Author Topic: 2018 FIRE cohort  (Read 75637 times)

Kris

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2018 FIRE cohort
« on: April 04, 2015, 07:04:24 PM »
So, following from the other post, wondering how many of you (like me) have 2018 as your FIRE date.  Us, we're looking at June 2018. You?
Please note: Libertarian4321 did not vote for either Hillary or Trump. He voted for Gary Johnson, who was the Libertarian candidate.

Aussiegirl

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Re: 2018 FIRE cohort
« Reply #1 on: April 05, 2015, 01:56:18 AM »
We've got 2018 as our FIRE date, maybe July.  Just have to get a few plans in place, new out of the city abode to finished renovating, slim down expenses etc to make sure we can confidently live on our post-FIRE income.   We're probably over analyzing the "do we have enough" and could go a year earlier, its just that neither of us want to be destitute in our old age!   Financial security is very important to us. 

NearlyThere

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Re: 2018 FIRE cohort
« Reply #2 on: April 05, 2015, 04:21:03 AM »
I've got EARLY 2018 marked for FI. Won't RE at that point but I'm happy with the knowledge I'll be completely financially secure.

One major factor that might adjust this is the markets. I have an opportunity to pull the money from my currently paid off mortgage to invest when required (Offset Mortgage here in the UK). On a substantial market drop, I'll plough almost all of this in to the market. It would make up in cash value approx 30% of my FI amount. So any gains would massively benefit our FI goals

happy

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Re: 2018 FIRE cohort
« Reply #3 on: April 05, 2015, 05:20:57 AM »
I have FIREarlier ( not early!) in Oct 2018. I doubt it will be any earlier. At that point I'm hoping to take 8- 9 months long service leave on half pay, then all being well, resign.
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Bateaux

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Re: 2018 FIRE cohort
« Reply #4 on: April 05, 2015, 06:23:11 AM »
I have March 2018 set as my current FIRE date.  Have so much to get done by then.  Saving the money was the easy part.  The transition to drawing down the funds has me a little overwhelmed.
Also helping my young adult children into the working world.  Since I want to live on a boat, we have to sell our house and most of our stuff.  We also have to sign up for Obama Care if it still exists.  We need to watch the politics of the ACA.  Healthcare is a major roadblock to retirement.
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Gimesalot

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Re: 2018 FIRE cohort
« Reply #5 on: April 05, 2015, 11:59:00 AM »
We have early 2018 planned for down-shifting and mid to late 2018 for full RE. 

As someone else mentioned, I also am trying to wrap my head around the switch from saving to withdrawing.

dividendman

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Re: 2018 FIRE cohort
« Reply #6 on: April 05, 2015, 12:08:36 PM »
My original 10 year plan, when I was 25 and was in debt, was to FIRE at 35 - meaning 2017 in the summer. But I wanted a $1 M back then, so I adjusted it to 2018 summer using some projections. I am thinking of pulling the trigger earlier now though.

I should be FI (pay for all my expenses, but NOT living in Silicon valley, with 4% rule) in the next 6-12 months. I don't think I will be able to stick out my job when I'm FI for very long. Even now, with a pretty big stash for a single guy (~500K), I have zero motivation at my current gig and slogging it to work every day is killing my soul.

Kris

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Re: 2018 FIRE cohort
« Reply #7 on: April 05, 2015, 12:19:48 PM »
We have early 2018 planned for down-shifting and mid to late 2018 for full RE. 

As someone else mentioned, I also am trying to wrap my head around the switch from saving to withdrawing.

Yeah, me, too. We're planning to move abroad, as well.  So I go between feeling pretty okay and "on top" of things, to freaking out completely.  So much to think about: How to "scaffold" our different savings/investment accounts, how to access them, tax implications, thinking about residency, etc.  It can get so incredibly overwhelming to think about.
Please note: Libertarian4321 did not vote for either Hillary or Trump. He voted for Gary Johnson, who was the Libertarian candidate.

HappyMargo

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Re: 2018 FIRE cohort
« Reply #8 on: April 05, 2015, 01:43:59 PM »
My original plan took me to my birthday in Fall of 2017.

But that takes me right up to our "busy season" that runs about September thru February...
So I was thinking I'd stick around to really make a final push of big savings, then use the start of 2018 to front-load my 401k to maximum.  Then FIRE in Springtime as the weather turns nice & I'll be dying to be outdoors!

Guess, that's a long way of saying, "I'm in for 2018!"
Enjoying the journey (& bike ride!) to FIRE.

Aussiegirl

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Re: 2018 FIRE cohort
« Reply #9 on: April 05, 2015, 02:09:49 PM »
I have zero motivation at my current gig and slogging it to work every day is killing my soul.

I hear you on this one!!

davisgang90

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Re: 2018 FIRE cohort
« Reply #10 on: April 05, 2015, 02:15:55 PM »
July 2018 for us!  I will retire from the Navy and we move out of DC!
Check out my blog.  Early retirement from a military perspective.

http://chartprepping.com

Prepube

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Re: 2018 FIRE cohort
« Reply #11 on: April 05, 2015, 03:07:53 PM »
1/1/18

Unless good stuff happens to my portfolio, which would move it up.  Just give me one year of double digit returns, and I am out of here.  Not worried in the least about changing the mindset to withdrawal from savings.  There's 143 weeks, 9 hours left before that date, not that I am counting or anything.  Plenty of time to figure it out...

happy

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Re: 2018 FIRE cohort
« Reply #12 on: April 05, 2015, 04:35:06 PM »
Quote
Then FIRE in Springtime as the weather turns nice & I'll be dying to be outdoors!]Then FIRE in Springtime as the weather turns nice & I'll be dying to be outdoors![

Thats the reason for my choice of October also; I'm in the southern hemisphere.

edit: fix typo
« Last Edit: April 06, 2015, 05:22:00 AM by happy »
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Irishtache

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Re: 2018 FIRE cohort
« Reply #13 on: April 06, 2015, 03:05:07 AM »
In October, 2018, I will reach 40 years service. However, I will still be 2 years short of the minimum retirement age unless I choose a reduced pension. I am seriously considering retiring in June, 2016 under a deal which would give me similar pension to that I would receive in October, 2017! Both 2016 and 2017 might be too soon on account of mortgage debt and negative equity on rental house. I am still optimistic about 2018.

gooki

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Re: 2018 FIRE cohort
« Reply #14 on: April 06, 2015, 04:05:49 AM »
I'm penciled in for April 2018.
Follow me on my journey to FI.

ZiziPB

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Re: 2018 FIRE cohort
« Reply #15 on: April 06, 2015, 05:44:49 AM »
April 1, 2018 is my date.  I am moving abroad after I retire (returning to my home country where my family lives).  Technically, I'm FI already if I moved to a LCOL place and could probably pull the trigger sooner, but I am very conservative and do not feel comfortable at the bare minimum.  There are various non-monetary considerations as well.



Gimesalot

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Re: 2018 FIRE cohort
« Reply #16 on: April 06, 2015, 07:32:02 AM »


Yeah, me, too. We're planning to move abroad, as well.  So I go between feeling pretty okay and "on top" of things, to freaking out completely.  So much to think about: How to "scaffold" our different savings/investment accounts, how to access them, tax implications, thinking about residency, etc.  It can get so incredibly overwhelming to think about.
[/quote]

Part of the downshift is to move to a state without income tax.  We are still trying to figure out if we want to go to Houston, Texas so I can keep working for the same company, just part time, or if we want to move to Washington and "figure it out when we get there."

I have been working on a to-do list of residency items.  It is soooo long.  I hope 6-months is enough to get it all done.

Retire-Canada

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Re: 2018 FIRE cohort
« Reply #17 on: April 06, 2015, 07:43:08 AM »
So, following from the other post, wondering how many of you (like me) have 2018 as your FIRE date.  Us, we're looking at June 2018. You?

I hope so. It really depends on the markets and how my investments do. They are earning more per year than my additions so the rate of return I get has a huge impact on my plans.

I'm also going to downshift and earn less so my additions will lessen each year.

Ultimately my plan is too dependent on the markets to be certain of a FIRE year. OTOH I will for sure get more and more time off to do what I love starting next week with Fridays off.

Good luck to everyone who's shooting for 2018.

-- Vik

Cougar

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Re: 2018 FIRE cohort
« Reply #18 on: April 06, 2015, 08:23:33 AM »
So, following from the other post, wondering how many of you (like me) have 2018 as your FIRE date.  Us, we're looking at June 2018. You?

I hope so. It really depends on the markets and how my investments do. They are earning more per year than my additions so the rate of return I get has a huge impact on my plans.


-- Vik

2nd that.

2018 is likely if the markets will do a nice and easy 7%, but that would make it the longest bull run in history; so i'm not optimistic on 2018.

Retire-Canada

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Re: 2018 FIRE cohort
« Reply #19 on: April 06, 2015, 08:26:42 AM »

2018 is likely if the markets will do a nice and easy 7%, but that would make it the longest bull run in history; so i'm not optimistic on 2018.

That is my concern as well and if we get a correction I may even work a bit more so I can add fresh $$ to my investments while they are priced lower.

The thing that is making me feel good about FIRE is not having a specific date, but having a robust plan that can deal with pretty much any outcome short of zombie apocalypse. ;)

-- Vik

CryingInThePool

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Re: 2018 FIRE cohort
« Reply #20 on: April 06, 2015, 09:21:31 AM »
I've already said that I'm in the class of 2016 since my target RE range is 2016-2018;  so I guess that means I also make the cut for 2018 :) .   I really should be done with work bucket list/OMY Syndrome by 2018...


myhotrs

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Re: 2018 FIRE cohort
« Reply #21 on: April 06, 2015, 02:58:03 PM »
Planning on March-April 2018 (bonuses and profit sharing hit in March) if all goes well. Too far away to be real, but close enough that I want to tell my employer to go %$#%# themselves every Monday.
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zinethstache

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Re: 2018 FIRE cohort
« Reply #22 on: April 06, 2015, 03:05:44 PM »
The latest I plan to FIRE is two weeks into Jan 2018 so I can get my bonus...now, that is the absolute latest I will OMY. This is my first OMY year because magically all my numbers point to me being fully FI NOW. Ack... Im not ready for it yet...

DH who is only mostly on board with MMM, wants me to work until 55, double ack. He retired in 2011, wouldn't you think he'd want me to join him asap? He's got OMY worse than I have!

A job is a very big thing to let go of. I actually like my career and am paid very well for it so it could be much worse.

Cherry Lane

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Re: 2018 FIRE cohort
« Reply #23 on: April 06, 2015, 06:29:31 PM »
Planning on March-April 2018 (bonuses and profit sharing hit in March) if all goes well. Too far away to be real, but close enough that I want to tell my employer to go %$#%# themselves every Monday.

This is me, too! (except that profit sharing thing)  Three years seems like a really long time to keep working, but I think I have to.  My earliest exit would be July, 2017, but will more likely be early 2018.

2lazy2retire

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Re: 2018 FIRE cohort
« Reply #24 on: April 07, 2015, 09:16:52 AM »
Planning on March-April 2018 (bonuses and profit sharing hit in March) if all goes well. Too far away to be real, but close enough that I want to tell my employer to go %$#%# themselves every Monday.

Same here, including the Monday morning feeling

Numbers Man

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Re: 2018 FIRE cohort
« Reply #25 on: April 07, 2015, 09:24:08 AM »
Spring to Summer of 2018 is my target right after we close on selling the McMansion.

brooklynguy

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Re: 2018 FIRE cohort
« Reply #26 on: April 07, 2015, 11:28:27 AM »
I'm targeting 2018 too.

To the various posters above who are rooting for continued high market returns:  keep in mind that for as long as you choose to remain in the accumulation phase, poor market returns are your friend.

If the market continues to defy gravity and powers my portfolio to "my number" before 2018, I will probably keep working until then anyway.  I can already feel the first pangs of early-onset OMY syndrome...

CanuckExpat

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Re: 2018 FIRE cohort
« Reply #27 on: April 07, 2015, 02:46:31 PM »
My wife and I are targeting 35, kind of arbitrary, but we like round numbers. The only thing is we never really specified if it's when she turns 35, or I do. There are about four months in 2018 when we are both 35, so I guess somewhere in first quarter of 2018 it is :)

(Is there a thread for 2017 cohort as well? My searching failed me)

Our actual timing of being FI or not and if we meet that goal for ER depends on a lot of things including if we move or not, how markets do, how much kids actually end up costing, or one/both of us stops working full time before that date.

But for now, count us in :)

Where's the party in 2018?
« Last Edit: April 08, 2015, 09:34:29 AM by CanuckExpat »
Was targetting Freedom35 but ended up retiring a couple years early. Currently Based in Buffalo for the summer.

Kris

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Re: 2018 FIRE cohort
« Reply #28 on: April 07, 2015, 07:03:15 PM »
I just found out today that we'll have to move our FIRE date back by three months, to November 2018 in order for my husband to be eligible for his (small, but still useful) pension from his job.  Can't leave money on the table!  At least it didn't kick us out of the 2018 cohort! 

Please note: Libertarian4321 did not vote for either Hillary or Trump. He voted for Gary Johnson, who was the Libertarian candidate.

Lian

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Re: 2018 FIRE cohort
« Reply #29 on: April 16, 2015, 08:16:57 PM »
I'm planning on mid-2018, depending on how the investments do. I can see maybe pushing it to 2019, though that will depend on how I'm feeling about my job.

Wile E. Coyote

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Re: 2018 FIRE cohort
« Reply #30 on: April 16, 2015, 08:27:01 PM »
I have October 2018 as my date at the moment, but am thinking of maybe moving it up to early 2018, maxing 401(k) and pulling the plug. Either way, I'm in!😃

Bateaux

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Re: 2018 FIRE cohort
« Reply #31 on: April 17, 2015, 01:21:35 AM »
2018!
« Last Edit: April 17, 2015, 01:24:25 AM by Bateauxdriver »
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Cherry Lane

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Re: 2018 FIRE cohort
« Reply #32 on: April 17, 2015, 06:29:12 AM »
I have October 2018 as my date at the moment, but am thinking of maybe moving it up to early 2018, maxing 401(k) and pulling the plug. Either way, I'm in!😃
This is why I'm in 2018 instead of 2017.  I'll stay long enough into 2018 to max all the tax-deferred contributions.

Mississippi Mudstache

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Re: 2018 FIRE cohort
« Reply #33 on: April 17, 2015, 09:16:29 AM »
I don't have a FIRE date planned yet, but I just wanted to say that it makes me happy that someone else uses the word "cohort".
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RetireAbroadAt35

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Re: 2018 FIRE cohort
« Reply #34 on: April 17, 2015, 10:44:22 AM »
May of 2018 by my most likely projection.  I don't know if I'll make it that long.

Possible alternate plans:

1) Leave early and take a lower paying job, ultimately working longer but with better balance
2) Quit and take a sabbatical, going back to full-time work when I'm recharged.  I've done this before.
3) Retire to a low COL country ... I could do that today.  Arg.


Bateaux

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Re: 2018 FIRE cohort
« Reply #35 on: April 19, 2015, 10:45:26 AM »
Depends on the market, the 2016 election results and just how much more bullshit I get from work.  I may be looking at March 2017 now.  $10,000 paper loss in the market on Friday.   Discouraging yes but it was a less than 1% loss. Will I handle a 100k or 200k loss and not postpone FIRE?  Well shall see. It's much easier to think about FIRE in this bull market.
“Perfection is achieved, not when there is nothing more to add, but when there is nothing left to take away.”
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dividendman

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Re: 2018 FIRE cohort
« Reply #36 on: April 19, 2015, 11:04:31 AM »
Bwa? It depends on election results? Why?

Sofa King

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Re: 2018 FIRE cohort
« Reply #37 on: April 19, 2015, 01:36:41 PM »
March 2018. But it could also happen near the end of 2017.

NICE!

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Re: 2018 FIRE cohort
« Reply #38 on: April 19, 2015, 02:06:15 PM »
Shoot, it looks like our FI date is 2019. If the market goes insane or DW gets a high salary job, we may be in the 2018 camp.

You know what, screw it. It is better to have a stretch goal than a goal that isn't too difficult to obtain. Put me down for '18, but don't be surprised if it is '19 or '20.

Calvin

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Re: 2018 FIRE cohort
« Reply #39 on: April 19, 2015, 02:40:00 PM »
I'll join this. My tentative FIRE date is March/April 2018. That's if I just work straight until then. I do have some other options I'm considering:

- If I get a successful side business up, I might quit a year earlier to travel for an extended period.
- If I get into a better position at work so that I'm doing stuff I really enjoy, I'll probably try to request part time instead of quitting.

Right now, the name of the game is to just be patient I guess, while also continuing to interview for other internal positions.

Roadhog

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Re: 2018 FIRE cohort
« Reply #40 on: April 19, 2015, 03:38:01 PM »
As of today, the goal is October 2017.   Hope it doesnn't push into 2018!

MandyM

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Re: 2018 FIRE cohort
« Reply #41 on: September 16, 2015, 11:58:17 AM »
I will likely consider myself FI towards the end of 2017, but delay pulling the plug until early 2018. If work got unbearable, I would walk in 2016 and pick up some side work, which is what I was originally planning. Due to some staffing changes in the last year, I find my job fairly enjoyable these days and have pushed out RE until I would no longer need any PT to get through.
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Re: 2018 FIRE cohort
« Reply #42 on: September 18, 2015, 09:12:16 AM »
I turn 40 in the summer of 2018. Stretch goal is to retire before I turn 40. There are hundreds of variables, the biggest being a high level of family monthly/annual expenses. If I can manage to reign in expenses over the next three years it would be easy to reach this goal. As it stands now, it's a longshot.

But I'm in for now. Memorial day (5/28) week seems like as good a time as any, so I'm setting the goal post at 6/1/18. That means I need to give notice on 5/18/18. That's 32 months from today. I likely wouldn't be officially FI yet by then, but I plan to retire first, then get rich.
Indecision may or may not be my problem.

myhotrs

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Re: 2018 FIRE cohort
« Reply #43 on: September 19, 2015, 11:24:12 PM »
Thats awesome Cheddar, I'll be 39 in 2018 and very much want the "before 40" thing. You'll do it too. The closer it gets the more real and exciting it'll become and progress will surprise you. I'm way ahead of where I thought I'd be now and the wife is much more onboard the last few months and is actively attacking expenses. I'm even thinking I might sneak into 2017, its very exciting.
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ozbeach

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Re: 2018 FIRE cohort
« Reply #44 on: September 19, 2015, 11:51:18 PM »
I have FIREarlier ( not early!) in Oct 2018. I doubt it will be any earlier. At that point I'm hoping to take 8- 9 months long service leave on half pay, then all being well, resign.

Hey Happy - we seem to have almost the same plan. I'm down for the class of 2016 on the basis that I'll be taking long service leave at the end of next year for twelve months and, like you, all being well, resign. But I'm open to being swayed by OMY -- I may go back (and if so probably part time) for a year which would take me nicely up to my 55th birthday which, way way back when I was 17 and started work was the age that "everyone" retired.  So, I'm in this thread too now so I can follow along just in case!
Late to FI; but better late than never!

happy

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Re: 2018 FIRE cohort
« Reply #45 on: September 20, 2015, 02:55:51 AM »
Hi Ozbeach, I think I might have commented on our similar plans somewhere else. October suits me coz it will give me the summer off ( I live on the coast), and its optimal tax wise. I won't resign, but I've promised myself I'll be out at 60 which happens during the LSL period. It will take some major financial calamity for me to keep going, although I occasionally think I'll work July to October after the leave, which would give me another years expenses.

60 is pretty late on these boards but I really only got the idea of earlier retirement  at the beginning of 2012, I thought I'd be going til 67. Better late than never :)
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Monkey Uncle

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Re: 2018 FIRE cohort
« Reply #46 on: September 20, 2015, 04:31:09 AM »
Tentatively planning on the end of December 2018.  That will allow me to get paid for all the extra annual leave I accumulate in 2018, but can't carry over to 2019.  I can carry 240 hrs from one year to the next.  If I start 2018 with the max 240 carryover and don't use any annual leave that year, I'll have 422 hours when I bail at the end of the year.  That will be an approximately $18,000 severance bonus, vs. around $10,000 if I waited until January 2019.

Of course, this all depends on where the stash stands and what happens to the ACA between now and then.
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ozbeach

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Re: 2018 FIRE cohort
« Reply #47 on: September 20, 2015, 04:34:57 AM »
60 is pretty late on these boards but I really only got the idea of earlier retirement  at the beginning of 2012, I thought I'd be going til 67. Better late than never :)

Couldn't agree more - in fact it's my sig block :)
Late to FI; but better late than never!

Bateaux

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Re: 2018 FIRE cohort
« Reply #48 on: October 13, 2015, 01:17:14 AM »
In just 870 days I will be hiking the AT.  It's all I can think about most days.
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DeSteeg

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Re: 2018 FIRE cohort
« Reply #49 on: October 30, 2015, 12:03:16 PM »
We are planning on FIRE in October/November 2018 and bikepacking SE Asia as our reward. :) Can't freaking wait...