Author Topic: 2025 Fire Cohort  (Read 22729 times)

Scrooge

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Re: 2025 Fire Cohort
« Reply #150 on: April 10, 2017, 10:12:10 AM »
Yo.

I'm joining this group as well. I was hoping to reach the 2021 level. But as I get older, I get more realistic. It could be possible in theory still. But I know that with inflation, the world economy and a pinch of the so-called "life" that happens when you plan things, I'm not going to make it by that time.

2025? Sure, more plausible. But I'll be 44 by then. Four years past what I originally hoped.

- I'm 36 this year

- My stache is 165 000 EUR currently

- It's gaining yearly in savings 20 - 25 000 EUR. I'm not counting any investing appreciation here currently, as to be frank, my investment percentage is low currently. The market's too hairy for me these days, so I'm on the sidelines from heavy investing, focusing on living expenses and the savings process itself. Pretty much following along the original ERE master, Jacob. Accumulation and costs are the most important at the moment. Those are the factors I can predict and affect.

- I'm saving approximately 66% of my net income, and my yearly costs are around 12 - 13 000 EUR.

With these figures one would think retirement comes sooner than that. I doubt it however.
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Linda_Norway

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Re: 2025 Fire Cohort
« Reply #151 on: April 10, 2017, 11:31:56 AM »
Yo.

I'm joining this group as well. I was hoping to reach the 2021 level. But as I get older, I get more realistic. It could be possible in theory still. But I know that with inflation, the world economy and a pinch of the so-called "life" that happens when you plan things, I'm not going to make it by that time.

Yes, realism sucks. I know pretty much for sure that I'll be able to FIRE in 2023, but am often calculating for ways to start some years earlier. And that is where realism kicks in again.
« Last Edit: April 19, 2017, 07:51:47 AM by Linda_Norway »

Gone_Hiking

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Re: 2025 Fire Cohort
« Reply #152 on: April 17, 2017, 10:20:32 PM »
Joining in!   In the fall of 2025 our kid is expected to enter college and we will be 54.  Looking to FI at the end of 2025.  DH might object to RE, but then again, he might change his mind.  W

My biggest concerns in retirement (other than what to do with the money) are taxes and health care. Will definitely be buying a house when I retire, and looking to move out of state. I live in one of the most expensive housing markets in CA, plus CA taxes are not that great.  Am also getting very serious about my health. I'm overweight, which is a negative indicator for all sorts of health issues.


Healthcare is something I think about also.  I like you am overweight and was starting to notice shortness of breath on easy stair climbs while carrying luggage but carrying 50 extra pounds on me explains it.  I found Vinnie Tortorich on a podcast and decide to go that direction.  Couldn't be happier with his method NSNG (No Sugar No Grain).  I have lost 29 lbs since Dec and my goal is to get to 190 lbs (50lb loss total).  The best thing about his method is you are never hungry and it is easy once you get the hang of it.  I have done all that without exercise so far.  I am going to try to start doing something steady this summer to get my health even better.

On topic I am close to moving into the 2024 category but I will stay here for now.  Using a 4% withdraw rate and 6% return rate I am in Feb 2025.  Was much deeper in 2025 before so I hope that trend keeps up.

Same here - DH and I will be 54 at the end of 2025 and healthcare is something that concerns us.  While we eat reasonably well and exercise regularly, DH has started a low dose of statin lately that even vegetable-rich diet cannot eliminate.  The NSNG diet sounds intriguing, by the way.

This is my first post to the cohort thread - based on my calculations, DH and I should be ready for FI at the end of 2025.  Our offspring will be in college by then.  DH is not on board so much, but I think he will come around once I throw the first million his way.

neverrun

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Re: 2025 Fire Cohort
« Reply #153 on: April 18, 2017, 05:25:15 AM »
For me 2025 is incredibly safe, (immediate pension, keeping health benefits) but when it comes to my 'stache it means that I will have a shit ton more than I need.  Right now I'm minimally FI, I'd need to make some pretty dramatic living changes although some of it might be mitigated moving to ACA.  But my conservative Health care/property tax budget eats up 1/2 of that minimal RE budget so I'd have to move to cheaper place long term etc.

The estimated tipping point between minimal RE and comfy RE gets me less than 5 years away from my "full" retirement at age 47 which brings up the question of do I stay for just a little while to change from comfy RE to "luxury" RE. 

FL_MM

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Re: 2025 Fire Cohort
« Reply #154 on: May 30, 2017, 06:41:55 PM »
2025 if not sooner...go market returns!!  I'd be a bit older than most in 2025, so only have to use bridge funds for a few years. I have 14 x saved and a paid off mortgage.
« Last Edit: July 04, 2017, 08:09:06 AM by FL_MM »

yourusernamehere

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Re: 2025 Fire Cohort
« Reply #155 on: May 30, 2017, 06:43:06 PM »
I love when you guys post! The notification comes up and reminds me that 2025 is getting closer.

oneday

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Re: 2025 Fire Cohort
« Reply #156 on: May 30, 2017, 11:28:09 PM »
I love when you guys post! The notification comes up and reminds me that 2025 is getting closer.

+1!
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dougules

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Re: 2025 Fire Cohort
« Reply #157 on: June 02, 2017, 03:49:49 PM »
I love when you guys post! The notification comes up and reminds me that 2025 is getting closer.

Post?

yourusernamehere

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Re: 2025 Fire Cohort
« Reply #158 on: June 02, 2017, 04:05:47 PM »
I love when you guys post! The notification comes up and reminds me that 2025 is getting closer.

Post?
Or... comment? Is "post" wrong?

frugalecon

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Re: 2025 Fire Cohort
« Reply #159 on: June 02, 2017, 06:18:40 PM »
I love when you guys post! The notification comes up and reminds me that 2025 is getting closer.

Post?
Or... comment? Is "post" wrong?

I think "post" is just fine. Btw, my countdown spreadsheet informs me I have 1715 working days until my 2025 date. Just wonder if I will fall prey to the OMY illness at that time.

TomTX

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Re: 2025 Fire Cohort
« Reply #160 on: June 03, 2017, 03:44:38 PM »
I love when you guys post! The notification comes up and reminds me that 2025 is getting closer.

Post?
Or... comment? Is "post" wrong?

I think "post" is just fine. Btw, my countdown spreadsheet informs me I have 1715 working days until my 2025 date. Just wonder if I will fall prey to the OMY illness at that time.

I'm in this thread for inspiration to get out 2 years early from my "pension available" date in 2027, which would kick the pension start actually out to 2029.
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Canadian Ben

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Re: 2025 Fire Cohort
« Reply #161 on: June 28, 2017, 10:26:25 AM »
My hat! it just fell into this ring.

I'm 27 and right now, without changes I should be able to FIRE in 2025, but I'm going to keep optimizing in order to bring that time down, but it's pretty hard going as I'm already pretty bare-bones except for housing. (housing should be solved with a roommate, allowing me to possibly move a couple years lower!

So howdy all, and I say this in the best meaning way possible, let's see if we can see each other less long (2023-2024)!

Sapphire

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Re: 2025 Fire Cohort
« Reply #162 on: June 30, 2017, 10:22:32 PM »
Waving to all to say hello 2025.

After considerable time lurking, learning (wish I had found this stuff 20 years ago!), planning and (now) posting, we're in for 2025.  We are also late party arrivers (I'll be 55 and DH 56 in 2025) but we got here...

The mortgage will be paid off, we'll both have a reasonable stache in superannuation (Australia's version of 401s, except we can't touch it until we hit 60); and enough outside of super to carry us until 60.

I really like my job but it takes up a great deal of time and mental energy.  Over the next 8 years, I'm going to focus on continuing to enjoy my job (I don't want to feel like I'm serving a sentence!) and plan some great holidays to have things to look forward to.  Our youngest child finishes high school this year so a lot of the hands on parenting is reduced, which frees us up more.



 

Fire2025

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Re: 2025 Fire Cohort
« Reply #163 on: July 01, 2017, 05:45:54 AM »
I'll be 55 and DH 56 in 2025

One plus for us oldies but goodies, we can withdraw from our 401k without penalty at 55.  Little silver lining there.

Quote
If you are 55 years old or older in the year you left your job and you need to take a distribution of your retirement plan funds immediately, you should leave the money in your company plan and take your withdrawals from there. The reason is because distributions from your company plan, when you leave the company in the year you turn age 55 or later, are not subject to the 10% early distribution penalty if you no longer work for that company (or what the tax code refers to as “separation from service”). Remember, though, that the distribution would still be subject to federal income taxes.

It’s the year you turn age 55 that matters. For example, in one Tax Court case, the Court ruled that a person was liable for the 10% penalty for an early distribution made from her company retirement plan. Although her distribution took place after she turned age 55, she left her job when she was just age 53, which disqualified her from being eligible for the age 55 exception to the 10% penalty. It’s the year someone separates from service that matters, not the distribution date. To qualify for the penalty exception, separation from service must occur in the year the person turns age 55 or older.

TomTX

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Re: 2025 Fire Cohort
« Reply #164 on: July 01, 2017, 04:46:34 PM »
Waving to all to say hello 2025.

After considerable time lurking, learning (wish I had found this stuff 20 years ago!), planning and (now) posting, we're in for 2025.  We are also late party arrivers (I'll be 55 and DH 56 in 2025) but we got here...

The mortgage will be paid off, we'll both have a reasonable stache in superannuation (Australia's version of 401s, except we can't touch it until we hit 60); and enough outside of super to carry us until 60.

If I didn't have to worry about medical, I could almost certainly pull the plug in 2025. Means I would get my pension in 2029.

If I can't cover medical, I need to wait for the pension. Which will be 2027 if I work straight through.
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Sapphire

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Re: 2025 Fire Cohort
« Reply #165 on: July 01, 2017, 07:40:59 PM »
Fire2025 I envy you being able to access your 401s at 55.  The government here increased our ability to access our superannuation from age 55 to 60 years some time ago.  I suspect they will try to further increase the superannuation age accessibility again in the future to 65 years, but hopefully we should get plenty of notice about it and can respond accordingly.

TomTX, we are lucky re our health care costs – we have a universal health care system and a much cheaper private health insurance system than you appear to have.  I have a private family health insurance policy with no excess on it which cost $379.00 per month.  It includes hospital cover and extras cover (dental, optometry etc).  Our doctor “bulk bills” which means it is “free” go to the GP.  I feel incredibly lucky we have this system, when I read about some of the medical costs you face. 

TomTX

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Re: 2025 Fire Cohort
« Reply #166 on: July 01, 2017, 08:39:00 PM »
Fire2025 I envy you being able to access your 401s at 55.  The government here increased our ability to access our superannuation from age 55 to 60 years some time ago.  I suspect they will try to further increase the superannuation age accessibility again in the future to 65 years, but hopefully we should get plenty of notice about it and can respond accordingly.

TomTX, we are lucky re our health care costs – we have a universal health care system and a much cheaper private health insurance system than you appear to have.  I have a private family health insurance policy with no excess on it which cost $379.00 per month.  It includes hospital cover and extras cover (dental, optometry etc).  Our doctor “bulk bills” which means it is “free” go to the GP.  I feel incredibly lucky we have this system, when I read about some of the medical costs you face.

Even with employer supplied insurance, I'm paying almost $600 a month just for the coverage. Then I have copays for GP doctor visits, and pay 20% for everything else.
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Bird In Hand

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Re: 2025 Fire Cohort
« Reply #167 on: July 01, 2017, 10:33:16 PM »
2025 is probably in the ballpark, so I'll join.  DW and I will be in our upper 40's then, which still counts as RE I think.

We've saved 19x-23x our expected retirement expenses, with the range representing a slightly higher down to slightly lower standard of living.  If we include our mortgage equity, we've saved 23x-28x.

If we keep making the same mortgage payments that we have been making for the last ~7 years, the mortgage should be gone in ~3 years.  At that point we could afford to drastically increase our after-tax savings, or downshift and coast ESR-style while our 'stache (hopefully) grows to a number that screams 'RE!' to us.

Anette

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Re: 2025 Fire Cohort
« Reply #168 on: August 24, 2017, 03:01:00 PM »
Hi all would like to join, too.
Living in Germany and my husband and I are hoping to FIRE in 2025. So far we have only saved 4x, but we figure we might just save enough to bridge the time until retirement (67).
With our system it will be a lot cheaper to keep a part time job(15%) and be able to keep full health insurance coverage through that. We are still supporting 4 children and we still have a mortgage.
I feel lucky I found the mmm blog 6 month ago and this community. Also feel lucky my husband got on board.
He is not super interested in reading up on things but thinks it will be wonderful to be able to spend more time together.
Oh and we got started late. We will both be 55 in 2025! And we were really stupid with money most of the 25 years that we have been married ( not that we made much for the first 10)
Anyway, it is great to learn from all of you!

skiddieleet

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Re: 2025 Fire Cohort
« Reply #169 on: September 09, 2017, 04:05:29 PM »
I'm also shooting for 2025, the year I turn 40.

Same, turning 40 and I think I can be FI by then.  There was a thread on reddit about how 300K is about halfway to 1M taking into account compounding and depending on your yearly contribution.  So I'm banking on that and calling it to say I will be FI by 2025.

I'm starting to think 2030 is more realistic for my wife and I.  Although we've been talking about downsizing our house.  I'd love to downsize and pay it off in a couple years, live closer to work and our parents, and have a lower tax burden forever.

Maybe if we play our cards right 2025 could still be in the cards.

tj

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Re: 2025 Fire Cohort
« Reply #170 on: September 09, 2017, 07:08:22 PM »
I'm also shooting for 2025, the year I turn 40.

Same, turning 40 and I think I can be FI by then.  There was a thread on reddit about how 300K is about halfway to 1M taking into account compounding and depending on your yearly contribution.  So I'm banking on that and calling it to say I will be FI by 2025.

I'm starting to think 2030 is more realistic for my wife and I.  Although we've been talking about downsizing our house.  I'd love to downsize and pay it off in a couple years, live closer to work and our parents, and have a lower tax burden forever.

Maybe if we play our cards right 2025 could still be in the cards.

I downsized to a 1 bedroom co-op apartment in Arizona. I paid less than $50k for it. :D I don't plan on ever moving as long as I'm single.

TomTX

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Re: 2025 Fire Cohort
« Reply #171 on: September 09, 2017, 07:38:52 PM »

I downsized to a 1 bedroom co-op apartment in Arizona. I paid less than $50k for it. :D I don't plan on ever moving as long as I'm single.

City? Monthly fees/HOA? Is the HOA fiscally responsible?
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tj

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Re: 2025 Fire Cohort
« Reply #172 on: September 10, 2017, 11:08:27 AM »

I downsized to a 1 bedroom co-op apartment in Arizona. I paid less than $50k for it. :D I don't plan on ever moving as long as I'm single.

City? Monthly fees/HOA? Is the HOA fiscally responsible?

There are several co-ops in both the Phoenix and Tucson metros. E.G., Here's one in Tucson for $22k: https://www.redfin.com/AZ/Tucson/1776-S-Jones-Blvd-85713/unit-N206/home/117896191

Monthly fees here in Scottsdale are in the range of $200ish-$300ish depending on the size of the unit. There is everything from a studio apartment to a 3 bedroom townhouse. Monthly fees includes water, sewer, trash, property taxes, building insurance, water heater replacement, and air conditioner replacement. My water heater needed to be replaced when I moved in. Apparently the previous occupant never turned on the gas/hot water!

I'm satisfied with the financials, but you're always at the mercy of a board of directors who is hopefully competent when buying into this sort of thing.

rentalnewbie

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Re: 2025 Fire Cohort
« Reply #173 on: September 12, 2017, 12:23:29 PM »
I am going to join this thread as 2025 is our goal year for FIRE. Honestly it's so far out right now that I'm not sure we can hit it but my original goal when joining MMM was age 40, which me and my SO will both hit in 2025. I am impressed that it seems so settled for many of you when it's 9 years away and so much can happen!

Our current status:
- modest 401(k)/IRA with 2x expenses (and growing!)
- .5x expenses liquid, which will be a future "forever" house down payment/pay for our wedding & honeymoon next year
- 1 rental house + house we currently live in, which will become rental #2 (these are both mortgaged at slightly less than 80%currently)

Right now our FIRE spreadsheet has us targeted at age 44, however, that doesn't include any wage growth that we can reasonably expect or income from our to be acquired rental properties. The key for us, will be to pay off our primary residence and 2-3 rentals. After we get our "forever" house (~2 years), we'll focus on paying off the properties for a while before we buy more.

Just checking in since it's been close to a year! How are everyone's goals looking 8 years out?

I think we are doing well but it's very hard to say what our savings rate is because we spent so much on our wedding last year and this year and combined my spending with my now husbands spending, so I don't know where our spending baseline is anymore. Next year I should have a better idea.

Status update:
- Our net-worth surpassed 100k at the beginning of the year according to Mint, I would say we actually hit it later because it is generous in its property valuations
- My SO and I are married now and our wedding is fully paid for + a few thousand paid back to us from credit card hacking
- We've decided to stay in our townhouse for now and look for a 2nd rental, delaying an up-size in house for us probably 2 years. There is nothing decent looking on the market unfortunately so we continue to look and save.

AK

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Re: 2025 Fire Cohort
« Reply #174 on: September 12, 2017, 12:29:25 PM »
Since becoming self-employed a year ago, my income has gone up steadily but it's irregular. If it can be kept up for a few more years, I may be able to join the 2021 cohort but planning on staying here to be conservative. Am expecting to pay off the student loans next year which is 3 years ahead of schedule on top of maxing out all tax-advantaged accounts. My stretch goal is paying off the auto loan too. Overall, things have never been better. Hope everyone is still making progress too :)

Canadian Ben

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Re: 2025 Fire Cohort
« Reply #175 on: September 12, 2017, 03:28:06 PM »
When I first tracked when I could retire this summer, it was at the end of 2025, now it's closer to the beginning! hopefully as the years advance, I get to steal back a couple of years for myself!

swashbucklinstache

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Re: 2025 Fire Cohort
« Reply #176 on: September 12, 2017, 05:19:46 PM »
Yah chief, sign me up. Likely as FI rather than FIRE, with a few extra years to pad on after, but so much could change from now to then. Aged 27, 8.5x current expense saved, no house, 65% or so savings rate give or take. Single, readiness-to-mingle currently TBD

Well, there was my original post in 12/2016! In the intervening 9 months I've moved from 8.5x current expenses to 10.96x and upped my savings rate a few percentage points! I'm still an immature smartass though :).

My life is so far from where it'll be in 2025 that it's hard to say how i'm doing, but things are headed in the right direction. I could be in the 650k-900k range if things go roughly how they've gone so far. The high end of that is looking damn near the end of things for full-time worker bee me if I'm still single and childless at that time, or at least time to ask for a stupid amount of money not to go a-wanderin'.

Hope everyone else is on track, too.
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oneday

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Re: 2025 Fire Cohort
« Reply #177 on: September 12, 2017, 06:08:02 PM »
2025 is our stretch goal.  Currently have 3.3x spending in pre- & post-tax savings accounts, but will also get a substantial pension when Mr. O retires.  So yeah, it's a stretch, but I would love to retire with you all!!!

Well, a year can change a lot.  Mr. O (soon to be Mr. X) and I are divorcing.  I will probably give up claim to his pension in exchange for the real estate.  That will have a really big impact on my net worth.  No hard numbers yet, as the actuaries are still working on the pension calculations.
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Sapphire

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Re: 2025 Fire Cohort
« Reply #178 on: September 12, 2017, 06:21:00 PM »
2025 is our stretch goal.  Currently have 3.3x spending in pre- & post-tax savings accounts, but will also get a substantial pension when Mr. O retires.  So yeah, it's a stretch, but I would love to retire with you all!!!

Well, a year can change a lot.  Mr. O (soon to be Mr. X) and I are divorcing.  I will probably give up claim to his pension in exchange for the real estate.  That will have a really big impact on my net worth.  No hard numbers yet, as the actuaries are still working on the pension calculations.

Sorry to hear this Oneday.

oneday

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Re: 2025 Fire Cohort
« Reply #179 on: September 12, 2017, 11:54:33 PM »
Thanks for they sympathy, Sapphire.  The good news is that it was a long time coming, so the split is reasonably amicable.  The biggest down side is financial.  Between the two of us, we now have to support 2 households instead of 1.
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Laura33

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Re: 2025 Fire Cohort
« Reply #180 on: September 13, 2017, 06:54:57 AM »
Ah, crap, sorry oneday.  Hope you can still stay with us here at the 2025 party. :-)

I think we're doing well.  It's been a year of adjusting attitudes and expectations more than anything, and progress can be slow (see my "how do you not kill your DH" thread for an example).  But I have been very clear with him about my belief that we can live on a lot less than we are planning; he is not there yet, but he has started to at least joke about things like, "well, you could pack me a lunch everyday," which would have been unthinkable in years past (he goes out to lunch with the guys every freaking day).  I'm also finding my own mental attitude changing; really focusing on the value of what I spend has me wanting less and less stuff and valuing my time more and more -- the only clothes I have bought this year were some gym clothes that I actually needed for Crossfit, I haven't paid for a haircut in over a year, and I have started trying the non-department-store cosmetic options for the few things I actually use.  Not that I've gone cheap -- I do have a massively stupid car.  :-)  But I love that infinitely more than I enjoy clothes or makeup.  And it feels good to move away from throwing money at crap that I don't care about.  I think we'll be dropping some memberships this fall that we haven't been using, which, again, will help the budget a fair bit.

So right now, we're still at 2025.  My secret hope is that I can convince DH to cut the current spend some and lower his ridiculous RE budget so that I can move up to an earlier group, like 2020 (I really don't see how we're going to spend 50% MORE than we do now, even with all the travel we want to do!).  But he thinks 12 yrs is more likely, so 2025 is still our compromise.
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chasingthegoodlife

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Re: 2025 Fire Cohort
« Reply #181 on: September 13, 2017, 03:02:33 PM »
Sorry to hear that oneday. I'm hoping things turn out as well as they can with your settlement and life leads you in exciting directions.

Slowly chipping away here. The stash is moving in a positive direction despite a very spendy year (car died, roof repairs, getting married and desperately trying to have a 'non wedding' against others' expectations).

I can't quite remember what I used as my estimated yearly spending when I joined this thread and said I was at 14x expenses. Best guess, I am now at 18x that barebones number taking into account the recent value increase to my rental property, or 16x playing it safe.

Enjoying life as it is and will just keep rolling until it feels right

Wakeuprich

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Re: 2025 Fire Cohort
« Reply #182 on: September 13, 2017, 03:12:14 PM »
Hi all! Long time lurker here from the UK.

I discovered MMM about three years ago whilst in my final year of university! What a great discovery that turned out to be!

I'm now 24, having attempted to practice the mustachian way of life since joining the real world and getting an actual proper adult job two years ago.

I just wanted to say a big thankyou to MMM and a huge portion of you here on the forum, for giving me the wisdom and knowledge to know what can be achieved by being sensible with money!

oneday

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Re: 2025 Fire Cohort
« Reply #183 on: September 13, 2017, 03:18:41 PM »
Thank you for the kind words Laura33 and chasingthegoodlife.  We all have our challenges, be it spendy spouse, wedding, divorce or whatnot.  I still have 8 years & 4 months to retire in the class of 2025 (Dec 31 counts! :).  Won't know if that's reasonable until the assets have been divided, so I'll hopefully be able to update here by year end.

Laura33, is your avatar a picture of John Lithgow from Bucaroo Banzai???
Motto for 2017: “A year from now you may wish you had started today.” ~ Karen Lamb

Journal: http://forum.mrmoneymustache.com/journals/guess-i'll-start-a-journal-oneday/

Gondolin

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Re: 2025 Fire Cohort
« Reply #184 on: September 13, 2017, 03:58:04 PM »
Good vibes to oneday.

It looks like I will hit my spending goal for 2017 and am up to about x6 expenses. So far, so good.
"There cannot be two skies"

Laura33

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Re: 2025 Fire Cohort
« Reply #185 on: September 13, 2017, 05:20:23 PM »
Laura33, is your avatar a picture of John Lithgow from Bucaroo Banzai???

Well spotted!  Knew I liked you.  ;-)
Laugh while you can, monkey-boy

oneday

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Re: 2025 Fire Cohort
« Reply #186 on: September 13, 2017, 05:50:29 PM »
Thanks, Gondolin.  You have a very nice report here, it's good to see that so many people are successfully working towards this goal over time.
Motto for 2017: “A year from now you may wish you had started today.” ~ Karen Lamb

Journal: http://forum.mrmoneymustache.com/journals/guess-i'll-start-a-journal-oneday/

oneday

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Re: 2025 Fire Cohort
« Reply #187 on: September 13, 2017, 06:00:17 PM »
Laura33, is your avatar a picture of John Lithgow from Bucaroo Banzai???

Well spotted!  Knew I liked you.  ;-)

Ha ha!  It was your signature that clued me in.  I am not really great with faces...
Motto for 2017: “A year from now you may wish you had started today.” ~ Karen Lamb

Journal: http://forum.mrmoneymustache.com/journals/guess-i'll-start-a-journal-oneday/

oneday

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Re: 2025 Fire Cohort
« Reply #188 on: September 13, 2017, 06:43:16 PM »
Laura33, is your avatar a picture of John Lithgow from Bucaroo Banzai???

Well spotted!  Knew I liked you.  ;-)

Ha ha!  It was your signature that clued me in.  I am not really great with faces...

Mr. O is trying to keep the Buckaroo Banzai DVD.  This could be the ugliest part of the divorce...lol
Motto for 2017: “A year from now you may wish you had started today.” ~ Karen Lamb

Journal: http://forum.mrmoneymustache.com/journals/guess-i'll-start-a-journal-oneday/

Laura33

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Re: 2025 Fire Cohort
« Reply #189 on: September 14, 2017, 05:52:07 AM »
Laura33, is your avatar a picture of John Lithgow from Bucaroo Banzai???

Well spotted!  Knew I liked you.  ;-)

Ha ha!  It was your signature that clued me in.  I am not really great with faces...

Mr. O is trying to keep the Buckaroo Banzai DVD.  This could be the ugliest part of the divorce...lol

Oh, honey, you gotta fight for that baby.

I finally got it on DVR.  Now I can never move or change providers.  :-)
Laugh while you can, monkey-boy