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Gerard January 13,6: And as usual, the number of work years saved through small lifestyle changes boggles the mind. GamingYourFinances July 6, There is something very reassuring about the simplicity of the math.
I made many small tweaks to my lifestyle after this post. Each one worth less than 0. Free Money Minute February 24, Small changes are good, lots and lots of small changes are even better.
Hope that helps anyone as I was a bit confused at first when I was calculating my savings rate! Matt May 30,7: It says that you have to add back any deductions to your take home pay. If you do it correctly, your pay becomes equal to the denominator of your formula.
Note that I include employer match as well. Perhaps MR MM could have been clearer on this point.
January 13,6: Nords did a similar post with the math behind early retirement here: I even hacked together a crude spreadsheet to do all the calculations on early retirement for you, given a set of assumptions saving rate, spending rate, rate of return.
MMM, feel free to post it in this post too if you want, or even improve on it and post it.
MMM readers like spreadsheets, so I think some people will enjoy playing around with it. I sure have fun playing with numbers.
No Name Guy January 13,1: Fist off, when you retire, roll the k to an IRA. Check it out on the IRS web site. One formula is based on your age, another is like an annuity and I forget off the top of my head what the 3rd formula is. MacGyverIt January 13,4: EL March 3,8: One thing that could complicate things is that the amounts are fixed for 5 years straight, and if you have a down year, the income payments from the portfolio might eat into your principle more than you would like or prefer.
Jimbo January 13,6: Jeff January 13,6: Even ks have workarounds, see the article right here on this blog: The concept and principles, I do all the time. Also, have you ever tried talking to a financial advisor about this sort of strategy?
You get a loooot of funny looks. People like to work during 40 year spans, I think. Bullseye January 13,8: Every extra payment means your next payment will go more towards principle and less towards interest.
Same effect as a compounding investment. All you need to do is pay the taxes on them. In fact, if you structure it right, and live a low cost lifestyle, you can withdraw it all effectively tax free.
Jimbo January 13,8: I appreciate the input…. Good advice, I will keep that in mind.While our foundation has held firm, we pride ourselves on continuing to modernize the curriculum and our teaching practices. The prestigious Bernard M.
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