u/useredditto

Just curious… I keep seeing the 4% withdrawal rate mentioned here, and a lot of people talk about needing around $3 million for retirement. Are you planning to pass that wealth on to the next generation? Because from what I understand, with a 4% withdrawal rate you’d still have that $3 million sitting there after 30 years.
And I was running some numbers too — if your spending is around $4.5K a month, you’d only need roughly $500K at age 67 to keep that balance going basically forever. The government pension would cover a chunk of your spending anyway. Obviously that’s all based on today’s rules, and things can always change.
This is having paid off PPOR.

Update: I appreciate the marketing suggestions, but as I have previously mentioned my preferred coffee style, I am looking for real-world recommendations

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Something similar to Campos Superior and Colombia ( green bags from Woolies)
I heard Merlo is smooth? But Merlo Cafes sell only 1kg blue bags. Merlo website offers lots of different beans…
Thanks.

I’ve just run different scenarios with Gemini and looks like switching to non-concessional contributions on or before 01/07/2027 instead of investing in DHHFs is a big win with the new tax rules.
Sure, probably depends on your age but still..
Thoughts?

Any experience with this bidet?
It says it has air gap and apparently no extra backflow device is required…
TOTO has AVB and air gap but way more expensive..