I love to crunch my numbers this way and that. Recently I have discovered that if I retire right now, it looks like this:

- withdraw $1,400 per month beginning 4/1/19
- give myself a 2% COLA every Jan 1st
- hold off on SS until FRA (67)
- at age 67, reduce monthly withdrawal by $750 (realistic SS benefits estimate)
- assuming 5% IRR, run out of money at age 96

Even though I cannot live my desired lifestyle on $1,400 per month, it is a very liberating feeling to know I can cover my basic needs come what may.

I have built a spreadsheet and will continue to fill in actual numbers and re-calculate each month. At some point, the monthly withdrawal is going to become enticing enough to pull the trigger on retirement.

Just heard about this no hoops money market account, currently paying 2.5%. Their marketing strategy cracks me up.

I love how simple my budget has gotten! If I can stick to it, I will reach my goals.

Well, my net worth has gotten very simple. I decided to leave the value of my car off because I'm not going to sell it; and OK, I just didn't want to try squeezing it into the space.



I did a pretty good job estimating my net proceeds from the house sale. I did give away some money but investment performance for the month gave it right back.