I am contemplating relocating to SoCal for the weather and food culture. For those who are retired in California, what does your monthly spend look like? Pros/Cons of retirement there? TIA.
My currently monthly spend is around $10,500 USD in another VHCOL. I plan to sell my current house (around $900k-$1M) if I do relocate. I’m not worried about healthcare since I have national coverage.
Those who are retired, what does your portfolio allocation like? Is it the typical VTI/VXUS or something different?
I've been training for a few years, and I noticed those around me always hunting for a sub when rolling. This doesn't come naturally to me. I always enter a roll trying to see what the other person does and defend/escape. I usually get a sub when they make a mistake, usually by taking the back with a rnc or other neck choke. Do/should I need to be more aggressive? I'm older than most at my gym, almost hitting 50 and a career in the Army with a banged-up body so I don't move fast. Smaller too, at a buck forty-five.
For those who follow “Big ERN” https://earlyretirementnow.com/2026/01/30/options-trading-series-part-14-year-2025-review/#more-80916 he supplements his retirement with options, usually covered calls. Any thoughts on this? Pro or con.
As title says, can a disabled veteran with mental disability get a ccw permit in CA?
I am currently withdrawing from my brokerage account and have a good chunk in cash, more than a few years of expenses. I was going to throw the extra cash it into VTI/VXUS but was wondering if a dividend paying ETF may be a better fit so I won’t have to sell equities and just use the distributions since it’s higher than VTI. Thoughts?
Thoughts on tactical momentum etfs? SPMO/FMTM//MTUM often rotate from stock to stock whereas a tactical etf can rotate in assets like gold, cash, bonds. However, once the broad market drops, is it wise to then rotate in safe assets vs buying low?
For those retired, do you keep your portfolio in broad index funds (VTI,VXUS) or in high growth, more volatile funds (VGT or others SMH, SOXX, etc.)?
I am currently mainly in VTI and VXUS. Trying to determine if I want a small tilt, like 5% into VGT for potential additional growth.
Is the juice worth the squeeze while retired? I’m mid-40s so will be planning to be retired for about 40 years.
I was reading an article that most retiree’s daily expenses lower after age 70 (excludes healthcare). So for younger retirees in their mid-40s, is it ok to withdraw higher than 4%, to even 5-6% so you can enjoy your peak years in retirement (age 45-70)? And understand the SWR will decline once you pass the “peak” years where you’re healthier and more mobile?
FIRE’d about 6 months ago and still transitioning mentally from a financial perspective. Current monthly spend is $9,500 via pension but I’m thinking about topping it off to $11,000 with investment. I’m having a hard time dipping into my investments however. My portfolio is small at $1.2m between taxable and IRAs. I’m afraid of running out of money. My pension is inflation adjusted annually. I’m trying to figure out a balance of ensuring I enjoy retirement whilst not running out of funds while living in California.
I have been a long time investor in VXUS. I recently learned of DFAX which is kind of like VXUS with a tilt towards small value and screens out non profitable companies. It’s only been out 5 years and it’s actively managed. Thoughts on this? I personally like it myself and the fees aren’t crazy at .28.
The Vanguard 30-year bond breached 5% today. At what point does it make sense to move more to bonds instead of stocks?
Are there certain destinations that redeem well with Virgin? I fly out of LAX and SFO. Right now, redemption flights to London is expensive between points and several thousand in fees.