Bogleheads.org

avenger

My partner and I have about 20 years of expenses saved in about 80/20 allocation (if you combine the portfolios). I call that “oh my god” money. We are 41 and 53 years old.

avenger

dogagility wrote: ↑Sun Apr 11, 2021 5:50 am
Cyanide123 wrote: ↑Sat Apr 10, 2021 8:04 pm How do I switch focus, remind myself that I am still blessed compared compared to most of the world...
No joking, I suggest you put some of your wealth into regular visits with a therapist.

As a fellow physician who has struggled with anxiety, I wholeheartedly agree with dogagility.

avenger

People still wear cologne?
For those of us with aerosensivities, I implore you to stop.

avenger

About $150k.

avenger

I close any cards we don’t use.
I have 2 credit cards currently.
Close them if you don’t use them.

avenger

Occasionally as low as $200/night, usually closer to $400/night, highest ever (special occasion- my 40th birthday in Bali) up to $800/night.

avenger

And, contrary to the common saying, it wasn't one of the happiest days of my life. I was pretty sad. I'm going through a boat sale right now and I'm pretty sad without even signing it over yet. How are feeling about the sale 6 months later? Just curious if this will pass. :( We were fine. But we al...

avenger

I have used Stitch Fix.
I like it - quality is variable.
It’s expensive.
I’ll probably continue to use here and there for convenience.

avenger

Baked salmon on a bed of micro greens with balsamic/oil dressing.

avenger

Never cash.

avenger

Right now in my portfolio, a 20% drop would trigger rebalancing from bonds to stocks.

So I guess that’s my answer. An RBD for me is a 20% drop.

avenger

Ive only bought bonds since March.

avenger

My partner and I have 4 million in our investment accounts.
I clean the house and my partner does most of the yard work. I do all the pool maintenance. We are 41 and 52.

avenger

I’m also curious to read replies in this thread...

avenger

Seems about right. Just checked my yield for the new quarter: 2.61%.
The entirety of my governmental 457 is in this stable value fund (~$260k).

avenger

Continue living without a budget and putting away whatever else remains. Spending more on travel this year as we didn’t travel as much last year.

Same thing I’ve been doing for the last nearly 10 years.

avenger

Some choose to write their post in another program such as word, notes. Then copy and paste the post into the browser.

avenger

I went completely paperless about 6 years ago. No paper in my house.

avenger

I’m 40. I’m currently 70/30. Planning early retirement in 10 years. Trying to decide if I should continue my glide path to 60/40 (1% per year) which was always the plan. I’m rethinking that plan, wanting to stay more aggressive. But that might be me being more greedy given equity valuations as of la...

avenger

No emergency savings per se.
I have a 70/30 portfolio with a large component in non-retirement accounts.
My entire portfolio is my emergency fund.
I keep a couple months expenses in a checking account though.

avenger

I have been buying bonds in taxable every paycheck and my entire 457 contribution has been going to the stable value fund.

avenger

Always. Taxable portfolio has grown enough that the December distributions are mostly able to fund the IRA. The money sits in my settlement account for a few days before going to traditional IRA the first trading day of the year and then Roth the next day.

avenger

We use the Alliant Credit Union 2.5% cash back on everything - this is our big lifter.

avenger

It’s hard to say it’s any better.
It froze on me twice. I’m intrigued, but I’m not getting my hopes up.

avenger

Cancel.

I only have two cards. One for joint purchases with my partner, one for individual purchases.

avenger

Mid-career surgeon here.
I’d give it a solid consideration.
You can always go back to medicine after the first year if you don’t like it.

avenger

Stable value fund yielding 2.68%

avenger

I have all of my 457 invested in a stable value fund earning just under 3%.
I ran out of fixed income space there, so I’m buying vanguard intermediate term tax exempt in taxable.

avenger

I too fall victim to the Starbucks luxury occasionally.

But I buy a high quality espresso and make Americanos at home in my simple Krups espresso machine I’ve had for two decades.

avenger

About $1500 in total.
I support my mother with $1000/mo though.
I make $400k/yr.

avenger

Amazon fresh.
Tipping the delivery driver so I’m helping someone out at the same time as grocery shopping in my pajamas.

avenger

BolderBoy wrote: ↑Fri Dec 04, 2020 10:43 pm
nydoc wrote: ↑Fri Dec 04, 2020 10:41 pmDoes anyone buy bonds in taxable account? If yes, which ones? All my bonds are in 401k.
Yes, Vanguard Intermediate Term Tax-Exempt.

Same. I have a high tax rate so this works for me.

My 457 is already completely filled with stable value fund.

In fact, it’s all I’m buying these days.

avenger

Try tucking your shirt into your underwear, then tucking your collared shirt into the pants (above the underwear).
This is a hack I came up with a few years ago. I’ve never had an untucked undershirt since.

avenger

Seems about right.
I’ve been out in practice about 9 years, and am paying ~$400/month for about $10k benefit, with all of your specifications for about $10k of benefit. My product is through the Standard.

avenger

Seriously, we share subscriptions among family, Netflix is mine to pay for. Others pay for Disney, Hulu, ESPN, which I use occasionally. It’s the best money I spend each month. I'm surprised many others (at least on this thread) don't do this. Shared with my parents, brothers, and a sister, we all ...

avenger

I bought a Yamaha CLP-685 last year. I’ve been playing the piano for 36 years. It’s a close but not perfect approximation of a grand piano. It looks great and is compact too. I paid just north of $5000. But I’m a fairly serious piano player, taking weekly lessons from an area master. I haven’t yet e...

avenger

I have a 70/30 portfolio. I’ll just withdraw and maintain that allocation.

avenger

We have used Whole Foods a few times with excellent results.

avenger

Definitely no match.

We know what we like when we see it, but aren’t interior designers.

Hiring a good fee only designer was an incredible investment. We are very happy.

avenger

Not only do you need to pay off the credit card debt, you need to spend a lot of time reading here for a total mindset change. Good luck.

avenger

I do the same. Also have an SV field yielding nearly 3%. It accounts for about 2/3rds of my bond allocation.

avenger

Lounging in our backyard plunge pool (90 degrees) at 6 in the am with my homemade Americano on a brisk fall morning. Partner on pup on the patio.

avenger

dbr wrote: ↑Sat Jul 25, 2020 10:30 am
avenger wrote: ↑Sat Jul 25, 2020 10:27 am All of my fixed income allocation is in a governmental 457 stable value fund backed by two highly rated insurance companies, yielding 3%.
The difference is in what fraction of your net worth is allocated there.

What difference?

25% is the answer, however.

avenger

All of my fixed income allocation is in a governmental 457 stable value fund backed by two highly rated insurance companies, yielding 3%.

avenger

2/3rds of the time the stock market is at an all-time high.

What are you doing on all of those days?

avenger

I have one asset allocation for all needs: emergency, car, retirement, etc. I’m 40 years old and have a 70/30 allocation, somewhat more conservative than I would have if I just was thinking of retirement.

Your mileage may vary.

avenger

They do tend to fluctuate, although much more slowly than your savings accounts.

I will leave the question re: yield up to someone much smarter than me. Yield and risk tend to go hand-in-hand, however.

avenger

My entire governmental 457 is in a stable value find yielding about 3%. It contains 4 years worth of expenses in it. Spend some time learning more details about your stable value fund. You might find it is a good one. For example, mine is guaranteed by two different A-rated insurance companies. It m...

avenger

I created these hanging gardens with sweet potato vines to provide some foliage on our fence. Added a drip irrigation system and it’s looking great!

Wish I knew how to add a pic.

avenger

Don’t query Bogleheads for a decision like this. They will tell you the right financial decision but only you can answer the correct personal decision. The two are not always the same. We are finishing $100,000 backyard project which includes an inground pool as we speak. We sold a boat a month befo...

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