it would be in 1 or 2 index/ETF funds. A total market and bond fund. The mix...

We spend $225/month grocery/household for 3 of last 4 years. Eating out $500/month. Eating out usually includes paying for some others on some of those meals - usually 4 additional people about 1/3 of those meals We cook from scratch a lot and always look for bargains to buy that week - and...

We retired and moved from IL to TX to be near some family and ultimately chose to live in multi-generational home with our daughter, SIL and their kids It requires a particular type of home, etc. We would like this to have been in TN vs TX, but their job circumstances made it be in TX

Gen X. Or the forgotten ones! Not baby boomers or millennial!

72t is an option. Perhaps, there are other options with assets - such as Roths more than 5 years, but that compromises longer term tax diversification. Delaying retirement and putting emphasis on brokerage savings might be a consideration