Author Topic: 2020 FIRE Cohort  (Read 539933 times)

SugarMountain

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Re: 2020 FIRE Cohort
« Reply #1950 on: October 25, 2020, 04:28:37 PM »


This thread contains a lot of rookie FIREd people.
I feel like every day is a weekend day, but without all the crowds that are usually slipped loose in the weekends. Although covit has caused more people to be outside more often.
Every day I can sleep as long as what feels natural for me and I can go to bed in the evening independent of the clock.

When asked what FIREtirement is like I have actually replied "Every day is Sunday."

Sleeping when YOU want to  for as long as YOU like is one of many benefits of FIRE.

BTW, I don't recall congratulating you for achieving FIRE.

Good for you for FIREing!

I prefer to think of it as Saturday.  I used to get the Sunday night dread of going to work starting around 5 pm, earlier if I actually had to travel on Monday.  Toughest part of retirement is knowing what day it is.  Now that football is going it's easier. lol

YK-Phil

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Re: 2020 FIRE Cohort
« Reply #1951 on: October 25, 2020, 04:39:18 PM »
I finally pulled the plug on October 1. At 62, it is not early retirement by FIRED standard. But I was fortunate to love my environmental scientist job from day 1, and it took me a lot of introspection to decide to leave an exciting career that allowed me to spend almost 40 years of incredible adventures in the Canadian Arctic visiting the most remote places on the planet and having the unique privilege to live and work with Inuit folks while getting handsomely paid at the same time. But I realized that I was not getting any younger and that it was the right time to take a new road. Literally. In the past five years, I was very fortunate to negotiate a remote work arrangement with my employer that allowed me to overland every winter between Northern Canada and Mexico. Now the plan, if covid-19 allows it, is to continue down the Panamericana in my old 4x4 van until I reach Tierra del Fuego. Alea iacta es...

Linea_Norway

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Re: 2020 FIRE Cohort
« Reply #1952 on: October 26, 2020, 04:46:19 AM »
01/01/20  Linea_Norway (@46)          CONFIRMED
01/01/20  firebrand                   CONFIRMED
01/01/20  Nancy                       CONFIRMED
01/01/20  openroadadventure (@53/50)  CONFIRMED
01/03/20  nwa-non                     CONFIRMED
01/07/20  alienbogey's wife           CONFIRMED
01/15/20  Nifty
01/15/20  Nickel (@55)                CONFIRMED
01/15/20  GettingClose's husband      CONFIRMED
01/31/20  ATS (@52)                   CONFIRMED
01/31/20  DisplacedHoosier (@57)      CONFIRMED
02/03/20  grobinski (@52/53)          CONFIRMED
02/03/20  IslandFIGirl                CONFIRMED
02/07/20  JumboShrimp                 CONFIRMED
02/29/20  lemanfan                    CONFIRMED, but maybe not forever
03/01/20  Bmjohnson (@50)             CONFIRMED
03/05/20  LadyMaWhiskers              CONFIRMED
03/06/20  damyst                      CONFIRMED
03/10/20  Katmandew (@54/48)          CONFIRMED
03/13/20  CrazyIT                     CONFIRMED
03/13/20  ysette9 (@38)               CONFIRMED
03/13/20  Padonak                     CONFIRMED
03/13/20  Maenad                      CONFIRMED
03/20/20  Mmm_donuts                  CONFIRMED
03/??/20  FInding_peace (@38)       
03/19/20  wildatheart (@53)           CONFIRMED
04/01/20  FlytilFIRE                  CONFIRMED
04/15/20  hybrid                      CONFIRMED
04/15/20  Indio                       CONFIRMED
04/17/20  Ottawa
04/??/20  DreamFIRE
05/08/20  rab-bit                     CONFIRMED
05/21/20  Body Surfer                 CONFIRMED
05/31/20  Dee18                       CONFIRMED
05/??/20  Rcc                         SWAMI     
05/??/20  Lady Stash (@45)
06/01/20  bobble                      CONFIRMED
06/05/20  thelyon19
06/15/20  BigHaus89
06/15/20  aspiringnomad (@37)         CONFIRMED
06/16/20  Kteach                      CONFIRMED
06/30/20  LateStarter                 CONFIRMED
06/??/20  ixtap (date uncertain)     
07/04/20  myobjectivism               CONFIRMED
07/07/20  FrugalFarmer                CONFIRMED
07/10/20  Zsazsa                      CONFIRMED
07/20/20  Alienbogey                  CONFIRMED (accepted package from employer)
07/??/20 or later 20  MMM123
07/??/20  bas5252 (@55)
08/03/20  SugarMountain               CONFIRMED (negotiated severance package)
08/07/20  HappyCheerE (@55)           CONFIRMED
08/11/20  rab-bit's wife              CONFIRMED
08/14/20  BeanCounter (@42)           CONFIRMED
08/28/20  Albireo13 (@64)             CONFIRMED
08/28/20  MoneyTree's wife            CONFIRMED
08/31/20  fishnfool                   CONFIRMED (Accepted package from employer)
09/01/20  RetireAbroadAt35
09/04/20  Lucky13 (@44)               CONFIRMED
09/06/20  APowers (@31)               CONFIRMED COAST FIRE
09/09/20  ItsALongStory (@39)         CONFIRMED
09/17/20  Dan23                       CONFIRMED
09/30/20  Fresh Bread's husband
09/30/20  CoffeeAndDonuts             Given notice to employee
09/30/20  2sk22                       CONFIRMED
10/01/20  apurplelife                 Given Notice
10/01/20  rae09                       CONFIRMED
10/01/20  ycc-phil (@62)              CONFIRMED
10/02/20  Farmgirl (@61)              CONFIRMED
10/02/20  CptCool                     CONFIRMED
10/02/20  FirePaddle (@41)            CONFIRMED
10/02/20  norajean                    CONFIRMED (accepted package from employer)
10/03/20  gooki (@40)                 CONFIRMED
10/20/20  SpreadsheetMan              CONFIRMED
11/06/20  WYOGO
11/09/20  DireWolf's wife             Given Notice
11/09or16/20  Unique User (@50)       Given notice
11/10/20  exit2019
11/20/20  Alternatepriorities
12/11/20  Freedomsaver (@38)
12/14/20  Megs123                     Given notice
12/14/20 or 12/24/20 MarcherLady      Given notice
12/17/20  honneyfill                  Given notice
12/18/20  bownyboy
12/31/20  Freedomin5 (@38)
12/31/20  Bateaux
12/31/20  Chris@TTL + Jenni
12/31/20  BikeFanatic (@55)
12/??/20  david_shin   
12/??/20  Nora (@42)   
12/??/20  TheFIExplorer
??/??/20  catccc   
??/??/20  DadzillaGorilla (FI@35, RE@40)   
??/??/20  FIREstache (@55)       
??/??/20  letsdoit   
??/??/20  onlykelsey     
??/??/20  tooqk4u22     
??/??/20  Fresh Bread
??/??/20? Gumption
??/??/20  Beeboy (@46)
??/??/20  robtown

 
To be decided:
SailingOnASmallSailboat's DH (@50/51)

OLY:   
meatgrinder   
Life in balance (end of 2019)
2Birds1Stone (autumn 2019)
Firebrand (second week of December 2019)
   
OMY:   
RedefinedHappiness   
FIREby2021 (Q1 2021)   
TheContinentalOp (2021)
Sand101
desk_jockey
Pennycounter (or maybe fall 2020)
JoJo (FIRE maybe March 2021, working 60%)
tipster350 (2021)
Rubyvroom
texxan1
MoneyTree
FireLane (Working part-time, OMY until COVID vaccine)
   
FIREing later:   
FIPurpose (date to decided)   
ToughMother (date to be decided)
GettingClose working 50% and not in management from 04/01/2020 for another year.
Katmandew (@54), parttime from 02/29/2020.
Itchyfeet, accepted new job.
EscapeVelocity2020 (FI in 2020, but will not RE)
BFGirl (2 more years, WFH)
FrugalAussie (@54)
BlueMR2 (Somewhere between 2021 and 2024)

Not fully FIREd, but partly.
01/01/20  Steevven1 (@29)             Working PT
03/07/20  Fresh Bread                 Swami
05/01/20  Much fishing to do          Working PT from home occasionally

« Last Edit: December 01, 2020, 11:48:38 PM by Linea_Norway »

Linea_Norway

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Re: 2020 FIRE Cohort
« Reply #1953 on: October 26, 2020, 04:52:14 AM »
I finally pulled the plug on October 1. At 62, it is not early retirement by FIRED standard. But I was fortunate to love my environmental scientist job from day 1, and it took me a lot of introspection to decide to leave an exciting career that allowed me to spend almost 40 years of incredible adventures in the Canadian Arctic visiting the most remote places on the planet and having the unique privilege to live and work with Inuit folks while getting handsomely paid at the same time. But I realized that I was not getting any younger and that it was the right time to take a new road. Literally. In the past five years, I was very fortunate to negotiate a remote work arrangement with my employer that allowed me to overland every winter between Northern Canada and Mexico. Now the plan, if covid-19 allows it, is to continue down the Panamericana in my old 4x4 van until I reach Tierra del Fuego. Alea iacta es...

Congrats on being FIREd. And nice that you had an interesting career. Not all of us are that lucky.

CrazyIT

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Re: 2020 FIRE Cohort
« Reply #1954 on: October 26, 2020, 08:44:23 AM »
I'm confirmed! Just ending my first week of FIRE! It's still weird, but wonderful. Now I need to find the thread where the rookie FIRE folks discuss the wonderful oddness of filling your own time!

This thread contains a lot of rookie FIREd people.
I feel like every day is a weekend day, but without all the crowds that are usually slipped loose in the weekends. Although covit has caused more people to be outside more often.
Every day I can sleep as long as what feels natural for me and I can go to bed in the evening independent of the clock.

I FIRED in March right before the world closed due to Covid.  I worked for a company of 100 and just found out nearly a quarter have been let go from restructuring but not related to the virus .  I feel like I dodged a bullet and am very grateful to not be working.  It has taken several months to unwind and try to find the new normal,  I'm probably not there yet but feel like I'm getting closer .  I felt like I had a plan like people say "retire to something and not just away from the job" but Covid did put a damper on much of my travel plans.  Non the less I am very happy with the freedom I have and stress level is soooo much less now.  Dropped about 20 pounds!  Now back to my morning coffee.   

Good luck to everyone in their FIRE journey.  Still Crazy not so much IT anymore....

2sk22

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Re: 2020 FIRE Cohort
« Reply #1955 on: October 26, 2020, 09:49:40 AM »
@Linea_Norway I just noticed two entries with my userid - I'm definitely retired now so you can remove the second entry that designates me as part time.

Linea_Norway

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Re: 2020 FIRE Cohort
« Reply #1956 on: October 26, 2020, 09:52:26 AM »
@Linea_Norway I just noticed two entries with my userid - I'm definitely retired now so you can remove the second entry that designates me as part time.

Fixed it.
It is not always easy to find entries now that they are no longer alphabetical.

friedmmj

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Re: 2020 FIRE Cohort
« Reply #1957 on: October 26, 2020, 11:41:43 AM »
I finally pulled the plug on October 1. At 62, it is not early retirement by FIRED standard. But I was fortunate to love my environmental scientist job from day 1, and it took me a lot of introspection to decide to leave an exciting career that allowed me to spend almost 40 years of incredible adventures in the Canadian Arctic visiting the most remote places on the planet and having the unique privilege to live and work with Inuit folks while getting handsomely paid at the same time. But I realized that I was not getting any younger and that it was the right time to take a new road. Literally. In the past five years, I was very fortunate to negotiate a remote work arrangement with my employer that allowed me to overland every winter between Northern Canada and Mexico. Now the plan, if covid-19 allows it, is to continue down the Panamericana in my old 4x4 van until I reach Tierra del Fuego. Alea iacta es...

This is an amazing career opportunity and I can see why it was hard to give up!  If you haven't already seen it, check out the documentary called "Long Way Up" (Apple TV).  It chronicles a motorcycle adventure of two actors (one of which is Ewin McGregor) starting at Tierra del Fuego and ending in Los Angeles, CA.  They do the journey on electric motorcycles which is amazing considering the lack of charging infrastructure in South and Central America.

HappyCheerE

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Re: 2020 FIRE Cohort
« Reply #1958 on: October 27, 2020, 06:38:14 PM »
Wow, look at all of us! Congratulations to all! My favorite thing so far is sleeping until I awaken naturally (around sunrise)... and grocery shopping on a weekday morning. FIRE still hasn't really sunk in during this year of limbo, but I feel so lucky every day.

simonsez

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Re: 2020 FIRE Cohort
« Reply #1959 on: October 30, 2020, 02:22:53 PM »
I FIRED in March right before the world closed due to Covid.  I worked for a company of 100 and just found out nearly a quarter have been let go from restructuring but not related to the virus .  I feel like I dodged a bullet and am very grateful to not be working.  It has taken several months to unwind and try to find the new normal,  I'm probably not there yet but feel like I'm getting closer .  I felt like I had a plan like people say "retire to something and not just away from the job" but Covid did put a damper on much of my travel plans.  Non the less I am very happy with the freedom I have and stress level is soooo much less now.  Dropped about 20 pounds!  Now back to my morning coffee.   

Good luck to everyone in their FIRE journey.  Still Crazy not so much IT anymore....
Wow, that's awesome!  I wonder if you "saved" a person from being let go by retiring, win-win!

honeyfill

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Re: 2020 FIRE Cohort
« Reply #1960 on: October 30, 2020, 05:33:30 PM »
I was bored yesterday so I did some calculations to help pass the time.
My  last day at work is Dec 17, then I have a couple weeks of plant shut down and vacation to use up before I drop off my computer and keys on Jan 4. 
That means I have 48 days until my last day and 66 days until I am officially off the payroll. 20 days are weekends.  9 days are vacation.  9 days are company holidays. 6 days are Fridays that I get off. That leaves 22 workdays. 

Linea_Norway

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Re: 2020 FIRE Cohort
« Reply #1961 on: October 31, 2020, 02:51:59 AM »
I was bored yesterday so I did some calculations to help pass the time.
My  last day at work is Dec 17, then I have a couple weeks of plant shut down and vacation to use up before I drop off my computer and keys on Jan 4. 
That means I have 48 days until my last day and 66 days until I am officially off the payroll. 20 days are weekends.  9 days are vacation.  9 days are company holidays. 6 days are Fridays that I get off. That leaves 22 workdays.

That sounds doable, as they will be the last 22 days ever working. Good luck in the last run.

FrugalFarmer

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Re: 2020 FIRE Cohort
« Reply #1962 on: November 01, 2020, 08:29:05 AM »
I am so grateful to be in this cohort.  What a year.  I got laid off one week after the COVID shutdown.  But I was prepared.  I was going to FIRE this year anyway.  Don't get me wrong, it was decidedly inconvenient to get laid off.  It didn't feel good either.  But, instead of experiencing a full on catastrophe, I was able to view it as a catalyst to dive in and begin my new life.  Was it the grand first year of FIRE that I had been dreaming about all this time?  Nope.  But it turned out to be exactly what I needed.  I had time to clean and organize my home and to catch up on a lot of things I had to let slide while I was overworked and way too busy running the corporate treadmill.  I left my job slightly less prepared than I had planned to be, and with a little smaller budget than I wanted.  It's tight, but it works.  As my handle indicates, I'm a farmer at heart.  My retirement is at home with my land.  Many people would not call that retired.  But I don't care what it is called.  I am free and I can spend my days the way I want to spend them.  I have enough financial security not to worry about losing my land if there's a crop failure.  I can afford veterinary care for all my animals when they need it.  I won't ever have to compromise my ethics to chase higher profits.  I no longer have to spend the bulk of my time in an open concept office environment listening to sales chatter and machine hum by the flickering sterile glow of fluorescent lighting.  I'm free in every sense of the word that matters to me.  It feels fantastic.

frugalor

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Re: 2020 FIRE Cohort
« Reply #1963 on: November 01, 2020, 09:01:18 AM »
I am so grateful to be in this cohort.  What a year.  I got laid off one week after the COVID shutdown.  But I was prepared.  I was going to FIRE this year anyway.  Don't get me wrong, it was decidedly inconvenient to get laid off.  It didn't feel good either.  But, instead of experiencing a full on catastrophe, I was able to view it as a catalyst to dive in and begin my new life.  Was it the grand first year of FIRE that I had been dreaming about all this time?  Nope.  But it turned out to be exactly what I needed.  I had time to clean and organize my home and to catch up on a lot of things I had to let slide while I was overworked and way too busy running the corporate treadmill.  I left my job slightly less prepared than I had planned to be, and with a little smaller budget than I wanted.  It's tight, but it works.  As my handle indicates, I'm a farmer at heart.  My retirement is at home with my land.  Many people would not call that retired.  But I don't care what it is called.  I am free and I can spend my days the way I want to spend them.  I have enough financial security not to worry about losing my land if there's a crop failure.  I can afford veterinary care for all my animals when they need it.  I won't ever have to compromise my ethics to chase higher profits.  I no longer have to spend the bulk of my time in an open concept office environment listening to sales chatter and machine hum by the flickering sterile glow of fluorescent lighting.  I'm free in every sense of the word that matters to me.  It feels fantastic.

Nice!  Layoff might actually be blessing in disguise for FIRE, especially if you got a severance.

Linea_Norway

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Re: 2020 FIRE Cohort
« Reply #1964 on: November 01, 2020, 11:46:53 AM »
I am so grateful to be in this cohort.  What a year.  I got laid off one week after the COVID shutdown.  But I was prepared.  I was going to FIRE this year anyway.  Don't get me wrong, it was decidedly inconvenient to get laid off.  It didn't feel good either.  But, instead of experiencing a full on catastrophe, I was able to view it as a catalyst to dive in and begin my new life.  Was it the grand first year of FIRE that I had been dreaming about all this time?  Nope.  But it turned out to be exactly what I needed.  I had time to clean and organize my home and to catch up on a lot of things I had to let slide while I was overworked and way too busy running the corporate treadmill.  I left my job slightly less prepared than I had planned to be, and with a little smaller budget than I wanted.  It's tight, but it works.  As my handle indicates, I'm a farmer at heart.  My retirement is at home with my land.  Many people would not call that retired.  But I don't care what it is called.  I am free and I can spend my days the way I want to spend them.  I have enough financial security not to worry about losing my land if there's a crop failure.  I can afford veterinary care for all my animals when they need it.  I won't ever have to compromise my ethics to chase higher profits.  I no longer have to spend the bulk of my time in an open concept office environment listening to sales chatter and machine hum by the flickering sterile glow of fluorescent lighting.  I'm free in every sense of the word that matters to me.  It feels fantastic.

@FrugalFarmer
I would like to put you in the list at the top of the page. Which date would you like me to put you on. Somewhere in April?

Linea_Norway

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Re: 2020 FIRE Cohort
« Reply #1965 on: November 01, 2020, 01:45:18 PM »
@freeatlast would you like to join here?

FrugalFarmer

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Re: 2020 FIRE Cohort
« Reply #1966 on: November 01, 2020, 03:52:54 PM »
I am so grateful to be in this cohort.  What a year.  I got laid off one week after the COVID shutdown.  But I was prepared.  I was going to FIRE this year anyway.  Don't get me wrong, it was decidedly inconvenient to get laid off.  It didn't feel good either.  But, instead of experiencing a full on catastrophe, I was able to view it as a catalyst to dive in and begin my new life.  Was it the grand first year of FIRE that I had been dreaming about all this time?  Nope.  But it turned out to be exactly what I needed.  I had time to clean and organize my home and to catch up on a lot of things I had to let slide while I was overworked and way too busy running the corporate treadmill.  I left my job slightly less prepared than I had planned to be, and with a little smaller budget than I wanted.  It's tight, but it works.  As my handle indicates, I'm a farmer at heart.  My retirement is at home with my land.  Many people would not call that retired.  But I don't care what it is called.  I am free and I can spend my days the way I want to spend them.  I have enough financial security not to worry about losing my land if there's a crop failure.  I can afford veterinary care for all my animals when they need it.  I won't ever have to compromise my ethics to chase higher profits.  I no longer have to spend the bulk of my time in an open concept office environment listening to sales chatter and machine hum by the flickering sterile glow of fluorescent lighting.  I'm free in every sense of the word that matters to me.  It feels fantastic.

@FrugalFarmer
I would like to put you in the list at the top of the page. Which date would you like me to put you on. Somewhere in April?

Let's go with July 7.  That was about the time I decided to stop job hunting and commit to the FIRE life!

gooki

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Re: 2020 FIRE Cohort
« Reply #1967 on: November 06, 2020, 01:36:49 AM »
You can add me to the list. I FIREd mid October, 3 months after my 40th birthday. Pretty much bang on 9 years after I found MrMm.

Turned down two job offers since. It’s hard saying no to more money. I guess it’ll get easier with time, that or the job offers will dry up.

Currently happy being a house husband, raising a puppy and doing up a camper van.


Linea_Norway

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Re: 2020 FIRE Cohort
« Reply #1968 on: November 06, 2020, 02:41:43 AM »
You can add me to the list. I FIREd mid October, 3 months after my 40th birthday. Pretty much bang on 9 years after I found MrMm.

Turned down two job offers since. It’s hard saying no to more money. I guess it’ll get easier with time, that or the job offers will dry up.

Currently happy being a house husband, raising a puppy and doing up a camper van.

Welcome to the cohort and well done to be fired at 40.

I don't find it tempting to go to a job interview at all. That would mean I would have to dress up and be in a very different modus (selling myself) than normally.

bownyboy

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Re: 2020 FIRE Cohort
« Reply #1969 on: November 07, 2020, 03:12:33 AM »
So it looks like I may have to bump into the 2021 cohort. Our five year mortgage fix expires on January 31st 2021 and my current work contract finishes December 31st 2020.

I called our mortgage company and they said they will contact me 8 weeks before to discuss remortgage options.

However as a contractor, UK mortgage companies require a minimum amount left on your contract to consider you and I’ll most likely need another contract in order to proceed (assuming I can get one in this current climate!).

Worst case scenario is we roll onto their standard variable rate which is 3.69% rather than something like 1.4% for another 5 year fix.

Ho hum...

I'm back on for Friday 18th December!

We got a remortgage confirmed yesterday on a great 5 year fix of 1.44%. The particular mortgage company we used just wanted tax returns for the last 2 years as well as savings and investments we hold. As our LTV is very low (about 9%) we were waved through.


Linea_Norway

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Re: 2020 FIRE Cohort
« Reply #1970 on: November 07, 2020, 04:51:05 AM »
So it looks like I may have to bump into the 2021 cohort. Our five year mortgage fix expires on January 31st 2021 and my current work contract finishes December 31st 2020.

I called our mortgage company and they said they will contact me 8 weeks before to discuss remortgage options.

However as a contractor, UK mortgage companies require a minimum amount left on your contract to consider you and I’ll most likely need another contract in order to proceed (assuming I can get one in this current climate!).

Worst case scenario is we roll onto their standard variable rate which is 3.69% rather than something like 1.4% for another 5 year fix.

Ho hum...

I'm back on for Friday 18th December!

We got a remortgage confirmed yesterday on a great 5 year fix of 1.44%. The particular mortgage company we used just wanted tax returns for the last 2 years as well as savings and investments we hold. As our LTV is very low (about 9%) we were waved through.

Welcome back. 1.44% fixed for 5 years is a great deal.

bownyboy

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Re: 2020 FIRE Cohort
« Reply #1971 on: November 15, 2020, 02:01:08 AM »
Anyone else on track for one of their biggest monthly gains? A combination of a Biden presidency and COVID vaccine has sent my investments soaring.

But experience tells me not to take anything for granted this year!

ItsALongStory

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Re: 2020 FIRE Cohort
« Reply #1972 on: November 15, 2020, 08:39:16 AM »
I would say let's wait and see on December 1st. Right now it's looking great but that could all change very quickly.

bownyboy

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Re: 2020 FIRE Cohort
« Reply #1973 on: November 21, 2020, 06:02:32 AM »
So as I near our FIRE date I find the seductive call of ONC syndrome otherwise known as One More Contract.

We’re currently in lockdown in the UK and realistically I can’t see things changing that much for at least another 6-12 months while we wait for the whole population to be immunised.

I was discussing this with the wife and she said “well why don’t you take another contract? It’s not like we can travel anywhere or do the things we want to do; you might as well be earning and add some contingency to the plan”.

So we’ll see. I’ve already had a few chats with prospective clients.

May end up moving over to the 2021 Cohort!

Linea_Norway

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Re: 2020 FIRE Cohort
« Reply #1974 on: November 21, 2020, 08:00:23 AM »
So as I near our FIRE date I find the seductive call of ONC syndrome otherwise known as One More Contract.

We’re currently in lockdown in the UK and realistically I can’t see things changing that much for at least another 6-12 months while we wait for the whole population to be immunised.

I was discussing this with the wife and she said “well why don’t you take another contract? It’s not like we can travel anywhere or do the things we want to do; you might as well be earning and add some contingency to the plan”.

So we’ll see. I’ve already had a few chats with prospective clients.

May end up moving over to the 2021 Cohort!

Only do it if you don't mind working and if working isn't bad for your health. Being home doing your own thing can also be good for you. All depends on your relationship with your work.

Alternatepriorities

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Re: 2020 FIRE Cohort
« Reply #1975 on: November 21, 2020, 10:03:48 AM »
Anyone else on track for one of their biggest monthly gains? A combination of a Biden presidency and COVID vaccine has sent my investments soaring.

But experience tells me not to take anything for granted this year!

There have been days this past month where our investments have earned more than we can earn in a month. And days this year where they have lost that... I find it makes “for money” a less useful answer to “why am a working?” But I also know that the long term average is what matters.

Alternatepriorities

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Re: 2020 FIRE Cohort
« Reply #1976 on: November 21, 2020, 10:18:53 AM »
We are FI!

It’s dark and cold outside and travel doesn’t seem prudent this winter. So, I’m going to continue doing some CAD until weather and covid conditions improve in the spring and then pursue my private pilot’s license and a summer of outdoor activity in AK. I don’t have to worry about fulfilling a contract, but I’d rather not leave a project unfinished.

DW will continue working as long as she is enjoying or until she’d rather go vagabonding. Either way, it should help mitigate SORR and allow for additional generosity.

« Last Edit: November 21, 2020, 10:43:50 AM by Alternatepriorities »

SugarMountain

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Re: 2020 FIRE Cohort
« Reply #1977 on: November 23, 2020, 10:09:25 AM »
Anyone else on track for one of their biggest monthly gains? A combination of a Biden presidency and COVID vaccine has sent my investments soaring.

But experience tells me not to take anything for granted this year!

There have been days this past month where our investments have earned more than we can earn in a month. And days this year where they have lost that... I find it makes “for money” a less useful answer to “why am a working?” But I also know that the long term average is what matters.

It can be intoxicating.  I still remember back in the late 90s when I had some stock options crash and I lost about 2 years salary (which was probably 30% or more of my net worth) in one day.  At the end of October, I bought VOO with my severance money and it's made about a month's salary since then.  I can see how folks get sucked into day trading, but it's really just gambling.  Some people may have an edge, but I doubt I do.

Alternatepriorities

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Re: 2020 FIRE Cohort
« Reply #1978 on: November 23, 2020, 12:25:43 PM »
Anyone else on track for one of their biggest monthly gains? A combination of a Biden presidency and COVID vaccine has sent my investments soaring.

But experience tells me not to take anything for granted this year!

There have been days this past month where our investments have earned more than we can earn in a month. And days this year where they have lost that... I find it makes “for money” a less useful answer to “why am a working?” But I also know that the long term average is what matters.

It can be intoxicating.  I still remember back in the late 90s when I had some stock options crash and I lost about 2 years salary (which was probably 30% or more of my net worth) in one day.  At the end of October, I bought VOO with my severance money and it's made about a month's salary since then.  I can see how folks get sucked into day trading, but it's really just gambling.  Some people may have an edge, but I doubt I do.

I helped my father get into investing before I discovered indexing. He still does a decent amount of stock picking. For the last five years my index funds have consistently done at least a little better than his average return... This year his picks in the green energy sector have done so well that his total YTD return exceed mine despite having half the assets...

The primary reason I haven't tried to talk him out of stock picking is that he's happy living on his SS alone, and following his investments keeps is brain active during the cold winter months. In the summer he stays busy with his garden, but there just aren't enough projects for him in the winter.

ItsALongStory

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Re: 2020 FIRE Cohort
« Reply #1979 on: November 24, 2020, 12:14:32 AM »
My mom is the investor of their household, always reading about hot stocks. I've tried to explain with data why picking is a suckers game but she isn't all in. My folks even have funds with 2%+ fees in addition to load fees early on, it's an absolute disgrace.

Recently I did get her to buy one of the European equivalents of VTSAX for part of their stach but she happily keeps most of it where it's at. My fingers are crossed that VTSAX does well and she shifts all or at least most of it away from the local bankers that are robbing them with a smile on their face.

BlueMR2

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Re: 2020 FIRE Cohort
« Reply #1980 on: November 24, 2020, 05:26:07 AM »
Guess my reply last night didn't save...  Thought maybe it made it in before my computer crashed, but I guess not!

Well past my original date now in May.  Just couldn't pass up the opportunity to keep working during the down times.  Planning on continuing at least a little bit into 2021 now as the potential austerity measures in our country's future have me concerned.  Wouldn't mind building up a bigger buffer.  Set a new hard date in 2024 that I definitely won't go past, but otherwise am just kind of day by daying it now...

Linea_Norway

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Re: 2020 FIRE Cohort
« Reply #1981 on: November 24, 2020, 06:38:01 AM »
Guess my reply last night didn't save...  Thought maybe it made it in before my computer crashed, but I guess not!

Well past my original date now in May.  Just couldn't pass up the opportunity to keep working during the down times.  Planning on continuing at least a little bit into 2021 now as the potential austerity measures in our country's future have me concerned.  Wouldn't mind building up a bigger buffer.  Set a new hard date in 2024 that I definitely won't go past, but otherwise am just kind of day by daying it now...

Updated the list. Good luck.

BikeFanatic

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Re: 2020 FIRE Cohort
« Reply #1982 on: November 24, 2020, 06:38:42 AM »
Linea Norway, Can you add me to the list?

I have been trying to slog on OMY due to my spouses desire for more padding in our stash,  plus I thought I would be furloughed or laid off during Covid which did not happen.

I am counting the days and really white knuckled it for 3 years at a Full time desk job I took for the money and I knew I would hate it. If I could do over, I would have coast fired working part time, I was forced out of my old job due to health issues, and that was a blessing also,  very lucky for me.  I had serious burn out, but still at that time I was working part time 32 hours a week. AT that time my plan was to decrease to 20 hours a week or Per Diem or contract work ( as soon as I had 500K invested and my spouse had a similar amount). Working in the Hospital is very stressful anyway and I wonder how much the stress contributed to  some of my health issues. Anyway I am healthy now and the desk job has certainly padded the stash considerably. My spouse still wants more padding and is willing to work an extra year or two herself to bring in more. I am 55 years old and running out of time, she is a tad younger 49, and I just can not wait to GTFO and do the things I want. I feel chained to my desk, and this job really is more like 50 hours a week. I flexed up my hours instead of down.

Now we downsized and sold our house in the city, had already bought a small place in a resort town to retire to ( a tiny place but very inexpensive compared to the big city). With the windfall from the home pushes our net worth up and over the original number which was about 1.6M. Now I want to retire immediately but my company gives us   a small bonus, could be 5-7K If I stay though 12/31 so  while my last day is Jan 1 2022 I feel I will retire on 12/31/2020 ( since I will not work on Jan 1 but take a vacation day).

I still can not believe I am in this position, 55 is not really young, but younger than most, and I feel guilty evevn sharing that I am retired with my working class friends who will not retire until 65 probably. Hell I have a friend who is still working Full time at age 70. I feel very lucky! I am also grateful for  all the information I gleened from this place ( and the face punches and learning to flex my frugal muscle) which gave me the idea to retire back in 2015-2016 when I had had it with my job.

Linea_Norway

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Re: 2020 FIRE Cohort
« Reply #1983 on: November 24, 2020, 06:50:58 AM »
Linea Norway, Can you add me to the list?

I have been trying to slog on OMY due to my spouses desire for more padding in our stash,  plus I thought I would be furloughed or laid off during Covid which did not happen.

I am counting the days and really white knuckled it for 3 years at a Full time desk job I took for the money and I knew I would hate it. If I could do over, I would have coast fired working part time, I was forced out of my old job due to health issues, and that was a blessing also,  very lucky for me.  I had serious burn out, but still at that time I was working part time 32 hours a week. AT that time my plan was to decrease to 20 hours a week or Per Diem or contract work ( as soon as I had 500K invested and my spouse had a similar amount). Working in the Hospital is very stressful anyway and I wonder how much the stress contributed to  some of my health issues. Anyway I am healthy now and the desk job has certainly padded the stash considerably. My spouse still wants more padding and is willing to work an extra year or two herself to bring in more. I am 55 years old and running out of time, she is a tad younger 49, and I just can not wait to GTFO and do the things I want. I feel chained to my desk, and this job really is more like 50 hours a week. I flexed up my hours instead of down.

Now we downsized and sold our house in the city, had already bought a small place in a resort town to retire to ( a tiny place but very inexpensive compared to the big city). With the windfall from the home pushes our net worth up and over the original number which was about 1.6M. Now I want to retire immediately but my company gives us   a small bonus, could be 5-7K If I stay though 12/31 so  while my last day is Jan 1 2022 I feel I will retire on 12/31/2020 ( since I will not work on Jan 1 but take a vacation day).

I still can not believe I am in this position, 55 is not really young, but younger than most, and I feel guilty evevn sharing that I am retired with my working class friends who will not retire until 65 probably. Hell I have a friend who is still working Full time at age 70. I feel very lucky! I am also grateful for  all the information I gleened from this place ( and the face punches and learning to flex my frugal muscle) which gave me the idea to retire back in 2015-2016 when I had had it with my job.

Done.
I think you meant to say that your offical last day is 1rst of Jan 2021.

Stress is indeed very bad for one's health. I am a lot less stressed now than when I was working. Despite that, stress does flare up sometimes when I want to do so much that I feel there aren't enough hours in a day. Currenly, in November, there isn't so much I feel the need to be doing and I manage to relax more again.
You are very right that you aren't getting younger. More stash would often be nice, but you are running out of life to spend it. Better stop when you are still at good health to enjoy life.

Much Fishing to Do

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Re: 2020 FIRE Cohort
« Reply #1984 on: November 24, 2020, 11:26:27 AM »
Anyone else on track for one of their biggest monthly gains? A combination of a Biden presidency and COVID vaccine has sent my investments soaring.

But experience tells me not to take anything for granted this year!

There have been days this past month where our investments have earned more than we can earn in a month. And days this year where they have lost that... I find it makes “for money” a less useful answer to “why am a working?” But I also know that the long term average is what matters.

No kidding.  I'll make ~$15k per my job this month, I'm up $250k this month in my investments...almost 20 times as much.....  Of course there is no way my job LOSES me $300k next month...my investments may very well.... I owned a business up until a couple years ago with very volatile returns month to month (luckily the clients generally paid so it averaged out well, I realize it could have gone poorly every day), so I really do appreciate the concept of making a set amount of money without putting any capital at risk (I'm W-2'd now) and not to compare it at all to gains on at risk money.
« Last Edit: November 24, 2020, 11:40:40 AM by Much Fishing to Do »

exit2019

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Re: 2020 FIRE Cohort
« Reply #1985 on: November 30, 2020, 02:58:56 PM »
I was scheduled for 2020/11/10.  I appear to be slipping.  I now have a substantial payment due 12/15 which we are definitely waiting for, and at that point I'll have to make the call about whether we're going to hang on for one last lump sum payment (which is March 2021).

I would leave that lump on the table, but ... this Covid19 thing is making me nuts and ruining my plans, Mike Tyson-style. 

Travel is out (doubly now than even a month ago given the explosion in cases).  My plan was to sell the house, put our stuff in storage, and go do a long distance trail (and then travel a bit to check out less-VHCOL places to live) but that whole plan definitely still out for now. Clarity on whether southbound will be a viable option won't materialize until April at the earliest.  It's bad enough that 2020 was a total loss in every way but financially..

People who are pulling the trigger - what's the plan?   How are you finding exiting in the middle of the mess? What do you *do* given all the restrictions?

APowers

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Re: 2020 FIRE Cohort
« Reply #1986 on: November 30, 2020, 03:11:00 PM »
People who are pulling the trigger - what's the plan?   How are you finding exiting in the middle of the mess? What do you *do* given all the restrictions?

Same thing I was planning on doing before-- camping, remodeling, landscaping, helping the kids excel in school, and building fun things in the garage with them.

honeyfill

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Re: 2020 FIRE Cohort
« Reply #1987 on: November 30, 2020, 08:46:23 PM »
Officially turned in my notice.   My last day is December 17th but I have to come in on Jan 4 to get paid  for the 2 weeks off at Xmas and turn in my computer. 

ItsALongStory

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Re: 2020 FIRE Cohort
« Reply #1988 on: November 30, 2020, 11:10:50 PM »


People who are pulling the trigger - what's the plan?   How are you finding exiting in the middle of the mess? What do you *do* given all the restrictions?

We still made the move to Europe and still bought a car but are certainly more limited once we get to a destination. We had planned to visit portugal in january but actually flew down earlier. We are keeping our next portugal slot but will just drive and do more solo activities such as hiking vs trying to do things that result in more crowded situations.

The impact has been relatively minimal, biggest hurdle will be how we celebrate Christmas.

MarcherLady

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Re: 2020 FIRE Cohort
« Reply #1989 on: December 01, 2020, 12:39:05 AM »
Morning, after months of procrastination, I handed in my notice yesterday. My contract ends 31st Dec (I didn't want to get booted out of the cohort ) but my last working day will be either the 14th or the 24th, I'm negotiating that one today.

Squeeee!

2sk22

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Re: 2020 FIRE Cohort
« Reply #1990 on: December 01, 2020, 02:44:20 AM »
Morning, after months of procrastination, I handed in my notice yesterday. My contract ends 31st Dec (I didn't want to get booted out of the cohort ) but my last working day will be either the 14th or the 24th, I'm negotiating that one today.

Squeeee!

Congratulations! The 2020 cohort will soon be closing up forever :-)

FireLane

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Re: 2020 FIRE Cohort
« Reply #1991 on: December 01, 2020, 11:01:19 AM »
Today was my day, but I've decided I'm not quitting just yet.

Money isn't an issue, as I'm well above my original FIRE number. The issue is that I was planning to travel and visit friends after FIRE, and while the pandemic is raging, that's not on the table. As long as I'm stuck at home, I might as well work a little longer and make a little more money to pad the stash.

Besides, my job isn't too stressful. It's been 100% work-from-home since March, and I negotiated a three-day workweek in September. I feel like I'm on a nice, easy glide out the door, which is just what I wanted.

I'm figuring I'll do this until a vaccine is rolled out, which I'm hoping will be by next spring. If you like, you can put me down as "Working part-time, OMY until COVID vaccine".

I have to say, I'm impressed with the number of people who are retiring this year, even with COVID-19 still going on. That's some badass courage!

bownyboy

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Re: 2020 FIRE Cohort
« Reply #1992 on: December 01, 2020, 11:50:30 AM »
Today was my day, but I've decided I'm not quitting just yet.

Money isn't an issue, as I'm well above my original FIRE number. The issue is that I was planning to travel and visit friends after FIRE, and while the pandemic is raging, that's not on the table. As long as I'm stuck at home, I might as well work a little longer and make a little more money to pad the stash.

Besides, my job isn't too stressful. It's been 100% work-from-home since March, and I negotiated a three-day workweek in September. I feel like I'm on a nice, easy glide out the door, which is just what I wanted.

I'm figuring I'll do this until a vaccine is rolled out, which I'm hoping will be by next spring. If you like, you can put me down as "Working part-time, OMY until COVID vaccine".

I have to say, I'm impressed with the number of people who are retiring this year, even with COVID-19 still going on. That's some badass courage!

I know what you mean! Thats my thinking now too. My contract finishes on the 18th December and the original plan like you was to go travelling and start doing 'stuff'.

Instead I've been contacted about some potentially another contract in Jan which I thinking I might as well take while we're all in lockdown.

Working from home is great. Don't miss the commute at all, and it means some more £££ in the bank.




Linea_Norway

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Re: 2020 FIRE Cohort
« Reply #1993 on: December 01, 2020, 11:51:23 PM »
Today was my day, but I've decided I'm not quitting just yet.

Money isn't an issue, as I'm well above my original FIRE number. The issue is that I was planning to travel and visit friends after FIRE, and while the pandemic is raging, that's not on the table. As long as I'm stuck at home, I might as well work a little longer and make a little more money to pad the stash.

Besides, my job isn't too stressful. It's been 100% work-from-home since March, and I negotiated a three-day workweek in September. I feel like I'm on a nice, easy glide out the door, which is just what I wanted.

I'm figuring I'll do this until a vaccine is rolled out, which I'm hoping will be by next spring. If you like, you can put me down as "Working part-time, OMY until COVID vaccine".

I have to say, I'm impressed with the number of people who are retiring this year, even with COVID-19 still going on. That's some badass courage!

I know what you mean! Thats my thinking now too. My contract finishes on the 18th December and the original plan like you was to go travelling and start doing 'stuff'.

Instead I've been contacted about some potentially another contract in Jan which I thinking I might as well take while we're all in lockdown.

Working from home is great. Don't miss the commute at all, and it means some more £££ in the bank.

It sounds like people should have had the option to work from home for a long time. Much less stress commuting (and better for the environment).

Good luck to both of you.

Linea_Norway

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Re: 2020 FIRE Cohort
« Reply #1994 on: December 01, 2020, 11:52:24 PM »
Officially turned in my notice.   My last day is December 17th but I have to come in on Jan 4 to get paid  for the 2 weeks off at Xmas and turn in my computer.

Morning, after months of procrastination, I handed in my notice yesterday. My contract ends 31st Dec (I didn't want to get booted out of the cohort ) but my last working day will be either the 14th or the 24th, I'm negotiating that one today.

Squeeee!

Well done, both of you.

Linea_Norway

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Re: 2020 FIRE Cohort
« Reply #1995 on: December 02, 2020, 12:01:20 AM »
People who are pulling the trigger - what's the plan?   How are you finding exiting in the middle of the mess? What do you *do* given all the restrictions?

I am staying within my own country. My activities are not depending on visiting crowded places or travelling around the world. Without Corona, I would have been cycling through Europe in the spring, but that has to wait for some other year. I enjoy being at home and around the house, or outside in the local forest. Or hiking in the mountains. The can all be done within the restrictions. We also own a mountain cabin that we visit regularly. Currently we are (for two weeks) renting a private apartment very far to the north to experience the northern winter without sunlight for once. We drove up there to avoid flight cancellations and chance for infections on a plane. But it was a long drive.

Linea_Norway

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Re: 2020 FIRE Cohort
« Reply #1996 on: December 02, 2020, 12:34:41 AM »
I'm figuring I'll do this until a vaccine is rolled out, which I'm hoping will be by next spring. If you like, you can put me down as "Working part-time, OMY until COVID vaccine".

I don't think the virus will be available for everyone in non-prioritized groups next spring. I expect it to be closer to next fall but we'll see. At least, it will be a lot of virus to produce and it will simply take time and capacity. Let's hope they will let other labs help producing it, as they have done with some labs in Europe where Germany will produce the Moderna vaccin.

Alternatepriorities

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Re: 2020 FIRE Cohort
« Reply #1997 on: December 02, 2020, 11:40:08 AM »
I'm figuring I'll do this until a vaccine is rolled out, which I'm hoping will be by next spring. If you like, you can put me down as "Working part-time, OMY until COVID vaccine".

I don't think the virus will be available for everyone in non-prioritized groups next spring. I expect it to be closer to next fall but we'll see. At least, it will be a lot of virus to produce and it will simply take time and capacity. Let's hope they will let other labs help producing it, as they have done with some labs in Europe where Germany will produce the Moderna vaccin.

Last I saw the officials are claiming everyone who wants a vaccine in the US will be able to get vaccinated by June. They may be counting on the 40% of the population I last read is planning to wait to achieve that though.

I'm more or less on the same path FireLane except for being self-employed. As you can probably relate, it's dark and cold outside this time of year, I might as well spend some time at the computer. Though I did just see an opening for coordinating the construction of hiking trails in Alaska I might have apply for... That could end my retirement before it gets started... I was thinking of volunteering with the group next year anyway...

Maybe I can still claim RE if I took that job. From the application: "This is not a strictly 9-5 job, but instead requires a continuing focus on Trails Initiative goals and ways to reach them."
« Last Edit: December 02, 2020, 11:44:13 AM by Alternatepriorities »

lemanfan

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Re: 2020 FIRE Cohort
« Reply #1998 on: December 02, 2020, 11:53:54 AM »
People who are pulling the trigger - what's the plan?   How are you finding exiting in the middle of the mess? What do you *do* given all the restrictions?

Well... all plans shut down for me.  Have hardly left my city since March.  I must say I find it very hard to find anything exiting.  One day after the next between the four walls of my apartment or walking the same roads I walk every day, just to get outside.  And since I'm from Scandinavia, the days are short and dark and yet we have no snow where I live.

I watch clips on Youtube and read books and try to prepare mentally for the spring.

Sorry for being a downer. :)

exit2019

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Re: 2020 FIRE Cohort
« Reply #1999 on: December 02, 2020, 02:28:57 PM »
I'm more or less on the same path FireLane except for being self-employed. As you can probably relate, it's dark and cold outside this time of year, I might as well spend some time at the computer. Though I did just see an opening for coordinating the construction of hiking trails in Alaska I might have apply for... That could end my retirement before it gets started... I was thinking of volunteering with the group next year anyway...

I would love to know where you found the hiking trails opportunity.

 

Wow, a phone plan for fifteen bucks!