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Forum » What are y'all plans for retirement and are you on track? Is $1,000,000 enough?
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Thread: What are y'all plans for retirement and are you on track? Is $1,000,000 enough?

post 1595710751 01-16-2020, 08:57 AM
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Originally Posted By Frank
You can have passive income from retirement investments. A rental house really is no different than a dividend paying stock.
rental house not all that passive either when shiit keeps breaking.

house is like not as much of a asset as people want to think, that roof aint getting any younger.
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post 1595710761 01-16-2020, 08:58 AM
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Originally Posted By MrQuint⏩
You have to know your expenses to answer this question. Yes I am on track, actually ahead of where I expected to be with how well the market has been doing.

People that want $2+ million saved - what retirement expenses are you projecting that you need that amount? Are those expenses worth the years of your life you will spend working instead of retiring on a smaller amount?
Everyone plans on being in great mental and physical health their whole life....

Do you have any idea what assisted living communitues costs? Depending on level of care easily 7-10k / month.

Hopefully you never get dementia or have inability to move freely, lest you burden your children (should you have any) with either spending their life caring for you or spending an exorbitant amount to take care of you.


A thousand other things incurring expense in retirement could happen... I listed one. 1 million is nowhere near enough if you plan to live to 80.

Knowing how many people barely plan for retirement makes me wonder how many have ever actually understood their life insurance, or how complex setting up a trust can be (and necessary) simple life planning things we should all revisit from time to time.
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post 1595711071 01-16-2020, 09:00 AM
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Originally Posted By AltarOfPlagues⏩
rental house not all that passive either when shiit keeps breaking.

house is like not as much of a asset as people want to think, that roof aint getting any younger.
My parents had rental homes, four places, duplexes. They were a hassle and while a little profitable ... they hated having rentals and moved on to better things. It isn't bad but can be a lot more of a headache than people realize.

I want to own a paved lot with a fence where people store boats and trailers.... about as passive as it gets for real estate with cash flow ?
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post 1595711671 01-16-2020, 09:06 AM
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Originally Posted By AltarOfPlagues⏩
rental house not all that passive either when shiit keeps breaking.

house is like not as much of a asset as people want to think, that roof aint getting any younger.
I have 2 brother in laws that swear by the retirement plan of having a bunch of paid off rental places, bringing in "passive income". The thing is, if these places were paid off the ROI after expenses is probably around 8-9% not even accounting for the headache.

I say this as someone who owns a rental property in the same city as them. It's a way, but its not the only way.
post 1595712491 01-16-2020, 09:16 AM
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#65
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Originally Posted By brianphi⏩
My parents had rental homes, four places, duplexes. They were a hassle and while a little profitable ... they hated having rentals and moved on to better things. It isn't bad but can be a lot more of a headache than people realize.

I want to own a paved lot with a fence where people store boats and trailers.... about as passive as it gets for real estate with cash flow ?
I'm about to rent out my place. I'll prob net $300 in profit at best but I'm looking to move into a place that will be free, so worst case I'm just not paying for my house anymore.

Trying to finish college and it's expensive as fuark so I have no choice.
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post 1595712651 01-16-2020, 09:18 AM
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Originally Posted By Frank
On track to have a bumpless transfer to retirement at 55.

40yrs old
Currently have 3x my gross income invested in tax sheltered accounts.
DB pension of 30% of gross income at 55
Federal pensions will be ~$15k/yr in between ages 60-65.


Invest early young fellas, can't stress that enough.
Do you have any good sources that teach you about different retirement options?
post 1595712861 01-16-2020, 09:21 AM
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Originally Posted By Frank
On track to have a bumpless transfer to retirement at 55.

40yrs old
Currently have 3x my gross income invested in tax sheltered accounts.
DB pension of 30% of gross income at 55
Federal pensions will be ~$15k/yr in between ages 60-65.


Invest early young fellas, can't stress that enough.
Is ~200k at 25 in a 401k and ~15k in a roth a good start at 25? Srs I know little about retirement besides investing early. I have no pension or the like.
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post 1595713081 01-16-2020, 09:25 AM
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Originally Posted By brianphi⏩
My parents had rental homes, four places, duplexes. They were a hassle and while a little profitable ... they hated having rentals and moved on to better things. It isn't bad but can be a lot more of a headache than people realize.

I want to own a paved lot with a fence where people store boats and trailers.... about as passive as it gets for real estate with cash flow ?
This is what I'm thinking. Something like a parking garage. The less you have to deal with people, the better.

I wonder what the potential of this lot. It's right by Midway Airport and the price isn't too bad if you were to put down 20%. I imagine You'd need damn near a $500,000 loan to get it set up though

https://www.loopnet.com/Listing/5920...go-IL/3796759/
post 1595713571 01-16-2020, 09:32 AM
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Originally Posted By brianphi⏩
My parents had rental homes, four places, duplexes. They were a hassle and while a little profitable ... they hated having rentals and moved on to better things. It isn't bad but can be a lot more of a headache than people realize.

I want to own a paved lot with a fence where people store boats and trailers.... about as passive as it gets for real estate with cash flow ?
Storage facility for RV's/Boats/Trailers (Can even have a tin roof to keep sun/rain off them). And a trailer park is about as good as it gets for cash flow. Assuming you have enough land to park 24 trailers/mobile homes on it and you charge $250.00 per month for people to live there. Its an easy 6K per month. You're really only responsible for the maintenance/upkeep of the property. All of the structures are privately owned. If you have a strong lease agreement and make sure people only have new structures, skirting, maintain their lot, etc. you keep riff-raff out. Assuming you pay a property management company 1K per month its 5K completely passive per month.




Also owning a few small businesses that you pay people to run isn't a bad idea either. I was helping out an older guy awhile back and going through his financials. He owns a few pizza shops and donuts shops. As a completely passive venture now in his retirement he makes around 20-30K per month from them as he pays people to manage/run them. Ton's of other small businesses that can be started, built up, then you hire employees to handle once its stable. Most people are just too lazy to have a side venture on top of their full time job.




My goal is 150K per year passive income to retire. Sounds unachieveable to a young person but if you factor in 30 years worth of working towards that goal, investing, etc. its very do-able.
post 1595713961 01-16-2020, 09:37 AM
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Originally Posted By xMetalocalypse⏩
Is ~200k at 25 in a 401k and ~15k in a roth a good start at 25? Srs I know little about retirement besides investing early. I have no pension or the like.
lol yes bruh that isvery verygood. At a reasonable rate of return for the next 30 years (6.5%) you will have 1.4m in todays dollars at age 55.

If you don't invest another GD dime for the rest of your life you can count on a $60,000+ lifetime pension at 55.
post 1595714211 01-16-2020, 09:40 AM
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Originally Posted By FrankCostanza⏩
What’s he do?
thermal engineer, deals with a lot of nasty chemicals, hangs off rafters, just dangerous stuff (in the last 6 months one guy stepped in water that had live wires and another got his legs squashed by a falling 1000 bar/pole so they retire fairly early with 90% pay from the union like how fire fighter retire by 50,
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post 1595714231 01-16-2020, 09:40 AM
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Originally Posted By MikeLowrrrey⏩
Do you have any good sources that teach you about different retirement options?
All I know is that I don't know much. srs. Invest early, invest heavy in boring assed S&P ETF's and just wait. Keep an eye on bubbles (crypto, metals, housing etc) and invest a small amount if you want to gamble but don't stray from the tried and true path.
post 1595714431 01-16-2020, 09:43 AM
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There are so many variables you can really get lost in it. The best plan I think to work for is pay off all your debt, put 15% in a 401k, max ROTH, have 6th months salary saved and put a little extra off your mortgage if you can to pay it off as early as possible. After that enjoy life within reason. There is always going to be ways to bring in extra cash when you're older if you are in dire straits.

"If you can't buy back your youth when you're old then what's the use of silver and gold?"

Just my personal philosophy. I also plan to plop a casita on my kids residence and help raise grandchildren when I'm older so guess not everyone has the same plans for the future.
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post 1595715271 01-16-2020, 09:53 AM
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Originally Posted By brianphi⏩
Everyone plans on being in great mental and physical health their whole life....

Do you have any idea what assisted living communitues costs? Depending on level of care easily 7-10k / month.

Hopefully you never get dementia or have inability to move freely, lest you burden your children (should you have any) with either spending their life caring for you or spending an exorbitant amount to take care of you.


A thousand other things incurring expense in retirement could happen... I listed one. 1 million is nowhere near enough if you plan to live to 80.

Knowing how many people barely plan for retirement makes me wonder how many have ever actually understood their life insurance, or how complex setting up a trust can be (and necessary) simple life planning things we should all revisit from time to time.
You bring up some good points. Yes there are a million things that could happen but if you try to plan for them all you may never retire.

The National Center for Assisted Living lists the average median cost of a single bedroom assisted living apartment in the US at $3700 a month and the majority of people in those facilities are 85+.

FIRECalc gives $1 million at a 4% withdrawal rate an 85% chance to last 40 years, 95% chance to last 30 years. If you actually stuck with the 4% you're likely to die with even more than you retired with.
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post 1595716891 01-16-2020, 10:11 AM
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Originally Posted By Frank
All I know is that I don't know much. srs. Invest early, invest heavy in boring assed S&P ETF's and just wait. Keep an eye on bubbles (crypto, metals, housing etc) and invest a small amount if you want to gamble but don't stray from the tried and true path.
I definitely want to try the stock market. Just hoping I can find that 'netflix' stock one day and make huge gains.
post 1595725421 01-16-2020, 11:59 AM
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Originally Posted By brianphi⏩
Everyone plans on being in great mental and physical health their whole life....

Do you have any idea what assisted living communitues costs? Depending on level of care easily 7-10k / month.

Hopefully you never get dementia or have inability to move freely, lest you burden your children (should you have any) with either spending their life caring for you or spending an exorbitant amount to take care of you.


A thousand other things incurring expense in retirement could happen... I listed one. 1 million is nowhere near enough if you plan to live to 80.

Knowing how many people barely plan for retirement makes me wonder how many have ever actually understood their life insurance, or how complex setting up a trust can be (and necessary) simple life planning things we should all revisit from time to time.
I've read that the odds are pretty much 50/50 that you will need to be in a nursing facility if you live long enough and the average stay before dying is 2 years with a current average cost of $225K per year.
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post 1595726941 01-16-2020, 12:18 PM
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Originally Posted By MikeLowrrrey⏩
This is what I'm thinking. Something like a parking garage. The less you have to deal with people, the better.

I wonder what the potential of this lot. It's right by Midway Airport and the price isn't too bad if you were to put down 20%. I imagine You'd need damn near a $500,000 loan to get it set up though

https://www.loopnet.com/Listing/5920...go-IL/3796759/
My wifes father does this, lives near a big lake on the Ten/Ky border. He rents out storages for rich/wealthy boat owners. He makes a crap ton of money, more than he knows what to do with.
post 1595726981 01-16-2020, 12:19 PM
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lul if u think america not gonna be socialist **** hole by the time you retire. have fun squirrelling away money thats just gonna get taxed 100% or be completey worthless in 40 years
post 1595727811 01-16-2020, 12:30 PM
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I maxed out my 401k the second I got one and it's been exploding, I'll easily have over a million and I'll be gunning for more.
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post 1595729201 01-16-2020, 12:50 PM
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Originally Posted By BigDeeps01⏩
I imagine it'll take me until I'm 40 ish
Age: 50
post 1595729401 01-16-2020, 12:54 PM
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own modest house outright
property tax is only slowly creeping up ($205/mo now)
no other debt

i feel pretty good about where I am
I've worked for this company for 14 years in april
gonna keep going until it goes under and then at the very least take 5 years off

i wouldn't mind having a part time job forever where i wasn't tied to a desk
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post 1595729931 01-16-2020, 01:01 PM
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Originally Posted By brianphi⏩
My parents had rental homes, four places, duplexes. They were a hassle and while a little profitable ... they hated having rentals and moved on to better things. It isn't bad but can be a lot more of a headache than people realize.

I want to own a paved lot with a fence where people store boats and trailers.... about as passive as it gets for real estate with cash flow ?
my pops do timber land but he got it from my gramps. if you had to do it from nothin here it's only like 3 or 4% return depending on a ton of factors. the tax on 100 ac is like 500 dollars bc its agricultural. the pay is something like 1000 an acre at 25 -30 years maturity on pine trees (overgeneralizing again).

theres one or two rounds of thinning that pays too

it is not a great investment but it is actually fun bc u can camp on it, build a house if you want, hunt on it etc.

i hunt it all winter and take my boys out there to camp
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post 1595729961 01-16-2020, 01:01 PM
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Originally Posted By Leonydus⏩
lul if u think america not gonna be socialist **** hole by the time you retire. have fun squirrelling away money thats just gonna get taxed 100% or be completey worthless in 40 years
Legitimate fear of mine.

Too old to get the benefit of free college, and then I'll be the old rich person who gets taxed to hell.
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post 1595730021 01-16-2020, 01:02 PM
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Take your annual expenditures and multiply them by the number of years you want to live in retirement.

Basic math. 2nd grade or so.

We spend about £25,000 per year.
£1,000,000 will give us about 40 years.
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post 1595730921 01-16-2020, 01:14 PM
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Originally Posted By andy0w⏩
Take your annual expenditures and multiply them by the number of years you want to live in retirement.

Basic math. 2nd grade or so.

We spend about £25,000 per year.
£1,000,000 will give us about 40 years.
fortunately, inflation doesn't exist
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post 1595732201 01-16-2020, 01:31 PM
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Originally Posted By andy0w⏩
Take your annual expenditures and multiply them by the number of years you want to live in retirement.

Basic math. 2nd grade or so.

We spend about £25,000 per year.
£1,000,000 will give us about 40 years.
Holee fuk I don't know where to start
post 1595733151 01-16-2020, 01:44 PM
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Originally Posted By andy0w⏩
Take your annual expenditures and multiply them by the number of years you want to live in retirement.

Basic math. 2nd grade or so.

We spend about £25,000 per year.
£1,000,000 will give us about 40 years.
Pretty sure it's not that easy LOL, a lot can change in 40 years.

According to this calculator 1,000,000 in 1980 would have the same buying power as $3,303,007.71 today.

https://data.bls.gov/cgi-bin/cpicalc...1&year2=201912
post 1595733191 01-16-2020, 01:45 PM
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I think I'm in a good spot, taking after my parents as role models...

Dad was a mechanical engineer then moved into the business side (retired as VP of large manufacturing company but I don't think ever got above $200,000/yr), mom was a preschool teacher who never made more than $40,000/yr. Growing up I lived very modest, my parents were very frugal and my dad was very much into saving for retirement. They both retired by 60 with about $2 million in various accounts.

My wife and I have a mortgage on our house with already about $100,000 in principal (and about $340,000 left on the loan), we have automatic payments of $1,000 a month into index funds with about $50,000 total in them now, we have over $100,000 in our 401ks, and another $30,000 in savings accounts as our rainy day fund. I think we're in good shape to retire by 60 (I'm 32, she's 28). The key to our lives is not paying for stuff we don't need and not paying people to do things we can do ourself and not caring about the Jones's. We live in a nice neighborhood in South Florida and I'm pretty sure we're the only ones that don't have a landscaper, don't have a pool boy, and don't have a cleaning lady, because we do all of that shyt ourself which probably saves us a few hundred dollars a month.
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post 1595734701 01-16-2020, 02:06 PM
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Originally Posted By Leonydus⏩
lul if u think america not gonna be socialist **** hole by the time you retire. have funsquirrelling away money thats just gonna get taxed 100% or be completey worthless in 40 years
Not gonna lie, I amvery worriedabout this in all honesty.
post 1595734861 01-16-2020, 02:08 PM
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It's all about your expenses.

I'll pass this link on, as I originally discovered MMM through Misc a little over 5 years ago and we're probably 2 years from retirement now.

The Shockingly Simple Math Behind Early Retirement
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