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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...
vivacious circlehead
  06/07/25
I plan on retiring on approximately 8K/month with no mortgag...
peach twisted school blood rage
  06/07/25
I turn 49 next week, and I'm done with it all. Hopefully...
vivacious circlehead
  06/07/25
Retiring that early with that much cash really only leaves y...
peach twisted school blood rage
  06/07/25
the alternative is killself, which seems more catastrophic
vivacious circlehead
  06/07/25
healthcare eats up like 25k of post-tax for a gold/family pl...
citrine parlor
  06/08/25
Can you explain how that really works? I have Health insuran...
bronze legend
  06/08/25
health insurance is basically for a. pre-negotiated rates...
citrine parlor
  06/08/25
Yeah I know that. In countries like Malaysia you get A+ insu...
bronze legend
  06/08/25
america has it's faults, but my guess is most people who spe...
citrine parlor
  06/08/25
id do it on 6K month
Spectacular Hateful Idiot
  06/07/25
I might learn spanish and hie thee to costa rica
vivacious circlehead
  06/07/25
actually thinking of doing this in next couple months, i hav...
Spectacular Hateful Idiot
  06/07/25
...
vivacious circlehead
  06/07/25
...
Primrose office ape
  06/07/25
the better question is how fucking retarded would you have t...
Sienna corner
  06/07/25
I'm thinking the same thing, I'm not striving for a RSF/CSLG...
vivacious circlehead
  06/07/25
this sounds 180 except change golf to hiking
Spectacular Hateful Idiot
  06/07/25
That would require $7 million invested. Most people will sa...
bateful nursing home
  06/07/25
4.2mm with 1.2mm equity in home 1.2mm is in 401K that I d...
vivacious circlehead
  06/07/25
How are you going to get $144k annually after tax out of tha...
bateful nursing home
  06/07/25
How are you not? The 4% rule is garbage, and who said anythi...
vivacious circlehead
  06/07/25
It's the three percent rule now
bateful nursing home
  06/08/25
lol i'm about to retire on $4500/mo. $12k would be nuts.
aromatic mediation cuckoldry
  06/07/25
Total monthly expenses now? Expected total monthly expens...
big immigrant ladyboy
  06/07/25
Current monthly expenses are about $3,500-4,000. I eat out a...
vivacious circlehead
  06/07/25
I'm looking for about 6k after tax
Razzle Parlour
  06/07/25
To what country? Usa is a shithole https://www.foxnews.com/...
bronze legend
  06/08/25
Only if it were guaranteed to increase with inflation. We pr...
hilarious deranged menage hunting ground
  06/08/25
Doctors haven't had any increase in Medicare payments since ...
bronze legend
  06/08/25


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Reply Favorite

Date: June 7th, 2025 8:21 PM
Author: vivacious circlehead

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=2Elisa#48995599)



Reply Favorite

Date: June 7th, 2025 8:24 PM
Author: peach twisted school blood rage

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=2Elisa#48995603)



Reply Favorite

Date: June 7th, 2025 8:26 PM
Author: vivacious circlehead

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=2Elisa#48995612)



Reply Favorite

Date: June 7th, 2025 8:31 PM
Author: peach twisted school blood rage

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=2Elisa#48995632)



Reply Favorite

Date: June 7th, 2025 8:32 PM
Author: vivacious circlehead

the alternative is killself, which seems more catastrophic

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



Reply Favorite

Date: June 8th, 2025 11:32 AM
Author: citrine parlor

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

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



Reply Favorite

Date: June 8th, 2025 11:38 AM
Author: bronze legend

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=2Elisa#48996664)



Reply Favorite

Date: June 8th, 2025 11:45 AM
Author: citrine parlor

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=2Elisa#48996694)



Reply Favorite

Date: June 8th, 2025 11:50 AM
Author: bronze legend

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=2Elisa#48996702)



Reply Favorite

Date: June 8th, 2025 12:16 PM
Author: citrine parlor

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=2Elisa#48996742)



Reply Favorite

Date: June 7th, 2025 8:27 PM
Author: Spectacular Hateful Idiot

id do it on 6K month

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



Reply Favorite

Date: June 7th, 2025 8:28 PM
Author: vivacious circlehead

I might learn spanish and hie thee to costa rica

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



Reply Favorite

Date: June 7th, 2025 8:30 PM
Author: Spectacular Hateful Idiot

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=2Elisa#48995627)



Reply Favorite

Date: June 7th, 2025 8:31 PM
Author: vivacious circlehead



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



Reply Favorite

Date: June 7th, 2025 8:29 PM
Author: Primrose office ape



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



Reply Favorite

Date: June 7th, 2025 8:32 PM
Author: Sienna corner

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=2Elisa#48995635)



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Date: June 7th, 2025 8:33 PM
Author: vivacious circlehead

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=2Elisa#48995640)



Reply Favorite

Date: June 7th, 2025 8:41 PM
Author: Spectacular Hateful Idiot

this sounds 180 except change golf to hiking

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



Reply Favorite

Date: June 7th, 2025 8:35 PM
Author: bateful nursing home

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=2Elisa#48995646)



Reply Favorite

Date: June 7th, 2025 8:39 PM
Author: vivacious circlehead

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=2Elisa#48995650)



Reply Favorite

Date: June 7th, 2025 8:41 PM
Author: bateful nursing home

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

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



Reply Favorite

Date: June 7th, 2025 8:45 PM
Author: vivacious circlehead

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=2Elisa#48995660)



Reply Favorite

Date: June 8th, 2025 1:35 AM
Author: bateful nursing home

It's the three percent rule now

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



Reply Favorite

Date: June 7th, 2025 8:58 PM
Author: aromatic mediation cuckoldry

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

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



Reply Favorite

Date: June 7th, 2025 9:02 PM
Author: big immigrant ladyboy

Total monthly expenses now?

Expected total monthly expenses in retirement?

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



Reply Favorite

Date: June 7th, 2025 9:24 PM
Author: vivacious circlehead

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=2Elisa#48995745)



Reply Favorite

Date: June 7th, 2025 9:18 PM
Author: Razzle Parlour

I'm looking for about 6k after tax

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



Reply Favorite

Date: June 8th, 2025 11:11 AM
Author: bronze legend

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=2Elisa#48996609)



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Date: June 8th, 2025 11:26 AM
Author: hilarious deranged menage hunting ground

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=2Elisa#48996639)



Reply Favorite

Date: June 8th, 2025 11:36 AM
Author: bronze legend

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=2Elisa#48996660)