Chinese In North America(北美华人e网)

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1#

Reddit上一帖子,湾区老美码农40岁两孩4米资产提前退休

Situation


  • 40. Married. Two young kids. Spouse doesn’t work
  • San Francisco area. Engineer at a FAANG company

Financial


  • Net worth: $4m

    • Taxable index funds: $2m
    • Long-term vested company stock: $900k
    • 401k: $800k
    • Roth IRA: $200k
    • 529: $100k
  • Allocation across all funds: 40% Total US, 30% Total International, 10% Emerging, 10% REIT, 10% Total Bond
  • Cash dividends from taxable funds: $3,000/mo ($36k/yr)
  • Renting. No mortgage or other debt
  • Vehicles are new, dependable, and paid off. Keeping as long as possible
  • Last year’s spending: $8,500/mo ($100k/yr)

FIRE plan


  • When: A few months
  • Type: FatFIRE, maintaining current lifestyle
  • Move: To an area with much lower housing costs. Most other expenses are 20% cheaper there
  • Estimated max retirement spending: $8,500/mo ($100k/yr), although will likely be lower due to new COL

    • Housing: $3,000/mo ($36k/yr). Rent while getting to know the new area before buying a $750k house. Put $300k down payment down to stay under the jumbo loan limit of $450k. 30yr fixed mortgage on $450k is about $3,000/mo including property taxes and insurance. No intent to pay off early. Although this may seem extravagant, a nice home for my family is a reward after years of hard work
    • Healthcare: $2,500/mo ($30k/yr) to be safe. Open market. If annual MAGI is <$100k, would be eligible for premium tax credit with two kids
    • All other expenses: $3,000/mo ($36k/yr), although likely lower. Travel is the biggest wildcard
  • Withdrawal strategy: Dividends from taxable funds of $3,000/mo ($35k/yr) will take care of a chunk of my overall $8,500/mo ($100k/yr) expenses. The remainder ($5,500/mo) can be drawn down at a 1.8% rate from pools like my remaining company stock, Roth IRA contributions, and taxable funds (although this would mean fewer dividends going forward). If dividends aren't used, withdrawal rate would be 2.8%. According to EarlyRetirementNow, anything <3% is close to fail safe.
  • Withdrawal frequency: Monthly, to keep more money invested longer
  • Equity and bond allocation change over time: None, remaining high equities. I'm aware my house will become a larger part of my assets over time
  • How to spend the time: Raise kids. Time with family and friends. Travel. Personal coding projects. Plenty of hobbies
  • Future side income: Not banking on any at the moment

最后编辑cnisfx 最后编辑于 2019-04-14 15:16:58
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2#

可行。但是如果是我,还是不放心两人都退的。首先$8500/月,我家就不够用。但是一个人退肯定可以。
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3#

可行。但是如果是我,还是不放心两人都退的。首先$8500/月,我家就不够用。但是一个人退肯定可以。
taratara 发表于 4/14/2019 3:21:38 PM

Agree
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4#

4米就可以退休了啊...麻蛋那年买的几百个比特币放到现在那我也退休了,还比这码农年轻10岁退休呢...
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5#

这个真不行啊 生个大病就要破产的节奏。我觉得我这样的穷人到65岁可以享受medicare的时候才敢退休
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6#

4米太少了,孩子还小,要用钱的地方太多了

---发自Huaren 官方 iOS APP

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7#

4米太少了,孩子还小,要用钱的地方太多了

---发自Huaren 官方 iOS APP


jasminezzy 发表于 4/14/2019 3:41:42 PM

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8#

4米太少了,孩子还小,要用钱的地方太多了

---发自Huaren 官方 iOS APP


jasminezzy 发表于 4/14/2019 3:41:42 PM



+1。 如果他们50岁孩子都上大学了应该差不多够了。
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9#

昨天知乎的今天就是Reddit了。。。。
http://forums.huaren.us/showtopic.aspx?topicid=2407159
最后编辑huaren_ID 最后编辑于 2019-04-14 15:56:18
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10#

400万都不够吗 大家是认真的吗
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