Author Topic: 2018 FIRE cohort  (Read 318591 times)

Fresh Bread

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Re: 2018 FIRE cohort
« Reply #1200 on: February 01, 2018, 11:32:12 PM »
Dtaggart, sounds like you didn't have time for a bbq with all that form filling and badge handing overing. Congrats!

NinetyFour

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Re: 2018 FIRE cohort
« Reply #1201 on: February 02, 2018, 04:34:37 AM »
YAY Dtaggart!!!  Very happy for you!  Enjoy your hike and afternoon nap!  :)

chasesfish

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Re: 2018 FIRE cohort
« Reply #1202 on: February 02, 2018, 05:12:56 AM »
Congrats DTaggart, so awesome to hear!

davisgang90

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Re: 2018 FIRE cohort
« Reply #1203 on: February 02, 2018, 05:46:00 AM »
Congrats Dtaggart!!

CowboyAndIndian

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Re: 2018 FIRE cohort
« Reply #1204 on: February 02, 2018, 07:37:06 AM »
Congratulations DTaggart!


01/01/18  CowboyAndIndian (at 59) CONFIRMED
01/04/18  Gimesalot (at 33) CONFIRMED
01/06/18  Monkey Uncle (at 49) CONFIRMED
01/26/18  PizzaSteve (at 53) CONFIRMED
01/31/18  patches (at 33) CONFIRMED
01/31/18  Wintergreen78 CONFIRMED
01/31/18  MomCPA  CONFIRMED
02/01/18  DTaggart (at 40) CONFIRMED
02/09/18  JLTinVA (at 42)
02/16/18  Gimesalot DH (at 40)
02/26/18  Aegishjalmur (at 35)
02/28/18  brooklynguy (at 37)
02/28/18  Caoineag (at 36)
03/16/18  Cherry Lane
03/31/18  homestead neohio
03/31/18  Mrbeardedbigbucks
03/31/18  ZiziPB (at 50)
03/31/18  DavidAnnArbor (at 52) (Won't renew my office lease)
03/??/18  Badblackgirl
03/??/18  Clean Shaven
03/??/18  Sofa King
03/??/18  MiserlyMiser
03/??/18  Acastus
04/01/18  Mrs. Honeyfill
04/02/18  Honeyfill  (at 60)
04/19/18  NinetyFour (at 56)
04/27/18  poppydog and DW
04/??/18  Calvin
04/??/18  FernFree
04/??/18  Gooki
04/??/18  lostformars
~04/??/18 HappyMargo
~04/??/18 Mother Fussbudget
~04/??/18 Agent Rosenflower
05/01/18  SwordGuy (at 60)
05/08/18  SwordGuy DW (SwordGuy isn't saying.   He wants to live.)
05/04/18  wordnerd and DH (at 30 and 36)
05/04/18  step_away
05/15/18  Markbike528CBX (at 53.5)
05/25/18  Gyosho
05/25/18  CheapskateWife (at 42) and CheapskateHubs (at 49)
05/??/18  Alim Nassor
05/??/18  msilenus
06/15/18  DavisGang90 (at 49)
06/25/18  MaybeBabyMustache (at 42)
06/29/18  aperture
06/??/18  Cheddar Stacker
06/??/18  dbtx
06/??/18  Omalley
06/??/18  randomgiraffe
06/??/18  SwissMiss
~06/??/18 Pylortes
07/??/18  AussieGirl
07/??/18  ChasesFish
07/??/18  Mr Griz
~07/??/18 BackAndForth
~07/??/18 cerat0n1a
~07/??/18 Fresh Bread
~07/??/18 SnidelyWhiplashStache
08/01/18  SugarMountain
08/24/18  sol (at 41)
08/??/18  Mr Mark
08/??/18  NorCalistache
08/??/18  RunningWithScissors
09/30/18  SwissMiss
10/05/18  JumboShrimp
10/??/18  Fire1018
10/??/18  Happy
10/??/18  Irishtache
10/25/18 PhilB (at 52)
11/??/18  DeSteeg
11/??/18  Kris
12/01/18  Vegasgirl (at 49)
12/21/18  LateStarter
12/??/18  EnjoyIt
12/??/18  yoda34
??/??/18  Blindsquirrel
??/??/18  Michread
??/??/18  Minnesota_mom
??/??/18  OzBeach -- WIGLO (When I Get Laid Off)
??/??/18  thriftycanadian
??/??/18  pecunia
??/??/18  FLStache

honeyfill

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Re: 2018 FIRE cohort
« Reply #1205 on: February 02, 2018, 07:46:09 AM »
Way to go  Dtaggart!
I especially liked the inclusion of the link to "I'm Free"  in your good bye letter.

Rubyvroom

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Re: 2018 FIRE cohort
« Reply #1206 on: February 02, 2018, 08:25:05 AM »
I struggle with this quite a bit as well. Itís a big part of the reason I feel like I should do consulting work or start some kind of hifalutiní business after I FIRE. Itís like I canít get past the sunk costs of education and still feel like I MUST USE THESE GRADUATE DEGREES or Iím wasting all that money and effort.

It's been interesting watching this conversation unfold. I feel somewhat the same, however I don't feel like I ever obtained a degree based on what I thought was important to bring to the world, but rather obtained a degree solely to make myself money. I intend on consulting on and off after FIRE but that's because I'm a busy-brain and would like to save extra money to go back to school to earn degrees of my choosing, with no career strings attached.

Also, PTF, as I'm in the 2020 cohort and am living vicariously through this thread. Congratulations to all of you! I love reading the stories!

Vegasgirl

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Re: 2018 FIRE cohort
« Reply #1207 on: February 02, 2018, 09:14:21 AM »
Congrats DTaggart !!!!! Yeah !!!!!

Gimesalot

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Re: 2018 FIRE cohort
« Reply #1208 on: February 02, 2018, 09:15:12 AM »
Welcome to FIRE @momcpa , @DTaggart , and @Wintergreen78 .  I hope you all got to sleep in and have fun on your first day off!

Patches

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Re: 2018 FIRE cohort
« Reply #1209 on: February 02, 2018, 12:20:41 PM »
Quote from: DTaggart
 In my "goodbye" email (sort of a tradition), I closed with a link to The Who's "I'm Free" on youTube :)

[/quote

Classic! My cousin sent me a mystery song to play on my drive home on my last day.  It was both annoying and celebratory... But as is my norm when teaching myself to enjoy new music I just cranked it up on repeat the whole way home.  And now I just hum it all the time...  enjoy!

https://www.youtube.com/watch?v=9G-7P6-FLLM

Makes me think we should get a 2018 cohort mix tape going!

Clean Shaven

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Re: 2018 FIRE cohort
« Reply #1210 on: February 02, 2018, 02:25:28 PM »
Another "I'm Free" - from a later era:

https://www.youtube.com/watch?v=ZVGf3ePIO04

sol

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Re: 2018 FIRE cohort
« Reply #1211 on: February 02, 2018, 02:29:54 PM »
Quote
Makes me think we should get a 2018 cohort mix tape going!

My submission is from bakari's early days on the forum:  https://www.youtube.com/watch?v=geTSBFb_GR4

moxie

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Re: 2018 FIRE cohort
« Reply #1212 on: February 02, 2018, 03:28:14 PM »
I'm moving to this group from the 2019 group. It's just time. I turn 58 this month, so not super early, but we're ready - my husband already retired last year. I'll get a part-time/fun job in a few months.

I'm giving notice in early March after I get last year's bonus. I'll give a month-ish, so planning on my last day being March 30. The last day of that pay period is April 1st. :-)


Patches

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Re: 2018 FIRE cohort
« Reply #1213 on: February 02, 2018, 04:33:07 PM »
Quote
Makes me think we should get a 2018 cohort mix tape going!

My submission is from bakari's early days on the forum:  https://www.youtube.com/watch?v=geTSBFb_GR4

Let's just make this the most eclectic 4 songs to start a mixtape.

https://youtu.be/vA06__bqar0

Gyosho

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Re: 2018 FIRE cohort
« Reply #1214 on: February 02, 2018, 04:48:59 PM »
I love the idea of singing The Who's "I'm Free" on my last day!

I met with our Fidelity rep today to go over the details. Everything looks good! I am on track to FIRE 5/25 (I will be 55).

Can't wait! I am literally counting down the number of work days left. Every morning before I start working I write the day's number down on a piece of paper. Today was day 78. 77 working days to go.

Fresh Bread

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Re: 2018 FIRE cohort
« Reply #1215 on: February 02, 2018, 05:35:12 PM »
Another "I'm Free" - from a later era:

https://www.youtube.com/watch?v=ZVGf3ePIO04

I went to see The Soup Dragons at Brixton Academy when I was about 16! Blur were an almost unknown support act, ha ha.

CowboyAndIndian

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Re: 2018 FIRE cohort
« Reply #1216 on: February 02, 2018, 05:35:38 PM »
Welcome Moxie!


01/01/18  CowboyAndIndian (at 59) CONFIRMED
01/04/18  Gimesalot (at 33) CONFIRMED
01/06/18  Monkey Uncle (at 49) CONFIRMED
01/26/18  PizzaSteve (at 53) CONFIRMED
01/31/18  patches (at 33) CONFIRMED
01/31/18  Wintergreen78 CONFIRMED
01/31/18  MomCPA  CONFIRMED
02/01/18  DTaggart (at 40) CONFIRMED
02/09/18  JLTinVA (at 42)
02/16/18  Gimesalot DH (at 40)
02/26/18  Aegishjalmur (at 35)
02/28/18  brooklynguy (at 37)
02/28/18  Caoineag (at 36)
03/16/18  Cherry Lane
03/30/18  Moxie (at 58)
03/31/18  homestead neohio
03/31/18  Mrbeardedbigbucks
03/31/18  ZiziPB (at 50)
03/31/18  DavidAnnArbor (at 52) (Won't renew my office lease)
03/??/18  Badblackgirl
03/??/18  Clean Shaven
03/??/18  Sofa King
03/??/18  MiserlyMiser
03/??/18  Acastus
04/01/18  Mrs. Honeyfill
04/02/18  Honeyfill  (at 60)
04/19/18  NinetyFour (at 56)
04/27/18  poppydog and DW
04/??/18  Calvin
04/??/18  FernFree
04/??/18  Gooki
04/??/18  lostformars
~04/??/18 HappyMargo
~04/??/18 Mother Fussbudget
~04/??/18 Agent Rosenflower
05/01/18  SwordGuy (at 60)
05/08/18  SwordGuy DW (SwordGuy isn't saying.   He wants to live.)
05/04/18  wordnerd and DH (at 30 and 36)
05/04/18  step_away
05/15/18  Markbike528CBX (at 53.5)
05/25/18  Gyosho (at 55)
05/25/18  CheapskateWife (at 42) and CheapskateHubs (at 49)
05/??/18  Alim Nassor
05/??/18  msilenus
06/15/18  DavisGang90 (at 49)
06/25/18  MaybeBabyMustache (at 42)
06/29/18  aperture
06/??/18  Cheddar Stacker
06/??/18  dbtx
06/??/18  Omalley
06/??/18  randomgiraffe
06/??/18  SwissMiss
~06/??/18 Pylortes
07/??/18  AussieGirl
07/??/18  ChasesFish
07/??/18  Mr Griz
~07/??/18 BackAndForth
~07/??/18 cerat0n1a
~07/??/18 Fresh Bread
~07/??/18 SnidelyWhiplashStache
08/01/18  SugarMountain
08/24/18  sol (at 41)
08/??/18  Mr Mark
08/??/18  NorCalistache
08/??/18  RunningWithScissors
09/30/18  SwissMiss
10/05/18  JumboShrimp
10/??/18  Fire1018
10/??/18  Happy
10/??/18  Irishtache
10/25/18  PhilB (at 52)
11/??/18  DeSteeg
11/??/18  Kris
12/01/18  Vegasgirl (at 49)
12/21/18  LateStarter
12/??/18  EnjoyIt
12/??/18  yoda34
??/??/18  Blindsquirrel
??/??/18  Michread
??/??/18  Minnesota_mom
??/??/18  OzBeach -- WIGLO (When I Get Laid Off)
??/??/18  thriftycanadian
??/??/18  pecunia
??/??/18  FLStache

markbike528CBX

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Re: 2018 FIRE cohort
« Reply #1217 on: February 02, 2018, 06:25:22 PM »
Another "I'm Free" - from a later era:

https://www.youtube.com/watch?v=ZVGf3ePIO04

On my playlist.  Thanks!   

On a side note, new FIRE activity --- go through the entire "What are you listening to Now" thread.

DTaggart

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Re: 2018 FIRE cohort
« Reply #1218 on: February 02, 2018, 09:03:34 PM »
Another mixtape submission: https://www.youtube.com/watch?v=gemNU9mTsig

And markets drop 2.5% the day after I leave work. I've been joking this exact thing would happen for months. I know I'll be fine, but seriously, not funny! :)

Cherry Lane

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Re: 2018 FIRE cohort
« Reply #1219 on: February 02, 2018, 09:06:39 PM »
And markets drop 2.5% the day after I leave work. I've been joking this exact thing would happen for months. I know I'll be fine, but seriously, not funny! :)

<updates asset list>
Phew, I'm still FI ;)

momcpa

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Re: 2018 FIRE cohort
« Reply #1220 on: February 02, 2018, 09:16:40 PM »
DTaggart.....my thoughts exactly.  Feels like the market had it's eye on us!  Told a long time friend who I enjoy talking finances with that I'd see him at the coffee shop. I'd be the waitress working for tips after this sudden downturn.    Just kidding.

SwordGuy

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Re: 2018 FIRE cohort
« Reply #1221 on: February 02, 2018, 10:46:01 PM »
And markets drop 2.5% the day after I leave work. I've been joking this exact thing would happen for months. I know I'll be fine, but seriously, not funny! :)

<updates asset list>
Phew, I'm still FI ;)

Just a preview.

I retire May 1st.   :)

poppydog

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Re: 2018 FIRE cohort
« Reply #1222 on: February 03, 2018, 01:03:18 AM »
Congratulations to all the recent retirees - I love this forum and this cohort.

Mrs PD and me are into our last three months now.  Sheís really busy at work (small employer and sheís a ďbig fishĒ within it.)  Iím a manager in a European based global megacorp and theyíll have forgotten about about a week after Iím gone.  Iím not complaining though, Iíll have forgotten them even quicker.

In contrast to DW, Iím getting bored at work.  Iíve been signposting my retirement for a year now.  My successor has been selected from within my team so Iíve been training him up and slowly handing over my tasks for some time.  Feels great, but the time is dragging a little.

Best wishes to all.

PD

PhilB

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Re: 2018 FIRE cohort
« Reply #1223 on: February 03, 2018, 01:36:34 AM »
Quote
Makes me think we should get a 2018 cohort mix tape going!

My submission is from bakari's early days on the forum:  https://www.youtube.com/watch?v=geTSBFb_GR4

Let's just make this the most eclectic 4 songs to start a mixtape.

https://youtu.be/vA06__bqar0
Love it!
I'm going with this one:
https://www.youtube.com/watch?v=zaGUr6wzyT8
This was also my exit song from high school when I got my Uni offer so will bookend my career nicely!

Edited as quoted wrong message!
« Last Edit: February 03, 2018, 02:14:32 AM by PhilB »

markbike528CBX

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Re: 2018 FIRE cohort
« Reply #1224 on: February 03, 2018, 05:59:06 AM »
Let's just make this the most eclectic 4 songs to start a mixtape.

@Patches   I was about to tease you about revealing an advanced age with your use of the word mixtape.  I then saw your age and was surprised that you even know that tape was once used to record audio.

mixtape. - cassette tape -1980's
CDmix 90's
playlist 2000's

Of course I could be chronologically miscalibrated.

Patches

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Re: 2018 FIRE cohort
« Reply #1225 on: February 03, 2018, 08:44:07 AM »
Haha no way I'll ever give up the term! :)

So many fond memories making a tape by sitting next to the radio, waiting for the dj to play Aerosmith or LL Cool J or some such thing until the tape was completed.

Regardless, according to the internet 'mixtape' can still correctly be used to describe a playlist.


homestead neohio

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Re: 2018 FIRE cohort
« Reply #1226 on: February 03, 2018, 12:40:48 PM »
Quote
Makes me think we should get a 2018 cohort mix tape going!

My submission is from bakari's early days on the forum:  https://www.youtube.com/watch?v=geTSBFb_GR4

Let's just make this the most eclectic 4 songs to start a mixtape.

https://youtu.be/vA06__bqar0
Love it!
I'm going with this one:
https://www.youtube.com/watch?v=zaGUr6wzyT8
This was also my exit song from high school when I got my Uni offer so will bookend my career nicely!

Adding my personal favorite, and keeping with the eclectic theme by adding a different genre.  I will be blasting this on the stock stereo of my tiny hatchback after turning in my badge.

https://www.youtube.com/watch?v=y5HNCw3VLB0

PhilB

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Re: 2018 FIRE cohort
« Reply #1227 on: February 04, 2018, 05:01:26 AM »
Quote
Makes me think we should get a 2018 cohort mix tape going!

My submission is from bakari's early days on the forum:  https://www.youtube.com/watch?v=geTSBFb_GR4

Let's just make this the most eclectic 4 songs to start a mixtape.

https://youtu.be/vA06__bqar0
Love it!
I'm going with this one:
https://www.youtube.com/watch?v=zaGUr6wzyT8
This was also my exit song from high school when I got my Uni offer so will bookend my career nicely!

Adding my personal favorite, and keeping with the eclectic theme by adding a different genre.  I will be blasting this on the stock stereo of my tiny hatchback after turning in my badge.

https://www.youtube.com/watch?v=y5HNCw3VLB0
I'm starting to think we need to add a new column to the FIRE date list!

itchyfeet

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Re: 2018 FIRE cohort
« Reply #1228 on: February 04, 2018, 09:09:22 PM »
And here is a song that I post on behalf of the 2019 Cohort

https://m.youtube.com/watch?v=TRVuJxIRd9U


Target2018

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Re: 2018 FIRE cohort
« Reply #1229 on: February 05, 2018, 10:28:46 AM »
Most days I work from home and in recent years I have slowly reduced the frequency of trips to the office.  Now I run about once every 6-8 weeks. 
I had to go into the office last week for an annual kickoff meeting that the company does to recap last year and set goals for the new year.  Same stuff year after year but I do get to stay in a fancy hotel and have lunch with my co-workers.
On this trip I often thought about how this is the last time that I will have to do this.
I will miss the co-workers but not the job.  This was a company that was once always on those best places to work lists but over the past 7 years has become the place that only cares about the bottom line, that doesn't replace people when they leave or retire, and that doesn't really care about the workers at all.
I could feel all of this in the conversations with co-workers; there is just a general sadness about the office that they might not notice but it really seems obvious to me.  The sad thing is that so many of them are stuck there with no hope of early retirement or retirement at all.  Perhaps when I announce my retirement, they will reassess their priorities.  There is always hope.

So the countdown continues...

Wintergreen78

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Re: 2018 FIRE cohort
« Reply #1230 on: February 05, 2018, 10:58:06 AM »
Quote
Makes me think we should get a 2018 cohort mix tape going!

My submission is from bakari's early days on the forum:  https://www.youtube.com/watch?v=geTSBFb_GR4

Let's just make this the most eclectic 4 songs to start a mixtape.

https://youtu.be/vA06__bqar0
Love it!
I'm going with this one:
https://www.youtube.com/watch?v=zaGUr6wzyT8
This was also my exit song from high school when I got my Uni offer so will bookend my career nicely!

Adding my personal favorite, and keeping with the eclectic theme by adding a different genre.  I will be blasting this on the stock stereo of my tiny hatchback after turning in my badge.

https://www.youtube.com/watch?v=y5HNCw3VLB0
I'm starting to think we need to add a new column to the FIRE date list!

Is this to literal? https://m.youtube.com/watch?v=ZclddLcOYYA

Getting a mixtape just right is hard...

Mrbeardedbigbucks

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Re: 2018 FIRE cohort
« Reply #1231 on: February 05, 2018, 02:08:48 PM »
Well, it's done. I just quit my job on the single worst intraday drop in the history of the Dow Jones. I'm 80% stock. My withdrawal rate will be roughly 3% annually. As of last week I had about 1.2M but it's bleeding by the day. My wife and I will rely on ACA for health care. Life is more fun with a little risk.



chasesfish

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Re: 2018 FIRE cohort
« Reply #1232 on: February 05, 2018, 02:49:38 PM »
Well, it's done. I just quit my job on the single worst intraday drop in the history of the Dow Jones. I'm 80% stock. My withdrawal rate will be roughly 3% annually. As of last week I had about 1.2M but it's bleeding by the day. My wife and I will rely on ACA for health care. Life is more fun with a little risk.

It was only the worst day on a points basis, not percentage.   Congrats on quitting the job!

Remember, the market is up 40% in 15 months, this is not yyyyuuugggeeee in the scheme of things

Patches

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Re: 2018 FIRE cohort
« Reply #1233 on: February 05, 2018, 03:16:55 PM »
Quote
Makes me think we should get a 2018 cohort mix tape going!

My submission is from bakari's early days on the forum:  https://www.youtube.com/watch?v=geTSBFb_GR4

Let's just make this the most eclectic 4 songs to start a mixtape.

https://youtu.be/vA06__bqar0
Love it!
I'm going with this one:
https://www.youtube.com/watch?v=zaGUr6wzyT8
This was also my exit song from high school when I got my Uni offer so will bookend my career nicely!

Adding my personal favorite, and keeping with the eclectic theme by adding a different genre.  I will be blasting this on the stock stereo of my tiny hatchback after turning in my badge.

https://www.youtube.com/watch?v=y5HNCw3VLB0
I'm starting to think we need to add a new column to the FIRE date list!

Is this to literal? https://m.youtube.com/watch?v=ZclddLcOYYA

Getting a mixtape just right is hard...

This mixtape is shaping up nice! And I love the High Fidelity reference there at the end. I could get a Google drive thing going and share it... Or should we kick it old testament and do CDs??

CowboyAndIndian

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Re: 2018 FIRE cohort
« Reply #1234 on: February 05, 2018, 04:07:40 PM »
Well, it's done. I just quit my job on the single worst intraday drop in the history of the Dow Jones. I'm 80% stock. My withdrawal rate will be roughly 3% annually. As of last week I had about 1.2M but it's bleeding by the day. My wife and I will rely on ACA for health care. Life is more fun with a little risk.

Looks like Mrbeardedbigbucks jumped the gun. Can we blame him for the market drop ;-)


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SugarMountain

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Re: 2018 FIRE cohort
« Reply #1235 on: February 05, 2018, 04:53:23 PM »
Well, it's done. I just quit my job on the single worst intraday drop in the history of the Dow Jones. I'm 80% stock. My withdrawal rate will be roughly 3% annually. As of last week I had about 1.2M but it's bleeding by the day. My wife and I will rely on ACA for health care. Life is more fun with a little risk.

Well, look at this way, you've gotten that out of the way, so nothing but up from here!  Congrats on FIRE'ing!

I was wondering if the recent slide has impacted any of the 2018 cohort.  It's really just back to where it was a month ago, but psychologically it certainly could have an effect.

honeyfill

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Re: 2018 FIRE cohort
« Reply #1236 on: February 05, 2018, 05:21:13 PM »
I'm not happy about the market drop this past week but at least it is happening now instead of after I retired. 
All you engineers , know about hysteresis, right?  I 'm right in the zone.  It's not big enough to make me come out of retirement , but it is big enough to make me think about delaying retirement. I have two months to go , lets see what happens. 
 

chasesfish

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Re: 2018 FIRE cohort
« Reply #1237 on: February 05, 2018, 05:32:03 PM »
Well, it's done. I just quit my job on the single worst intraday drop in the history of the Dow Jones. I'm 80% stock. My withdrawal rate will be roughly 3% annually. As of last week I had about 1.2M but it's bleeding by the day. My wife and I will rely on ACA for health care. Life is more fun with a little risk.

Well, look at this way, you've gotten that out of the way, so nothing but up from here!  Congrats on FIRE'ing!

I was wondering if the recent slide has impacted any of the 2018 cohort.  It's really just back to where it was a month ago, but psychologically it certainly could have an effect.

I am indifferent to slightly happy about the market drop, but I have two chunks of money coming in equal to about 5% of my net worth to invest.  That and I was able to deploy some money into REITs that pay 6% and 7.6%.  Its not a bunch, but I'd like to have those at a decent allocation of my portfolio.  I figure if I need 3.5% to retire and I have some stuff that I'm buying with a 6% and 7.6% yield and 5ish% annual increases, I'll probably be okay.  It also pays out monthly and buffers against the need to sell assets

Agent Rosenflower

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Re: 2018 FIRE cohort
« Reply #1238 on: February 05, 2018, 06:03:58 PM »
Well, it's done. I just quit my job on the single worst intraday drop in the history of the Dow Jones. I'm 80% stock. My withdrawal rate will be roughly 3% annually. As of last week I had about 1.2M but it's bleeding by the day. My wife and I will rely on ACA for health care. Life is more fun with a little risk.

Well, look at this way, you've gotten that out of the way, so nothing but up from here!  Congrats on FIRE'ing!

I was wondering if the recent slide has impacted any of the 2018 cohort.  It's really just back to where it was a month ago, but psychologically it certainly could have an effect.

Iím mildly pleased about it since Iím trying to max out at least one retirement account before I quit, and I donít plan to touch my investments for at least a couple years. I donít think anything short of another 2008 would lead me to change my plans dramatically.

Monkey Uncle

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Re: 2018 FIRE cohort
« Reply #1239 on: February 05, 2018, 06:13:43 PM »
Well, it's done. I just quit my job on the single worst intraday drop in the history of the Dow Jones. I'm 80% stock. My withdrawal rate will be roughly 3% annually. As of last week I had about 1.2M but it's bleeding by the day. My wife and I will rely on ACA for health care. Life is more fun with a little risk.

Congratulations, Mrbeardedbigbucks!  Welcome to the 2018 FIREee club!

SwordGuy

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Re: 2018 FIRE cohort
« Reply #1240 on: February 05, 2018, 06:20:40 PM »
Sure has been a bunch of panic on the MMM-related threads on Facebook.   I don't think a lot of the Facebook readers ever actually read MMM.

We have 7 more months of paychecks coming in, so I'm happy the stock market is down for a bit.  We're putting in about $9000 in my 401K and and $16,000 in my wife's.   (She has paychecks thru the end of August, I just go thru mid-May.)

We're still committed to retiring in May.

If we sell our old home we'll carry on with renovating the flip-house.   If we can't get it to sell and the market stays up we'll sell stock to fund the renovations.  If the market drops, we'll postpone the renovations.

DavidAnnArbor

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Re: 2018 FIRE cohort
« Reply #1241 on: February 05, 2018, 06:22:50 PM »
If the market takes a really bad nosedive you have all kinds of strategies in place, cutting expenses, a side gig of income, renting out a room, etc.

aperture

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Re: 2018 FIRE cohort
« Reply #1242 on: February 05, 2018, 07:39:44 PM »
Well, it's done. I just quit my job on the single worst intraday drop in the history of the Dow Jones. I'm 80% stock. My withdrawal rate will be roughly 3% annually. As of last week I had about 1.2M but it's bleeding by the day. My wife and I will rely on ACA for health care. Life is more fun with a little risk.

Congrats Mrbeardedbigbucks!  I am 100% in agreement with you on your last point. (I am looking forward to pulling the cord in June). Since it is no secret at work that I am leaving soon, folks ask me every day "What are you going to do?"  I wonder if this is the refrain because they cannot decide what they would do or if they just want to live vicariously through me.  Anyway, I think others do not clamor to do what I am doing because they are not willing to endure a little risk.  To me the risk is that I stay in my job and die in my office. 

homestead neohio

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Re: 2018 FIRE cohort
« Reply #1243 on: February 06, 2018, 06:59:47 AM »
I'm also happy with the market drop, assuming it stays low enough for me to make a few purchases.  I have increased 401k contributions to hit the 2018 max via paychecks and severance, which end in April.  If the market continues to drop and stays low through that time, I'll make some sizable purchases at a discount right before I stop accumulating shares.  Delaying the date at which I leave this job is not an option!

I have committed to investing certain amounts at certain times to maximize the employer match.  I can't control what the market does, so I'll just watch and smile.  If it turns into a serious bear market, I could either continue with my planned year or two off, then earn enough to cover expenses doing fun jobs (not selling investments), or I could look for a (probably not fun) job which allows me to buy more through a down market, then take my time off.  I don't think we're headed for a bear market, and even if we are, I expect I need the time off now and I'll have the cash buffer to still do it.  But I guess I don't really know what I'll do until I get there.  Short term market gyrations won't change anything.  If this is the start of something longer, probably still won't change anything.

Life is more fun with a little risk.

Agreed.

To me the risk (to avoid) is that I stay in my job and die in my office. 

Nice.

CheapskateWife

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Re: 2018 FIRE cohort
« Reply #1244 on: February 06, 2018, 07:51:30 AM »
Life is more fun with a little risk.
quote author=aperture link=topic=34836.msg1887019#msg1887019 date=1517884784]
To me the risk (to avoid) is that I stay in my job and die in my office. 
[/quote]
In a weird way, I'm grateful for the recent dip/drop we are experiencing.  It gave DH and me a chance to ask hard questions about strategy, should we adjust course, extend our working life, etc, with a real crisis looming (instead of with the confidence of a bounding market).  In the end, the answer is still no.  We know what we have in reserve and we know what adjustments to make to our spend to survive a down market.  We had that conversation in a healthy way (as the reduced spend items mainly impact things that are important to him) and it gave us the chance to get there together instead of me deciding for us. 

No panic here!

DTaggart

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Re: 2018 FIRE cohort
« Reply #1245 on: February 06, 2018, 08:42:44 AM »
I was wondering if the recent slide has impacted any of the 2018 cohort.  It's really just back to where it was a month ago, but psychologically it certainly could have an effect.

I've known this was a very real possibility, what with the market being so hot over the past year or two. So I over-saved, I have several back-up plans in place, and a fair amount of cash reserves. Consequently I'm not too worried (no more than my normal level of anxiety about life). I just feel the specific timing of the drop, coinciding pretty much EXACTLY with my last day of work, was a big 'ol FUCK YOU from the universe. Very rude :)

On the other hand, maybe we can hurry up and get the next recession out of the way so I don't have to keep worrying about it.

MiserlyMiser

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Re: 2018 FIRE cohort
« Reply #1246 on: February 06, 2018, 11:17:49 AM »
Congrats to the class of 2018 confirmed retirees!  Especially to momCPA, patches, and Wintergreen78 who helped us finish strong in January. 

I have 2 more months and every time a new responsibility shows up I roll my eyes and groan, even though I have plenty of time to do it.  Good thing I'm remote so people don't have to see me doing this.  I really should take my own advice and savor the entire experience, enjoying the anticipation and relishing the expectation of not having to do this kind of work again.  I will practice that today as I slog through all the work I've been putting off.  I can get caught up and then reply to the boss about status.

Also, a big thanks to @CowboyAndIndian for keeping us all up to date.  I'm saying thanks because otherwise it would be a thankless job.

We have 5 folks in March with undecided dates. 

Quote
03/??/18  Badblackgirl
03/??/18  Clean Shaven
03/??/18  Sofa King
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03/??/18  Acastus

March is getting pretty close to remain undecided.... 

Any updates @Badblackgirl , @Clean Shaven , @Sofa King , @MiserlyMiser and @Acastus ?
I'm no longer March.  I'm still planning for 2018, but I don't know when. 

The reason is, I have a work project that I find really interesting, and I want to see it through to a certain stage at least. 
A sub-reason within just the past few days is the stock market.  I'm still above my number, but it was so nice to see that extra margin of safety (it made me nervous, though--I'm always waiting for the other shoe), and it's going to take me a while to get used to the dip (assuming it sticks).  And if it's the harbinger of a larger negative turn, then I'd like to wait at least a little while to see how far it goes down.
« Last Edit: February 06, 2018, 11:25:15 AM by MiserlyMiser »

Aegishjalmur

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Re: 2018 FIRE cohort
« Reply #1247 on: February 06, 2018, 11:22:52 AM »
I have now got to see this reaction with 2 people leaving, but my manager gives them the silent treatment once they give there notice. She won't talk to them or acknowledge them. We will see if it holds true for me.

Patches

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Re: 2018 FIRE cohort
« Reply #1248 on: February 06, 2018, 01:58:45 PM »
[quote author=SugarMountain

I was wondering if the recent slide has impacted any of the 2018 cohort.  It's really just back to where it was a month ago, but psychologically it certainly could have an effect.
[/quote]


If you're going to be a retired person invested in stocks, you're at times going to have to sell at less than all-time highs. I'd suggest you come to terms with this prior to retirement. If you haven't yet come to terms with it, I'd suggest continuing to work and save.

Note: I'm one week into retirement and am in full-blown vacation mode. No cares beyond recreation, food and drink.

Gimesalot

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Re: 2018 FIRE cohort
« Reply #1249 on: February 06, 2018, 02:11:49 PM »
I'll be honest, I am a little mad for not having the paycheck to buy in while stocks are on sale, but overall not very worried.  I am grateful that I have been working part time for a few weeks as I have earned enough to cover a few months of living expenses.  Plus, I am really busy getting our house ready for our move. 

DH did get an offer for work while we are in the PNW, and at the time I didn't like the idea, but now I am considering it.  There's a few reasons why, but the stock market drop is only one of them.