Author Topic: Target FIRE: 2017  (Read 282454 times)

Metta

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Re: Target FIRE: 2017
« Reply #550 on: January 03, 2017, 03:27:15 PM »
That is excellent, Zephyr and congratulations to Mrs. Zephyr! Excellent SR as well!
There was a lot of luck involved, but thanks. I'd like to get it back over 60% for the rest of my FT employment period.

There is always luck (bad and good) in this game. The question is what you do with your luck that makes the difference.

SwordGuy

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Re: Target FIRE: 2017
« Reply #551 on: January 03, 2017, 05:21:36 PM »
That is excellent, Zephyr and congratulations to Mrs. Zephyr! Excellent SR as well!
There was a lot of luck involved, but thanks. I'd like to get it back over 60% for the rest of my FT employment period.

There is always luck (bad and good) in this game. The question is what you do with your luck that makes the difference.

That is SO VERY true!

Case in point:  Hail storm totals both our cars.   Only cosmetic damage, though.   Everyone else lost their deductible (at least) by fixing their car or buying a new one.   We bought our totaled cars back for pennies on the dollar and put $10,000 in our pocket.  (Which we didn't rush out and spend right away, as that money would be needed to replace the car it was ruined in a accident, for example.)

Same situation.  Two different responses.    We got a $200 trade in when we finally replaced my wife's car some years later.  I'm still driving mine.  :)

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Re: Target FIRE: 2017
« Reply #552 on: January 03, 2017, 10:15:18 PM »
I'm FIRE'd. My locker is cleaned out and I will return on Friday (I scheduled personal days for Wednesday, Thursday and Friday) to give HR their keys, time card, parking permit, and security badge.

The day felt oddly anticlimactic. I expected a manic grin and a pounding heart, especially at the end of the day. That didn't happen.  I have had the last day before a week of vacation go slower and felt more anticipation. I guess it will sink in later, in a good way.

It was a little hard to stay focused on the job.

On of the most satisfying moments of the day was deleting a daily alarm on my phone that alerted me to the end of my lunch break. I won't be needing that any more.

Threshkin

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Re: Target FIRE: 2017
« Reply #553 on: January 03, 2017, 11:01:13 PM »
We've got a bunch of people retiring in the first few days of January.  I want to hear reports on how awesome it is!

As someone who graduated early (Oct 31) I can tell you it is awesome in general but there are a few glitches in my case.  A silly one is that I have to keep reminding myself to pay bills.  I get on the computer so infrequently any more.

I am getting past an initial phase of not wanting to do anything and starting to get busy again.  Once it warms up I expect to be even more busy.

Retired people problems!

(and can't you put your bills on autopay?  I've done that for years.)

I have some on autopay but have been resistant because I don't like letting others have the ability to withdraw money from my account.  That resistance is fading now that I don't spend all day in front of my computer for work.

MandyM

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Re: Target FIRE: 2017
« Reply #554 on: January 04, 2017, 06:48:17 AM »
Is anyone having a really hard time being engaged at work? I've been working 9:30 - 4 these days and even that has become a struggle. I had a little work to keep me busy but they keep giving me new people and by the time I gave them something to do there was nothing really left for me. I've been taking long lunches and listening to coursera courses but things are going so slowly.

*raises hand earnestly* YES. Although, I've been struggling for months now. I chose May 1 as my FIRE date, but I will be talking to my boss in the next week or two about going part time. So, sort of pulling the plug early, sort of delaying. I look at it as the former.

Acastus

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Re: Target FIRE: 2017
« Reply #555 on: January 04, 2017, 11:25:36 AM »
As Fiona says in "Shrek," I know it's today.

Everything looks good on paper for sometime this year. I would like to build a small cushion to finance some of my son's college in 2-3 years. I need to see what happens to healthcare. I was really counting on Obamacare, with a subsidized cost of ~$400/mo for my family. That will all go down in flames this year, I am sure.

I got group insurance through the Chamber of Commerce in MA before ACA/Romneycare kicked in. That should reappear for anyone that is self employed, even at the hobbiest level.

zephyr911

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Re: Target FIRE: 2017
« Reply #556 on: January 04, 2017, 12:39:24 PM »
As Fiona says in "Shrek," I know it's today.

Everything looks good on paper for sometime this year. I would like to build a small cushion to finance some of my son's college in 2-3 years. I need to see what happens to healthcare. I was really counting on Obamacare, with a subsidized cost of ~$400/mo for my family. That will all go down in flames this year, I am sure.

It ain't over till it's over. A full repeal without comprehensive substitute options in place would be a disaster for the GOP. The reality they don't like to admit is that middle-America red states (OK, the ones that actually let it happen) saw the highest proportion of their residents benefit from this... you know, the states with the most poverty, worst health, and lowest proportion of jobs with benefits?

It will be interesting to see.

Metta

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Re: Target FIRE: 2017
« Reply #557 on: January 04, 2017, 09:03:57 PM »
I'm FIRE'd. My locker is cleaned out and I will return on Friday (I scheduled personal days for Wednesday, Thursday and Friday) to give HR their keys, time card, parking permit, and security badge.

The day felt oddly anticlimactic. I expected a manic grin and a pounding heart, especially at the end of the day. That didn't happen.  I have had the last day before a week of vacation go slower and felt more anticipation. I guess it will sink in later, in a good way.

It was a little hard to stay focused on the job.

On of the most satisfying moments of the day was deleting a daily alarm on my phone that alerted me to the end of my lunch break. I won't be needing that any more.

Woohoo! Congratulations. Slide right in to our FIREd warm water.

Acastus

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Re: Target FIRE: 2017
« Reply #558 on: January 05, 2017, 11:32:10 AM »

It ain't over till it's over. A full repeal without comprehensive substitute options in place would be a disaster for the GOP. The reality they don't like to admit is that middle-America red states (OK, the ones that actually let it happen) saw the highest proportion of their residents benefit from this... you know, the states with the most poverty, worst health, and lowest proportion of jobs with benefits?

It will be interesting to see.

The GOP has been the party of No so long, I don't think they know how to create legislation anymore. A handful of senators seem to have reservations about repeal and ... <crickets>, so the next couple months should be interesting. The remainder just want to kill healthcare because it is named "Obama." Never mind they named it that. Maybe they will fail to kill it, then I can FIRE.

As something of a Yankee, I am bemused that many citizens think the GOP wants to fix the ACA. The party and their prexy have only ever said they would repeal it.

FrugalAussie

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Re: Target FIRE: 2017
« Reply #559 on: January 05, 2017, 04:09:53 PM »
I resigned yesterday!

About 20 years ago, during a visit to the US (I'm Australian), I read the book Your Money or Your Life. As a sole parent on a low/average variable income I struggled financially for so long that I did despair if I'd ever get ahead financially. Some years were incredibly lean and so very stressful. Two strategies I could implement were to avoid non-housing debt and to build experience and skill in my profession.  When my youngest child turned 16 my income started to climb significantly so I could aggressively save. Now, at the age of 51, I can afford to comfortably retire.

Six years ago I met my partner, he's also frugal and a saver.  He too can afford to retire.  Today he goes to work to put in place his retirement plan.

My boss is reluctant to let me go so my exit from work will be somewhat graduated, the same for my SO, but by the end of this year we will definitely both be FIRE.

As many have said before me, MMM has been a godsend.  Retiring early is counter cultural for the majority of Australians and most of the people I know have spending habits that aren't conducive to saving. While I've tried to champion frugal choices I have felt like a bit of a weirdo at times. By lurking on the MMM forums my FIRE goal has been reaffirmed so I've moved forward and now here I am, in the last few months of work. THANK YOU all.

Freedom17

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Re: Target FIRE: 2017
« Reply #560 on: January 05, 2017, 05:52:04 PM »
That's fantastic. Congratulations!

Daisy

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Re: Target FIRE: 2017
« Reply #561 on: January 05, 2017, 06:04:16 PM »
FrugalAussie, it sounds like you were able to FIRE on your own efforts as a single mom which is amazing...and then you met a nice frugal man which probably makes it even easier to FIRE!

That's my dream (as a single woman)...although happily single too. I think MMM had a post about a woman that FIRE'D to become a kayak guide and then met here dream partner that was doing the same.

Congratulations!

FrugalAussie

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Re: Target FIRE: 2017
« Reply #562 on: January 05, 2017, 07:01:53 PM »
Hi Daisy.  If my relationship ended tomorrow I could still FIRE.  I'm fiercely independent so it's very important to me that I'm financially secure myself. Having said that, you're right, having a partner who has the same goal is fantastic as we support each other and ensure we have fun along the way.  We also check each other when we think we might be crossing over from frugal to cheap!

Metta

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Re: Target FIRE: 2017
« Reply #563 on: January 05, 2017, 07:10:24 PM »
I resigned yesterday!

About 20 years ago, during a visit to the US (I'm Australian), I read the book Your Money or Your Life. As a sole parent on a low/average variable income I struggled financially for so long that I did despair if I'd ever get ahead financially. Some years were incredibly lean and so very stressful. Two strategies I could implement were to avoid non-housing debt and to build experience and skill in my profession.  When my youngest child turned 16 my income started to climb significantly so I could aggressively save. Now, at the age of 51, I can afford to comfortably retire.

Six years ago I met my partner, he's also frugal and a saver.  He too can afford to retire.  Today he goes to work to put in place his retirement plan.

My boss is reluctant to let me go so my exit from work will be somewhat graduated, the same for my SO, but by the end of this year we will definitely both be FIRE.

As many have said before me, MMM has been a godsend.  Retiring early is counter cultural for the majority of Australians and most of the people I know have spending habits that aren't conducive to saving. While I've tried to champion frugal choices I have felt like a bit of a weirdo at times. By lurking on the MMM forums my FIRE goal has been reaffirmed so I've moved forward and now here I am, in the last few months of work. THANK YOU all.

That's excellent FrugalAussie! We were also inspired by YMOYL about 20 years ago. So we are sort of YMOYL sisters. :)

John Doe

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Re: Target FIRE: 2017
« Reply #564 on: January 05, 2017, 07:14:27 PM »
I go to PT on April 1 and to celebrate my 'semi' RE, we just booked a 10 day trip to Paris leaving on April 9!!!!  Wow this is really happening......

SwordGuy

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Re: Target FIRE: 2017
« Reply #565 on: January 06, 2017, 08:54:27 PM »
Added a confirmation link  for those who said they are FIRED to the message where they announced it.  (A trick I borrowed
from the 2016 thread.)  Plus added FrugalAussie and Threshkin.


Threshkin                Oct 31st, 2016 Confirmed
Metta            (at 55) January 1, 2017 Confirmed
MrsWhipple       (at 32) January 1, 2017 Confirmed
MsGreenStash     (at 51) January 1, 2017
FIRE me                  January 3, 2017 Confirmed
FrugalAussie             January 4, 2017 Confirmed
Zineth           (at 49) January 17, 2017
MarciaB          (at 55) January 31, 2017
rahby1us                 January 31, 2017
mf3333           (at 56) January 31, 2017
dragoncar                March 1, 2017
easypeasy        (at 35) March 15, 2017   
Myhotrs          (at 38) March 31, 2017   
oblivion                 March 31, 2017
John Doe                 April 1, 2017
Daisy            (at 48) April 28, 2017
MandyM           (at 38) May 1, 2017     
Mrs. Pomodoro            May 1, 2017
Remote_Landlord  (at 39) May 8, 2017
Penguin159               May 12, 2017
Rachael          (at 42) May 21, 2017
BNgarden         (at 58) May 24, 2017
RedmondStash             May 31, 2017
Jack06           (at 42) June 1, 2017     
Fairviewite      (at 27) June 1, 2017
Romag                    June 1, 2017
Cottonswab       (at 30) June 1, 2017
Financial Asc.   (at 39) June 1, 2017
Zephyr911        (at 38) Summer 2017?
Charlie Foxtrot  (at 41) July 1, 2017
Bigchrisb        (at 35) July 3, 2017
Freedom17        (at 38) July 28, 2017
UnleashHell              July 28, 2017
Cookie78         (at 39) August 3, 2017
MonkeyJenga      (at 31) Summer/Fall 2017         
Jim2001                  December 31, 2017
SwordGuy         (at 59) OMY
Mrs. SwordGuy            OMY
noble_goal               OMY

SachaFiscal

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Re: Target FIRE: 2017
« Reply #566 on: January 07, 2017, 10:49:23 AM »
I feel a little premature posting here but I've been seriously thinking about retiring from my current career this year.  I'm not sure about exact date yet but possibilities include late summer after my current project ends before I get transferred to another program that would likely be very stressful, or at the end of the year in December after some company stock vests.  For now I will say December 1, 2017 as my last day.

I turned 40 early last year and it has weighed heavily on me. There's a lot of things I've been putting on hold because I've been so focused on my career for the past 18 years.  I've always felt out of place in a corporate environment and have been trying to figure out a way to get out and do something I find more fulfilling. I just couldn't ever figure out what that thing was and how I could make enough money at it.  I felt like I wanted to have more free time to try different things to see what else I excelled at and what else I was interested in.  Exploring these things while working doesn't seem to be working for me as I am exhausted at the end of each day and only feel recovered enough to do anything new at the end of a two week vacation (when it is time to go back to work).  I feel like I can't really be myself in a corporate environment and I don't have much in common with the people I work with.

I found MMM a few years ago and finally found my out. We don't quite have enough to both retire yet but my husband still wants to work for at least a few more years so we should be able to both live off of his salary and just let the stash grow for a few years until we have enough.  And who knows, I may find something else to do that I love and makes money and aligns with my values.  But I'm lucky that I don't have to worry about the money and can just explore different options.

I'm planning on taking a couple months leave early this year which may change my plans.  I may love it so much that I just quit right after or I may be well rested and feel able to work for a bit longer.  It is a little scary making such a big change and leaving something that I've been used to for so long and is safe/secure. I go back and forth each day thinking I'll quit this year then later thinking I'll stay until 2018.  Reading all the stories from the 2016 cohort really inspired me though.  So I'd like to put my name in for 2017.

@Metta, it sounds like you were quite critical to your employer.  How did you tell them you wanted to retire and how did they take it?

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Re: Target FIRE: 2017
« Reply #567 on: January 07, 2017, 02:39:24 PM »
Cool idea, Swordguy. But it looks like there was a copy and paste error, my link pointed to Metta's announcement. I think it is fixed now.


Threshkin                Oct 31st, 2016 Confirmed
Metta            (at 55) January 1, 2017 Confirmed
MrsWhipple       (at 32) January 1, 2017 Confirmed
MsGreenStash     (at 51) January 1, 2017
FIRE me                  January 3, 2017 Confirmed
FrugalAussie             January 4, 2017 Confirmed
Zineth           (at 49) January 17, 2017
MarciaB          (at 55) January 31, 2017
rahby1us                 January 31, 2017
mf3333           (at 56) January 31, 2017
dragoncar                March 1, 2017
easypeasy        (at 35) March 15, 2017   
Myhotrs          (at 38) March 31, 2017   
oblivion                 March 31, 2017
John Doe                 April 1, 2017
Daisy            (at 48) April 28, 2017
MandyM           (at 38) May 1, 2017     
Mrs. Pomodoro            May 1, 2017
Remote_Landlord  (at 39) May 8, 2017
Penguin159               May 12, 2017
Rachael          (at 42) May 21, 2017
BNgarden         (at 58) May 24, 2017
RedmondStash             May 31, 2017
Jack06           (at 42) June 1, 2017     
Fairviewite      (at 27) June 1, 2017
Romag                    June 1, 2017
Cottonswab       (at 30) June 1, 2017
Financial Asc.   (at 39) June 1, 2017
Zephyr911        (at 38) Summer 2017?
Charlie Foxtrot  (at 41) July 1, 2017
Bigchrisb        (at 35) July 3, 2017
Freedom17        (at 38) July 28, 2017
UnleashHell              July 28, 2017
Cookie78         (at 39) August 3, 2017
MonkeyJenga      (at 31) Summer/Fall 2017         
Jim2001                  December 31, 2017
SwordGuy         (at 59) OMY
Mrs. SwordGuy            OMY
noble_goal               OMY


SwordGuy

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Re: Target FIRE: 2017
« Reply #568 on: January 07, 2017, 02:49:23 PM »
Thanks.  I popped into the 2016 cohort thread and was tickled pink to see all those confirmed FIRE dates!

CanuckExpat

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Re: Target FIRE: 2017
« Reply #569 on: January 07, 2017, 02:57:25 PM »
Thanks.  I popped into the 2016 cohort thread and was tickled pink to see all those confirmed FIRE dates!

Here's a link for the lazy and curious: http://forum.mrmoneymustache.com/welcome-to-the-forum/class-of-2016/msg1365276/#msg1365276

SachaFiscal

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Re: Target FIRE: 2017
« Reply #570 on: January 07, 2017, 04:17:07 PM »
Added myself :)


Threshkin                Oct 31st, 2016 Confirmed
Metta            (at 55) January 1, 2017 Confirmed
MrsWhipple       (at 32) January 1, 2017 Confirmed
MsGreenStash     (at 51) January 1, 2017
FIRE me                  January 3, 2017 Confirmed
FrugalAussie             January 4, 2017 Confirmed
Zineth           (at 49) January 17, 2017
MarciaB          (at 55) January 31, 2017
rahby1us                 January 31, 2017
mf3333           (at 56) January 31, 2017
dragoncar                March 1, 2017
easypeasy        (at 35) March 15, 2017   
Myhotrs          (at 38) March 31, 2017   
oblivion                 March 31, 2017
John Doe                 April 1, 2017
Daisy            (at 48) April 28, 2017
MandyM           (at 38) May 1, 2017     
Mrs. Pomodoro            May 1, 2017
Remote_Landlord  (at 39) May 8, 2017
Penguin159               May 12, 2017
Rachael          (at 42) May 21, 2017
BNgarden         (at 58) May 24, 2017
RedmondStash             May 31, 2017
Jack06           (at 42) June 1, 2017     
Fairviewite      (at 27) June 1, 2017
Romag                    June 1, 2017
Cottonswab       (at 30) June 1, 2017
Financial Asc.   (at 39) June 1, 2017
Zephyr911        (at 38) Summer 2017?
Charlie Foxtrot  (at 41) July 1, 2017
Bigchrisb        (at 35) July 3, 2017
Freedom17        (at 38) July 28, 2017
UnleashHell              July 28, 2017
Cookie78         (at 39) August 3, 2017
MonkeyJenga      (at 31) Summer/Fall 2017
SashaFiscal      (at 41) December 1, 2017   
Jim2001                  December 31, 2017
SwordGuy         (at 59) OMY
Mrs. SwordGuy            OMY
noble_goal               OMY


Metta

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Re: Target FIRE: 2017
« Reply #571 on: January 08, 2017, 09:14:35 AM »
@Metta, it sounds like you were quite critical to your employer.  How did you tell them you wanted to retire and how did they take it?

Welcome SaschaFiscal!

I told my management June or July of 2015 with the hope that this would galvanize them into supporting the retirement of my application (which they had been paying lip service to for about 5 years). Before I ended up with a new manager, I warned her that she may not want me because I was retiring in November, 2016. She had me re-orged under her anyway because she thought I would change my mind if I were exposed to her lovely personality (and she is a lovely person). And I did change my mind. I moved my retirement date to January 1, 2017.

For the last year and a half people have been delusional on this, with most sure that i would change my mind. And, in fact, during my last week two people suggested that I would change my mind at the end. I kept saying "I've eaten the retirement cake. There's no turning back now." But it didn't matter because in their narrative these were the facts:

1) Metta is too young to retire
2) She can't possibly have enough money to retire
3) They need Metta and she is a nice person who wouldn't abandon the work group.

On my last day this was replaced with a new narrative:

  -- Metta will be back as a consultant because <see reasons 1-3 above>

Denial. It's not just a river in Egypt.

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Re: Target FIRE: 2017
« Reply #572 on: January 08, 2017, 12:18:51 PM »
Added a confirmation link  for those who said they are FIRED to the message where they announced it.  (A trick I borrowed
from the 2016 thread.)  Plus added FrugalAussie and Threshkin.


MsGreenStash     (at 51) January 1, 2017


I got curious about MsGreenStash, who hasn't posted (confirmed) her January 1 retirement. Rather than PM, I looked at her post history. Very sparse posts (3 total) and last log in was October 21, 2016. So I assume she is alive, well, and retired, and has just moved on to other things.

zinethstache

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Re: Target FIRE: 2017
« Reply #573 on: January 08, 2017, 03:23:53 PM »
I officially resigned on 1/3, we negotiated my last day at 1/27, I've updated my date and set it to Confirmed! So excited:)

Threshkin                Oct 31st, 2016 Confirmed
Metta            (at 55) January 1, 2017 Confirmed
MrsWhipple       (at 32) January 1, 2017 Confirmed
MsGreenStash     (at 51) January 1, 2017
FIRE me                  January 3, 2017 Confirmed
FrugalAussie             January 4, 2017 Confirmed
Zineth           (at 49) January 27, 2017 Confirmed
MarciaB          (at 55) January 31, 2017
rahby1us                 January 31, 2017
mf3333           (at 56) January 31, 2017
dragoncar                March 1, 2017
easypeasy        (at 35) March 15, 2017   
Myhotrs          (at 38) March 31, 2017   
oblivion                 March 31, 2017
John Doe                 April 1, 2017
Daisy            (at 48) April 28, 2017
MandyM           (at 38) May 1, 2017     
Mrs. Pomodoro            May 1, 2017
Remote_Landlord  (at 39) May 8, 2017
Penguin159               May 12, 2017
Rachael          (at 42) May 21, 2017
BNgarden         (at 58) May 24, 2017
RedmondStash             May 31, 2017
Jack06           (at 42) June 1, 2017     
Fairviewite      (at 27) June 1, 2017
Romag                    June 1, 2017
Cottonswab       (at 30) June 1, 2017
Financial Asc.   (at 39) June 1, 2017
Zephyr911        (at 38) Summer 2017?
Charlie Foxtrot  (at 41) July 1, 2017
Bigchrisb        (at 35) July 3, 2017
Freedom17        (at 38) July 28, 2017
UnleashHell              July 28, 2017
Cookie78         (at 39) August 3, 2017
MonkeyJenga      (at 31) Summer/Fall 2017
SashaFiscal      (at 41) December 1, 2017   
Jim2001                  December 31, 2017
SwordGuy         (at 59) OMY
Mrs. SwordGuy            OMY
noble_goal               OMY

dragoncar

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Re: Target FIRE: 2017
« Reply #574 on: January 09, 2017, 07:27:08 AM »
Started quietly moving stuff out of my office.  Mostly personal stuff in drawers so it won't be obvious I'm clearing out (I've still got diplomas and art hanging on the walls).  It's not like I've been there decades, but the the junk certainly accumulates over the years.

rahby1us

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Re: Target FIRE: 2017
« Reply #575 on: January 09, 2017, 01:45:06 PM »
Changing my date from Jan 31 to June-ish as 1) layoffs seem imminent and I'm hellbent on getting picked 2) if layoffs don't occur in time, i'll bounce in June when bonuses are dist. Can hardly wait... but i guess i will for a price

Threshkin                Oct 31st, 2016 Confirmed
Metta            (at 55) January 1, 2017 Confirmed
MrsWhipple       (at 32) January 1, 2017 Confirmed
MsGreenStash     (at 51) January 1, 2017
FIRE me                  January 3, 2017 Confirmed
FrugalAussie             January 4, 2017 Confirmed
Zineth           (at 49) January 27, 2017 Confirmed
MarciaB          (at 55) January 31, 2017
mf3333           (at 56) January 31, 2017
dragoncar                March 1, 2017
easypeasy        (at 35) March 15, 2017   
Myhotrs          (at 38) March 31, 2017   
oblivion                 March 31, 2017
John Doe                 April 1, 2017
Daisy            (at 48) April 28, 2017
MandyM           (at 38) May 1, 2017     
Mrs. Pomodoro            May 1, 2017
Remote_Landlord  (at 39) May 8, 2017
Penguin159               May 12, 2017
Rachael          (at 42) May 21, 2017
BNgarden         (at 58) May 24, 2017
RedmondStash             May 31, 2017
Jack06           (at 42) June 1, 2017     
Fairviewite      (at 27) June 1, 2017
Romag                    June 1, 2017
Cottonswab       (at 30) June 1, 2017
Financial Asc.   (at 39) June 1, 2017
rahby1us                 June, 2017
Zephyr911        (at 38) Summer 2017?
Charlie Foxtrot  (at 41) July 1, 2017
Bigchrisb        (at 35) July 3, 2017
Freedom17        (at 38) July 28, 2017
UnleashHell              July 28, 2017
Cookie78         (at 39) August 3, 2017
MonkeyJenga      (at 31) Summer/Fall 2017
SashaFiscal      (at 41) December 1, 2017   
Jim2001                  December 31, 2017
SwordGuy         (at 59) OMY
Mrs. SwordGuy            OMY
noble_goal               OMY

JoJo

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Re: Target FIRE: 2017
« Reply #576 on: January 09, 2017, 04:51:13 PM »
Apparently I got scratched off the list as my date was fluctuating.  I started a new position in September and mostly like it.  Sometimes I lose patience with corporate BS.  Anyways, there are some huge expense cutting going on for the next 2 years and told people at my level & above will get no raises this year.  I offered to my boss (the CEO) that I'd be willing to go "part time" but for me that means taking a 25% pay reduction and then taking 2 long vacations (6 weeks to use up my PTO in May & then 3 months later in the year).  I did NOT mention that retirement may be pending.  I still haven't heard what her decision is.  If the leave is vetoed I will give my notice in May and out in July.  I will be 44 if I retire in July.
 According to my spreadsheet I'm at a 1.79% withdrawal rate pre-tax and 2.03% after tax, excluding SS and 2 frozen pensions (about $800 starting at age 65) but I'm still curious what will happen to health care.  I've been very lucky with health so far.

SwordGuy

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Re: Target FIRE: 2017
« Reply #577 on: January 09, 2017, 07:40:11 PM »
Added Jojo for July or thereabouts.

(Note to folks copying and editing, try to leave the [ font ] tag surrounding the text.  It helps things line up. :)  I


Threshkin                Oct 31st, 2016 Confirmed
Metta            (at 55) January 1, 2017 Confirmed
MrsWhipple       (at 32) January 1, 2017 Confirmed
MsGreenStash     (at 51) January 1, 2017
FIRE me                  January 3, 2017 Confirmed
FrugalAussie             January 4, 2017 Confirmed
Zineth           (at 49) January 27, 2017 Confirmed
MarciaB          (at 55) January 31, 2017
mf3333           (at 56) January 31, 2017
dragoncar                March 1, 2017
easypeasy        (at 35) March 15, 2017   
Myhotrs          (at 38) March 31, 2017   
oblivion                 March 31, 2017
John Doe                 April 1, 2017
Daisy            (at 48) April 28, 2017
MandyM           (at 38) May 1, 2017     
Mrs. Pomodoro            May 1, 2017
Remote_Landlord  (at 39) May 8, 2017
Penguin159               May 12, 2017
Rachael          (at 42) May 21, 2017
BNgarden         (at 58) May 24, 2017
RedmondStash             May 31, 2017
Jack06           (at 42) June 1, 2017     
Fairviewite      (at 27) June 1, 2017
Romag                    June 1, 2017
Cottonswab       (at 30) June 1, 2017
Financial Asc.   (at 39) June 1, 2017
rahby1us                 June, 2017
Zephyr911        (at 38) Summer 2017?
Charlie Foxtrot  (at 41) July 1, 2017
Bigchrisb        (at 35) July 3, 2017
Freedom17        (at 38) July 28, 2017
JoJo             (at 44) ~July, 2017
UnleashHell              July 28, 2017
Cookie78         (at 39) August 3, 2017
MonkeyJenga      (at 31) Summer/Fall 2017
SashaFiscal      (at 41) December 1, 2017   
Jim2001                  December 31, 2017
SwordGuy         (at 59) OMY
Mrs. SwordGuy            OMY
noble_goal               OMY


FIRE me

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Re: Target FIRE: 2017
« Reply #578 on: January 09, 2017, 08:55:22 PM »
Added Jojo for July or thereabouts.

(Note to folks copying and editing, try to leave the [ font ] tag surrounding the text.  It helps things line up. :)  I


Threshkin                Oct 31st, 2016 Confirmed
Metta            (at 55) January 1, 2017 Confirmed
MrsWhipple       (at 32) January 1, 2017 Confirmed
MsGreenStash     (at 51) January 1, 2017
FIRE me                  January 3, 2017 Confirmed
FrugalAussie             January 4, 2017 Confirmed
Zineth           (at 49) January 27, 2017 Confirmed
MarciaB          (at 55) January 31, 2017
mf3333           (at 56) January 31, 2017
dragoncar                March 1, 2017
easypeasy        (at 35) March 15, 2017   
Myhotrs          (at 38) March 31, 2017   
oblivion                 March 31, 2017
John Doe                 April 1, 2017
Daisy            (at 48) April 28, 2017
MandyM           (at 38) May 1, 2017     
Mrs. Pomodoro            May 1, 2017
Remote_Landlord  (at 39) May 8, 2017
Penguin159               May 12, 2017
Rachael          (at 42) May 21, 2017
BNgarden         (at 58) May 24, 2017
RedmondStash             May 31, 2017
Jack06           (at 42) June 1, 2017     
Fairviewite      (at 27) June 1, 2017
Romag                    June 1, 2017
Cottonswab       (at 30) June 1, 2017
Financial Asc.   (at 39) June 1, 2017
rahby1us                 June, 2017
Zephyr911        (at 38) Summer 2017?
Charlie Foxtrot  (at 41) July 1, 2017
Bigchrisb        (at 35) July 3, 2017
Freedom17        (at 38) July 28, 2017
JoJo             (at 44) ~July, 2017
UnleashHell              July 28, 2017
Cookie78         (at 39) August 3, 2017
MonkeyJenga      (at 31) Summer/Fall 2017
SashaFiscal      (at 41) December 1, 2017   
Jim2001                  December 31, 2017
SwordGuy         (at 59) OMY
Mrs. SwordGuy            OMY
noble_goal               OMY


Confirmed links fixed. I hope.

dragoncar

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Re: Target FIRE: 2017
« Reply #579 on: January 09, 2017, 09:25:32 PM »
Somehow I got debolded.  Don't forget that I'm bold.

SwordGuy

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Re: Target FIRE: 2017
« Reply #580 on: January 09, 2017, 09:50:38 PM »
Of course you're bold, you're a dragon car!

My understanding was that folks were just bolding the last change (which I forgot to do).

Freedom17

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Re: Target FIRE: 2017
« Reply #581 on: January 09, 2017, 10:09:32 PM »
More alignment.

Quote

Threshkin                Oct 31st, 2016    Confirmed
Metta            (at 55) January 1, 2017   Confirmed
MrsWhipple       (at 32) January 1, 2017   Confirmed
MsGreenStash     (at 51) January 1, 2017
FIRE me                  January 3, 2017   Confirmed
FrugalAussie             January 4, 2017   Confirmed
Zineth           (at 49) January 27, 2017  Confirmed
MarciaB          (at 55) January 31, 2017
mf3333           (at 56) January 31, 2017
dragoncar                March 1, 2017
easypeasy        (at 35) March 15, 2017   
Myhotrs          (at 38) March 31, 2017   
oblivion                 March 31, 2017
John Doe                 April 1, 2017
Daisy            (at 48) April 28, 2017
MandyM           (at 38) May 1, 2017     
Mrs. Pomodoro            May 1, 2017
Remote_Landlord  (at 39) May 8, 2017
Penguin159               May 12, 2017
Rachael          (at 42) May 21, 2017
BNgarden         (at 58) May 24, 2017
RedmondStash             May 31, 2017
Jack06           (at 42) June 1, 2017     
Fairviewite      (at 27) June 1, 2017
Romag                    June 1, 2017
Cottonswab       (at 30) June 1, 2017
Financial Asc.   (at 39) June 1, 2017
rahby1us                 June, 2017
Zephyr911        (at 38) Summer 2017
Charlie Foxtrot  (at 41) July 1, 2017
Bigchrisb        (at 35) July 3, 2017
Freedom17        (at 38) July 28, 2017
JoJo             (at 44) July, 2017
UnleashHell              July 28, 2017
Cookie78         (at 39) August 3, 2017
MonkeyJenga      (at 31) Fall 2017
SashaFiscal      (at 41) December 1, 2017   
Jim2001                  December 31, 2017
SwordGuy         (at 59) OMY
Mrs. SwordGuy            OMY
noble_goal               OMY

« Last Edit: January 09, 2017, 10:12:17 PM by Freedom17 »

SachaFiscal

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Re: Target FIRE: 2017
« Reply #582 on: January 10, 2017, 05:15:05 PM »
@Metta, it sounds like you were quite critical to your employer.  How did you tell them you wanted to retire and how did they take it?

Welcome SaschaFiscal!

I told my management June or July of 2015 with the hope that this would galvanize them into supporting the retirement of my application (which they had been paying lip service to for about 5 years). Before I ended up with a new manager, I warned her that she may not want me because I was retiring in November, 2016. She had me re-orged under her anyway because she thought I would change my mind if I were exposed to her lovely personality (and she is a lovely person). And I did change my mind. I moved my retirement date to January 1, 2017.

For the last year and a half people have been delusional on this, with most sure that i would change my mind. And, in fact, during my last week two people suggested that I would change my mind at the end. I kept saying "I've eaten the retirement cake. There's no turning back now." But it didn't matter because in their narrative these were the facts:

1) Metta is too young to retire
2) She can't possibly have enough money to retire
3) They need Metta and she is a nice person who wouldn't abandon the work group.

On my last day this was replaced with a new narrative:

  -- Metta will be back as a consultant because <see reasons 1-3 above>

Denial. It's not just a river in Egypt.

Thanks for replying with your story. I am debating when to tell people at work I will be leaving.
I really don't want to deal with all the questions but I guess that is just a part of this experience and will have to deal with it.

dragoncar

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Re: Target FIRE: 2017
« Reply #583 on: January 10, 2017, 05:17:40 PM »
Of course you're bold, you're a dragon car!

My understanding was that folks were just bolding the last change (which I forgot to do).

Yeah, that's why I did it, but somehow it persisted for a while so I got excited

Mrs. Pomodoro

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Re: Target FIRE: 2017
« Reply #584 on: January 10, 2017, 06:26:07 PM »
Started quietly moving stuff out of my office.  Mostly personal stuff in drawers so it won't be obvious I'm clearing out (I've still got diplomas and art hanging on the walls).  It's not like I've been there decades, but the the junk certainly accumulates over the years.

I did the same thing the day before the Christmas shutdown since pretty much no one was here. There is less than a box of personal stuff left in my office now, mostly just photos on my cube wall, my mug, and tea. Have you given notice yet? I was planning on doing that in mid-April after my RSUs vested but I care less and less now and just want to get it over with!

Mrs. Pomodoro

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Re: Target FIRE: 2017
« Reply #585 on: January 10, 2017, 06:55:46 PM »
Updated my status. I started working part-time this year (4 days a week) and I still plan on leaving for good by the end of April though I think about giving notice all the time. I started working on a side project during the Christmas break, enjoyed it so much and now I'm thinking I should just switch gear to follow that path. Isn't that what FIRE is about, to be able to follow your interest without worrying about money? Haven't finalized what I'm going to do yet but at least I have longs weekends every week for now. :)

Quote

Threshkin                Oct 31st, 2016    Confirmed
Metta            (at 55) January 1, 2017   Confirmed
MrsWhipple       (at 32) January 1, 2017   Confirmed
MsGreenStash     (at 51) January 1, 2017
FIRE me                  January 3, 2017   Confirmed
FrugalAussie             January 4, 2017   Confirmed
Zineth           (at 49) January 27, 2017  Confirmed
MarciaB          (at 55) January 31, 2017
mf3333           (at 56) January 31, 2017
dragoncar                March 1, 2017
easypeasy        (at 35) March 15, 2017   
Myhotrs          (at 38) March 31, 2017   
oblivion                 March 31, 2017
John Doe                 April 1, 2017
Daisy            (at 48) April 28, 2017
MandyM           (at 38) May 1, 2017     
Mrs. Pomodoro    (at 43) May 1, 2017       Going part time
Remote_Landlord  (at 39) May 8, 2017
Penguin159               May 12, 2017
Rachael          (at 42) May 21, 2017
BNgarden         (at 58) May 24, 2017
RedmondStash             May 31, 2017
Jack06           (at 42) June 1, 2017     
Fairviewite      (at 27) June 1, 2017
Romag                    June 1, 2017
Cottonswab       (at 30) June 1, 2017
Financial Asc.   (at 39) June 1, 2017
rahby1us                 June, 2017
Zephyr911        (at 38) Summer 2017
Charlie Foxtrot  (at 41) July 1, 2017
Bigchrisb        (at 35) July 3, 2017
Freedom17        (at 38) July 28, 2017
JoJo             (at 44) July, 2017
UnleashHell              July 28, 2017
Cookie78         (at 39) August 3, 2017
MonkeyJenga      (at 31) Fall 2017
SashaFiscal      (at 41) December 1, 2017   
Jim2001                  December 31, 2017
SwordGuy         (at 59) OMY
Mrs. SwordGuy            OMY
noble_goal               OMY

« Last Edit: January 10, 2017, 06:58:55 PM by Mrs. Pomodoro »

SachaFiscal

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Re: Target FIRE: 2017
« Reply #586 on: January 10, 2017, 07:44:13 PM »
Started quietly moving stuff out of my office.  Mostly personal stuff in drawers so it won't be obvious I'm clearing out (I've still got diplomas and art hanging on the walls).  It's not like I've been there decades, but the the junk certainly accumulates over the years.

I did the same thing the day before the Christmas shutdown since pretty much no one was here. There is less than a box of personal stuff left in my office now, mostly just photos on my cube wall, my mug, and tea. Have you given notice yet? I was planning on doing that in mid-April after my RSUs vested but I care less and less now and just want to get it over with!

I started doing this too! Right before our company shutdown for the Holidays, I started taking some stuff home with me every night. I just liked the feeling that I could put my remaining belongings in my purse and leave right then and there if I wanted to. One of my co-workers caught me with a framed picture and asked me "You're not leaving, are you?". I almost said yes but chickened out and just said I was taking it home to hang up there.

I'm in the same boat, waiting until after my RSUs vest in November but feeling the itch to leave sooner. It seems less and less worth it each day I go into work though.

dragoncar

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Re: Target FIRE: 2017
« Reply #587 on: January 10, 2017, 08:55:16 PM »
Started quietly moving stuff out of my office.  Mostly personal stuff in drawers so it won't be obvious I'm clearing out (I've still got diplomas and art hanging on the walls).  It's not like I've been there decades, but the the junk certainly accumulates over the years.

I did the same thing the day before the Christmas shutdown since pretty much no one was here. There is less than a box of personal stuff left in my office now, mostly just photos on my cube wall, my mug, and tea. Have you given notice yet? I was planning on doing that in mid-April after my RSUs vested but I care less and less now and just want to get it over with!

I started doing this too! Right before our company shutdown for the Holidays, I started taking some stuff home with me every night. I just liked the feeling that I could put my remaining belongings in my purse and leave right then and there if I wanted to. One of my co-workers caught me with a framed picture and asked me "You're not leaving, are you?". I almost said yes but chickened out and just said I was taking it home to hang up there.

I'm in the same boat, waiting until after my RSUs vest in November but feeling the itch to leave sooner. It seems less and less worth it each day I go into work though.

Aw man, I wish I had RSUs to vest!  I had some 401k vesting, but it happened long ago.  Now I'm just waiting to stuff my 401k and it's done. 

myhotrs

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Re: Target FIRE: 2017
« Reply #588 on: January 10, 2017, 09:05:06 PM »
Uhh, this is taking so long... I haven't been to work since Thursday and it still sucks. This is like three days before summer break.

UnleashHell

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Re: Target FIRE: 2017
« Reply #589 on: January 11, 2017, 05:53:08 AM »
bonus time is march. fully vested in the 401k is 1st April. my earnings per week are at the max from now until april. then i think i may just suggest to my boss that we look at a training schedule to get the hell out.

so all things go to plan then its earlier than july 28th for me - but i'm not changing that date yet.... yet...

and who let the monkey in here??

your quit date is after me MJ.. i'm calling that a fail :D

Mrs. Pomodoro

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Re: Target FIRE: 2017
« Reply #590 on: January 11, 2017, 02:29:07 PM »
I'm in the same boat, waiting until after my RSUs vest in November but feeling the itch to leave sooner. It seems less and less worth it each day I go into work though.

Totally feel the same way. I actually have another lot of RSUs vesting in October but I've already given that up. I don't even know if I can last 'till mid-April! My one friend at work who knows my plan said he'll hang in there with me for the next 3 months, so hopefully he can stop me from barging into my boss' office when I'm feeling weak...

Mrs. Pomodoro

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Re: Target FIRE: 2017
« Reply #591 on: January 11, 2017, 03:49:53 PM »
Aw man, I wish I had RSUs to vest!  I had some 401k vesting, but it happened long ago.  Now I'm just waiting to stuff my 401k and it's done.

They're called golden handcuffs for good reasons, especially when close to FIRE. The amount's not life changing, but enough to make me consider selling my soul for a few more months... (It's X months of living expenses; it's Y months of mortgage payments!) I have another batch vesting in October but it's not worth staying through the stressful summer cycle and performance review for.

Thanks for the reminder of stuffing up 401k. Now I have another reason to stay 'till April.

Mrs. Pomodoro

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Re: Target FIRE: 2017
« Reply #592 on: January 11, 2017, 03:53:41 PM »
Uhh, this is taking so long... I haven't been to work since Thursday and it still sucks. This is like three days before summer break.

I had enough after 3 days of work last week. Guess working part-time only helps so much...

dragoncar

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Re: Target FIRE: 2017
« Reply #593 on: January 11, 2017, 04:51:08 PM »
Uhh, this is taking so long... I haven't been to work since Thursday and it still sucks. This is like three days before summer break.

I had enough after 3 days of work last week. Guess working part-time only helps so much...

Yeah, I was hoping I could go half time and work indefinitely, but no it just made the days I had to go in even worse

UnleashHell

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  • Chapter IV - A New ... er.. something
Re: Target FIRE: 2017
« Reply #594 on: January 12, 2017, 05:17:59 AM »
bonus time is march. fully vested in the 401k is 1st April. my earnings per week are at the max from now until april. then i think i may just suggest to my boss that we look at a training schedule to get the hell out.

so all things go to plan then its earlier than july 28th for me - but i'm not changing that date yet.... yet...

and who let the monkey in here??

your quit date is after me MJ.. i'm calling that a fail :D

Monkeys let themselves in. That's the benefit of opposable thumbs.

You Brits have so little left, I'll graciously give you the earlier quit date.

gracious? who are you and what have you done with MJ?
welcome to the 2017 quit thread though. do you have a plan for food scavenging when you quit work? I mean they say you have to retire to something. could be your thing...... :D

SachaFiscal

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Re: Target FIRE: 2017
« Reply #595 on: January 12, 2017, 06:35:08 AM »
Aw man, I wish I had RSUs to vest!  I had some 401k vesting, but it happened long ago.  Now I'm just waiting to stuff my 401k and it's done.

They're called golden handcuffs for good reasons, especially when close to FIRE. The amount's not life changing, but enough to make me consider selling my soul for a few more months... (It's X months of living expenses; it's Y months of mortgage payments!) I have another batch vesting in October but it's not worth staying through the stressful summer cycle and performance review for.

Thanks for the reminder of stuffing up 401k. Now I have another reason to stay 'till April.

If you give notice on April 1, no one will believe you :-)

I upped my 401k percentage to 75% right before the beginning of the year. It was fun to see my first paycheck and how much went to me instead of taxes. I'm definitely going to wait at least until my 401k maxes this year, then maybe I'll stay until RSUs vest or get out sooner if I feel that it is the right time.

FIRE me

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Re: Target FIRE: 2017
« Reply #596 on: January 12, 2017, 08:42:00 AM »
Hey guys, after you pull the plug, don't forget to call your insurance company. Assuming you drive to work, once you don't, your rate should drop.

I was already low miles at under 5,000 annual (I live 7.5 miles from my former employer) so my savings are probably less than average.

I just got off the phone with my insurance company, and my premium (liability only) just dropped $118 per year.

Cottonswab

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Re: Target FIRE: 2017
« Reply #597 on: January 12, 2017, 11:49:12 AM »
Stick a fork in me...  I am almost done.  My official retirement date is now set!


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Retirement date moved up from June 1 to March 1!
« Last Edit: January 12, 2017, 11:51:06 AM by Cottonswab »

SachaFiscal

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Re: Target FIRE: 2017
« Reply #598 on: January 12, 2017, 02:47:40 PM »
@Cottonswab.. wow March is not very far away! You must be feeling pretty good :-)

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Re: Target FIRE: 2017
« Reply #599 on: January 12, 2017, 04:45:33 PM »
Hey guys, after you pull the plug, don't forget to call your insurance company. Assuming you drive to work, once you don't, your rate should drop.

I was already low miles at under 5,000 annual (I live 7.5 miles from my former employer) so my savings are probably less than average.

I just got off the phone with my insurance company, and my premium (liability only) just dropped $118 per year.

Interesting.  My commute is only 2 miles and change, but it's at least worth a try.