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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...
khaki soul-stirring crotch
  06/07/25
I plan on retiring on approximately 8K/month with no mortgag...
slimy excitant cuckold toilet seat
  06/07/25
I turn 49 next week, and I'm done with it all. Hopefully...
khaki soul-stirring crotch
  06/07/25
Retiring that early with that much cash really only leaves y...
slimy excitant cuckold toilet seat
  06/07/25
the alternative is killself, which seems more catastrophic
khaki soul-stirring crotch
  06/07/25
healthcare eats up like 25k of post-tax for a gold/family pl...
Multi-colored really tough guy business firm
  06/08/25
Can you explain how that really works? I have Health insuran...
red stirring regret ratface
  06/08/25
health insurance is basically for a. pre-negotiated rates...
Multi-colored really tough guy business firm
  06/08/25
Yeah I know that. In countries like Malaysia you get A+ insu...
red stirring regret ratface
  06/08/25
america has it's faults, but my guess is most people who spe...
Multi-colored really tough guy business firm
  06/08/25
id do it on 6K month
harsh sexy son of senegal
  06/07/25
I might learn spanish and hie thee to costa rica
khaki soul-stirring crotch
  06/07/25
actually thinking of doing this in next couple months, i hav...
harsh sexy son of senegal
  06/07/25
...
khaki soul-stirring crotch
  06/07/25
...
Fighting abusive gay wizard
  06/07/25
the better question is how fucking retarded would you have t...
comical sooty mediation
  06/07/25
I'm thinking the same thing, I'm not striving for a RSF/CSLG...
khaki soul-stirring crotch
  06/07/25
this sounds 180 except change golf to hiking
harsh sexy son of senegal
  06/07/25
That would require $7 million invested. Most people will sa...
dark sticky home
  06/07/25
4.2mm with 1.2mm equity in home 1.2mm is in 401K that I d...
khaki soul-stirring crotch
  06/07/25
How are you going to get $144k annually after tax out of tha...
dark sticky home
  06/07/25
How are you not? The 4% rule is garbage, and who said anythi...
khaki soul-stirring crotch
  06/07/25
It's the three percent rule now
dark sticky home
  06/08/25
lol i'm about to retire on $4500/mo. $12k would be nuts.
concupiscible degenerate state
  06/07/25
Total monthly expenses now? Expected total monthly expens...
sepia brunch
  06/07/25
Current monthly expenses are about $3,500-4,000. I eat out a...
khaki soul-stirring crotch
  06/07/25
I'm looking for about 6k after tax
maniacal volcanic crater ape
  06/07/25
To what country? Usa is a shithole https://www.foxnews.com/...
red stirring regret ratface
  06/08/25
Only if it were guaranteed to increase with inflation. We pr...
bearded mad-dog skullcap chapel
  06/08/25
Doctors haven't had any increase in Medicare payments since ...
red stirring regret ratface
  06/08/25


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Reply Favorite

Date: June 7th, 2025 8:21 PM
Author: khaki soul-stirring crotch

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...id.#48995599)



Reply Favorite

Date: June 7th, 2025 8:24 PM
Author: slimy excitant cuckold toilet seat

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...id.#48995603)



Reply Favorite

Date: June 7th, 2025 8:26 PM
Author: khaki soul-stirring crotch

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...id.#48995612)



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Date: June 7th, 2025 8:31 PM
Author: slimy excitant cuckold toilet seat

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...id.#48995632)



Reply Favorite

Date: June 7th, 2025 8:32 PM
Author: khaki soul-stirring crotch

the alternative is killself, which seems more catastrophic

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



Reply Favorite

Date: June 8th, 2025 11:32 AM
Author: Multi-colored really tough guy business firm

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...id.#48996650)



Reply Favorite

Date: June 8th, 2025 11:38 AM
Author: red stirring regret ratface

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...id.#48996664)



Reply Favorite

Date: June 8th, 2025 11:45 AM
Author: Multi-colored really tough guy business firm

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...id.#48996694)



Reply Favorite

Date: June 8th, 2025 11:50 AM
Author: red stirring regret ratface

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...id.#48996702)



Reply Favorite

Date: June 8th, 2025 12:16 PM
Author: Multi-colored really tough guy business firm

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...id.#48996742)



Reply Favorite

Date: June 7th, 2025 8:27 PM
Author: harsh sexy son of senegal

id do it on 6K month

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



Reply Favorite

Date: June 7th, 2025 8:28 PM
Author: khaki soul-stirring crotch

I might learn spanish and hie thee to costa rica

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



Reply Favorite

Date: June 7th, 2025 8:30 PM
Author: harsh sexy son of senegal

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...id.#48995627)



Reply Favorite

Date: June 7th, 2025 8:31 PM
Author: khaki soul-stirring crotch



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



Reply Favorite

Date: June 7th, 2025 8:29 PM
Author: Fighting abusive gay wizard



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



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Date: June 7th, 2025 8:32 PM
Author: comical sooty mediation

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...id.#48995635)



Reply Favorite

Date: June 7th, 2025 8:33 PM
Author: khaki soul-stirring crotch

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...id.#48995640)



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Date: June 7th, 2025 8:41 PM
Author: harsh sexy son of senegal

this sounds 180 except change golf to hiking

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



Reply Favorite

Date: June 7th, 2025 8:35 PM
Author: dark sticky 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=2...id.#48995646)



Reply Favorite

Date: June 7th, 2025 8:39 PM
Author: khaki soul-stirring crotch

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...id.#48995650)



Reply Favorite

Date: June 7th, 2025 8:41 PM
Author: dark sticky 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=2...id.#48995654)



Reply Favorite

Date: June 7th, 2025 8:45 PM
Author: khaki soul-stirring crotch

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...id.#48995660)



Reply Favorite

Date: June 8th, 2025 1:35 AM
Author: dark sticky home

It's the three percent rule now

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



Reply Favorite

Date: June 7th, 2025 8:58 PM
Author: concupiscible degenerate state

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...id.#48995680)



Reply Favorite

Date: June 7th, 2025 9:02 PM
Author: sepia brunch

Total monthly expenses now?

Expected total monthly expenses in retirement?

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



Reply Favorite

Date: June 7th, 2025 9:24 PM
Author: khaki soul-stirring crotch

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...id.#48995745)



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Date: June 7th, 2025 9:18 PM
Author: maniacal volcanic crater ape

I'm looking for about 6k after tax

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



Reply Favorite

Date: June 8th, 2025 11:11 AM
Author: red stirring regret ratface

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...id.#48996609)



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Date: June 8th, 2025 11:26 AM
Author: bearded mad-dog skullcap chapel

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...id.#48996639)



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Date: June 8th, 2025 11:36 AM
Author: red stirring regret ratface

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...id.#48996660)