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My current goal and recommended risk level (80 / 20b) is to receive my projected retirement pension at age 62 and have Social Security at age 70.
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If I think like that and I retire when I’m 45 (15 years from now, I’m 30 now), then I’ll ruin my career. What are my concerns about cuts – if pensions and social security are not available? If I’m considering Financial Freedom, I’m wondering if I should do an assessment to determine if I can freeze my source of income at work and make it to age 100 without Social Security and a pension. If I did that, my career ‘retirement’ age would be 50 and a 91% success rate, putting me now in my 90s/10bs.
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Slowandsteadywins wrote: ↑Thursday Apr 14, 2022 08:05 AM Hello everyone, My goal is to be financially independent, not necessarily, or really, to retire early (FI-RE). My current goal and recommended risk level (80 / 20b) is to receive my estimated occupational pension at age 62 and have Social Security at age 70. I am 30 years old), then I will thin my portfolio a lot. My fear of cuts is if pensions and social security disappear. If I am thinking of becoming financially independent, I wonder if I should build a program with my own budget to determine if I can stop my source of income at work and manage to reach 100 without social security and pension. We are looking for solid boards and opinions from others here. Thank you! Go to https://walletburst.com/tools/ and find out what you need to hold down a job at age 45 and cover your expenses without SS and retirement before age 55.
CyclingDuo wrote: ↑ Thu Apr 14, 2022 8:08 am Go to https://walletburst.com/tools/ and find out what you need to save for retirement at age 45 and pay your expenses without SS and pension by age 55 Monte Calculations My Carlo includes recommended stock/bond combinations on the glide path to ensure the necessary risk-taking for the target and timeframe. This linked app doesn’t seem to do that and I think it gets the same 80/20 (versus the savings/emergency fund involved in my data entry this device).
Slowandsteadywins wrote: ↑ Thu Apr 14, 2022 08:05 AM If I thought this way and retired at 45 (15 years from now, now 30), then I would be reducing a lot of my portfolio. win slow and steady,
If you spend less and save more now and your job is 25 times your annual expenses, where is the problem?
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I save 1 year of annual expenses. My FI portfolio size is 25X. I don’t have any problems.
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In my opinion, you can count on social security, but retirement is something you can’t count on if you don’t work. You don’t know when the company will stop paying future pensions, and you don’t know if you’ll be able to work there for years to get your estimated payout. Personally, I like the idea of retiring earlier than later, especially if it’s a goal you’ve had for a long time.
Averagedude wrote: ↑Thu Apr 14, 2022 9:00 PM In my opinion, you can count on social security, but a pension is something you can’t count on if you don’t work. You don’t know when the company will stop paying future pensions, and you don’t know if you’ll be able to work there for years to get your estimated payout. Personally, I like the idea of retiring earlier than later, especially if it’s a goal you’ve had for a long time. Thank you for participating in this with me.
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Based on the assumption that the SSC will be there, I think at that level of confidence, my pension will be given for 5 years. Current pension plans are responsible for reducing and delaying pension payments starting at age 62. If we hope the SSA will exist, I also hope the federal pension will exist.
I believe, actually for me, this is my goal “financial freedom” I have to take into account the receipt of KLSH -and- Pension because I think both are based on the same belief method. or,, what about me, if I only consider my assets/portfolio as “income” that makes me “self-employed” (from SSA + pension or other promised benefits?)
Slowandsteadywins wrote: ↑Thu Apr 14, 2022 9:03 PM averagedude wrote: ↑Thu Apr 14, 2022 9:00 PM In my opinion, you can count on social security, but retirement is something you can’t. I hope you don’t make him work. You don’t know when the company will stop paying future pensions, and you don’t know if you’ll be able to work there for years to get your estimated payout. Personally, I like the idea of retiring earlier than later, especially if it’s a goal you’ve had for a long time. Thank you for participating in this with me. Based on the assumption that the SSC will be there, I think at that level of confidence, my pension will be given for 5 years. Current pension plans are responsible for reducing and delaying pension payments starting at age 62. If we hope the SSA will exist, I also hope the federal pension will exist. I believe, actually for me, this is my goal “financial freedom” I have to take into account the receipt of KLSH -and- Pension because I think both are based on the same belief method. Or, should I consider my assets/portfolio as “income” that makes me “self-sufficient” (with SSA + pension or other promised benefits?) as long as you are insured and contribute to work for a higher pension. payment for the extra years of work, I will bank the pension and add it to my FIRE number. Save like a pessimist and invest like an optimist.
Averagedude wrote: ↑Thu Apr 14, 2022 9:26 pm As long as you get paid and work to earn a high pension by working for a few years, I’d charge the pension and add it to my FIRE number. Save like a pessimist and invest like an optimist. I estimate that my pension, if collected at age 62, for retirement at age 45, would be $25,000 or more per year. This is based on my assumptions about retirement income, including SSA at age 70.
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I have updated my original post to show Vanguard PAS lanes for each level. Assuming SSA + pension built in above, I’m now in my 80s/20s. The only thing that will change in the final PAS plan (assuming I have no SSA + no pension) is +5 years of pension at age 50, 90s/10b distribution now then, slowly moving to 85s/15b -> 80s / 15b.
All things being equal, both assumptions will lead to a margin of error or difference that will not significantly change the outcome (getting SSA + pension or not getting SSA + pension). Worst case scenario, when the time comes, we can lower the retirement age from 45 to 50.
After all, I want to know when I have the ability to walk, or rather, push when necessary, or just take the right work assignments and be light. when I do work (not politics or fear of hostile colleagues or clients) he wants it. FI is greater than /RE.
I would say that once you retire for 5 years, your situation will become clearer. Now you can only make your best guess.
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My DW employer has canceled the medical pension for anyone under 40. They have also canceled retirement life insurance for anyone retiring after 2021. Benefits are easily cancelled. Pensions are earned and they are different in my opinion.
Wiggums wrote: ↑Thursday Apr 14, 2022 10:14 PM I would say that when you are 5 years from retirement your situation will be clearer. Now you can only make your best guess. hello The more I “pressed” it, the more I realized that the initial 80/20 and 90/10 slide paths may not make a significant difference in success rate for either situation or planned mindset (SSA/Pension or not). In any case, I’ll know more as I get closer to the real thing