Race from $2M to $4M...and Beyond!

[Exflyboy]

Made over 22k just today.  WTF!  Who the hell is this?  Is this me?   I was raised in a gotdammed strawberry patch.  It's working.  It's beautiful.  Gotta get the boat in the water.

I know its nuts! I made similar.. I keep thinking this is all a dream and it has t all come crashing down.

[tooqk4u22]

Made over 22k just today.  WTF!  Who the hell is this?  Is this me?   I was raised in a gotdammed strawberry patch.  It's working.  It's beautiful.  Gotta get the boat in the water.

I know its nuts! I made similar.. I keep thinking this is all a dream and it has t all come crashing down.

The increases have been surreal, no other way to put it.  And I have fairly conservative AA.   The weird feelings I have sometimes is that I think I would prefer to have less but with more stable normal kind of growth as for now I can't help but think the increases for the last few years will vanish.   Easy come, easy go kind of thinking.

I feel like I could re-quote myself every few months. 

[G-dog]

Made over 22k just today.  WTF!  Who the hell is this?  Is this me?   I was raised in a gotdammed strawberry patch.  It's working.  It's beautiful.  Gotta get the boat in the water.

I know its nuts! I made similar.. I keep thinking this is all a dream and it has t all come crashing down.

Shhhhhh. I don’t want to wake up.

[Roboturner]

Spoiler: show

Q2 2016:
LNW: 528k
TNW: 720k

Q3 2016:
LNW: 652k
TNW: 845k

YE 2016:
LNW: 685k
TNW: 893k

Q1 2017:
LNW: 800k
TNW: 1001k

Q2 2017:
LNW: 845k
TNW: 1060k

Q3 2017:
LNW: 921k
TNW: 1142k

YE 2017:
LNW: 1,012k
TNW: 1,230k

Q1 2018:
LNW: 1.09 MM
TNW: 1.33 MM

Q2 2018:
LNW: 1.16 MM
TNW: 1.45 MM

Q3 2018:
LNW: 1.28 MM
TNW: 1.57 MM

YE 2018:
LNW: 1.14 MM
TNW: 1.43 MM

Q1 2019:
LNW: 1.41 MM
TNW: 1.71 MM

Q2 2019:
LNW: 1.60 MM
TNW: 1.78 MM

Q3 2019:
LNW: 1.64 MM
TNW: 1.82 MM

YE 2019:
LNW: 1.84 MM
TNW: 2.02 MM

Q1 2020:
LNW: 1.60 MM
TNW: 1.79 MM

Q2 2020:
LNW: 1.94 MM
TNW: 2.15 MM

Q3 2020:
LNW: 2.12 MM
TNW: 2.46 MM

YE 2020:
LNW: 2.40 MM
TNW: 2.74 MM

Q1 2021:
LNW: 2.69 MM
TNW: 3.00 MM

Another stellar Q. We are closing on our 'forever' home soon- so about to get a big change in LNW/TNW splits, but excited nonetheless!

[ted1858]

Hello there, I am glad to be entering this group. So many folks with great progress in here. $4mm seems so far away!

History:
1/2015: 0.42 MM
1/2016: 0.56 MM
1/2017: 0.84 MM
1/2018: 0.95 MM
1/2019: 1.10 MM
1/2020: 1.47 MM
1/2021: 1.85 MM
4/2021: 2.00 MM

[SwordGuy]

Hello there, I am glad to be entering this group. So many folks with great progress in here. $4mm seems so far away!

...
4/2021: 2.00 MM

At US historical average stock market returns, $2M will double to 4 in 7 to 10 years, depending on whether you want to discuss nominal or current dollar value.    And that's if you don't add to it along the way.

[LightTripper]

Welcome!  That's a very nice smooth looking progression!

[soccerluvof4]

Got my second shot last night (PFE) so at least that is behind me. Anyone do anything different with there percentage of Bonds in there Portfolio or invest in something else. Alot of discussion and with good reasons in other areas I follow about the Bond market not being good for along time going forward. I have currently went from 60/40 to 65/35/10 (cash or cash type investments). What say you on the topic. Mind you I am Fire'd and 56

[kivex]

Looks like we've joined this club!

Actually caring about our finances started in January 2017 where we started down the MMM path and began the 10 year goal to be FIRE'd. I can't believe how quickly the snowball grows when being financially intentional.

We don't own property due to living in a HCOL area (Sydney, Australia), so our TNW is our LNW. These numbers include superannuation (retirement accounts) with the split approximately one-third in super, two-thirds outside of super.

We have no debt and are 99% invested with the other 1% cash for emergency fund / living expenses etc.

1/2017: $1.54M
1/2018: $1.78M
1/2019: $1.92M
1/2020: $2.58M
1/2021: $2.88M

And currently -

4/2021: $3.16M

[tooqk4u22]

Got my second shot last night (PFE) so at least that is behind me. Anyone do anything different with there percentage of Bonds in there Portfolio or invest in something else. Alot of discussion and with good reasons in other areas I follow about the Bond market not being good for along time going forward. I have currently went from 60/40 to 65/35/10 (cash or cash type investments). What say you on the topic. Mind you I am Fire'd and 56

Can you share you secret how to get a 110% allocation?  Do you have a money seminar at a steakhouse I can attend bc I want it?  ;) lol

Last year for my bond AA I basically went to all short duration ( maybe 5% in intermediate) or cash.  As 10yr hits 2%, I will start shifting into VFIDX and BND, which really is an intermediate fund bc how the US government irresponsibly funds its debt (mostly short term bc its cheaper).

Sucks to lose to inflation, but Sucks more to lose to duration.

[jeroly]

Got my second shot last night (PFE) so at least that is behind me. Anyone do anything different with there percentage of Bonds in there Portfolio or invest in something else. Alot of discussion and with good reasons in other areas I follow about the Bond market not being good for along time going forward. I have currently went from 60/40 to 65/35/10 (cash or cash type investments). What say you on the topic. Mind you I am Fire'd and 56

Can you share you secret how to get a 110% allocation?  Do you have a money seminar at a steakhouse I can attend bc I want it?  ;)

Either...
Leverage (borrow 10% of NW, reinvest)
Or...
Be bad at math

[Dicey]

Got my second shot last night (PFE) so at least that is behind me. Anyone do anything different with there percentage of Bonds in there Portfolio or invest in something else. Alot of discussion and with good reasons in other areas I follow about the Bond market not being good for along time going forward. I have currently went from 60/40 to 65/35/10 (cash or cash type investments). What say you on the topic. Mind you I am Fire'd and 56

Can you share you secret how to get a 110% allocation?  Do you have a money seminar at a steakhouse I can attend bc I want it?  ;)

Either...
Leverage (borrow 10% of NW, reinvest)
Or...
Be bad at math

Or typing. Looking at myself here. Shoe definitely fits.

[flyingaway]

Got my second shot last night (PFE) so at least that is behind me. Anyone do anything different with there percentage of Bonds in there Portfolio or invest in something else. Alot of discussion and with good reasons in other areas I follow about the Bond market not being good for along time going forward. I have currently went from 60/40 to 65/35/10 (cash or cash type investments). What say you on the topic. Mind you I am Fire'd and 56

I am also fully vaccinated. I am working on a few trips. Late April to the Great Smoky Mountain National Park, late May to Las Vegas and the Utah Grand Circle of National Parks. I am currently monitoring the U.S. re-entry requirements, hope CDC will drop the virus negative test requirements for vaccinated people soon. If that is the case, I will make a few overseas trips in summer.

I am trying to rebalance to bonds, but the stock market constantly pushes me back. Hopefully I will do a big rebalance soon. Another front is to decide if I should retire this year, next year, or some other time. My teaching job is easy with lots of free time, but I still prefer to sleep on my couch than to teach a class. I think it is a problem of money versus laziness.   

[Dancin'Dog]

We also received our 2nd shots a couple of days ago.  Really happy to be vaccinated.  It really bothers me that getting it is optional, but this isn't a political thread. 


DW wants to get yard work done.  Just built another raised bed for veggies, clearing out and mulching a natural area that was overgrown, and building a flagstone walk to the pier.  I'd like to have hired the work out, but it seems that I "missed the boat" on that, so it's going to be DIY.  We have a pickup & trailer for hauling the mulch & stone, and also a hobby tractor to move it.  I don't mind the exercise, but I've gotten really good at drinking coffee & surfing the web.  <grin>   It'll be nice after it's all done.
Hopefully, I will be able to escape to the mountains after the yardwork here.  I've got a lot of projects up there to finish, and really miss the rustic lifestyle. 


We're heading to the nursery to pick out plants.  :)


Stay safe,

[soccerluvof4]

Got my second shot last night (PFE) so at least that is behind me. Anyone do anything different with there percentage of Bonds in there Portfolio or invest in something else. Alot of discussion and with good reasons in other areas I follow about the Bond market not being good for along time going forward. I have currently went from 60/40 to 65/35/10 (cash or cash type investments). What say you on the topic. Mind you I am Fire'd and 56

Can you share you secret how to get a 110% allocation?  Do you have a money seminar at a steakhouse I can attend bc I want it?  ;) lol

Last year for my bond AA I basically went to all short duration ( maybe 5% in intermediate) or cash.  As 10yr hits 2%, I will start shifting into VFIDX and BND, which really is an intermediate fund bc how the US government irresponsibly funds its debt (mostly short term bc its cheaper).

Sucks to lose to inflation, but Sucks more to lose to duration.

65/25/10  Good Catch! :-)  yea so I have plenty of cash. My and DW 401k are Bond heavy went from 60 -65 and 10 cash mostly from rise in market and withdrawing more cash than I need but want to have less invested in bonds so I will look at that.

[soccerluvof4]

Got my second shot last night (PFE) so at least that is behind me. Anyone do anything different with there percentage of Bonds in there Portfolio or invest in something else. Alot of discussion and with good reasons in other areas I follow about the Bond market not being good for along time going forward. I have currently went from 60/40 to 65/35/10 (cash or cash type investments). What say you on the topic. Mind you I am Fire'd and 56

Can you share you secret how to get a 110% allocation?  Do you have a money seminar at a steakhouse I can attend bc I want it?  ;)

Either...
Leverage (borrow 10% of NW, reinvest)
Or...
Be bad at math

Being bad at math is only good if its to your advantage! :-)

[soccerluvof4]

We also received our 2nd shots a couple of days ago.  Really happy to be vaccinated.  It really bothers me that getting it is optional, but this isn't a political thread. 


DW wants to get yard work done.  Just built another raised bed for veggies, clearing out and mulching a natural area that was overgrown, and building a flagstone walk to the pier.  I'd like to have hired the work out, but it seems that I "missed the boat" on that, so it's going to be DIY.  We have a pickup & trailer for hauling the mulch & stone, and also a hobby tractor to move it.  I don't mind the exercise, but I've gotten really good at drinking coffee & surfing the web.  <grin>   It'll be nice after it's all done.
Hopefully, I will be able to escape to the mountains after the yardwork here.  I've got a lot of projects up there to finish, and really miss the rustic lifestyle. 


We're heading to the nursery to pick out plants.  :)


Stay safe,

Got my second shot last night (PFE) so at least that is behind me. Anyone do anything different with there percentage of Bonds in there Portfolio or invest in something else. Alot of discussion and with good reasons in other areas I follow about the Bond market not being good for along time going forward. I have currently went from 60/40 to 65/35/10 (cash or cash type investments). What say you on the topic. Mind you I am Fire'd and 56

I am also fully vaccinated. I am working on a few trips. Late April to the Great Smoky Mountain National Park, late May to Las Vegas and the Utah Grand Circle of National Parks. I am currently monitoring the U.S. re-entry requirements, hope CDC will drop the virus negative test requirements for vaccinated people soon. If that is the case, I will make a few overseas trips in summer.

I am trying to rebalance to bonds, but the stock market constantly pushes me back. Hopefully I will do a big rebalance soon. Another front is to decide if I should retire this year, next year, or some other time. My teaching job is easy with lots of free time, but I still prefer to sleep on my couch than to teach a class. I think it is a problem of money versus laziness.   

I was doing good with my second shot of Pfizer when I wrote my last math error post and a couple hours later I got a slight fever and the chills for about 6 hours but all good now!

[winkleweizen]

march 2019: 1.04m
july 2019:     1.18m
Oct 2019:     1.24m
Feb 2020:     1.42m
April 2020:    1.23m
May 2020:    1.38m
June 2020: 1.45m
July 2020:    1.507m
Sept 2020:  1.695m
Feb 2021: 1.990M
Apr 2021: 2.164 m

Excited to join this group.  Hopefully I stay here!

[Dicey]

march 2019: 1.04m
july 2019:     1.18m
Oct 2019:     1.24m
Feb 2020:     1.42m
April 2020:    1.23m
May 2020:    1.38m
June 2020: 1.45m
July 2020:    1.507m
Sept 2020:  1.695m
Feb 2021: 1.990M
Apr 2021: 2.164 m

Excited to join this group.  Hopefully I stay here!

IMO, once you've crossed over, as long as you stay invested, you don't have to leave if the market pulls back. Welcome to the club!

[Fomerly known as something]

So I was updating my TSP account snap shots for my meeting with my financial advisor in his planning portals we have our quarterly meeting this week.  TSP does not play well with outside planning software.  In April, my TSP alone has close to double the federal poverty line for a single person.  I might just join the double comma club with it alone by the end of the year and that would be with a return to normal market returns.


(My advisor is Fee only, this month we are going to be discussing what my take home pay will look like with a SFO move and start talking about how much of a cash fund I should build up for transitioning to RE in July of 2025 along with checking my allocation as usual.)

[soccerluvof4]

march 2019: 1.04m
july 2019:     1.18m
Oct 2019:     1.24m
Feb 2020:     1.42m
April 2020:    1.23m
May 2020:    1.38m
June 2020: 1.45m
July 2020:    1.507m
Sept 2020:  1.695m
Feb 2021: 1.990M
Apr 2021: 2.164 m

Excited to join this group.  Hopefully I stay here!

Welcome and as Dicey said once to crossover and our in I don't know anyone that would say if you have a set back your out. Doesn't work like that. So again welcome and keep up the good work!

[Fomerly known as something]

Per hopefully my soon to be real estate agent, my total net worth is about $80,000 more than what I see when I look at personal capital right now.  Let’s just say Zillow has been consistently undervaluing my house for the past couple of years.  That will put me in the range of $2.2 million when I potentially sell this summer.  There’s a good chance I’ll rent for the next 4 years which would mean almost all of the equity will be dumped in the market.  (I might just carve out my first years cash for FIRE out early so I don’t have to worry about it between now and July 2025).

[MishMash]

Oh this market is insane, started the year at 2.2, at 2.3 now and that’s AFTER dropping 185k on a boat (which is not included in the NW numbers).  Also doesn’t include the house value increase of 100k in 2 years, heck one just listed and went pending in two days for 150k more than we paid, same model, our house has more options and a better lot. 

[PhrugalPhan]

When I joined this group (4 years ago?) I had to use my investments + house + GF's investments + an estimated value of both of our pensions to get over $2MM.  Then I could be here even after dropping my house's value.  Then we were in with just our investments.

Now I checked and realized I could be in this group with only my investments ($1.5MM) + house ($400k) + estimated pension value ($600k) with no help from the GF.   While the growth is crazy, now I am wondering if my investments can hit $2MM by the time my golden handcuffs come off (Dec. 2022).  This snowballing growth has just been breathtaking.   Three of the last four years my investment growth has been more than my gross salary and this year is looking to follow that pattern. 

[MishMash]

Oh and the husband is officially eligible for his 20 year military pension!  He really wants to drop his paperwork but he’s up for promotion and if he works 3 more years it’s an extra 1.5k a month essentially.  He has expensive hobbies....

[2sk22]

When I joined this group (4 years ago?) I had to use my investments + house + GF's investments + an estimated value of both of our pensions to get over $2MM.  Then I could be here even after dropping my house's value.  Then we were in with just our investments.

Now I checked and realized I could be in this group with only my investments ($1.5MM) + house ($400k) + estimated pension value ($600k) with no help from the GF.   While the growth is crazy, now I am wondering if my investments can hit $2MM by the time my golden handcuffs come off (Dec. 2022).  This snowballing growth has just been breathtaking.   Three of the last four years my investment growth has been more than my gross salary and this year is looking to follow that pattern.

I used to do the same kind of calculations too, so this is familiar :-)  Now, I qualify to be in this group simply on basis of my post-tax accounts alone (ie not including IRA and 401K).

[Bateaux]

It's great to be in our positions. Some of us went through many downturns back in the day.  We just kept buying with hope of a better time to come.  The book Dow 36000 had been published and was laughed about.  We hoped the day would come in our lifetimes that the Dow crossed 36000.  Now we know it's almost a certainty.  Our investment net worth alone will exceed 3 million this year.  I don't include real estate since we don't rent them.  What a time to be here in this peer group.

[tooqk4u22]

It's great to be in our positions. Some of us went through many downturns back in the day.  We just kept buying with hope of a better time to come.  The book Dow 36000 had been published and was laughed about.  We hoped the day would come in our lifetimes that the Dow crossed 36000.  Now we know it's almost a certainty.  Our investment net worth alone will exceed 3 million this year.  I don't include real estate since we don't rent them.  What a time to be here in this peer group.

Well it was laughable because it was 1999 and the dow was at around 11k and the prediction was for it to hit 36k between 2002 and 2004.   Still not there yet, but probably will be soon but keep in mind that inflation adjusted from 2002'-2004 to today requires 51-55k. So we are still a bit off. 

If a book comes out "Dow 100,000"  time to sell. Lol

[Bateaux]

It's great to be in our positions. Some of us went through many downturns back in the day.  We just kept buying with hope of a better time to come.  The book Dow 36000 had been published and was laughed about.  We hoped the day would come in our lifetimes that the Dow crossed 36000.  Now we know it's almost a certainty.  Our investment net worth alone will exceed 3 million this year.  I don't include real estate since we don't rent them.  What a time to be here in this peer group.

Well it was laughable because it was 1999 and the dow was at around 11k and the prediction was for it to hit 36k between 2002 and 2004.   Still not there yet, but probably will be soon but keep in mind that inflation adjusted from 2002'-2004 to today requires 51-55k. So we are still a bit off. 

If a book comes out "Dow 100,000"  time to sell. Lol

Some of us will see Dow 100,000.  It's not that far away. 

[pecunia]

Dow Jones was 34,035.99 today.

What does it actually represent today?  I guess industrial production is still rolling along but hasn't expanded as much as the stock market.  The Central Banks have printed a lot of money.  Does that almost automatically drive the price of stocks up?  People have said that money has to find a place to go.

Is it like bitcoin?  There's nothing really behind bitcoin like gold or silver but people are driving the price up just because they want to buy it.  They have faith in it.

Maybe asking these questions could be like poking a big sleeping bear with a stick.  Maybe, it's something I really shouldn't know.  I just need to keep faith in the 4 percent rule and live my life.  Religious folks don't like it when I start nosing around how their beliefs work.  Money is kind of like a religion to many and I should keep the faith.

Keep climbing that mountain folks and you may see a Dow Jones at the lofty golden height of 100,000.  I may not be there with you to see it myself.  Don't give up the dream.

[Bateaux]

Dow Jones was 34,035.99 today.

What does it actually represent today?  I guess industrial production is still rolling along but hasn't expanded as much as the stock market.  The Central Banks have printed a lot of money.  Does that almost automatically drive the price of stocks up?  People have said that money has to find a place to go.

Is it like bitcoin?  There's nothing really behind bitcoin like gold or silver but people are driving the price up just because they want to buy it.  They have faith in it.

Maybe asking these questions could be like poking a big sleeping bear with a stick.  Maybe, it's something I really shouldn't know.  I just need to keep faith in the 4 percent rule and live my life.  Religious folks don't like it when I start nosing around how their beliefs work.  Money is kind of like a religion to many and I should keep the faith.

Keep climbing that mountain folks and you may see a Dow Jones at the lofty golden height of 100,000.  I may not be there with you to see it myself.  Don't give up the dream.

Those of us that have been investing for multiple decades know it's not a linear progression.  There will be more crashes.  My crash hedge has always been my nearly recession proof job.  That's rapidly coming to an end.  With only about 800 days till I'm living off of savings, faith in ever expanding growth is almost a requirement. 

[pecunia]

Yeh - Get out when you can.  It isn't just money crashes that can happen.  A truck could crash into you.  I guess it'll be 799 days tomorrow.

[Fomerly known as something]

1552 days until health care included with pension eligible. 

[Dicey]

When I joined this group (4 years ago?) I had to use my investments + house + GF's investments + an estimated value of both of our pensions to get over $2MM.  Then I could be here even after dropping my house's value.  Then we were in with just our investments.

Now I checked and realized I could be in this group with only my investments ($1.5MM) + house ($400k) + estimated pension value ($600k) with no help from the GF.   While the growth is crazy, now I am wondering if my investments can hit $2MM by the time my golden handcuffs come off (Dec. 2022).  This snowballing growth has just been breathtaking.   Three of the last four years my investment growth has been more than my gross salary and this year is looking to follow that pattern.

Last week I did some scratch pad math and realized the combined value of our home and the equity in our 3 single family rentals is over $2.5M. Bonkers to think I could qualify for this thread on RE equity alone.

[wannabe-stache]

march 2019: 1.04m
july 2019:     1.18m
Oct 2019:     1.24m
Feb 2020:     1.42m
April 2020:    1.23m
May 2020:    1.38m
June 2020: 1.45m
July 2020:    1.507m
Sept 2020:  1.695m
Feb 2021: 1.990M
Apr 2021: 2.164 m

Excited to join this group.  Hopefully I stay here!

you will have that thought every time you cross another threshold.

we crossed $3mm 3 years ago, April 2018.

since then we've crossed $4, $5, $6, and now over $7mm as of today.  $5.5mm is low cost ETFs, over 50x expenses.

This isn't just market returns - we are 2 high earners, both of whom received significant bonuses and RSU cash outs this year and last year.

But market returns have certainly driven us into the stratosphere.

and btw, it will never feel like enough.  always something to keep you at your desk - healthcare, kids, health in general, market crash "just around the corner", etc.

[2Birds1Stone]

and btw, it will never feel like enough.  always something to keep you at your desk - healthcare, kids, health in general, market crash "just around the corner", etc.

sounds like a sad existence

[wannabe-stache]

and btw, it will never feel like enough.  always something to keep you at your desk - healthcare, kids, health in general, market crash "just around the corner", etc.

sounds like a sad existence

easy trap to fall into when you work with folks with $20mm+.

luckily, lifestyle hasn't inflated accordingly, i still drive used cars, clip coupons, etc.

i am only 41 and have 2 kids under 4 so don't feel sorry for me.

[UnleashHell]

well it looks like were are firmly over 2.5m as a couple.
however we are still working because we are both aiming for individual retirement (estates will each go to our respective kids - not the partner).

However even that is in touching distance.
Me because I still need a few more months to reach my target but I have a fixed and firm, date in mind (less than 12 months though) and management because she's new to the fire concept and is in the process of sorting out her accounts and a trust that was inherited. Mr Collins stock series is being worked on as is the theory of just dropping some of that juicy cash into the market.

At the current rate of progress who knows what figure we'll be at come quitting time.

[Fomerly known as something]

Well I just rebalanced my retirement accounts back to 70/30.  On the other hand, I didn’t need to do so with my taxable because I funded my DAF with about 10% of my taxable account (split I. Half In December and January respectively all from the stock funds).  Amazingly there is more money in the account today, and it’s perfectly in balance for now.

[Bateaux]

well it looks like were are firmly over 2.5m as a couple.
however we are still working because we are both aiming for individual retirement (estates will each go to our respective kids - not the partner).

However even that is in touching distance.
Me because I still need a few more months to reach my target but I have a fixed and firm, date in mind (less than 12 months though) and management because she's new to the fire concept and is in the process of sorting out her accounts and a trust that was inherited. Mr Collins stock series is being worked on as is the theory of just dropping some of that juicy cash into the market.

At the current rate of progress who knows what figure we'll be at come quitting time.

I'm thinking we need a physical meet up Florida style in the not so distant future.  We're still working the salt mines in Louisiana a little while longer till we relax in our West coast Florida utopia.

[jeroly]

well it looks like were are firmly over 2.5m as a couple.
however we are still working because we are both aiming for individual retirement (estates will each go to our respective kids - not the partner).

However even that is in touching distance.
Me because I still need a few more months to reach my target but I have a fixed and firm, date in mind (less than 12 months though) and management because she's new to the fire concept and is in the process of sorting out her accounts and a trust that was inherited. Mr Collins stock series is being worked on as is the theory of just dropping some of that juicy cash into the market.

At the current rate of progress who knows what figure we'll be at come quitting time.

I'm thinking we need a physical meet up Florida style in the not so distant future.  We're still working the salt mines in Louisiana a little while longer till we relax in our West coast Florida utopia.

Do you mean that literally?
Back in college I visited a chum who was working in New Iberia, LA who, when he got up in the morning to go to work, said, “Well, it’s off to the salt mine” and meant it literally.

[MishMash]

well it looks like were are firmly over 2.5m as a couple.
however we are still working because we are both aiming for individual retirement (estates will each go to our respective kids - not the partner).

However even that is in touching distance.
Me because I still need a few more months to reach my target but I have a fixed and firm, date in mind (less than 12 months though) and management because she's new to the fire concept and is in the process of sorting out her accounts and a trust that was inherited. Mr Collins stock series is being worked on as is the theory of just dropping some of that juicy cash into the market.

At the current rate of progress who knows what figure we'll be at come quitting time.

I'm thinking we need a physical meet up Florida style in the not so distant future.  We're still working the salt mines in Louisiana a little while longer till we relax in our West coast Florida utopia.

Ha, do it in Tampa and we can go fishing on the husbands stupid new boat *facepalm*

[Bateaux]

well it looks like were are firmly over 2.5m as a couple.
however we are still working because we are both aiming for individual retirement (estates will each go to our respective kids - not the partner).

However even that is in touching distance.
Me because I still need a few more months to reach my target but I have a fixed and firm, date in mind (less than 12 months though) and management because she's new to the fire concept and is in the process of sorting out her accounts and a trust that was inherited. Mr Collins stock series is being worked on as is the theory of just dropping some of that juicy cash into the market.

At the current rate of progress who knows what figure we'll be at come quitting time.

I'm thinking we need a physical meet up Florida style in the not so distant future.  We're still working the salt mines in Louisiana a little while longer till we relax in our West coast Florida utopia.

Do you mean that literally?
Back in college I visited a chum who was working in New Iberia, LA who, when he got up in the morning to go to work, said, “Well, it’s off to the salt mine” and meant it literally.

I work in chemical laboratory.  But, the salt domes are pretty neat to visit in New Iberia.  You can sample Tabasco when there.

[Bateaux]

well it looks like were are firmly over 2.5m as a couple.
however we are still working because we are both aiming for individual retirement (estates will each go to our respective kids - not the partner).

However even that is in touching distance.
Me because I still need a few more months to reach my target but I have a fixed and firm, date in mind (less than 12 months though) and management because she's new to the fire concept and is in the process of sorting out her accounts and a trust that was inherited. Mr Collins stock series is being worked on as is the theory of just dropping some of that juicy cash into the market.

At the current rate of progress who knows what figure we'll be at come quitting time.

I'm thinking we need a physical meet up Florida style in the not so distant future.  We're still working the salt mines in Louisiana a little while longer till we relax in our West coast Florida utopia.

Ha, do it in Tampa and we can go fishing on the husbands stupid new boat *facepalm*

Well yeah!   We're just inland from Crystal River!

[ysette9]

well it looks like were are firmly over 2.5m as a couple.
however we are still working because we are both aiming for individual retirement (estates will each go to our respective kids - not the partner).

However even that is in touching distance.
Me because I still need a few more months to reach my target but I have a fixed and firm, date in mind (less than 12 months though) and management because she's new to the fire concept and is in the process of sorting out her accounts and a trust that was inherited. Mr Collins stock series is being worked on as is the theory of just dropping some of that juicy cash into the market.

At the current rate of progress who knows what figure we'll be at come quitting time.

I'm thinking we need a physical meet up Florida style in the not so distant future.  We're still working the salt mines in Louisiana a little while longer till we relax in our West coast Florida utopia.

Do you mean that literally?
Back in college I visited a chum who was working in New Iberia, LA who, when he got up in the morning to go to work, said, “Well, it’s off to the salt mine” and meant it literally.

I work in chemical laboratory.  But, the salt domes are pretty neat to visit in New Iberia.  You can sample Tabasco when there.

My uncle loved Tabasco sauce when I was a kid and always jokingly offered it to us to put on our dishes. Well into my adult years I thought I hated spicy because I hated Tabasco sauce. It turns out I have white vinegar but love spicy. Thank goodness for oil-based chili sauces galore in Chinese cooking. I’m bummed I missed out on all of those years of spicy food enjoyment because of Tabasco.

Tapatio is a nice non-vinegar alternative.

[Bateaux]

well it looks like were are firmly over 2.5m as a couple.
however we are still working because we are both aiming for individual retirement (estates will each go to our respective kids - not the partner).

However even that is in touching distance.
Me because I still need a few more months to reach my target but I have a fixed and firm, date in mind (less than 12 months though) and management because she's new to the fire concept and is in the process of sorting out her accounts and a trust that was inherited. Mr Collins stock series is being worked on as is the theory of just dropping some of that juicy cash into the market.

At the current rate of progress who knows what figure we'll be at come quitting time.

I'm thinking we need a physical meet up Florida style in the not so distant future.  We're still working the salt mines in Louisiana a little while longer till we relax in our West coast Florida utopia.

Do you mean that literally?
Back in college I visited a chum who was working in New Iberia, LA who, when he got up in the morning to go to work, said, “Well, it’s off to the salt mine” and meant it literally.

I work in chemical laboratory.  But, the salt domes are pretty neat to visit in New Iberia.  You can sample Tabasco when there.

My uncle loved Tabasco sauce when I was a kid and always jokingly offered it to us to put on our dishes. Well into my adult years I thought I hated spicy because I hated Tabasco sauce. It turns out I have white vinegar but love spicy. Thank goodness for oil-based chili sauces galore in Chinese cooking. I’m bummed I missed out on all of those years of spicy food enjoyment because of Tabasco.

Tapatio is a nice non-vinegar alternative.

We love vinegar here in Louisiana.  We pickle everything.

[ysette9]

I have recently discovered apple cider vinegar, which is a glorious substance that goes in all sorts of things. But white vinegar? Blegh. :-)

[Bateaux]

Something I'm pretty proud of is working for 29 years at the same company and having perfect attendance.  I've never called in sick once.
This morning my wife got sick at work.  She was dizzy and had a fever.  It's my day off so I picked her up.  I took her to an walk in clinic to be Covid tested.  Yes, she's positive for Covid.  I got myself tested.  I'm also positive for Covid. I don't feel particularly bad.  I called my company nurse.  First she said stay home till April 30th.  An hour later she called back and told me to report to work my next shift, that's Wednesday.  I reminded her my test was positive as well as my wife's.  Since we're both vaccinated they think everything is fine to return to work.  My perfect attendance goes on.  I think they are nuts.

[SwordGuy]

Something I'm pretty proud of is working for 29 years at the same company and having perfect attendance.  I've never called in sick once.
This morning my wife got sick at work.  She was dizzy and had a fever.  It's my day off so I picked her up.  I took her to an walk in clinic to be Covid tested.  Yes, she's positive for Covid.  I got myself tested.  I'm also positive for Covid. I don't feel particularly bad.  I called my company nurse.  First she said stay home till April 30th.  An hour later she called back and told me to report to work my next shift, that's Wednesday.  I reminded her my test was positive as well as my wife's.  Since we're both vaccinated they think everything is fine to return to work.  My perfect attendance goes on.  I think they are nuts.

You have FU money.    You could just say no.   It's ok to do that, it's even a Republican thing to do.   :)

[flyingaway]

Something I'm pretty proud of is working for 29 years at the same company and having perfect attendance.  I've never called in sick once.
This morning my wife got sick at work.  She was dizzy and had a fever.  It's my day off so I picked her up.  I took her to an walk in clinic to be Covid tested.  Yes, she's positive for Covid.  I got myself tested.  I'm also positive for Covid. I don't feel particularly bad.  I called my company nurse.  First she said stay home till April 30th.  An hour later she called back and told me to report to work my next shift, that's Wednesday.  I reminded her my test was positive as well as my wife's.  Since we're both vaccinated they think everything is fine to return to work.  My perfect attendance goes on.  I think they are nuts.

Would you mind telling us when did you and your wife receive what vaccine, and at what stage ( 1st shot, 2nd shot)? That information might help us adjust our behavior and plans.