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Can you retire with $1.2M liquid at 45?

Assume you have a very cheap mortgage of around $600 a month...
,.,...,..,.,.,:,,:,.,.,:::,..,..,:,.,.:.:.,:.::,.
  04/19/17
If you are okay living like a prole. My number is $3 million...
ARE Reptile
  04/19/17
show your work. returns can be flat or negative for many yea...
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  04/19/17
3.5% withdrawal rate never fails tho. 4% fails less than 5% ...
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  04/19/17
yeah but 3.5% of a few million is SPS in real purchasing pow...
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  04/19/17
Ya but the 3.5% should grow with inflation. E.g., in 10 year...
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  04/19/17
so you need to get returns at least equal to inflation, righ...
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  04/19/17
Historical returns are 7% and inflation is around 2%. In yea...
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  04/19/17
Those Trinity-like safe withdrawal studies account for infla...
~~(>' ' )>
  04/20/17
I wont hit that till 50s tho. Thats 10 more wasted years
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  04/19/17
If no kids and in flyover, yes Or you could just work par...
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  04/19/17
Why wouldnt this work with a kid or 2. Just do public school...
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  04/19/17
With kids I feel like you are always ONE/WRONG/MOVE pwned ...
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  04/19/17
College costs have to be fixed by then right?
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  04/19/17
No It's prob going to be like 1 million dollars for 4 yea...
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  04/19/17
Will just tell my kid to go to trade school then
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  04/19/17
Send your kid to the UK for school ...that's what I'm planni...
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  04/19/17
I need to look into that. Is it cheap?
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  04/19/17
NOt "cheap" but cheaper. Says it's around $20k a y...
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  04/19/17
Herein is the problem, bro. ARE capitalist overlords design ...
ARE Reptile
  04/19/17
They need to be overthrown brother
,.,...,..,.,.,:,,:,.,.,:::,..,..,:,.,.:.:.,:.::,.
  04/19/17
All power to the Soviets, bro.
ARE Reptile
  04/19/17
no
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  04/19/17
why? can't you make $40k/yr off that
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  04/19/17
retire to bed to ensure that you'll wake up refreshed & ...
That's the difference.
  04/19/17
:(
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  04/19/17
I'm prob going to retire from GC flame work at 40 with 1 mil...
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  04/19/17
Yes, if you can keep your expenses at $48,000 or less.
Night Soil
  04/19/17
I can pretty easily brother. Assuming no major health disast...
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  04/19/17
If health disaster, unlikely GC flame TTT healthcare can hel...
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  04/19/17
Or I guess go be treated by legit docs in thailand or wheree...
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  04/19/17
Most treatments for olds esp. are just "life prolonging...
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  04/19/17
Of course you can. That's more than enough unless you're a ...
'"'''""''"
  04/19/17
the problem is, even if your mortgage is fixed for the next ...
fat kid watching pop tart exploding in microwave
  04/19/17
Jesus Christ, you are such risk averse faggots. If your fun...
'"'''""''"
  04/19/17
I'm less risk averse than most on here. But $1.2 million ...
fat kid watching pop tart exploding in microwave
  04/19/17
There are lots of jerbs that are way more awesome and not &...
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  04/19/17
explain how "bookstore clerk" is an awesome job. ...
fat kid watching pop tart exploding in microwave
  04/19/17
if u don't like the job, though, u can just walk the stan...
Mr. Eeyore, Esq.
  04/19/17
You never get those few more years back though. I want to sp...
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  04/19/17
what do you do? BIG LAW?
fat kid watching pop tart exploding in microwave
  04/19/17
Not even. Im a lawyer though
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  04/19/17
why not take a year or two off while you're young then, and ...
fat kid watching pop tart exploding in microwave
  04/19/17
Id be too stressed about finding a decent job when I came ba...
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  04/19/17
lol not after honestly inflation adjusted. look at the m...
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  04/19/17
sounds like he owns property though, so at least he's hedgin...
fat kid watching pop tart exploding in microwave
  04/19/17
sounds like you know what you're talking about (:
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  04/19/17
I could. You couldn't.
~~(>' ' )>
  04/20/17


Poast new message in this thread



Reply Favorite

Date: April 19th, 2017 10:59 PM
Author: ,.,...,..,.,.,:,,:,.,.,:::,..,..,:,.,.:.:.,:.::,.


Assume you have a very cheap mortgage of around $600 a month PITI.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115501)



Reply Favorite

Date: April 19th, 2017 11:00 PM
Author: ARE Reptile

If you are okay living like a prole. My number is $3 million.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115511)



Reply Favorite

Date: April 19th, 2017 11:01 PM
Author: .,.,...,..,.,.,:,,:,..,:::,.,;.,:,.,..:.,:..:.::,.


show your work. returns can be flat or negative for many years in real terms.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115518)



Reply Favorite

Date: April 19th, 2017 11:02 PM
Author: ,.,...,..,.,.,:,,:,.,.,:::,..,..,:,.,.:.:.,:.::,.


3.5% withdrawal rate never fails tho. 4% fails less than 5% of the time.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115532)



Reply Favorite

Date: April 19th, 2017 11:08 PM
Author: .,.,...,..,.,.,:,,:,..,:::,.,;.,:,.,..:.,:..:.::,.


yeah but 3.5% of a few million is SPS in real purchasing power many years from now

imagine you have 1.5 mil and draw 50k a year. sure you could live on that now esp if you owned your house outright, but a few decades from now that will be a poverty income.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115600)



Reply Favorite

Date: April 19th, 2017 11:10 PM
Author: ,.,...,..,.,.,:,,:,.,.,:::,..,..,:,.,.:.:.,:.::,.


Ya but the 3.5% should grow with inflation. E.g., in 10 years it will be 3.5% of $1.8M, etc.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115622)



Reply Favorite

Date: April 19th, 2017 11:12 PM
Author: .,.,...,..,.,.,:,,:,..,:::,.,;.,:,.,..:.,:..:.::,.


so you need to get returns at least equal to inflation, right?

and assuming 0 growth above inflation, you draw down fully in 28.5 years? then what? social security? lol.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115633)



Reply Favorite

Date: April 19th, 2017 11:14 PM
Author: ,.,...,..,.,.,:,,:,.,.,:::,..,..,:,.,.:.:.,:.::,.


Historical returns are 7% and inflation is around 2%. In years with yuge inflation you get yuge returns.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115647)



Reply Favorite

Date: April 20th, 2017 9:05 PM
Author: ~~(>' ' )>

Those Trinity-like safe withdrawal studies account for inflation.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33122583)



Reply Favorite

Date: April 19th, 2017 11:01 PM
Author: ,.,...,..,.,.,:,,:,.,.,:::,..,..,:,.,.:.:.,:.::,.


I wont hit that till 50s tho. Thats 10 more wasted years

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115521)



Reply Favorite

Date: April 19th, 2017 11:02 PM
Author: ...,,,.,..,.,,..,,,.,,,..,,,,...,,.


If no kids and in flyover, yes

Or you could just work part-time doing whatever...like work in a bookstore 2 days a week

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115531)



Reply Favorite

Date: April 19th, 2017 11:03 PM
Author: ,.,...,..,.,.,:,,:,.,.,:::,..,..,:,.,.:.:.,:.::,.


Why wouldnt this work with a kid or 2. Just do public schools. I guess the wild card is health insurance.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115552)



Reply Favorite

Date: April 19th, 2017 11:05 PM
Author: ...,,,.,..,.,,..,,,.,,,..,,,,...,,.


With kids I feel like you are always ONE/WRONG/MOVE pwned

Plus if you're planning on paying for college, good luck

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115574)



Reply Favorite

Date: April 19th, 2017 11:06 PM
Author: ,.,...,..,.,.,:,,:,.,.,:::,..,..,:,.,.:.:.,:.::,.


College costs have to be fixed by then right?

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115588)



Reply Favorite

Date: April 19th, 2017 11:07 PM
Author: ...,,,.,..,.,,..,,,.,,,..,,,,...,,.


No

It's prob going to be like 1 million dollars for 4 years in the next 20 years...LJL

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115593)



Reply Favorite

Date: April 19th, 2017 11:08 PM
Author: ,.,...,..,.,.,:,,:,.,.,:::,..,..,:,.,.:.:.,:.::,.


Will just tell my kid to go to trade school then

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115608)



Reply Favorite

Date: April 19th, 2017 11:09 PM
Author: ...,,,.,..,.,,..,,,.,,,..,,,,...,,.


Send your kid to the UK for school ...that's what I'm planning on doing if I ever have one

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115615)



Reply Favorite

Date: April 19th, 2017 11:11 PM
Author: ,.,...,..,.,.,:,,:,.,.,:::,..,..,:,.,.:.:.,:.::,.


I need to look into that. Is it cheap?

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115627)



Reply Favorite

Date: April 19th, 2017 11:15 PM
Author: ...,,,.,..,.,,..,,,.,,,..,,,,...,,.


NOt "cheap" but cheaper. Says it's around $20k a year for Oxford/Cambridge for tuition. Big plus is that uni is only 3 years in the UK, not 4.

I know some people who got in from America who then did a maths/econ course, who were way behind in math and had to take remedial courses....I think European secondary education is better at math/sciences.

https://www.topuniversities.com/student-info/choosing-university/oxford-or-cambridge

I think they look more at your AP scores for admissions - it's kind of like their version of A levels. YOu'd probably need straight 5s in whatever subjects they need for your course area and you apply for a particular major and stay in it. There is no 'liberal arts education' bullshit. So for maths, you'd prob need like straight 5s in AP Calc BC, AP Stats, AP Physics and some other science...but i dunno specific course reqs. Also each college within the unis do their own admissions. In the UK, you apply to either Oxford or Cambridge. If you get an interview, they "offer" you a conditional offer - you have to get certain scores on A-levels to qualify. If you don't make exam scores, you don't get a firm offer.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115659)



Reply Favorite

Date: April 19th, 2017 11:03 PM
Author: ARE Reptile

Herein is the problem, bro. ARE capitalist overlords design the whole system around this dynamic.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115550)



Reply Favorite

Date: April 19th, 2017 11:04 PM
Author: ,.,...,..,.,.,:,,:,.,.,:::,..,..,:,.,.:.:.,:.::,.


They need to be overthrown brother

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115562)



Reply Favorite

Date: April 19th, 2017 11:05 PM
Author: ARE Reptile

All power to the Soviets, bro.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115576)



Reply Favorite

Date: April 19th, 2017 11:00 PM
Author: .,.,...,..,.,.,:,,:,..,:::,.,;.,:,.,..:.,:..:.::,.


no

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115513)



Reply Favorite

Date: April 19th, 2017 11:02 PM
Author: .,,,.,,;;;...,,,,,,..;,.,,;;.,;;.,,.,;;..;;.,,,.


why? can't you make $40k/yr off that

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115542)



Reply Favorite

Date: April 19th, 2017 11:02 PM
Author: That's the difference.

retire to bed to ensure that you'll wake up refreshed & ready for another day in GC hell? yes

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115530)



Reply Favorite

Date: April 19th, 2017 11:02 PM
Author: ,.,...,..,.,.,:,,:,.,.,:::,..,..,:,.,.:.:.,:.::,.


:(

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115539)



Reply Favorite

Date: April 19th, 2017 11:03 PM
Author: ...,,,.,..,.,,..,,,.,,,..,,,,...,,.


I'm prob going to retire from GC flame work at 40 with 1 million liquid. Spouse will prob keep working some low stress job making high five figures.

I might just work part time as a vet tech or do something else with animal doods.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115543)



Reply Favorite

Date: April 19th, 2017 11:03 PM
Author: Night Soil

Yes, if you can keep your expenses at $48,000 or less.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115555)



Reply Favorite

Date: April 19th, 2017 11:04 PM
Author: ,.,...,..,.,.,:,,:,.,.,:::,..,..,:,.,.:.:.,:.::,.


I can pretty easily brother. Assuming no major health disasters

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115564)



Reply Favorite

Date: April 19th, 2017 11:06 PM
Author: ...,,,.,..,.,,..,,,.,,,..,,,,...,,.


If health disaster, unlikely GC flame TTT healthcare can help u much there. Just cyanide self to death at that point.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115587)



Reply Favorite

Date: April 19th, 2017 11:08 PM
Author: ,.,...,..,.,.,:,,:,.,.,:::,..,..,:,.,.:.:.,:.::,.


Or I guess go be treated by legit docs in thailand or whereever for 1/100th of the cost

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115598)



Reply Favorite

Date: April 19th, 2017 11:09 PM
Author: ...,,,.,..,.,,..,,,.,,,..,,,,...,,.


Most treatments for olds esp. are just "life prolonging" treatments...doesn't actually give any QOL to olds. Might as well just say fuck it and a rob a bank on an adrenaline rush and get shot to death by the popo.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115612)



Reply Favorite

Date: April 19th, 2017 11:06 PM
Author: '"'''""''"


Of course you can. That's more than enough unless you're a GC addict who has to shop for everything.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115586)



Reply Favorite

Date: April 19th, 2017 11:07 PM
Author: fat kid watching pop tart exploding in microwave (https://www.youtube.com/watch?v=M8-vje-bq9c)

the problem is, even if your mortgage is fixed for the next 30 years, your taxes, insurance, and other expenses could go up drastically.

$1.2 million for such a long period of time would make me nervous. though if your mortgage is that dirt cheap, I'm assuming you live in a very low COL area.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115590)



Reply Favorite

Date: April 19th, 2017 11:08 PM
Author: '"'''""''"


Jesus Christ, you are such risk averse faggots. If your funds start dwindling go get a job at Starbucks or Target for 15 hours a week. Enjoy your life, don't be a slave to GC.



(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115603)



Reply Favorite

Date: April 19th, 2017 11:09 PM
Author: fat kid watching pop tart exploding in microwave (https://www.youtube.com/watch?v=M8-vje-bq9c)

I'm less risk averse than most on here.

But $1.2 million is not much and I wouldn't want to take some shit job after I'm "retired." Why not just work a few more years while still in work mode and then retire correctly?

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115613)



Reply Favorite

Date: April 19th, 2017 11:10 PM
Author: ...,,,.,..,.,,..,,,.,,,..,,,,...,,.


There are lots of jerbs that are way more awesome and not "shit jobs" aside from the pay - like vet tech, bookstore clerk, etc. You could easily work these jobs part-time.

Full retirement will probably get boring. I'd prob still "work" part-time in retirement.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115624)



Reply Favorite

Date: April 19th, 2017 11:13 PM
Author: fat kid watching pop tart exploding in microwave (https://www.youtube.com/watch?v=M8-vje-bq9c)

explain how "bookstore clerk" is an awesome job. First of all, who knows if bookstores will even exist by the time he's 45, because a lot of them are shutting down as it is. That issue aside, any customer service job like that can be stressful if you have to deal with rude/insane/ghetto customers. that's not how I'd want to spend my retirement.

At 45, he could easily live another 40-50 years. That's a very fucking long time. I'm also guessing he won't get maximum social security from retiring so early.

To make that money last, he'd need to do more than keep it in a CD or savings account paying shit. Which means something more risky, which can be a problem too.

If he wants good advice, I would say, work another 5 years, get the savings up to $1.6 million or so... he'll have more cash up front compounding, and he'll have less time to need it for.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115646)



Reply Favorite

Date: April 19th, 2017 11:37 PM
Author: Mr. Eeyore, Esq. (blackbeltinboredom@gmail.com)

if u don't like the job, though, u can just walk

the standard withdrawal rates like 3.5% and 4% are based on stuff like 70% equities/30% fixed income portfolios and factor in events like black monday, GFC, etc. and assume that u'll never go back to work and that u'll never collect social security

if anything that is unduly conservative since it's exceedingly unlikely that someone who made $1 mil relatively early in life won't make another dollar ever for the rest of his life

that being said, there's nothing wrong with bumping up the savings a bit since freedom is sort of useless if u can't sleep well at night

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115798)



Reply Favorite

Date: April 19th, 2017 11:12 PM
Author: ,.,...,..,.,.,:,,:,.,.,:::,..,..,:,.,.:.:.,:.::,.


You never get those few more years back though. I want to spend as little time on the plantation as possible

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115637)



Reply Favorite

Date: April 19th, 2017 11:14 PM
Author: fat kid watching pop tart exploding in microwave (https://www.youtube.com/watch?v=M8-vje-bq9c)

what do you do? BIG LAW?

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115650)



Reply Favorite

Date: April 19th, 2017 11:16 PM
Author: ,.,...,..,.,.,:,,:,.,.,:::,..,..,:,.,.:.:.,:.::,.


Not even. Im a lawyer though

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115663)



Reply Favorite

Date: April 19th, 2017 11:18 PM
Author: fat kid watching pop tart exploding in microwave (https://www.youtube.com/watch?v=M8-vje-bq9c)

why not take a year or two off while you're young then, and then go back to work?

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115682)



Reply Favorite

Date: April 19th, 2017 11:22 PM
Author: ,.,...,..,.,.,:,,:,.,.,:::,..,..,:,.,.:.:.,:.::,.


Id be too stressed about finding a decent job when I came back. Would rather just grind it out and be done

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115718)



Reply Favorite

Date: April 19th, 2017 11:12 PM
Author: ..,.,.,.,.,.,::.,.,.,:...::,..,.:.::...:.:.


lol

not after honestly inflation adjusted. look at the money supply AKA QE that's said to have solved the great recession.

it's a ticking timebomb. it's actually... i've resisted saying this since 2006 but it's just true... it's a pyramid scheme.

metals, maybe bitcoin/crypto - that's really your best bet but you're guaranteed to fuck up if you don't get it in and out - or real estate.



(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115632)



Reply Favorite

Date: April 19th, 2017 11:15 PM
Author: fat kid watching pop tart exploding in microwave (https://www.youtube.com/watch?v=M8-vje-bq9c)

sounds like he owns property though, so at least he's hedging his bets. he should just pay that off and not have to deal with a mortgage during retirement.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115658)



Reply Favorite

Date: April 19th, 2017 11:33 PM
Author: ..,.,.,.,.,.,::.,.,.,:...::,..,.:.::...:.:.


sounds like you know what you're talking about (:

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33115778)



Reply Favorite

Date: April 20th, 2017 9:04 PM
Author: ~~(>' ' )>

I could.

You couldn't.

(http://www.autoadmit.com/thread.php?thread_id=3589741&forum_id=2#33122571)