Horseman

Of course. But you need to know what your spend is now first and foremost. After tracking my costs for a decade I know exactly what the spend is to live my current lifestyle. Then when planning for retirement, applying the 4% rule, or projecting a cash flow analysis, you can adjust it to fit a different lifestyle (spend) in retirement if you want. Want to take more trips, add in another 10K a year for that. Want all new vehicles add in a lump sum of 60K the first year, etc etc. You can also go the other direction. If you're planning to be retired for 30 years there is a very good likelihood that you won't be spending as much when youre 80 plus years old. You could ratchet your spend down. Most people don't because it's conservative, but hey, if it gets you to retirement a couple years sooner it might be worth it to take a closer look.

I'd agree with you a lot if interest rates stayed high, but, it seems like they are going away. That means your cash is going to lose against inflation.

Poor people are so bitter.

OK

So a big nothingburger. Next.

No. I'm not driving to New Orleans.

I just can't handle the dumb. It's so dumb it hurts.

Link proving or even showing this UNIDENTIFED 20 YEAR OLD is a victim?

JFC

I am Negan.

A - I didn't post an article Einstein. B - So what?

It's in there somewhere! It has to be!

What about Maye and CMC? I imagine a lot of banging FF championships out there. Luckily my opponent had neither.

Miniature version of Walz.

OMG the act was caught on camera!!!!!

I'm done. Posting early Investment Strategy: Aggressive Retirement 75% Equities 25% Fixed Income Asset Allocation: Varies following Investment Strategy. Some of the lower dollar amount accounts are as simple as- 55% Equity 20% International 25% Bonds The most complicated higher dollar amount account is- 30% Large Cap 10% Mid Cap 5% Micro Cap 20% International 10% REIT 20% Bonds 5% High Yield Bonds 2025 Returns (Time-weighted TWR): 401K – 20.36% Roth IRA(F) – 23.99% HSA – 22.20% Brokerage Account – 16.86% Roth IRA(ME) – 16.63% Wife's accounts are combined and treated as one allocation (IRA, Roth IRA and SEP) – 19.30% Summary: Total 2025 TWR – 19.5% For Comparison SPX – 17.5% Conclusion: How does a 75-25 investment strategy beat the S&P by 2.0%? Two primary reasons: 1 – Some ill-advised timing of the market. Equities bought during the brief downturn in April. For example my cost basis of AMSN purchased in April is $176.00. That's a gain of over 30% today. 2 – Re-balancing. I re-balanced 5 times this year, 4 times during the volatility experienced in the first half of the year. Effectively increasing the number of shares all around. If you look at the brokerage account the return is below the S&P as you'd expect. I wasn't able to sell and buy to re-balance as effectively as I did in the retirement accounts because of tax implications. Cheers!

3 more years

Is today the day it finally happens?!?!?!?

Mary Jones confirmed!!!!!!

It's already almost over. Thanks tho.

Mother Jones Elementary? Are you a Jaguar?

Yep. Secret is out now. Way to go Einstein.