tag:blogger.com,1999:blog-2875915890415125655.post2397061691333817765..comments2023-05-18T10:37:34.608+01:00Comments on <a href="http://www.retirementinvestingtoday.com">Retirement Investing Today</a>: reFIRE and a 2019 Half 1 reviewRetirementInvestingTodayhttp://www.blogger.com/profile/03088383743670046657noreply@blogger.comBlogger27125tag:blogger.com,1999:blog-2875915890415125655.post-67729293016075032452019-09-29T12:04:10.396+01:002019-09-29T12:04:10.396+01:00I don't really see Trump or Boris as anything ...I don't really see Trump or Boris as anything other than enterainment. Corbyn, the manikin, with his pupeteers in the background is however the real political risk.<br /><br />He has said.<br /><br />He will on day one nationalise 10% of the stockmarket - it's mildly disguised but thats what it amounts to. Why stop at 10%. If you're an investor what happens?<br />He will Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-54148730803405459152019-09-20T12:55:48.197+01:002019-09-20T12:55:48.197+01:00Good piece. I think you correctly identified you m...Good piece. I think you correctly identified you may have done too much at once. <br /><br />I had a failed attempt at RE in 2012 where we were had sold up and were in the process of relocating abroad. That backfired but mostly due to circumstances beyond our control.<br /><br />After a few years licking our wounds, I took a year off as a mini-retirement and decided retirement was really Tonynoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-7386805217267877022019-08-06T20:05:14.902+01:002019-08-06T20:05:14.902+01:00Early Retirement Dude writes some unconventional s...Early Retirement Dude writes some unconventional stuff and of course Sex Health Money Death found adapting very difficult. More of these stories seem to be coming to light. I wonder if anyone is writing about decompression in the journal section of the ERE forums. I'd be very interested to know how livingafi is getting on. He knocked blogging on the head not long after FIRE, but I suspect he&The Accumulatorhttp://www.monevator.comnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-23619252870010753922019-08-06T19:58:09.697+01:002019-08-06T19:58:09.697+01:00Great comment. Especially the idea that noodling a...Great comment. Especially the idea that noodling around with different life plans is the reward. The Accumulatorhttp://www.monevator.comnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-30205866349667014232019-08-06T08:17:09.598+01:002019-08-06T08:17:09.598+01:00Nice put. The comments here are good quality and a...Nice put. The comments here are good quality and as inspiring like the blog itself.Adamnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-61977809948212749362019-08-05T22:50:42.820+01:002019-08-05T22:50:42.820+01:00Decompression is a thing, particularly for people ...Decompression is a thing, particularly for people who leave the workforce. FWIW it took me clearly two years, but there's an argument it's taken me 4, 6, even now perhaps I haven't completed the process. I worked for 30 years, to expect to unwrite that quickly is perhaps optimistic ;)<br /><br />TBH your schedule, there was one post you had in what your working day looked like and erminehttps://simplelivingsomerset.wordpress.com/noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-87324201481379099902019-08-05T21:18:25.753+01:002019-08-05T21:18:25.753+01:00Hi RIT,
Have been following your journey for a co...Hi RIT,<br /><br />Have been following your journey for a couple of years but have felt compelled to get involved recently to say a few things:<br /><br />1. Congratulations on doing it! It really is an incredible achievement and I have huge admiration for the way you have done it (partly because I doubt I could quite bring myself to do it the same way!). Was excited myself to see you do it - Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-47294646612623286752019-08-05T13:08:47.563+01:002019-08-05T13:08:47.563+01:00I re-read. Good to see your post FI plan take shap...I re-read. Good to see your post FI plan take shape. Noticed you spend ext to nothing on clothes! One more for your to do list :)Adamnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-77319241513259201942019-08-05T08:19:39.473+01:002019-08-05T08:19:39.473+01:00Great update. Sounds like you've settled on a ...Great update. Sounds like you've settled on a new plan. You portfolio is nice. Markets have been kind in 2019. I like your portfolio, nicely diversified. I put the totals through an amortisation calculator, and see what I can afford to spend. You can't take with you. I'd increase the spending, and risk it, but that's me.Adamnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-66208675719626211142019-08-04T22:47:48.779+01:002019-08-04T22:47:48.779+01:00@RIT - great post - thanks for sharing. I can emp...@RIT - great post - thanks for sharing. I can empathise with a lot of this - especially the 'change one thing at once' dynamic. <br /><br />Random Q: why do you maintain such a high Aus allocation? Are you still retaining, consciously or unconsciously, the option of moving there? Or do you have an 'edge' in that market? Or something else?FIRE v Londonhttps://www.blogger.com/profile/10324995814309981488noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-3408504759969388252019-08-04T12:34:30.459+01:002019-08-04T12:34:30.459+01:00@Scott
I think you just illustrate that retiremen...@Scott<br /><br />I think you just illustrate that retirement is different for everyone. I envy you that you could take to retirement like a duck to water. I certainly couldn't.Bordererhttps://www.blogger.com/profile/08968811078766465187noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-53578132648181729672019-08-04T11:39:36.997+01:002019-08-04T11:39:36.997+01:00Conversely, for me the need for 'decompression...Conversely, for me the need for 'decompression' is over-stated. FIREd over two years ago in my early forties, with no thoughts (yet!) of returning to work, nor angst about finding my 'purpose'.Scottnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-25448391564515529122019-08-04T11:35:29.786+01:002019-08-04T11:35:29.786+01:00Mmm. After the initial euphoria of not ‘having’ to...Mmm. After the initial euphoria of not ‘having’ to do anything, I found myself looking for some kind of routine – after so many years of living a structured life (up at 6, shower, shave, breakfast, out, commute etc etc) I felt at a loss.<br /><br />Perhaps fortuitously (it was‘forced’ on me due to personal circumstances) I reduced my working week some 7 months before finally retiring. I think Bordererhttps://www.blogger.com/profile/08968811078766465187noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-6866798309809161392019-08-04T06:46:20.233+01:002019-08-04T06:46:20.233+01:00Hi Nick
No and as you've probably seen from t...Hi Nick<br /><br />No and as you've probably seen from this post I'm also not going to try and force it either. Every time I try to force something in FIRE it falls apart so for now I'm just going to be. I very much like TA's quote above. That's exactly what I'm going to do.<br /><br />So what am I planning on filling my time with in the near term:<br />- lots of exercise.RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-24366119274723338922019-08-04T06:44:16.093+01:002019-08-04T06:44:16.093+01:00Hi weenie
We have 3 countries where we still migh...Hi weenie<br /><br />We have 3 countries where we still might end up with the UK definitely in the mix.<br /><br />For now we're going to enjoy the UK summer not forcing anything and then will spend some quality time with friends and family. Watch this space after that. I wouldn't like to even guess where we'll end up but I know we will no longer be rushing it.<br /><br />Reading RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-21019237943470410492019-08-03T18:49:33.548+01:002019-08-03T18:49:33.548+01:00I agree with you Borderer but as I mentioned to TA...I agree with you Borderer but as I mentioned to TA why is not much written on the topic... From my experience it is a massively important phase and I'm starting to think if not played right it could even derail FIRE, particularly if the person is going with a lean'ish FIRE with a high'ish WR. I'll probably bore readers to tears but (at the risk of embarrassing myself) I'm RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-68986025055913950382019-08-03T18:41:48.656+01:002019-08-03T18:41:48.656+01:00Loving the quote TA and I am very quickly beginnin...Loving the quote TA and I am very quickly beginning to agree with you on what decompression is all about. I know in the FIRE space not many people are actually at FIRE but I'm still surprised not much is written on the topic. The ermine has written on it and livingafi also shared some interesting experiences but that's about it. <br /><br />Everybody else who is post FIRE never even RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-52935318880332911142019-08-03T18:25:48.412+01:002019-08-03T18:25:48.412+01:00My corporate bonds are ISXF and my index linked gi...My corporate bonds are ISXF and my index linked gilts are INXG. I don't have any gilts.<br /><br />Part of that bonds allocation includes my NS&I ILSC's which will be partly/fully sold down to buy the home. RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-86002997385287762812019-08-03T16:43:34.916+01:002019-08-03T16:43:34.916+01:00Apologies if this has been asked before, but which...Apologies if this has been asked before, but which ETFs are you using for your exposure (if any) to corporate bonds, gilts or index linked gilts? ThanksWillynoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-76936104772829310502019-08-03T15:19:41.244+01:002019-08-03T15:19:41.244+01:00have you had any further progress wrestling with p...have you had any further progress wrestling with purpose other than meaningful relationships need to feature? Asking for a friend....or myself!Nickhttps://www.blogger.com/profile/07922272270661378435noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-50060758606853776782019-08-03T14:19:39.562+01:002019-08-03T14:19:39.562+01:00Another quote that comes to mind: "Don't ...Another quote that comes to mind: "Don't just do something, stand there!"<br /><br />Decompression is perhaps the process of finding out who we really are when work no longer tells you what to do. Going all in is always a risky move so I'm heartened that you're considering a life strategy that's as cautious as your financial strategy: "I’m just going to enjoy what’sThe Accumulatorhttp://www.monevator.comnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-82477183455554665302019-08-03T08:16:53.017+01:002019-08-03T08:16:53.017+01:00I think 'decompression' is the least under...I think 'decompression' is the least understood (and discussed)topic in the FIRE blogosphere. <br /><br />Perhaps this is because it's different for each individual.<br /><br />If I may say so, RIT, you appeared to have done anything but 'decompress'. In my case it's been over 2 years since I RE'd and I'm still going through the process.Leaving job, home and Bordererhttps://www.blogger.com/profile/08968811078766465187noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-70292565137847595962019-08-02T21:29:08.138+01:002019-08-02T21:29:08.138+01:00Thanks for sharing this detailed post, RIT. It com...Thanks for sharing this detailed post, RIT. It comes as no surprise that your short time away from work would have changed you, yet you didn't notice until when you went back to work.<br /><br />Your plan of leaving your job, home and country, although made for great reading, had me feeling stressed on your behalf so I'm glad to hear that you will be taking a leaf out of the ermine's weeniehttps://www.blogger.com/profile/01602950445306813601noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-1064572335167571362019-08-02T20:19:56.474+01:002019-08-02T20:19:56.474+01:00Funny you mention that quote which I think is a go...Funny you mention that quote which I think is a good one. I actually put it into the original post draft but then removed it while reviewing. I'm also still slowly updating my book for a 2nd edition and have it included there as I think it describes a lot about me in both a good and a not so good way.RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-72473100898478432512019-08-02T20:16:03.295+01:002019-08-02T20:16:03.295+01:00I wish you well in the hours reduction quest. I l...I wish you well in the hours reduction quest. I like the Try & R concept. That defines what I'm about to do next well.RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.com