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  1. Y

    Retirement Targets

    I believe that is the way mine is as well. You have to reach a certain liquid dollar level before you can move into a related account to invest in a limited number of funds.
  2. Y

    Retirement Targets

    Yep. I have a $2k auto transfer rule set up. If I build up to $2k amount in cash, excess funds start auto transferring into stock index funds.
  3. Y

    Retirement Targets

    I keep $1k to $2k in liquid stable and balance in index funds. It takes a day or two to cash out some in a fund if cash needed to pay a bill. So far (knock on wood), 99% of our medical stuff has been stuff we scheduled ahead and no real unknown emergencies. Have been in a HDHP with HSA for...
  4. Y

    Retirement Targets

    The first year in it is the most unnerving. Once you get funds built up in the HSA that would cover a really bad health year (and then multiple years) the comfort level grows with it.
  5. Y

    Retirement Targets

    50 to 65 hours sucks.
  6. Y

    Retirement Targets

    I look at about 3 times during the day and I need to stop it in paying that close attention to it. I watch the morning stuff on CNBC just to get the vibe for the day starting out. So informative in the mornings.
  7. Y

    Retirement Targets

    Oracle had a damn good bump yesterday. The old lion roared.
  8. Y

    Retirement Targets

    I am in same boat. Will be buying health coverage for family when time comes to exit (within 5 years or so). I'm not going by the 70% of current income rule or 80% as some might say. I want an income at or above what I currently have and I am not counting on SS even though it will likely pay...
  9. Y

    Retirement Targets

    Just gotta find a second wife who got a similar half from prior marriage.
  10. Y

    Retirement Targets

    Sometimes my wife still brings up the, XYZ people (neighbors or friends or random online) sure take a lot of vacations and have new cars and giant houses and an RV and a boat, etc etc etc. I bring up the hard stats then about average net worth by age groups and what % have what and average debt...
  11. Y

    Retirement Targets

    When you are 34 time is still seemingly endless. Did she fall in line with your thinking when you came along or has there been a number of battles over save vs spend? Was she a YOLO type always prior to you?
  12. Y

    Retirement Targets

    What age you plan on tapping out and jumping off this tread mill? You plan to work doing something else or hobby / volunteer stuff or hanging with family?
  13. Y

    Retirement Targets

    Some plans do allow it even while with the same employer.
  14. Y

    Retirement Targets

    It is obvious we need people. We aren't having enough children. Other countries are experiencing this because they are so restrictive on immigration. China is gonna collapse at some point.
  15. Y

    Retirement Targets

    You lucky bastard. Have a long, healthy and great retirement.
  16. Y

    Retirement Targets

    It is TIME. That is the secret.
  17. Y

    Retirement Targets

    I wish the HSA's were around in my much younger days. Back when rarely saw a doctor and had no issues so high deductibles and OOP max would be no issue. Money would have piled up in there.
  18. Y

    Retirement Targets

    We would have an even more massive labor shortage of the most experienced people. We need the immigration, maybe just in a different way than most of it is happening currently. I do agree if Medicare started at say 60, there would be many in that 60-64 age range and maybe even quite a number...
  19. Y

    Retirement Targets

    The Village Inn comment cracked me the hell up. I know older folks just like that.
  20. Y

    Retirement Targets

    You nailed it. TIME is the key. You can't buy more and it is the biggest lever there is when you are young. Too many think life goes on forever and they are immortal and will save later on. Snap of the fingers and its decades later.
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