Author Topic: 2018 FIRE cohort  (Read 95985 times)

TartanTallulah

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Re: 2018 FIRE cohort
« Reply #450 on: August 21, 2017, 10:21:48 AM »
That is SO exciting, Itchyfeet! As a 2019er who feels that 2019 is such a long way away, I'm envious.

I saw an ad for what could be quite a fun seasonal side gig yesterday. "I could do that," I said to DH. I was on the verge of saying, "Shall I enquire?" when I remembered that I won't actually be able to do anything like that this summer OR next summer because I'll still be working at my current job.




SwordGuy

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Re: 2018 FIRE cohort
« Reply #451 on: August 22, 2017, 07:35:13 PM »
We're still on target of FIRE in May of 2018.   We're getting closer and closer!

We're already starting to make plans.

We'll start off with a weekend of dancing in the mountains!

Itchyfeet

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Re: 2018 FIRE cohort
« Reply #452 on: August 22, 2017, 09:37:03 PM »
For us, despite my net day dreaming, we will push through the next 4 months before making any firm plans.

If we decide to FIRE next June I will need to tell my boss in my annual review in Feb. At that point there will be no turning back.

TartanTallulah

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Re: 2018 FIRE cohort
« Reply #453 on: August 23, 2017, 04:11:12 AM »
I sent a message to the person doing my next performance review, which isn't till next March, to say that they should approach it as my exit interview. Even in my worst case scenario, by the following March I'll be counting the days till I finish. I'm looking forward to saying, "Nope, keep all your hoops in your bag, I won't be jumping through them on my way to the door."



ZiziPB

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Re: 2018 FIRE cohort
« Reply #454 on: August 23, 2017, 07:46:36 AM »
I'm still on target for spring 2018.  I'm putting my house on the market this week so it's starting to feel real!  Rumor has it that my company will be changing its vacation day policy and will no longer pay out unused vacation time starting in 2018.  So I need to make plans for 2 weeks off this year and another week or two before I quit.  I guess it's a good problem to have :-)



JLTinVA

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Re: 2018 FIRE cohort
« Reply #455 on: August 23, 2017, 07:49:17 AM »
I’m leaving March 2018 as my date for now, but I may be moving to the Class of 2017. DH is in middle management at a large firm and his department is undergoing a big re-org. His boss has all but told him that he won’t have a role in the new department. The “bad” news is that she likes him and has been grooming him for a senior management position. Since she assumes that is what he wants, she is actively trying to find a new spot for him elsewhere. He has told her that he wants to see a severance package before he applies for anything new, to weigh both options, make sure it’s a “good fit” for both parties, etc. etc. etc.

So ”worst case” scenario, they find him something without offering a severance package, and we work until March 2018 as planned.

Best case, they offer a package (based on the stated policy, he’s looking at over 6 months of severance, plus paid health care during the severance period). He stops working, we put our condo on the market (we’re moving to a LCOL area), and I give notice once we have a closing date, hopefully in 2017.

Keep your fingers crossed for a layoff!

Cherry Lane

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Re: 2018 FIRE cohort
« Reply #456 on: August 23, 2017, 01:30:07 PM »
I thought about putting this in the Mustachian People Problems thread, but it's really a "Class of 2018 problem":

Between work travel, vacation days (eclipse viewing), and telework, I'll have been out of the office for two weeks, so I haven't been able to update the FIRE countdown on my desk!

I think I have somewhere between 80 to 90 office days remaining, but I'm not sure.  I'm almost tempted to go to the office to check.

Freshwater

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Re: 2018 FIRE cohort
« Reply #457 on: August 23, 2017, 02:35:20 PM »
I'm still on target for spring 2018.  I'm putting my house on the market this week so it's starting to feel real!  Rumor has it that my company will be changing its vacation day policy and will no longer pay out unused vacation time starting in 2018.  So I need to make plans for 2 weeks off this year and another week or two before I quit.  I guess it's a good problem to have :-)

Can you set your leaving date as two weeks later and take the leave then?

aperture

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Re: 2018 FIRE cohort
« Reply #458 on: August 23, 2017, 08:56:52 PM »
You know your values are warped when...
I think I have somewhere between 80 to 90 office days remaining, but I'm not sure.  I'm almost tempted to go to the office to check.

I can totally relate. I think the thing I will miss most about quitting work is updating my countdown calendar.   I use a spreadsheet and have a page to count office days remaining, another to calculate calendar days until FIRE, one to count days remaining as a percent of my entire working life, one that counts up vacation days that I am accruing, and one that counts how much savings left until I am retired (not to mention the one that counts 403b contributions). 


Itchyfeet

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Re: 2018 FIRE cohort
« Reply #459 on: August 23, 2017, 09:48:33 PM »
Hmmm, unfortunately I won't missing anything other than the inflow of $$

Cherry Lane

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Re: 2018 FIRE cohort
« Reply #460 on: August 24, 2017, 05:53:37 AM »
You know your values are warped when...
I think I have somewhere between 80 to 90 office days remaining, but I'm not sure.  I'm almost tempted to go to the office to check.

I can totally relate. I think the thing I will miss most about quitting work is updating my countdown calendar.   I use a spreadsheet and have a page to count office days remaining, another to calculate calendar days until FIRE, one to count days remaining as a percent of my entire working life, one that counts up vacation days that I am accruing, and one that counts how much savings left until I am retired (not to mention the one that counts 403b contributions).

That's a lot of counters!  I'm just counting total days (via a phone app) and days in the office (on paper on my wall, in a cryptic manner so no one else knows what it is).

I do have a separate vacation day tracker, but I've used that for years to plan my days off for the year.

Financial Ascensionist

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Re: 2018 FIRE cohort
« Reply #461 on: August 24, 2017, 09:20:55 PM »
I FIREd almost three months ago.  I used to write down at the top of my notebook both calendar and work days remaining.  I think I have done that for my last six months or so and it really helped me stay focused and motivated during the though moments.  It's hard to suppress the feeling of euphoria when you start writing single digit numbers.

JoJo

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Re: 2018 FIRE cohort
« Reply #462 on: August 25, 2017, 02:24:30 PM »
Well, I might as well start following this thread.  Was going to do 2017 but then got a chance to do a sweet part time deal @70%.   2018 is highly likely now but not sure.  I've exceeded my financial goal but the power of OMY is too strong and my tendency to "splurge" on certain vacation destinations keeps me going.

aperture

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Re: 2018 FIRE cohort
« Reply #463 on: August 25, 2017, 05:37:30 PM »
Well, I might as well start following this thread.  Was going to do 2017 but then got a chance to do a sweet part time deal @70%.   2018 is highly likely now but not sure.  I've exceeded my financial goal but the power of OMY is too strong and my tendency to "splurge" on certain vacation destinations keeps me going.

Welcome JoJo and congrats on achieving your FI number.  BTW - I really liked your diamond ring photo.  For myself, I was so frustrated with my camera & enraptured with the eclipse - I took no pictures at all during totality - just the ones in my mind.  Cheers, ap.

honeyfill

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Re: 2018 FIRE cohort
« Reply #464 on: August 28, 2017, 08:39:53 AM »
Just joined MMM last night and found this thread.  I didn't know much about the early retirement and Financial Independence  community but it turns out I have been basically living the FIRE(lite)  life for the last 25 yrs.  I'm 60 now and ready to pull the trigger.  I have reached FI and now just have a few things to clear up regarding debt and work related projects and bonuses.  I plan to retire sometime between March and July of 2018. 



honeyfill

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Re: 2018 FIRE cohort
« Reply #465 on: August 28, 2017, 08:54:46 AM »
I thought I would add one of those cool countdown banners to my messages.  Does anyone know how to make it a regular footer to all my messages?








TartanTallulah

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Re: 2018 FIRE cohort
« Reply #466 on: August 28, 2017, 02:22:33 PM »
Honeyfill, if you go to Profile -> Forum Profile -> Signature and paste the text from the ticker website into the Signature box, the countdown bar should appear on the bottom of all your posts. I like the image you've chosen :-)



honeyfill

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Re: 2018 FIRE cohort
« Reply #467 on: August 29, 2017, 05:17:40 PM »
Put my date in as Circa May 2018. But it is somewhere between March and July. 

01/18 Monkey Uncle
01/18  FIBy30
 01/18  PrePube
 01/18  Retire-Canada - downshifted 07/2017
 01/18  WannaGoOutside OLY, Moved to 2017 cohort
 01/18  Zinethstache
 01/18  MomCPA
 01/18  OzBeach
 01/18  NorGirl
 01/18  PizzaSteve Left the forum.
 02/18  brooklynguy
 03/18  Cherry Lane
 03/18  Sofa King
 03/18  sol
~03/18  Gimesalot
 03/18  Badblackgirl
~03/18  Caoineag
 03/18  Clean Shaven
 03/18  JLTinVA
 04/18  Calvin
 04/18  DTaggart
 04/18  FernFree
 04/18  Gooki
~04/18  HappyMargo
 04/18   MandyM - Class of 2017
~04/18  Mother Fussbudget
 04/18  NinetyFour
 04/18  ZiziPB
 04/18  LateStarter
 04/18  Aegishjalmur
~5/18   Markbike528CBX
 05/18  SwordGuy
 05/18  SwordGuy DW
 05/18  Alim Nassor
~05/18 honeyfill
 06/18  Cheddar Stacker
 06/18  Albireo13
 06/18  DavisGang90
~06/18  Pylortes
 06/18  CowboyAndIndian
 06/18  Omalley
 06/18  aperture
 06/18  randomgiraffe
 06/18  dbtx
 06/18  poppydog
 06/18  SwissMiss
 07/18  AussieGirl
~07/18  BackAndForth
 07/18  ChasesFish
~07/18  Freshwater
~07/18  SnidelyWhiplashStache
 07/18  Mr Griz
~07/18 cerat0n1a
 08/18  SpreadsheetMan DW - OMY, moved to 2019 cohort.
 08/18  NorCalistache
 08/18  Mr Mark
 10/18  Happy
 10/18  Irishtache
 10/18  patches
 10/18  Fire1018
 11/18  DeSteeg
 11/18  Kris
 12/18  yoda34
 12/18  EnjoyIt
 ??/18  Minnesota_mom
 ??/18  Michread
 ??/18  Blindsquirrel
 ??/18  thriftycanadian



Cherry Lane

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Re: 2018 FIRE cohort
« Reply #468 on: August 29, 2017, 06:43:22 PM »
200 more days!

aperture

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Re: 2018 FIRE cohort
« Reply #469 on: August 29, 2017, 07:17:21 PM »
200 more days!

Congrats CL - This Saturday will be 300 days for me!!

Retire-Canada

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Re: 2018 FIRE cohort
« Reply #470 on: August 29, 2017, 07:20:26 PM »
200 more days!

Congrats CL - This Saturday will be 300 days for me!!

Awesome. You guys rock! :)

ozbeach

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Re: 2018 FIRE cohort
« Reply #471 on: September 04, 2017, 05:16:29 PM »
I've moved myself to the bottom of the list and, borrowing from the 2017 Target FIRE thread, have given myself the WIGLO acronym :)

01/18 Monkey Uncle
01/18  FIBy30
01/18  PrePube
01/18  Retire-Canada - downshifted 07/2017
01/18  WannaGoOutside OLY, Moved to 2017 cohort
01/18  Zinethstache
01/18  MomCPA
01/18  NorGirl
01/18  PizzaSteve Left the forum.
02/18  brooklynguy
03/18  Cherry Lane
03/18  Sofa King
03/18  sol
~03/18  Gimesalot
03/18  Badblackgirl
~03/18  Caoineag
03/18  Clean Shaven
03/18  JLTinVA
04/18  Calvin
04/18  DTaggart
04/18  FernFree
04/18  Gooki
~04/18  HappyMargo
04/18   MandyM - Class of 2017
~04/18  Mother Fussbudget
04/18  NinetyFour
04/18  ZiziPB
04/18  LateStarter
04/18  Aegishjalmur
~5/18   Markbike528CBX
05/18  SwordGuy
05/18  SwordGuy DW
05/18  Alim Nassor
~05/18 honeyfill
06/18  Cheddar Stacker
06/18  Albireo13
06/18  DavisGang90
~06/18  Pylortes
06/18  CowboyAndIndian
06/18  Omalley
06/18  aperture
06/18  randomgiraffe
06/18  dbtx
06/18  poppydog
06/18  SwissMiss
07/18  AussieGirl
~07/18  BackAndForth
07/18  ChasesFish
~07/18  Freshwater
~07/18  SnidelyWhiplashStache
07/18  Mr Griz
~07/18 cerat0n1a
08/18  SpreadsheetMan DW - OMY, moved to 2019 cohort.
08/18  NorCalistache
08/18  Mr Mark
10/18  Happy
10/18  Irishtache
10/18  patches
10/18  Fire1018
11/18  DeSteeg
11/18  Kris
12/18  yoda34
12/18  EnjoyIt
??/18  Minnesota_mom
??/18  Michread
??/18  Blindsquirrel
??/18  thriftycanadian
??/18  OzBeach -- WIGLO (When I Get Laid Off)
Late to FI; but better late than never!

Patches

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Re: 2018 FIRE cohort
« Reply #472 on: September 07, 2017, 11:15:41 AM »
Well, with each passing month my wife and I continue to crush our FI number.  Her and I recently had a discussion to consider 2017, but neither of us really dislike our jobs so as to speed up the timeline.  I will give a one-year notice in Jan.  I'm an officer of the company and want them to have time to find a suitable replacement.  Once they do I'll happily bow out at that time.  Long story short: nothing has changed. It's just fun seeing our lofty goals becoming reality. And thought I'd share it with you fine people. Peace!

MaybeBabyMustache

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Re: 2018 FIRE cohort
« Reply #473 on: September 13, 2017, 12:07:34 PM »
I'm new & on the fence, but am considering RE in spring of 2018. Lots to consider given our situation, but that's my current timing. My husband will continue to work.

Gimesalot

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Re: 2018 FIRE cohort
« Reply #474 on: September 13, 2017, 02:55:54 PM »
I started my CD ladder yesterday!  It's enough to cover two years' worth of living expenses.   Also, my DH and I decided that we will be moving to Washington state to establish residency in an income tax-free state.  Afterwards, we will be fulfilling my dream of a Great Canadian Road Trip!  It is hard to believe that we are just months out from FIRE.

Basenji

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Re: 2018 FIRE cohort
« Reply #475 on: September 13, 2017, 04:25:27 PM »
Haven't posted in a long time, but I'm moving to 2017. Good luck everyone!

Monkey Uncle

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Re: 2018 FIRE cohort
« Reply #476 on: September 13, 2017, 06:45:09 PM »
Haven't posted in a long time, but I'm moving to 2017. Good luck everyone!

Congratulations!  Are you going now?
"Take this job and shove it" - David Allan Coe

Basenji

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Re: 2018 FIRE cohort
« Reply #477 on: September 13, 2017, 07:07:36 PM »
December, squeezing in 17
« Last Edit: September 13, 2017, 07:13:44 PM by Basenji »

markbike528CBX

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Re: 2018 FIRE cohort
« Reply #478 on: September 13, 2017, 07:46:01 PM »
...snip... Also, my DH and I decided that we will be moving to Washington state to establish residency in an income tax-free state.........

Welcome!
Westside ( greenside)  or Eastside (mostly brownside) ?

Caoineag

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Re: 2018 FIRE cohort
« Reply #479 on: September 14, 2017, 07:26:36 AM »
Given that a lot of us will be retiring part way through next year, I am curious how many plan of us plan on running the numbers on health insurance during the open enrollment period coming this November. I have 2 states to choose between since we are going full time travel so I will be using those numbers to decide on a state (and potentially zip code for our mail forwarding). Its weird to feel like I am reaching the point where I have to start making arrangements for my retirement...

Gimesalot

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Re: 2018 FIRE cohort
« Reply #480 on: September 14, 2017, 07:33:46 AM »
...snip... Also, my DH and I decided that we will be moving to Washington state to establish residency in an income tax-free state.........

Welcome!
Westside ( greenside)  or Eastside (mostly brownside) ?

Probably out towards the west side, although it isn't decided yet.  There are a bunch of pieces that need to fall into place before March of next year. 

Given that a lot of us will be retiring part way through next year, I am curious how many plan of us plan on running the numbers on health insurance during the open enrollment period coming this November. I have 2 states to choose between since we are going full time travel so I will be using those numbers to decide on a state (and potentially zip code for our mail forwarding). Its weird to feel like I am reaching the point where I have to start making arrangements for my retirement...

I am still trying to get my head wrapped around this too.  I think our plan is to have employer/COBRA for the first few months, then switch to an Expat policy while in Canada, and then Obamacare when back in the US.  When we leave in the fall for South America, we will self insure.

Cherry Lane

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Re: 2018 FIRE cohort
« Reply #481 on: September 14, 2017, 07:55:28 AM »
Given that a lot of us will be retiring part way through next year, I am curious how many plan of us plan on running the numbers on health insurance during the open enrollment period coming this November. I have 2 states to choose between since we are going full time travel so I will be using those numbers to decide on a state (and potentially zip code for our mail forwarding). Its weird to feel like I am reaching the point where I have to start making arrangements for my retirement...

I'm not sure what to do about insurance.  I retire in March.  In September I'll be a full-time student and can get university health insurance, but what about the intervening 5 months?  Does anybody know if I get an exchange plan, can I cancel it in September?  Or do I have to stick with it through the year?

CowboyAndIndian

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Re: 2018 FIRE cohort
« Reply #482 on: September 14, 2017, 08:21:40 AM »
Given that a lot of us will be retiring part way through next year, I am curious how many plan of us plan on running the numbers on health insurance during the open enrollment period coming this November. I have 2 states to choose between since we are going full time travel so I will be using those numbers to decide on a state (and potentially zip code for our mail forwarding). Its weird to feel like I am reaching the point where I have to start making arrangements for my retirement...

I'm not sure what to do about insurance.  I retire in March.  In September I'll be a full-time student and can get university health insurance, but what about the intervening 5 months?  Does anybody know if I get an exchange plan, can I cancel it in September?  Or do I have to stick with it through the year?

If you are in the US and have healthcare thru your company, you can get COBRA.
COBRA is continuing medical benefits for upto 18 months after your company subsidized plan ends due an end of job. You get the same insurance, but you do not get the subsidy, so you pay full price.

Gimesalot

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Re: 2018 FIRE cohort
« Reply #483 on: September 14, 2017, 08:41:10 AM »
Given that a lot of us will be retiring part way through next year, I am curious how many plan of us plan on running the numbers on health insurance during the open enrollment period coming this November. I have 2 states to choose between since we are going full time travel so I will be using those numbers to decide on a state (and potentially zip code for our mail forwarding). Its weird to feel like I am reaching the point where I have to start making arrangements for my retirement...

I'm not sure what to do about insurance.  I retire in March.  In September I'll be a full-time student and can get university health insurance, but what about the intervening 5 months?  Does anybody know if I get an exchange plan, can I cancel it in September?  Or do I have to stick with it through the year?

According to the last time we used insurance through the Affordable Care Act, the loss of a job is a "qualifying event" and therefore, you can get insurance outside of open enrollment.

Cherry Lane

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Re: 2018 FIRE cohort
« Reply #484 on: September 14, 2017, 08:41:51 AM »
Given that a lot of us will be retiring part way through next year, I am curious how many plan of us plan on running the numbers on health insurance during the open enrollment period coming this November. I have 2 states to choose between since we are going full time travel so I will be using those numbers to decide on a state (and potentially zip code for our mail forwarding). Its weird to feel like I am reaching the point where I have to start making arrangements for my retirement...

I'm not sure what to do about insurance.  I retire in March.  In September I'll be a full-time student and can get university health insurance, but what about the intervening 5 months?  Does anybody know if I get an exchange plan, can I cancel it in September?  Or do I have to stick with it through the year?

If you are in the US and have healthcare thru your company, you can get COBRA.
COBRA is continuing medical benefits for upto 18 months after your company subsidized plan ends due an end of job. You get the same insurance, but you do not get the subsidy, so you pay full price.

Yes, but my current insurance is heavily subsidized.  The unsubsidized monthly amount is more than I could pay with a different plan, so I'm wondering if that's possible.

Cherry Lane

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Re: 2018 FIRE cohort
« Reply #485 on: September 14, 2017, 08:44:47 AM »
Given that a lot of us will be retiring part way through next year, I am curious how many plan of us plan on running the numbers on health insurance during the open enrollment period coming this November. I have 2 states to choose between since we are going full time travel so I will be using those numbers to decide on a state (and potentially zip code for our mail forwarding). Its weird to feel like I am reaching the point where I have to start making arrangements for my retirement...

I'm not sure what to do about insurance.  I retire in March.  In September I'll be a full-time student and can get university health insurance, but what about the intervening 5 months?  Does anybody know if I get an exchange plan, can I cancel it in September?  Or do I have to stick with it through the year?

According to the last time we used insurance through the Affordable Care Act, the loss of a job is a "qualifying event" and therefore, you can get insurance outside of open enrollment.
Thanks.  I know I can "get" other (ACA) insurance when I leave my employer, but I'm wondering if there's any obligation to keep it?  Can I cancel it partway through the year when I become eligible of cheaper insurance elsewhere? Or am I committed to paying for it until the end of the year?

markbike528CBX

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Re: 2018 FIRE cohort
« Reply #486 on: September 14, 2017, 08:53:54 AM »
Given that a lot of us will be retiring part way through next year, I am curious how many plan of us plan on running the numbers on health insurance during the open enrollment period coming this November. I have 2 states to choose between since we are going full time travel so I will be using those numbers to decide on a state (and potentially zip code for our mail forwarding). Its weird to feel like I am reaching the point where I have to start making arrangements for my retirement...

I should probably run the numbers (just for "fun"), it would be a good dry run.

It IS weird, as I'm about to have "the talk" with my boss, who is just on the other side of the laptop screen from me here in the MSP airport.

 

Patches

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Re: 2018 FIRE cohort
« Reply #487 on: September 14, 2017, 09:31:19 AM »
Given that a lot of us will be retiring part way through next year, I am curious how many plan of us plan on running the numbers on health insurance during the open enrollment period coming this November. I have 2 states to choose between since we are going full time travel so I will be using those numbers to decide on a state (and potentially zip code for our mail forwarding). Its weird to feel like I am reaching the point where I have to start making arrangements for my retirement...

I'm not sure what to do about insurance.  I retire in March.  In September I'll be a full-time student and can get university health insurance, but what about the intervening 5 months?  Does anybody know if I get an exchange plan, can I cancel it in September?  Or do I have to stick with it through the year?

According to the last time we used insurance through the Affordable Care Act, the loss of a job is a "qualifying event" and therefore, you can get insurance outside of open enrollment.
Thanks.  I know I can "get" other (ACA) insurance when I leave my employer, but I'm wondering if there's any obligation to keep it?  Can I cancel it partway through the year when I become eligible of cheaper insurance elsewhere? Or am I committed to paying for it until the end of the year?


You're not required to continue paying.  Like any other insurance program, if you stop making payments they stop covering you.


Cherry Lane

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Re: 2018 FIRE cohort
« Reply #488 on: September 14, 2017, 10:30:25 AM »
Given that a lot of us will be retiring part way through next year, I am curious how many plan of us plan on running the numbers on health insurance during the open enrollment period coming this November. I have 2 states to choose between since we are going full time travel so I will be using those numbers to decide on a state (and potentially zip code for our mail forwarding). Its weird to feel like I am reaching the point where I have to start making arrangements for my retirement...

I'm not sure what to do about insurance.  I retire in March.  In September I'll be a full-time student and can get university health insurance, but what about the intervening 5 months?  Does anybody know if I get an exchange plan, can I cancel it in September?  Or do I have to stick with it through the year?

According to the last time we used insurance through the Affordable Care Act, the loss of a job is a "qualifying event" and therefore, you can get insurance outside of open enrollment.
Thanks.  I know I can "get" other (ACA) insurance when I leave my employer, but I'm wondering if there's any obligation to keep it?  Can I cancel it partway through the year when I become eligible of cheaper insurance elsewhere? Or am I committed to paying for it until the end of the year?


You're not required to continue paying.  Like any other insurance program, if you stop making payments they stop covering you.
Good, thanks.

Gimesalot

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Re: 2018 FIRE cohort
« Reply #489 on: September 14, 2017, 03:03:36 PM »
You're not required to continue paying.  Like any other insurance program, if you stop making payments they stop covering you.
Good, thanks.

We had to have my husband covered for 3 months in the middle of the year until open enrollment at my work.  We signed him up with his loss of his job being a "qualifying event".  He stayed othe plan for a few months and then we just stopped paying.

Monkey Uncle

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Re: 2018 FIRE cohort
« Reply #490 on: September 14, 2017, 06:59:24 PM »
Given that a lot of us will be retiring part way through next year, I am curious how many plan of us plan on running the numbers on health insurance during the open enrollment period coming this November. I have 2 states to choose between since we are going full time travel so I will be using those numbers to decide on a state (and potentially zip code for our mail forwarding). Its weird to feel like I am reaching the point where I have to start making arrangements for my retirement...

Although I anticipate that ACA insurance will actually be less expensive than my current employer-provided insurance, I definitely will be running the numbers for a 2018 policy as soon as I can.  I have this irrational fear that they won't really allow the subsidies and cost sharing.
"Take this job and shove it" - David Allan Coe

Mr Mark

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Re: 2018 FIRE cohort
« Reply #491 on: September 16, 2017, 03:55:37 AM »
We'll have the issue of coming back from a long time overseas. Anyone know how we bridge the gap between the company health insurance we have now (and that will thus end before returning ) and getting onto a ACA plan when back in USA? 
Mr. Mark

Monkey Uncle

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Re: 2018 FIRE cohort
« Reply #492 on: September 16, 2017, 04:44:19 AM »
A lot of people talk about how work gets easier to bear once they've achieved FI and the end is in sight.  That definitely has not been my experience.  The workload, stress, conflict, and general bullshit just seems to keep getting worse.  I'm in a management position and can't simply check out (well, not without losing my sense of self-respect).  But at least all the bullshit cements my resolve to FIRE even more.  When the 2018 sign up period rolls around, if it looks like the ACA will continue to limp along for a while, I'm definitely out the door on or before my 1/6/18 date.
"Take this job and shove it" - David Allan Coe

Mr Griz

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Re: 2018 FIRE cohort
« Reply #493 on: September 16, 2017, 05:01:55 AM »
Same here. The next 9 months are going to go by slowly I feel. I have no desire to stick around but also have no desire to slack off the remaining time.

aperture

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Re: 2018 FIRE cohort
« Reply #494 on: September 16, 2017, 06:04:08 AM »
I am with you Uncle and Griz.  My experience is that work has just gotten more difficult to endure as I get closer.  I am also in a management role and cannot simply slack.  Nothing really sucks about my job.  I like the people I work with and the stress is relatively low and I am competent to do my role.  My DW thinks I am crazy, but I am just tired of sitting in a box under fluorescent lights all day.  The closer I edge to my FIRE date, the greater the contrast grows between what I am doing, and what I want to be doing.  Still I like squirreling away my paychecks every two weeks and it is going to be hard to give up watching the stash grow and instead take money out (gasp!).

MrMark - suggest you look into COBRA insurance coverage https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/faqs/cobra-continuation-health-coverage-compliance

davisgang90

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Re: 2018 FIRE cohort
« Reply #495 on: September 16, 2017, 09:04:23 AM »
I still enjoy my job, but I'm looking forward to the time when I retire.  I have a pretty good commute (for DC) but I'll be glad to leave it behind.
Check out my blog.  Early retirement from a military perspective.

http://chartprepping.com




Monkey Uncle

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Re: 2018 FIRE cohort
« Reply #496 on: September 16, 2017, 11:34:01 AM »
Still I like squirreling away my paychecks every two weeks and it is going to be hard to give up watching the stash grow and instead take money out (gasp!).

Most definitely.  Today at lunch my DW said, "I'm scared about you retiring."  Me: "because you're afraid we won't have enough money?"  Her: "yes."  Me: "I'm scared too, but I just ran the numbers again, and we should have a decent buffer beyond what we need to spend."

My cFiresim runs are pretty bulletproof, assuming the ACA still exists (100% success rate with a 10k spending buffer beyond base expenses).  I know the fear is completely irrational, so I hope it doesn't cause me to make up OMY excuses when it's time to pull the plug!
"Take this job and shove it" - David Allan Coe

honeyfill

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Re: 2018 FIRE cohort
« Reply #497 on: September 16, 2017, 12:19:47 PM »
I am with you Uncle and Griz.  My experience is that work has just gotten more difficult to endure as I get closer.  I am also in a management role and cannot simply slack.  Nothing really sucks about my job.  I like the people I work with and the stress is relatively low and I am competent to do my role.  My DW thinks I am crazy, but I am just tired of sitting in a box under fluorescent lights all day.  The closer I edge to my FIRE date, the greater the contrast grows between what I am doing, and what I want to be doing.  Still I like squirreling away my paychecks every two weeks and it is going to be hard to give up watching the stash grow and instead take money out (gasp!).

MrMark - suggest you look into COBRA insurance coverage https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/faqs/cobra-continuation-health-coverage-compliance

Yeah, since I hit FI this some things don't bother me anymore and other things seem to bother me more.  I'm holding on till May to pay off some credit cards and collect my bonus but if things get too crazy I can leave anytime.   



PizzaSteve

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Re: 2018 FIRE cohort
« Reply #498 on: September 16, 2017, 01:14:35 PM »
Decided to rejoin forum community.  Current target date Jan 15, 2017.  We are already FI, just waiting to vest a very valuable retirement benefit on 1/1/18.

PS tip of interest.  a neighbor was on company paid COBRA for 6 months, but learned about enrollment period restrictions on Coverage California which had her forced to pay very high Cobra costs or be unisured until she could enroll.  Worth looking into in terms of setting your dates.  COBRA rates are getting jacked up by insurers to very high levels due to HCA.
« Last Edit: September 16, 2017, 01:34:46 PM by PizzaSteve »
All posts are opinions of the author subject to independent verification by the reader.  No representations of fact are asserted regarding commercial products or services.

Pizzasteve is planning to mostly be inactive and avoid debates.  In the event of a rare post, no need to reply or quote if you expect a response, as i am posting information an opinion meant to stand on its own.

PizzaSteve

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Re: 2018 FIRE cohort
« Reply #499 on: September 16, 2017, 01:28:49 PM »
I've added myself back in.  Told my boss my plans to help her plan transition of responsibilities.  Hopefully not a mistake with 4 months to go.

01/18 Monkey Uncle
01/18  FIBy30
01/18  PrePube
01/18  Retire-Canada - downshifted 07/2017
01/18  WannaGoOutside OLY, Moved to 2017 cohort
01/18  Zinethstache
01/18  MomCPA
01/18  NorGirl
01/18  PizzaSteve
02/18  brooklynguy
03/18  Cherry Lane
03/18  Sofa King
03/18  sol
~03/18  Gimesalot
03/18  Badblackgirl
~03/18  Caoineag
03/18  Clean Shaven
03/18  JLTinVA
04/18  Calvin
04/18  DTaggart
04/18  FernFree
04/18  Gooki
~04/18  HappyMargo
04/18   MandyM - Class of 2017
~04/18  Mother Fussbudget
04/18  NinetyFour
04/18  ZiziPB
04/18  LateStarter
04/18  Aegishjalmur
~5/18   Markbike528CBX
05/18  SwordGuy
05/18  SwordGuy DW
05/18  Alim Nassor
~05/18 honeyfill
06/18  Cheddar Stacker
06/18  Albireo13
06/18  DavisGang90
~06/18  Pylortes
06/18  CowboyAndIndian
06/18  Omalley
06/18  aperture
06/18  randomgiraffe
06/18  dbtx
06/18  poppydog
06/18  SwissMiss
07/18  AussieGirl
~07/18  BackAndForth
07/18  ChasesFish
~07/18  Freshwater
~07/18  SnidelyWhiplashStache
07/18  Mr Griz
~07/18 cerat0n1a
08/18  SpreadsheetMan DW - OMY, moved to 2019 cohort.
08/18  NorCalistache
08/18  Mr Mark
10/18  Happy
10/18  Irishtache
10/18  patches
10/18  Fire1018
11/18  DeSteeg
11/18  Kris
12/18  yoda34
12/18  EnjoyIt
??/18  Minnesota_mom
??/18  Michread
??/18  Blindsquirrel
??/18  thriftycanadian
??/18  OzBeach -- WIGLO (When I Get Laid Off)
All posts are opinions of the author subject to independent verification by the reader.  No representations of fact are asserted regarding commercial products or services.

Pizzasteve is planning to mostly be inactive and avoid debates.  In the event of a rare post, no need to reply or quote if you expect a response, as i am posting information an opinion meant to stand on its own.