Author Topic: 2018 FIRE cohort  (Read 529080 times)

SwordGuy

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Re: 2018 FIRE cohort
« Reply #2300 on: February 06, 2019, 09:03:42 PM »
I've been making art again.  And designing pieces as well.   Damn, but that feels good.

Teaching the art classes is lots of fun and it's good for my soul.

Just registered for an art technique conference today.  It will take place this summer.   

We're going to another Regency era ball this summer, too.

Rental #4 is almost done.  Should be done by end of next week if all goes reasonably well.   Bad weather caused some delays.  Not understanding how much work painting the new deck instead of staining it was another.  (Never making that mistake again!)
Having my wife and daughter injured was another reason.   And just being in the doldrums and not working hard on it for the last two months was another.   It will be good to get it done and rented.

Still on the fence about turning Flip #2 into a single family house or leaving it as a duplex and renting it out.   A cute house next door to it isn't selling for a good sales price and it appears to be in fine condition.   We'll be starting on it after rental #4 is done.   After that I may take a break for a while (unless I find a *great* deal).     

As far as finances go, I'll be happy if we just keep the gains in the market we've had already this year.   

Cherry Lane

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Re: 2018 FIRE cohort
« Reply #2301 on: March 25, 2019, 09:35:14 PM »
A week ago I reached one year as a FIREee.  My, how the time has flown.  And yet, having a "real job" seems like a lifetime ago.

I haven't done a lot of what I'd planned, and FIREd life doesn't look quite how I thought it might, but I'm happy I'm here!

What about the rest of you?

sol

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Re: 2018 FIRE cohort
« Reply #2302 on: March 25, 2019, 10:40:41 PM »
I sort of un-retired, then decided that working isn't for me anymore.

I work out a lot more, as I expected I would.  I think I have bigger muscles right now than at any other time in my life, which isn't saying a lot but it's not nothing.

I've completed a whole long list of household projects, both inside and out.

I stopped a burglary at a neighbor's house, because I was home during the day.

I spend a lot more time with my aging parents, and my kids.  And my stress levels are almost unchartable, even in situation where I should probably rightfully feel stressed out.  Nothing really bothers me anymore, at least not the ways they used to.

I've taken on a couple of volunteer gigs, and gotten waaay more involved in them than I thought I would.  I have time and ability that no one else seems able to give.

Linea_Norway

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Re: 2018 FIRE cohort
« Reply #2303 on: March 26, 2019, 12:56:49 AM »

<>...  And my stress levels are almost unchartable, even in situation where I should probably rightfully feel stressed out.  Nothing really bothers me anymore, at least not the ways they used to.


I am so much looking forward to this. This last year feels very long.

davisgang90

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Re: 2018 FIRE cohort
« Reply #2304 on: March 26, 2019, 04:28:54 AM »
FIRE is great so far.  I've not worked out as much as I wanted to, time to change that.

I've found a good volunteer gig one night a week.  I'm in a Citizens Safety Academy for the next 8 months or so one night a week.  We go around my county to learn about the different emergency services to better understand their various roles.

I am looking for another job (don't tell the IRP!) to give back tot he community as a 911 operator.  I really enjoy helping people and also enjoy the stress associated with that kind of role.  We'll see if I make the cut.

TartanTallulah

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Re: 2018 FIRE cohort
« Reply #2305 on: March 26, 2019, 04:31:30 AM »
The thread is alive! Hello :-) One of the things I didn't expect from FIRE is that I'm spending SO much less time on this site now.

This chimes.

I just realized one of the things I love the most about being retired.  Nearly every day, at some point, I'm like, "What?!?  It's 2:30pm already?" or "oh crap, it's already 4pm!"  And I'm serious - I'm honestly shocked and super chagrined at how late it is, because I have so much more I want/need to do.  I can tell you no matter how much work I was bogged down in in the old days of jobbing, I never was concerned with how fast the day was going by.  Rather, I feel like there were very few days where I wasn't lamenting how slowly each day passed.  So while I'm often a bit distressed to realize I don't have as much time to enjoy or get stuff done as I'd like, it's certainly worth it to not be wishing my life would go by more quickly.

I'm amazed at how time runs away on my "retired" days, especially when I have something I want to do.

Nearly five months in, I'm still fair game for the IRP. My retirement work gig has grown a little (30 hours some weeks, though this is exceptional) and sprouted expectations of mandatory training. I don't mind the training now that I have sofa-time to do it. I've declined other work opportunities, including pleas from my former workplace, which remains in a state of constant drama. I'm so glad it's no longer my problem.

My husband still works there in a junior role and hasn't been treated well since I left. He'll be reducing his working hours next month, having been unable to prevent them from loading more and more tasks into his sessions. I support him, but a bit of me is thinking, "I'm not sure my retirement plan included being back to working more hours than you within six months." Another bit of me is thinking, "Walk, we've got enough FU money for you too, and it would be great if we could take vacations at short notice without you having to get the approval of a manager neither of us regards as fit for the job."

Although I'm quite enjoying the work I do, I enjoy my "retired" weekdays, with nothing to do and all day to do it, even more. Sometimes I don't do much more than "nothing" - a bit of reading, mooch around on the internet, go for a run or a bike ride, pick off a small housework task.

PhilB

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Re: 2018 FIRE cohort
« Reply #2306 on: March 26, 2019, 06:13:39 AM »
Although I'm quite enjoying the work I do, I enjoy my "retired" weekdays, with nothing to do and all day to do it, even more. Sometimes I don't do much more than "nothing" - a bit of reading, mooch around on the internet, go for a run or a bike ride, pick off a small housework task.
This chimed so much with me.  Sunday was bright and sunny, we rode into town to do a bit of shopping in the morning and pottered in the garden in the afternoon.  When we stopped for the day, just knowing that we could finish those tasks tomorrow or the day after or whenever was such a wonderful feeling compared to the days of 'Oh no, the weekend's over and we didn't get it all done!'

markbike528CBX

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Re: 2018 FIRE cohort
« Reply #2307 on: March 26, 2019, 12:29:15 PM »
Well, I've been so retired, I forgot that this is my cohort (I'm the OP of the 2019 thread).   

I agree that time goes past quickly.  My wife works 4 hours/day and by the time I'm up and about she's almost home.  I'm updating iTunes on my (new to me iPad 2). 

After FIRE, we spent a lot of time traveling so I fell down on 2019 thread upkeep.  Fortunately, @Trifele stepped up, but is now retiring too, so we'll see how the thread list updates go.

Nearly a year in, the spend levels look OK (could be better).

SwordGuy

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Re: 2018 FIRE cohort
« Reply #2308 on: March 26, 2019, 03:22:54 PM »
We retired last May and got off to a horrible start.  Wife and I both got horribly sick and stayed that way for much of May.   Wife messed up her ankle and then later her knee so she was in a wheelchair or on crutches for months.   Daughter fell and broke her leg so she was in a wheelchair.  (At one point, both needed a wheelchair at the same time.)

The two rental houses we picked up took more effort to get done that we expected, especially the 2nd one.  Partly because we underestimated how much delay there would be due to painting the new deck and partly because with all the other stuff that had been going on, I was running on empty.

And yet, I can't imagine how absolutely horrible all that inconvenience would have been if we still needed to work for a living!

Our FI status turned what could have been a financial disaster into a mere pain in the rear nuisance.

Now that the rentals are done I've been doing things around the house that needed doing.  Things like getting my woodshop and my wife's pottery studio organized so we can work in them plus some put-off repairs.   I've hosted two art party weekends and I start teaching my 2nd art class tomorrow.

We're starting to lose track of what day is what.   Missed putting the trash out on the right day last week!   

We've been doing more reading.

Now that we're all healthy again we'll start taking some 3-4 day trips.

FIRE Life is good.

Cherry Lane

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Re: 2018 FIRE cohort
« Reply #2309 on: March 26, 2019, 04:42:34 PM »
We're starting to lose track of what day is what.   Missed putting the trash out on the right day last week!   

Thanks for remiding me to get the trash out tonight!  I've only been remembering about once per three weeks. Fortunately I don't generate much trash.

Quote
FIRE Life is good.

I'm glad you are finding that, despite your initial setbacks.  I agree!

Linea_Norway

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Re: 2018 FIRE cohort
« Reply #2310 on: March 27, 2019, 01:31:54 AM »
We're starting to lose track of what day is what.   Missed putting the trash out on the right day last week!   

Thanks for remiding me to get the trash out tonight!  I've only been remembering about once per three weeks. Fortunately I don't generate much trash.

Quote

Our trash company sends out an SMS to every relevant household the evening before the collection. That is quite useful. Maybe you could request that they implement such a function?

DavidAnnArbor

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Re: 2018 FIRE cohort
« Reply #2311 on: March 27, 2019, 02:48:11 PM »
I succeeded in repairing some of the bathroom ceiling drywall with the help of a client/friend, and then I painted it white high gloss.

I'm still working part time but I feel like I have a good balance in my life, I mostly enjoy my work, and it is a social outlet for me.

Also, definitely working out more and really enjoying that a great deal. And I'm driving a whole lot less.

I did drive to the gym today and I was driving back I wondered about what would be a safe bike path to take in lieu of using a car to get there.

EnjoyIt

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Re: 2018 FIRE cohort
« Reply #2312 on: March 27, 2019, 04:41:43 PM »
I succeeded in repairing some of the bathroom ceiling drywall with the help of a client/friend, and then I painted it white high gloss.

I'm still working part time but I feel like I have a good balance in my life, I mostly enjoy my work, and it is a social outlet for me.

Also, definitely working out more and really enjoying that a great deal. And I'm driving a whole lot less.

I did drive to the gym today and I was driving back I wondered about what would be a safe bike path to take in lieu of using a car to get there.

Same with me, working part time about 2 days a week. I work out more with a better workout now each time since I have more time in the day. We eat better since we have more time to create new and exciting healthy dishes. I fill up my car now almost once a month instead of once a week.

I too want to ride my bike to the gym. It would take me about 30 minutes each way. Iím not too worried about the ride there, but the ride back especially after a leg workout scares me. One of these days it will happen.

Cherry Lane

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Re: 2018 FIRE cohort
« Reply #2313 on: March 27, 2019, 04:51:21 PM »
I did drive to the gym today and I was driving back I wondered about what would be a safe bike path to take in lieu of using a car to get there.

I bike to the gym (it's under 2 miles each way) and feel safer riding on a busy street than I do driving in the gym's parking garage.  I drove there some over the winter (<50%) and am happy to be back biking more again.

DavidAnnArbor

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Re: 2018 FIRE cohort
« Reply #2314 on: March 27, 2019, 08:54:02 PM »
If I bicycle there I will definitely be taking sidestreets and use sidewalks which are mostly empty on this route.

sol

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Re: 2018 FIRE cohort
« Reply #2315 on: April 04, 2019, 09:31:00 AM »
Weird Al song linked from the MMM blog frontpage on April 1st:  https://www.youtube.com/watch?v=GyV_UG60dD4

This dredged up all kinds of horrible feelings from inside of me, and then, finally, a calming sense of relief when I realized I never need to live in that world ever again.  If I ever try to efficiently synergize my core competencies again, someone please kick me in the balls.

sui generis

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Re: 2018 FIRE cohort
« Reply #2316 on: April 04, 2019, 09:59:58 AM »
A week ago I reached one year as a FIREee.  My, how the time has flown.  And yet, having a "real job" seems like a lifetime ago.

I haven't done a lot of what I'd planned, and FIREd life doesn't look quite how I thought it might, but I'm happy I'm here!

What about the rest of you?

I've been FIREd for almost 8 months now and I keep thinking that I just haven't quite yet really gotten a taste of it.  I'm not really there yet.  I started with "working" more hours than I ever did at work the first few months, on the 2018 mid-term elections (but unpaid).  Then I had a wedding to plan, an unexpected move and took on a few too many volunteer obligations, so that wasn't really "true" FIREd life either, was it?  Wedding is over and volunteer obligations have settled, but I still have to make a To Do list each and every day because I have a lot of work to do on our new home, we have two more trips/events to plan and I need a whole planning regime for a thru-hike I'm doing this summer.  And all the stuff I was going to do when I was FIREd?  Spanish, meditation, dancing classes, learning new skills?  Well...I am meditating, but that's it.  I have no time for my FIRE plans, so it feels like I'm still not really FIREd!

But....it sort of finally sunk in....as you say above, @Cherry Lane "FIREd life doesn't look quite how I thought it might."  But that doesn't mean I'm not really experiencing a true FIREd life.  And I'm quite happy, too.  Certainly many times happier than if I had to work and do most of these things on top of working and not be able to do some of the other things at all.  And if all goes well, I have 4 or 5 decades to fill and I don't expect my first 8 months will be indicative of what things will be like in a few years or a few decades.  It's a true adventure to see what will come!

davisgang90

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Re: 2018 FIRE cohort
« Reply #2317 on: April 04, 2019, 10:38:40 AM »
Weird Al song linked from the MMM blog frontpage on April 1st:  https://www.youtube.com/watch?v=GyV_UG60dD4

This dredged up all kinds of horrible feelings from inside of me, and then, finally, a calming sense of relief when I realized I never need to live in that world ever again.  If I ever try to efficiently synergize my core competencies again, someone please kick me in the balls.

Sweet Babelspeak Sol, but watch the Sailor!  Proactively "From the Sea"; An agent of change leveraging the littoral best practices for a paradigm breaking six-sigma best business case to synergize a consistent design in the global commons, rightsizing the core value supporting our mission statement via the 5-vector model through cultural diversity. 

(H/T CDR Salamander.  https://cdrsalamander.blogspot.com/)

chasesfish

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Re: 2018 FIRE cohort
« Reply #2318 on: April 04, 2019, 05:47:21 PM »
I'm really enjoying browsing through the 2018 forums now.  It seems the general theme is "how does the slowing down process go?"

Its already so easy to just keep operating at the prior pace.  Learning to slow down is part of the process

Daisy

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Re: 2018 FIRE cohort
« Reply #2319 on: April 16, 2019, 11:30:34 PM »
Weird Al song linked from the MMM blog frontpage on April 1st:  https://www.youtube.com/watch?v=GyV_UG60dD4

This dredged up all kinds of horrible feelings from inside of me, and then, finally, a calming sense of relief when I realized I never need to live in that world ever again.  If I ever try to efficiently synergize my core competencies again, someone please kick me in the balls.

Sweet Babelspeak Sol, but watch the Sailor!  Proactively "From the Sea"; An agent of change leveraging the littoral best practices for a paradigm breaking six-sigma best business case to synergize a consistent design in the global commons, rightsizing the core value supporting our mission statement via the 5-vector model through cultural diversity. 

(H/T CDR Salamander.  https://cdrsalamander.blogspot.com/)

Listening to this song reminded me of the corporate lingo used in one my old department's push for a "paradigm shift".

Management encouraged people to put a pair of dimes (get it...paradigm) in the plastic slot where their badges resided to join the "paradigm shift" movement.

DavidAnnArbor

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Re: 2018 FIRE cohort
« Reply #2320 on: April 17, 2019, 08:37:27 PM »
I went to a lecture this evening by a financial advisor on how to manage assets between 401k, 403b, and 457

It was very basic and I can't say I learned anything new or meaningful. In fact I kept interjecting about the value of rollovers to a Roth.

happy

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Re: 2018 FIRE cohort
« Reply #2321 on: April 22, 2019, 02:05:22 AM »
Its now 6 months since I went on Long Service Leave, hoping that I would not need to return to work and events transpired to make that so. I am still on leave, and will use up more leave, resigning in July.

As quite a few people have remarked, FIRE that Iím living doesnít look that much like the FIRE Iíd imagined. Within a few weeks of going on leave, my remaining parent took ill suddenly and died. I had hoped to have more time available to help out but thats not how things turned out. This lead to a whirlwind of clearing out 60 years of possessions from the family home, selling it, and trying to wind up my parents affairs, a process which is still onging.

Simultaneously the realestate project DS and I are working on took a series of unexpected twists and turns. This meant a few changes of direction, and ultimately resulted in constraints with cashflow that has slowed down progress quite a lot. However a DA is now finally sitting with council.

Whole of house renovations, part of the above project ( we are flipping), meant that our possessions have been variously packed and unpacked, shifted from one end of the house to the other and covered in dust despite our best efforts due to chasing plumbing into the slab, once for the bathrooms and once for the kitchen at the other end of the house. Added to that has been a huge influx of my parents thingsÖwe set an aspirational timeline for selling their house and it was quicker to bring stuff we werenít sure about disposing of back here. So wrangling too much stuff has featured prominently in the last 6 months and this is also ongoing.

In spite of this rather torrid beginning, some great things have also happened. Iíve lost about 7 kg, although I had hoped for more. I am a bit fitter, now walking several km regularly. Iím definitely less stressed, and loving the feeling of not having to have everything planned around my workdays. If I canít  or donít wish to fit something in, then it can be done another day. The dogs and I have been to the dog beach quite a lot. I now have 4 miniature goats. Iíve been on a great 2 week holiday with a mustachian friend and have planned another later in the  year. The veggie garden hasnít progressed as much, nor been as productive as I would have liked, but hopefully more progress will be made as some of the  earlier commitments are reducing. All in all, I would now say: living the dream :).

markbike528CBX

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Re: 2018 FIRE cohort
« Reply #2322 on: April 22, 2019, 11:50:56 AM »
Happy:
Nice to hear you're living the dream.
I've noticed quite a few FIREees taking on HUGE projects right at FIRE.
Your situation with your parents passing was forced on you, but many others haven't time to fully decompress( chill out) before starting the project(s) of a lifetime.. 

happy

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Re: 2018 FIRE cohort
« Reply #2323 on: April 22, 2019, 05:31:49 PM »
Its probably a detail that doesn't matter too much, ..but the real estate project started about 18 months ago, and absolutely  as the project of a lifetime that would enable me to retire doing what I wanted to do...living on a few acres: "homesteading" as Americans would say. So the big FIRE project started in advance of retirement and the renos were nearly finished when I went on leave, with a huge mess in the house. The date of the long service leave, either a prelude to retirement, or worst case scenario a mini retirement,  I had planned for at least 3 years in advance when I look back through some private financial musings.

Before the RE project, my life was more or less on auto-repeat...I had my expenses down, savings rate 60% and I was trundling along making my way to retirement in my career of over 30 years. Most things were familiar and predictable. RE project came along and things got more interesting, exciting and challenging. I thought when the leave came around, I would slow down: sort out and declutter the household possessions,  do more enjoyable chores around the place and have more time for family and friends. Instead everything sort of accelerated and piled up together..topped off with some grief and bereavement to boot. In spite of all the upheaval, I do feel more alive than I've felt in years and I wouldn't change a thing, except for my parent passing.

I too have noticed that others have retired and immediately faced some health or family challenges, or started on some immense projects. Maybe with the projects its all those things that one has always wanted to do, all piled up inside whilst sitting in a cubicle, that are suddenly released in retirement.

Linea_Norway

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Re: 2018 FIRE cohort
« Reply #2324 on: April 23, 2019, 02:17:51 AM »
At least, if you have family matters to spend time on, it is better to be FIRED and to have the time and resources to do so. My DH recently had to take 2 weeks off to visit his father when his mother was dying. Normally he would have worried about the potential impact on his career, being so long off work. But as this is our last working year, he doesn't care about it anymore.

happy

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Re: 2018 FIRE cohort
« Reply #2325 on: April 23, 2019, 04:13:20 AM »
Indeed, I spent a lot of my sick leave ( I can take this as carer's leave) in the last 6 months of both my parents lives...just coincidence but they both developed crescendoing health issues and due to their stubbornness/independence I often had to try to rescue the situation. In this last episode my brother said frequently how grateful he that I was on leave since we would have faced an impossible task trying to keep our respective jobs going.
« Last Edit: April 23, 2019, 04:31:23 PM by happy »

CowboyAndIndian

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Re: 2018 FIRE cohort
« Reply #2326 on: April 23, 2019, 08:07:52 AM »
2018 started with a bang with FIRE and ended with a whimper (sickness) for me. I returned from a 9-day trip to Mexico City and got Guillaume-Barre syndrome and spent 4 weeks in the hospital. Both Christmas and New Years in hospital :-(
I am doing much better now, got home a couple of days ago. I have a rigorous schedule of physical therapy and hope to be back to normal in a couple of months or so.

An update. I am walking normally and can walk almost a mile. My vision is improving, so for about half the day, I do not have double vision. Still working thru occupational therapy for my eyes. So, slowly inching my way back to normal.

I have been told to avoid crowded places since infection could retrigger GBS. So, I have spent a lot of time at home. The silver lining of having to stay home is that I have become fascinated by the birds around the house. I am spending time trying to learn about them. There are so many different birds in my neighborhood, I have only been able to identify the most common/colorful ones (cardinal, blue jay and robin). There are a bunch of raptors and song birds which I want to learn more about. What a fascinating hobby.

Also spending time updating the basic will, living will, etc. My old will had been done 20 years ago before my second son was born. Nothing like a health scare to drive you to action ;-) . Folks, please update your wills if it was done some time ago and review them annually if it was more recent.

Trifele

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Re: 2018 FIRE cohort
« Reply #2327 on: April 23, 2019, 08:17:23 AM »
I have become fascinated by the birds around the house. I am spending time trying to learn about them. There are so many different birds in my neighborhood, I have only been able to identify the most common/colorful ones (cardinal, blue jay and robin). There are a bunch of raptors and song birds which I want to learn more about. What a fascinating hobby.

Yes it is!  Have you checked out the Cornell Lab of Ornithology website?  www.allaboutbirds.org.  Lot's of great resources there -- photos, info, maps, audio recordings, etc. 

I highly recommend listening to audio recordings of birds to learn what the different species sound like; it will double or triple your enjoyment.  It's often easier to hear the bird rather than see it.  Knowing who it is you're hearing, and roughly what they are saying is really cool. 

SwordGuy

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Re: 2018 FIRE cohort
« Reply #2328 on: April 23, 2019, 08:30:21 AM »
In a week will be the 1 year anniversary of us retiring from our day jobs.

A lot of unexpected injuries kept us from doing things we had planned to do, but other than that, it's been great.


Net worth is down a bit since we retired but our stock/bond portfolio and our rental property portfolio is up. 

We spent too much. :(   Part of that was medical costs from injuries and my bad teeth.   Part of it was just spending too much.

Good news is we have 2 more rental properties operational.   We'll see profits from them starting in October 2019 and April 2020.  (We worked out a deal with the person helping us get them operational to let them have the profits for the first year's renting so we could minimize our cash out of pocket costs.)

So, starting in 2020 we'll need a 0% SWR for a few years.  One more operational rental by 2022 and we'll be able to keep a 0% SWR.   I like the idea of not needed to withdraw from our stock/bond portfolio except for unusual, one-off expenses instead of routine ones.

We're starting to spend more time on our hobbies and expect to be travelling more assuming my darling wife can avoid injuring herself any more this year.  (Just dropped a log on her foot, but thankfully only minor bruising - this time.)  Just small, mini-vacations this year.  I would like to take some longer trips next year after we get our spending stabilized a bit better.

CowboyAndIndian

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Re: 2018 FIRE cohort
« Reply #2329 on: April 23, 2019, 08:50:47 AM »
I have become fascinated by the birds around the house. I am spending time trying to learn about them. There are so many different birds in my neighborhood, I have only been able to identify the most common/colorful ones (cardinal, blue jay and robin). There are a bunch of raptors and song birds which I want to learn more about. What a fascinating hobby.

Yes it is!  Have you checked out the Cornell Lab of Ornithology website?  www.allaboutbirds.org.  Lot's of great resources there -- photos, info, maps, audio recordings, etc. 

I highly recommend listening to audio recordings of birds to learn what the different species sound like; it will double or triple your enjoyment.  It's often easier to hear the bird rather than see it.  Knowing who it is you're hearing, and roughly what they are saying is really cool.

Thank you, great resources. I have downloaded the eBird and Merlin app, both from Cornell Univ.

Working on learning about calls and identifying flying birds. I think it will be a little slow and hope to jump-start the process when I can go to some classes held by the Audubon society.

Also, found a meetup.com group, which I will go to after I get better. There is also an Audubon run preserve very close to home which I hope I can go to soon.
« Last Edit: April 23, 2019, 08:52:47 AM by CowboyAndIndian »

Trifele

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Re: 2018 FIRE cohort
« Reply #2330 on: April 23, 2019, 08:53:44 AM »
I have become fascinated by the birds around the house. I am spending time trying to learn about them. There are so many different birds in my neighborhood, I have only been able to identify the most common/colorful ones (cardinal, blue jay and robin). There are a bunch of raptors and song birds which I want to learn more about. What a fascinating hobby.

Yes it is!  Have you checked out the Cornell Lab of Ornithology website?  www.allaboutbirds.org.  Lot's of great resources there -- photos, info, maps, audio recordings, etc. 

I highly recommend listening to audio recordings of birds to learn what the different species sound like; it will double or triple your enjoyment.  It's often easier to hear the bird rather than see it.  Knowing who it is you're hearing, and roughly what they are saying is really cool.

Thank you, great resources. I have downloaded the eBird and Merlin app, both from Cornell Univ.

Working on learning about calls and identifying flying birds. I think it will be a little slow and hope to jump-start the process when I can go to some classes held by the Audubon society.

Also, found a meetup.com group, which I will go to after I get better. There is also an Audubon run preserve very close to home which I hope I can go to soon.

That's awesome.  Best of luck in your recovery!

CowboyAndIndian

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Re: 2018 FIRE cohort
« Reply #2331 on: April 23, 2019, 12:00:25 PM »
In a week will be the 1 year anniversary of us retiring from our day jobs.

A lot of unexpected injuries kept us from doing things we had planned to do, but other than that, it's been great.


Net worth is down a bit since we retired but our stock/bond portfolio and our rental property portfolio is up. 

We spent too much. :(   Part of that was medical costs from injuries and my bad teeth.   Part of it was just spending too much.

Good news is we have 2 more rental properties operational.   We'll see profits from them starting in October 2019 and April 2020.  (We worked out a deal with the person helping us get them operational to let them have the profits for the first year's renting so we could minimize our cash out of pocket costs.)

So, starting in 2020 we'll need a 0% SWR for a few years.  One more operational rental by 2022 and we'll be able to keep a 0% SWR.   I like the idea of not needed to withdraw from our stock/bond portfolio except for unusual, one-off expenses instead of routine ones.

We're starting to spend more time on our hobbies and expect to be travelling more assuming my darling wife can avoid injuring herself any more this year.  (Just dropped a log on her foot, but thankfully only minor bruising - this time.)  Just small, mini-vacations this year.  I would like to take some longer trips next year after we get our spending stabilized a bit better.

Nice, I wish  I could get rentals properties which meet the 1% and 2% rule in our area. I am one of those hands on people, so do not like to be a remote landlord.

Keep safe, your 2019 resolution should be "No more injuries!"

happy

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Re: 2018 FIRE cohort
« Reply #2332 on: April 23, 2019, 04:35:51 PM »
Quote
An update. I am walking normally and can walk almost a mile. My vision is improving, so for about half the day, I do not have double vision. Still working thru occupational therapy for my eyes. So, slowly inching my way back to normal.

Glad to hear you are improving... it can take a while.

Monkey Uncle

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Re: 2018 FIRE cohort
« Reply #2333 on: April 23, 2019, 06:50:26 PM »
I have become fascinated by the birds around the house. I am spending time trying to learn about them. There are so many different birds in my neighborhood, I have only been able to identify the most common/colorful ones (cardinal, blue jay and robin). There are a bunch of raptors and song birds which I want to learn more about. What a fascinating hobby.

Yes it is!  Have you checked out the Cornell Lab of Ornithology website?  www.allaboutbirds.org.  Lot's of great resources there -- photos, info, maps, audio recordings, etc. 

I highly recommend listening to audio recordings of birds to learn what the different species sound like; it will double or triple your enjoyment.  It's often easier to hear the bird rather than see it.  Knowing who it is you're hearing, and roughly what they are saying is really cool.

Thank you, great resources. I have downloaded the eBird and Merlin app, both from Cornell Univ.

Working on learning about calls and identifying flying birds. I think it will be a little slow and hope to jump-start the process when I can go to some classes held by the Audubon society.

Also, found a meetup.com group, which I will go to after I get better. There is also an Audubon run preserve very close to home which I hope I can go to soon.

Repetition is key - listen to the recording over and over again.  Then go outside, listen to the bird, and find it in your binos to help reinforce the connection.  In your neck of the woods, the next month or so is the absolute best time of year to be outside listening to and looking at birds.  The neotropical migrants will be coming through in abundance.

Glad to hear you are on the mend.  This thread hasn't been the same without our fearless leader keeping us straight.

Cherry Lane

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Re: 2018 FIRE cohort
« Reply #2334 on: May 07, 2019, 04:52:52 PM »
Being FIREd is busy, y'all.  My summer is rapidly filling up.  I will likely spend only 4 Saturday nights at home from this weekend until September:

Home, friend's cottage, Camp Mustache, camping, camping, visit friend, visit sister, visit other friend, visit cousin, parent's anniversary party, home, family cottage, family cottage, home, kayak gathering, family cottage, home.

It's a good thing I have weekdays to recover.

elaine amj

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Re: 2018 FIRE cohort
« Reply #2335 on: May 07, 2019, 09:21:37 PM »


Being FIREd is busy, y'all.  My summer is rapidly filling up.  I will likely spend only 4 Saturday nights at home from this weekend until September:

LOL...we joke all the time about how busy weekends can get!

My FIRED life is pretty quiet. My mother grumbles that I am not productive but for now, I have no real desire to be productive. I did set myself the goal of 1-2 hours of physical activity a day and have been keeping up with that 90% of the time since January. Most days I do 1.5-2 hours. Sometimes 3hrs. It feels good :)

However, that doesn't leave a whole lotta time for much else. Especially since I have started afternoon naps.

Another challenge is that DH and I haven't been able to figure out much Mustachian ways to spend time together. We are both home, but we tend to be immersed in our own activities. We need to work harder at this...without spending too much money either. Really don't want to have to resort to going out to eat all the time.

We cut back a little on vacationing because I discovered it gets dangerously expensive when you have all the time in the world to add on days. So I am more careful now.

I am still very glad that we made the FIRE decision last year. So nice not to be tied to a desk.

Sent from my VCE-AL00 using Tapatalk


SwordGuy

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Re: 2018 FIRE cohort
« Reply #2336 on: May 07, 2019, 09:33:02 PM »

Another challenge is that DH and I haven't been able to figure out much Mustachian ways to spend time together. We are both home, but we tend to be immersed in our own activities. We need to work harder at this...without spending too much money either. Really don't want to have to resort to going out to eat all the time.


We hold hands and go for walks around the neighborhood.    We'll be trying a walking trail soon.  (My honey messed up her ankle and knee last year so we've been taking short walks close to home for now.)

I found a nice picnic basket and on nice days we'll have a picnic in the park.

Our car gets good gas mileage and we don't drive much anymore, so we'll put some snacks and drinks in a cooler, buy some french fries for our daughter, and drive around.  We'll pick a random direction and just go sight see.   Or we'll drive around an area and look at homes to invest in.

Dicey

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Re: 2018 FIRE cohort
« Reply #2337 on: May 08, 2019, 07:30:12 AM »
Our car gets good gas mileage and we don't drive much anymore, so we'll put some snacks and drinks in a cooler, buy some french fries for our daughter, and drive around.  We'll pick a random direction and just go sight see.   Or we'll drive around an area and look at homes to invest in.
My friend's mom dubbed this type of activity, "random rambles". Excellent post-FIRE pasttime.

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Re: 2018 FIRE cohort
« Reply #2338 on: May 08, 2019, 08:08:51 AM »
I haven't had time to do this myself, but free tickets from the library to local museums, gardens, other attractions is high on my list for when my schedule opens up (sometime in the 2040s perhaps?).  I love the opportunity to just go for an hour or two rather than feel pressured to stay for 5 hours or more to get my money's worth.

aperture

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Re: 2018 FIRE cohort
« Reply #2339 on: June 17, 2019, 02:44:39 PM »
Checking in at almost 1 year post-FIRE. 

Immediately after FIRE, I converted my minivan into a camper and went on a 4 week trip with my daughter across parts of the US and Canada I had never visited before.  It was wonderful and a great opportunity for us to bond.  On return home, she went back to school and I began puttering about the house, and selling on eBay.

After the holidays, I wanted to do some more traveling, so I bought a cheap flight to London and travelled from London to Paris to Zurich to Munich and Berlin over about 3 weeks.  I stayed in hostels, cheap hotels and AirBnb and enjoyed the trip very much (though it was lonely at times).  I learned a lot about travel that will inform future plans (e.g. how to pack under 10kg for winter travel and what I need for a hostel and etc.). 

This spring, my wife and I visited the Big Island and enjoyed our time there, then we took the kids to the South of Spain.  Both trips were wonderful but involved too much time on airplanes compared to time in country for my tastes.  Mrs aperture is still working and the kids have their own lives, so we were not at liberty to take off for the entire summer to kick around Europe. 

My mood was elated for the first 6 months post FIRE and now slowly, my morbid Eeyore-like character has caught up to me and I have to work at keeping my mood upbeat (avoid the news and depressing media), exercise everyday, don't beat myself or family up for not living up to my stupid expectations, don't take myself too seriously etc.).  Today, I am not working in a job in a box and I need only pause for a moment to be happy about that.  I can do whatever I want, but mostly, that is laundry, cooking, groceries, eBay (think treasure hunt with real treasure that people pay you for) walking, fixing broken stuff (lots of deferred maintenance in the house that I continued to defer on FIRE until about 2 month s ago). 

I have not looked at a spreadsheet or calculated our net worth since I left work.  The markets went down, the markets went up and I do not give a flying fuck (it helps that we continue to live off and save money from my wife's job and my eBay business). Learning to frugal travel has been one of my favorite accomplishments this past year.  I also read a book - something I hadn't done in 10 years.  I am proud of that, but I switched back to audiobooks because I really enjoy books more that way. 

I am looking forward to a second minivan-camper trip with my daughter later this summer.  We plan to visit the Pacific Northwest.  I sent my passport in for a renewal and asked for the larger 52 page book for visa stamps.  God willing, I hope to fill it up in the next ten years.  Best wishes to you all, aperture.

Dicey

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Re: 2018 FIRE cohort
« Reply #2340 on: June 17, 2019, 11:57:38 PM »
Ooh, I loves me a good update! Thanks, @aperture!

Linea_Norway

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Re: 2018 FIRE cohort
« Reply #2341 on: June 18, 2019, 04:22:51 AM »
Thanks for the update, aperture. It is a bit special to be the only one in the family who has retired. And that almost automatically means you will do a greater share of the household tasks, to relieve the still working spouse. I have a friend who is retired with a much younger working wife and he also does most household chores, if he is home, that is.

SaucyAussie

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Re: 2018 FIRE cohort
« Reply #2342 on: June 18, 2019, 05:05:08 AM »
Checking in at almost 1 year post-FIRE. 

Immediately after FIRE, I converted my minivan into a camper and went on a 4 week trip with my daughter across parts of the US and Canada I had never visited before.  It was wonderful and a great opportunity for us to bond.  On return home, she went back to school and I began puttering about the house, and selling on eBay.

What did you do to convert the minivan to a camper?  I often thought about doing the same thing.

aperture

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Re: 2018 FIRE cohort
« Reply #2343 on: June 18, 2019, 08:15:47 AM »
I removed all the rear seats, built a set of shelves in the well where the rear seats used to fold into that went up to the bottom of the rear window.  I built a platform on the rest of the back that stood about 6" proud of the floor.  My bed rests on the rear platform and underneath I can slide storage bins for clothes and supplies.  My rear shelves are the kitchen with space for a cooler, my stove, a small folding table (almost never used) two larger bins that come out of the well when you remove the shelves above them (pantry and tools) and a couple shelves for frequently used items (think of all you need to make coffee in the AM).  I can take pictures later if you are interested, but I think it is a pretty standard build if you google DIY minivan camper.

I had kicked the idea around for a while.  When we finally went travelling with it, I was amazed at how great it was.  No more sleeping in a tent on a crappy air mattress or pad.  No set up when you get to a camping site.  Everything where you want it and accessible.  I am looking forward to another season of camping in it this summer.  What I did not do was stealth camp.  To effectively stealth camp, I would probably need a vent and fan on the roof (I rolled windows down and held bug screens over the windows with magnets). 

This worked out great for me.  If you are considering it and don't have to invest a lot to do it, I would say pull the trigger.  Best wishes, apertrure.

SwordGuy

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Re: 2018 FIRE cohort
« Reply #2344 on: October 30, 2019, 10:55:28 PM »
How's everyone in the 2018 cohort doing?

Other than medical insurance and too many visits to the doctor/dentist/surgeon in the last year and a half, we're doing very well.
I think we're almost caught up. :)    Wish us luck on that!

Had a panic when I had an unplanned ready-cash shortage because that meant I was going to have to use the HELOC or sell some assets to tide us thru.    Then I realized that the amount I was needing was only going to take us up to a 4% withdrawal rate for the year and I relaxed again.

Will

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Re: 2018 FIRE cohort
« Reply #2345 on: October 30, 2019, 11:13:26 PM »
Things are going well for me.  Currently on a 6 week "vacation" visiting family in the Midwest for a couple of weeks, then two weeks in the Caribbean with my mom, then two more weeks before heading home.

I haven't had to spend any of my retirement money yet, and this is even after paying cash for a brand new car (my financial guy said I could spend way more than I was planning on and still not run out if I lived to be 100, plus my car was old and I plan on driving around the country for fun). 

In the process of converting Traditional IRA money over to Roth.  We are making sure it is as much as possible without affecting ACA subsidies.

Monkey Uncle

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Re: 2018 FIRE cohort
« Reply #2346 on: October 31, 2019, 04:19:27 AM »
We've taken two big trips out west so far (one last fall and one this past spring), and we're planning another for next spring.  With the trip this spring and the not entirely expected need to replace a vehicle this fall, we are pushing right up to the limit of our maximum annual spending buffer.  That has caused me more stress than I expected it would, given that we are still keeping spending in line with what historical simulations say should produce a 100% success rate.  Next year we hope to stay well below the absolute max spending buffer, even with the spring trip and our son's wedding coming up in the fall.  Through all of this, we've been living off of stockpiled cash and some cash generated by getting out of my last ill-advised individual stock positions around the time I FIREd in 2018.  Next year we will probably have to sell some mutual fund assets for the first time.  That should be fun.

In non-spending matters, I'm doing some volunteer work on the board of a regional environmental non-profit, and my wife and I are both volunteering for the local animal shelter.  Beyond those two activities, I've been amazed at how much the normal odds and ends of life have expanded to fill my time.  "How did I ever have time to work" may sound like a cliche, but it is true.

sui generis

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Re: 2018 FIRE cohort
« Reply #2347 on: October 31, 2019, 01:08:36 PM »
I am soooo happy!  I got to hike the John Muir Trail this summer (one of my dream goals for ASAP after retirement). 21 days and 220+ miles in the High Sierra wilderness. It was just truly one of the best things I've done in my life.   

And I'm just really, really doing well with not having a job.  I think it's the combination of not having the obligation AND not having something I have to give *so much* time to.  I have about 4 volunteer jobs, one of which is temporarily taking way more than 40 hours per week (because it's about the elections next week), but is generally more modest, as are all the others.  And that more limited amount of time plus the knowledge that I could bail at any time, seems to work really well for me.  I wouldn't actually bail at any time, because I would feel guilty, but there's a difference between the obligation you feel because you they are paying you vs because you volunteered.  It's just not as oppressive-feeling.

I still think I might have to pull back on the level of volunteering to be able to pursue many of my other post-retirement goals which I have not touched in the last 14+ months.  But I hope to have plenty of time (knock on wood) and am not rushing anything.

As for money, I have not checked as religiously, though I should do a net worth analysis soon.  Annual spending is just below my spending plan, so I feel comfortable.  And that's with an amazing amount of travel so far this year (in addition to the trail, I did a few weeks in Africa and Europe and a honeymoon to Puerto Rico, plus small trips to CO and SC and various trips to SoCal to visit family). I'm not sure I'll sustain this much travel in the future, although the budget accommodates it, because I am just really really totally burned on flying. I won't go into it here, but I just want to avoid airports and airplanes as much as possible.  Honestly will be looking into opportunities to travel overseas by other methods.

Tl;dr = it's been the best thing ever!


Linea_Norway

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Re: 2018 FIRE cohort
« Reply #2348 on: November 01, 2019, 06:19:21 AM »
I am soooo happy!  I got to hike the John Muir Trail this summer (one of my dream goals for ASAP after retirement). 21 days and 220+ miles in the High Sierra wilderness. It was just truly one of the best things I've done in my life.   

And I'm just really, really doing well with not having a job.  I think it's the combination of not having the obligation AND not having something I have to give *so much* time to.  I have about 4 volunteer jobs, one of which is temporarily taking way more than 40 hours per week (because it's about the elections next week), but is generally more modest, as are all the others.  And that more limited amount of time plus the knowledge that I could bail at any time, seems to work really well for me.  I wouldn't actually bail at any time, because I would feel guilty, but there's a difference between the obligation you feel because you they are paying you vs because you volunteered.  It's just not as oppressive-feeling.

I still think I might have to pull back on the level of volunteering to be able to pursue many of my other post-retirement goals which I have not touched in the last 14+ months.  But I hope to have plenty of time (knock on wood) and am not rushing anything.

As for money, I have not checked as religiously, though I should do a net worth analysis soon.  Annual spending is just below my spending plan, so I feel comfortable.  And that's with an amazing amount of travel so far this year (in addition to the trail, I did a few weeks in Africa and Europe and a honeymoon to Puerto Rico, plus small trips to CO and SC and various trips to SoCal to visit family). I'm not sure I'll sustain this much travel in the future, although the budget accommodates it, because I am just really really totally burned on flying. I won't go into it here, but I just want to avoid airports and airplanes as much as possible.  Honestly will be looking into opportunities to travel overseas by other methods.

Tl;dr = it's been the best thing ever!

I am happy for you that it worked put so well.

Not wanting to fly is also good for the environment. Maybe being a crew member on a sailboat could be a thing?

happy

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Re: 2018 FIRE cohort
« Reply #2349 on: November 01, 2019, 04:02:09 PM »
Its just about a year since I left work, so time for the annual update. I left on 6 months long service leave, hoping to be able not to return due to being very close to my number, but not knowing whether that was going to be possible. As events turned out, I retired.

Quick recap:
- on my last day of work I got a phone call from my 91 year old mother to say she was sick. Within a month she had died :(. One of my hopes for my LSL was to spend more time helping her out, but it was not to be.
- this left my brother and I with the long term family home  to sort out: full of 60 years worth of stuff. We removed  > half a ton ( 500kg) of paper alone. We decided to clean it up and sell it: by March the deed was done. Since we both live at a distance it was a bit of a saga.
- renovations on the flip house were largely completed on the inside, but the DA to subdivide it off foundered, largely due to being on fire prone land, and the red tape this involves.
- not having the DA through meant in theory I had to go back to work since I would need the cashflow to pay for ongoing reports/works etc, but unfortunately due to mother's death, my share of the proceeds of family home meant I was able to retire. Bitter sweet, retirement by inheritance.
-still working on sorting/donating removing stuff from mother's house, relocated to mine in a hurry.
- went on 2 fabulous trips : one for 2 weeks to Tasmania, and one for 2 months to Northern Canada with my travelling buddy @deborah. The Canada trip is chronicled in my journal more or less. A visit to Nunavut, Tuk and the Dempster highway have been on my bucket list for 15 years.
- lost weight (13kg or 2 stone or 28lbs) and got fitter...joined a gym, started swimming again, and was gifted a kayak. Saw a physio, followed advice and the achilles tendonitis that has got worse and worse over the last decade, is nearly gone. It got to the point I was shuffling like and old person and I thought I would never be able to hike again. Completed a 7km "run" at a walking pace. I will go again next year and see how much I have improved.
- acquired 4 miniature goats to help keep the weeds at bay on the property. Still learning about goat-keeping.
- some progress in my garden, but not as much as I would have liked. Still finding and clearing about rubbish around the place.
- bought a ute  as a work horse around the place, and joined a 4WD club as a side interest. Drove the most amazing tracks on the induction weekend.
- found it harder that I thought to finally terminate my medical registration...a bit of a surprise to me.
- had a fabulous time at CM*TO, meeting internet friends and a few others too.

So a roller-coaster of a year....but on balance:  Life is good.