Comments by "FD 2003" (@FD2003Abc) on "Azul" channel.

  1. So young! Very sorry for your loss.
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  2. "wages" no - salaries, yes.
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  3. Start your own company and select the clients and engagements that interest you.
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  4. I am retiring gradually. I own my own consultancy. As my basic lifestyle maintenance income is covered, I look for engagements but have $ and work location (remote only) requirements that mean I go months between engagements. Which is no big deal one way or the other. Back before I was "retired" I was a lot less picky.
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  5. My portfolio over the last 5 years has an ROI about 15%. It has had some bumps and bruises (look at the 2 weeks before inauguration - I "lost" $100,000) but it has always come back in the long run (I "made" $130,000 since inauguration day). Long term investing in the marker has been a winner for the last 50+ years.
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  6. The market will rebound in a few months. My financial advisement team is part of one the biggest in the world. They predicted this sag from the unpredictability of events underway. They have been behind my returns of ? 13% over the last 4 years. Hang in there if you have enough $ to make it through this year you will be back where you were and then some.
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  7. That is why I work out about 2 hours a day - mine is low impact and mostly playing high action VR games (+ treadmill) but the calorie tracker in the headset says I am burning 400 calories a day. The wife does serious yoga that probably burns twice the calories. But I also have to have a kidney removed soon so who knows? I am glad I semi-retired and since then have just taken my work with me to resorts in Mexico.
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  8. Here is how we have a net worth of $2MM at 60: DO WITHOUT. We have had 2 cars in 30 years, iur appliances/TVs are well over 10YO. AVOID DEBT: overpay on yiur mortgage and pay cash for cars and furnishings. It can be done for an average person.
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  9. When I see people who do personal services like hair styling/cutting, personal trainer, and worst of all tattoo artists (who can NEVER get another job as they are invariably tatted up), I know they will be working until they pass. Very few make enough $, much less have the moxie, to invest in their own future.
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  10. My definition of "retired" is when you no longer rely on a paycheck to finance your lifestyle in comfort. Money is never a worry when you are retired (but of course you watch it).
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  11. 3 years old is the sweet spot: max value for min price. Then drive it until the repair cost exceeds the blue book value (stop comp insurance a few years before that). I did that with my last car - 28 years. Bought current one for CASH at VERY low miles 4 years old 4 years ago. Still runs like a dream and put maybe $2,000 (mostly electronics) into it.
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  12. It should be taught as a required Freshman class in college (with optional test-out for kids with good parents). It used be taught in HS.
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  13.  @MrGus.1  I am one of those "when you say you want kids you are describing eyesight to the blind" types. Well into retirement, never had kids and prefer it that way.
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  14. This is why you want to retire debt-free and owning your own home.
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  15. I feel pretty good with Net Worth of 2 million (only $250K of that is home), but no debt. Between SS and Pension we do about $80K a year. But it was a hard 40+ years of work - the last 30 with a LOT of doing without and making things last. Retired recently in my early 60s but I still work so it is really semi-retirement. All credit to my wife who insisted we save and live well UNDER our means. Our one splurge is travel and not a lot of that.
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  16. I retired at 64 with $2 million net worth and zero debt. My big worry is fellow Boomers will look at my savings with envious and broke eyes and want to flat-out steal it to make up for their lack of saving/planning. A wealth tax would be one device.
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  17.  @yvonnelanese-coppola4999  Yes, it sucks. But only until you get on Medicare so you have to hang in there just a few more years. I went private with my own company 10 years ago so have been paying it anyway.
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  18.  @Earthtime3978  I think you mean SS. SSDI is disability/welfare and I suspect has a HUGE fraud rate. I hate to generalize (OK, I don't), but it seems like 2/3 of the litigants on TV court shows (Judge Judy, People's Court) are on SSDI and their disability is "anxiety disorder" (while appearing on a show watched by millions) or "back problems" (when the case is about the materials he is using to remodel the living room).
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  19. The data ARE terrifying. The word "data" is plural for the singular noun "datum."
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