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Would you retire on 12K/mo with no debt or mortgage?

Fixed expenses of $2,000/mo (property taxes, utilities, inte...
Amber bateful haunted graveyard
  06/07/25
I plan on retiring on approximately 8K/month with no mortgag...
Duck-like Claret Round Eye
  06/07/25
I turn 49 next week, and I'm done with it all. Hopefully...
Amber bateful haunted graveyard
  06/07/25
Retiring that early with that much cash really only leaves y...
Duck-like Claret Round Eye
  06/07/25
the alternative is killself, which seems more catastrophic
Amber bateful haunted graveyard
  06/07/25
healthcare eats up like 25k of post-tax for a gold/family pl...
histrionic range
  06/08/25
Can you explain how that really works? I have Health insuran...
180 Drunken Stead International Law Enforcement Agency
  06/08/25
health insurance is basically for a. pre-negotiated rates...
histrionic range
  06/08/25
Yeah I know that. In countries like Malaysia you get A+ insu...
180 Drunken Stead International Law Enforcement Agency
  06/08/25
america has it's faults, but my guess is most people who spe...
histrionic range
  06/08/25
id do it on 6K month
Sienna Giraffe Piazza
  06/07/25
I might learn spanish and hie thee to costa rica
Amber bateful haunted graveyard
  06/07/25
actually thinking of doing this in next couple months, i hav...
Sienna Giraffe Piazza
  06/07/25
...
Amber bateful haunted graveyard
  06/07/25
...
drab razzle-dazzle community account scourge upon the earth
  06/07/25
the better question is how fucking retarded would you have t...
Crimson theatre weed whacker
  06/07/25
I'm thinking the same thing, I'm not striving for a RSF/CSLG...
Amber bateful haunted graveyard
  06/07/25
this sounds 180 except change golf to hiking
Sienna Giraffe Piazza
  06/07/25
That would require $7 million invested. Most people will sa...
costumed foreskin coldplay fan
  06/07/25
4.2mm with 1.2mm equity in home 1.2mm is in 401K that I d...
Amber bateful haunted graveyard
  06/07/25
How are you going to get $144k annually after tax out of tha...
costumed foreskin coldplay fan
  06/07/25
How are you not? The 4% rule is garbage, and who said anythi...
Amber bateful haunted graveyard
  06/07/25
It's the three percent rule now
costumed foreskin coldplay fan
  06/08/25
lol i'm about to retire on $4500/mo. $12k would be nuts.
yellow depressive coffee pot
  06/07/25
Total monthly expenses now? Expected total monthly expens...
At-the-ready mentally impaired school cafeteria sweet tailpipe
  06/07/25
Current monthly expenses are about $3,500-4,000. I eat out a...
Amber bateful haunted graveyard
  06/07/25
I'm looking for about 6k after tax
Tan Abnormal Market New Version
  06/07/25
To what country? Usa is a shithole https://www.foxnews.com/...
180 Drunken Stead International Law Enforcement Agency
  06/08/25
Only if it were guaranteed to increase with inflation. We pr...
Vibrant aquamarine home
  06/08/25
Doctors haven't had any increase in Medicare payments since ...
180 Drunken Stead International Law Enforcement Agency
  06/08/25


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Reply Favorite

Date: June 7th, 2025 8:21 PM
Author: Amber bateful haunted graveyard

Fixed expenses of $2,000/mo (property taxes, utilities, internet, streaming, etc.)

I have low cost healthcare because I'm 1/8 indigenous.

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48995599)



Reply Favorite

Date: June 7th, 2025 8:24 PM
Author: Duck-like Claret Round Eye

I plan on retiring on approximately 8K/month with no mortgage. If you can't retire with six figures yearly, debt free, you're doing something seriously wrong.

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48995603)



Reply Favorite

Date: June 7th, 2025 8:26 PM
Author: Amber bateful haunted graveyard

I turn 49 next week, and I'm done with it all.

Hopefully retirement amount will go up when I turn 62, if SS is still a thing. I don't know how, but I think I've maed it. Frugal inceldom for the W.

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48995612)



Reply Favorite

Date: June 7th, 2025 8:31 PM
Author: Duck-like Claret Round Eye

Retiring that early with that much cash really only leaves you vulnerable to catastrophic medical expenses. If you have good insurance you should be ok.

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48995632)



Reply Favorite

Date: June 7th, 2025 8:32 PM
Author: Amber bateful haunted graveyard

the alternative is killself, which seems more catastrophic

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48995637)



Reply Favorite

Date: June 8th, 2025 11:32 AM
Author: histrionic range

healthcare eats up like 25k of post-tax for a gold/family plan.

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48996650)



Reply Favorite

Date: June 8th, 2025 11:38 AM
Author: 180 Drunken Stead International Law Enforcement Agency

Can you explain how that really works? I have Health insurance as part of my job but never go to doctors.. so they pay for nothing.. I'm thinking of going 1099. Could I rely on just going abroad for Healthcare? Like malaysia?

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48996664)



Reply Favorite

Date: June 8th, 2025 11:45 AM
Author: histrionic range

health insurance is basically for

a. pre-negotiated rates. if you're a cash payer, the first bill you get will be based on the hospital's outrageous book rate for a procedure.

b. catastrophic coverage. if you have to go for surgery, cancer, etc the bills, based on those inflated rate cards, will take almost anyone into bankruptcy

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48996694)



Reply Favorite

Date: June 8th, 2025 11:50 AM
Author: 180 Drunken Stead International Law Enforcement Agency

Yeah I know that. In countries like Malaysia you get A+ insurance/hospital for 1/10 the price. So if you're going to retire why not pick a country like Malaysia for your health home. You just happen to be fucked if you get a heart attack while in usa. But then you're fucked anyway. Most people don't really survive a heart attack.

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48996702)



Reply Favorite

Date: June 8th, 2025 12:16 PM
Author: histrionic range

america has it's faults, but my guess is most people who spent their entire life here do not want to retire in malaysia

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48996742)



Reply Favorite

Date: June 7th, 2025 8:27 PM
Author: Sienna Giraffe Piazza

id do it on 6K month

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48995615)



Reply Favorite

Date: June 7th, 2025 8:28 PM
Author: Amber bateful haunted graveyard

I might learn spanish and hie thee to costa rica

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48995621)



Reply Favorite

Date: June 7th, 2025 8:30 PM
Author: Sienna Giraffe Piazza

actually thinking of doing this in next couple months, i have had it with all the shit and more shit, so done

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48995627)



Reply Favorite

Date: June 7th, 2025 8:31 PM
Author: Amber bateful haunted graveyard



(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48995633)



Reply Favorite

Date: June 7th, 2025 8:29 PM
Author: drab razzle-dazzle community account scourge upon the earth



(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48995624)



Reply Favorite

Date: June 7th, 2025 8:32 PM
Author: Crimson theatre weed whacker

the better question is how fucking retarded would you have to be not to? That is a very decent amount of money but not enough to suggest that you are on the verge of making tens of millions of dollars, which you would have to do to meaningfully change your life

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48995635)



Reply Favorite

Date: June 7th, 2025 8:33 PM
Author: Amber bateful haunted graveyard

I'm thinking the same thing, I'm not striving for a RSF/CSLG lifestyle. I just want to get high and golf occasionally. Maybe go on a couple of minor vacations a year.

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48995640)



Reply Favorite

Date: June 7th, 2025 8:41 PM
Author: Sienna Giraffe Piazza

this sounds 180 except change golf to hiking

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48995653)



Reply Favorite

Date: June 7th, 2025 8:35 PM
Author: costumed foreskin coldplay fan

That would require $7 million invested. Most people will say you can retire with $7 million.

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48995646)



Reply Favorite

Date: June 7th, 2025 8:39 PM
Author: Amber bateful haunted graveyard

4.2mm with 1.2mm equity in home

1.2mm is in 401K that I don't think I can touch for another 6 years.

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48995650)



Reply Favorite

Date: June 7th, 2025 8:41 PM
Author: costumed foreskin coldplay fan

How are you going to get $144k annually after tax out of that

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48995654)



Reply Favorite

Date: June 7th, 2025 8:45 PM
Author: Amber bateful haunted graveyard

How are you not? The 4% rule is garbage, and who said anything about after tax?

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48995660)



Reply Favorite

Date: June 8th, 2025 1:35 AM
Author: costumed foreskin coldplay fan

It's the three percent rule now

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48996136)



Reply Favorite

Date: June 7th, 2025 8:58 PM
Author: yellow depressive coffee pot

lol i'm about to retire on $4500/mo. $12k would be nuts.

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48995680)



Reply Favorite

Date: June 7th, 2025 9:02 PM
Author: At-the-ready mentally impaired school cafeteria sweet tailpipe

Total monthly expenses now?

Expected total monthly expenses in retirement?

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48995683)



Reply Favorite

Date: June 7th, 2025 9:24 PM
Author: Amber bateful haunted graveyard

Current monthly expenses are about $3,500-4,000. I eat out a lot, and if I were retired, I'd probably cook more often.

No wife or kids

I think I'll travel more, averaged out over the course of the year, I think my budget would be 6,000/mo. I'm trying to find reasons not to retire and I'm shooting blanks.

I'll probably golf more, or maybe find some new hobbies.

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48995745)



Reply Favorite

Date: June 7th, 2025 9:18 PM
Author: Tan Abnormal Market New Version

I'm looking for about 6k after tax

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48995733)



Reply Favorite

Date: June 8th, 2025 11:11 AM
Author: 180 Drunken Stead International Law Enforcement Agency

To what country?

Usa is a shithole https://www.foxnews.com/us/former-sex-trafficking-victim-pardoned-president-trump-reveals-disturbing-secrets-legal-brothel

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48996609)



Reply Favorite

Date: June 8th, 2025 11:26 AM
Author: Vibrant aquamarine home

Only if it were guaranteed to increase with inflation. We probably will resort to hyperinflation to get out of our looming debt crisis.

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48996639)



Reply Favorite

Date: June 8th, 2025 11:36 AM
Author: 180 Drunken Stead International Law Enforcement Agency

Doctors haven't had any increase in Medicare payments since 2008. So any inflation brings doctors closer to taxi drivers. The only way for me to make it is invest in inflation adjusted assets like Amazon and bitcoin(too late)

(http://www.autoadmit.com/thread.php?thread_id=5734705&forum_id=2)#48996660)