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2021 Q4 Quarterly Status of Retirement Prerequisites

November 10th, 2021 at 03:36 pm

As mentioned in a previous post (2020) I have a deadline set for the start of my retirement. And I have a list of prerequisites to determine whether I’m in a safe-enough-for-me position to retire sooner. Each quarter I evaluate my progress against those prerequisites, and my quarterly check-in for this is aligned with my birthday instead of the standard calendar quarter. That’s because a couple of my prerequisites are based on my 60th birthday so the calculation is simpler.

 Result for this check-in: I’m slowly getting closer! I’m now planning to pull the trigger in 2023 ahead of my original target of 2025.


 In order to pull the plug immediately, I’d have to have these things accomplished:


++ Retirement account on target for 7 figures by 60th birthday

++ College savings on target for full funding

++ Mortgage paid off

++ Savings of basic expenses until 60th birthday set aside

++ No consumer debt


 Currently my progress is:


++ 100+%

++ 57.5%

++ 76.5%

++ 14.7%

++ 100%

 Assumptions for these calculations: average annual return on investments will be 5%, no further contributions to investments, full funding = 40 semesters (8 x 5 boys), $36,000k annually for basic expenses, starting consumer debt was $10k.


 College for the twins may be cheaper because they both are planning to start at the local community college but I’m keeping assumptions the same so I’m comparing apples to apples each quarter.


Now the spammers are putting 'Don't delete' in the subject

June 9th, 2020 at 12:32 pm

Please delete

Help wanted: Assertive salesman with a teller disguise

January 28th, 2020 at 07:52 pm

A few days ago I went to make a cash deposit in person at a PNC branch. The teller behind the counter made the deposit as typical but then began asking me about credit cards. Do I use rewards credit cards for everyday purchases? Was I aware that PNC had a rewards card? Etc. “We want to make sure we’re meeting your needs.” Yeah right.

I don’t know if I’m just a grouch, but I don’t like being treated like a sales prospect while I’m conducting business. Sam’s Club has gotten this way too. You can’t just check-out anymore without getting a sales pitch for something else.


January 5th, 2020 at 11:45 pm

Now that I have a blog of my own, I can do this. I'm worried about Nhgirl1970 (one of the Lauras). Does anyone know her in real life? She last shared that she was going through a health crisis and I've had her on my mind since then. I hope she's okay.

Kick-off Introduction

January 4th, 2020 at 09:51 pm

First-time blogger, but frequent commenter! I feel like I know many of you already.

After a few suggestions by CCF, I'm starting this blog to share and to capture my activities.

Hopefully I've set this up properly. After numerous attempts to change the blog settings, I gave up. The changes just don't 'take' when I update. I'm not sure what I'm doing wrong but perhaps I'll correct it later.

Happy new year to all!