看看人家美国人，华人的大妈是不是该反省了 40. Married. Two young kids. Spouse doesn’t work San Francisco area. Engineer at a FAANG company Financial Net worth: $4m Taxable index funds: $2m Long-term vested company stock: $900k 401k: $800k Roth IRA: $200k 529: $100k Allocation across all funds: 40% Total US, 30% Total International, 10% Emerging, 10% REIT, 10% Total Bond Cash dividends from taxable funds: $3,000/mo ($36k/yr) Renting. No mortgage or other debt Vehicles are new, dependable, and paid off. Keeping as long as possible Last year’s spending: $8,500/mo ($100k/yr) FIRE plan When: A few months Type: FatFIRE, maintaining current lifestyle Move: To an area with much lower housing costs. Most other expenses are 20% cheaper there Estimated max retirement spending: $8,500/mo ($100k/yr), although will likely be lower due to new COL Housing: $3,000/mo ($36k/yr). Rent while getting to know the new area before buying a $750k house. Put $300k down payment down to stay under the jumbo loan limit of $450k. 30yr fixed mortgage on $450k is about $3,000/mo including property taxes and insurance. No intent to pay off early. Although this may seem extravagant, a nice home for my family is a reward after years of hard work Healthcare: $2,500/mo ($30k/yr) to be safe. Open market. If annual MAGI is <$100k, would be eligible for premium tax credit with two kids All other expenses: $3,000/mo ($36k/yr), although likely lower. Travel is the biggest wildcard Withdrawal strategy: Dividends from taxable funds of $3,000/mo ($35k/yr) will take care of a chunk of my overall $8,500/mo ($100k/yr) expenses. The remainder ($5,500/mo) can be drawn down at a 1.8% rate from pools like my remaining company stock, Roth IRA contributions, and taxable funds (although this would mean fewer dividends going forward). If dividends aren't used, withdrawal rate would be 2.8%. According to EarlyRetirementNow, anything <3% is close to fail safe. Withdrawal frequency: Monthly, to keep more money invested longer Equity and bond allocation change over time: None, remaining high equities. I'm aware my house will become a larger part of my assets over time How to spend the time: Raise kids. Time with family and friends. Travel. Personal coding projects. Plenty of hobbies Future side income: Not banking on any at the moment
看看人家美国人，华人的大妈是不是该反省了 40. Married. Two young kids. Spouse doesn’t work San Francisco area. Engineer at a FAANG company Financial Net worth: $4m Taxable index funds: $2m Long-term vested company stock: $900k 401k: $800k Roth IRA: $200k 529: $100k Allocation across all funds: 40% Total US, 30% Total International, 10% Emerging, 10% REIT, 10% Total Bond Cash dividends from taxable funds: $3,000/mo ($36k/yr) Renting. No mortgage or other debt Vehicles are new, dependable, and paid off. Keeping as long as possible Last year’s spending: $8,500/mo ($100k/yr) FIRE plan When: A few months Type: FatFIRE, maintaining current lifestyle Move: To an area with much lower housing costs. Most other expenses are 20% cheaper there Estimated max retirement spending: $8,500/mo ($100k/yr), although will likely be lower due to new COL Housing: $3,000/mo ($36k/yr). Rent while getting to know the new area before buying a $750k house. Put $300k down payment down to stay under the jumbo loan limit of $450k. 30yr fixed mortgage on $450k is about $3,000/mo including property taxes and insurance. No intent to pay off early. Although this may seem extravagant, a nice home for my family is a reward after years of hard work Healthcare: $2,500/mo ($30k/yr) to be safe. Open market. If annual MAGI is <$100k, would be eligible for premium tax credit with two kids All other expenses: $3,000/mo ($36k/yr), although likely lower. Travel is the biggest wildcard Withdrawal strategy: Dividends from taxable funds of $3,000/mo ($35k/yr) will take care of a chunk of my overall $8,500/mo ($100k/yr) expenses. The remainder ($5,500/mo) can be drawn down at a 1.8% rate from pools like my remaining company stock, Roth IRA contributions, and taxable funds (although this would mean fewer dividends going forward). If dividends aren''''t used, withdrawal rate would be 2.8%. According to EarlyRetirementNow, anything <3% is close to fail safe. Withdrawal frequency: Monthly, to keep more money invested longer Equity and bond allocation change over time: None, remaining high equities. I''''m aware my house will become a larger part of my assets over time How to spend the time: Raise kids. Time with family and friends. Travel. Personal coding projects. Plenty of hobbies Future side income: Not banking on any at the moment Vesper8 发表于 2021-02-14 18:08
Two kids could cost 600K+ just for undergrad study unless the parents are willing to let the kids to be on the hook financially. The market could go down 50% say if a dirty bomb detonates in SF or NYC and stay down for a long period of time and 90% equity allocation will take it on the chin. yeah very unlikely but never say never (绝对够了)
Two kids could cost 600K+ just for undergrad study unless the parents are willing to let the kids to be on the hook financially. The market could go down 50% say if a dirty bomb detonates in SF or NYC and stay down for a long period of time and 90% equity allocation will take it on the chin. yeah very unlikely but never say never (绝对够了) yolandos 发表于 2021-02-15 17:08
re, 不是富豪退休买4M的房子干嘛，美国也很多人退休down size嘛！上海这种租售比奇差的地方，租房够了，就算2千美金一个月，一年才需要2万美金，4米能租200年。。。退休也不需要多大，也不需要学区，2千美金能租到很舒服的啦。蔚来的李斌之前在上海租的房子才1万人民币一个月，除非你觉得你比李斌有钱很多。。。
40. Married. Two young kids. Spouse doesn’t work San Francisco area. Engineer at a FAANG company Financial
Net worth: $4m
Taxable index funds: $2m Long-term vested company stock: $900k 401k: $800k Roth IRA: $200k 529: $100k Allocation across all funds: 40% Total US, 30% Total International, 10% Emerging, 10% REIT, 10% Total Bond Cash dividends from taxable funds: $3,000/mo ($36k/yr) Renting. No mortgage or other debt Vehicles are new, dependable, and paid off. Keeping as long as possible Last year’s spending: $8,500/mo ($100k/yr) FIRE plan
When: A few months Type: FatFIRE, maintaining current lifestyle Move: To an area with much lower housing costs. Most other expenses are 20% cheaper there Estimated max retirement spending: $8,500/mo ($100k/yr), although will likely be lower due to new COL
Housing: $3,000/mo ($36k/yr). Rent while getting to know the new area before buying a $750k house. Put $300k down payment down to stay under the jumbo loan limit of $450k. 30yr fixed mortgage on $450k is about $3,000/mo including property taxes and insurance. No intent to pay off early. Although this may seem extravagant, a nice home for my family is a reward after years of hard work Healthcare: $2,500/mo ($30k/yr) to be safe. Open market. If annual MAGI is <$100k, would be eligible for premium tax credit with two kids All other expenses: $3,000/mo ($36k/yr), although likely lower. Travel is the biggest wildcard Withdrawal strategy: Dividends from taxable funds of $3,000/mo ($35k/yr) will take care of a chunk of my overall $8,500/mo ($100k/yr) expenses. The remainder ($5,500/mo) can be drawn down at a 1.8% rate from pools like my remaining company stock, Roth IRA contributions, and taxable funds (although this would mean fewer dividends going forward). If dividends aren't used, withdrawal rate would be 2.8%. According to EarlyRetirementNow, anything <3% is close to fail safe. Withdrawal frequency: Monthly, to keep more money invested longer Equity and bond allocation change over time: None, remaining high equities. I'm aware my house will become a larger part of my assets over time How to spend the time: Raise kids. Time with family and friends. Travel. Personal coding projects. Plenty of hobbies Future side income: Not banking on any at the moment
每个月3k all other expenses 够呛够用
不算增值的话自己住房又不能给你return，还不如付房贷然后拿多余的这笔钱去投资
你应该反思了
聪明人。老美算财富自由都不能把自住房价值计入的
Re. 我觉得已经很了不起了。
老中吗？
人生赢家
不是老中的话，勉强能算人赢
谢谢 我去研究一下
比如你买aapl, att， 有股息的股票，他们定期会派息的。
什么叫小心计划？怎么计划？
谢谢赐教，我困惑的就是比如我有apple的股票，但是从来没有感觉到过股息的存在？没有收到过券商邮件 账户上好像也看不出来？
你看你的1099表格，都有列出来的。
登陆到你的股票账户，分红时会出现几百cash在账户里。如果没有可能你default选了用dividend直接再买股票，又投进去了。
谢谢！我去翻一下
你说的美国中产也买3万的保险75万的房子吗？ 他fixed cost 很高，生活费挺少的。
可是自住房都没有，10万一大半都花在贷款买房子和买全家医保，真正能花的是3千/月。隔壁亚麻那个才比较现实吧。
谢谢！应该是选了reinvest...居然这么久都没发现😆
当然知道你说的方法， 比如在西海岸这样的卖方市场却不投资房产，还租着房，随时都可能被搬家。还要谈自由，这个这个，只能说自己高兴就好。
华人上已经讨论过一轮了- https://forums.huaren.us/showtopic.html?topicid=2436625&fid=398
我也觉得是，对大部分人来说，工作是跟社会互动的最重要途径，财务自由了可以不用为paycheck工作了，但是除了自己能创业的，大部分还是找点事情干才充实吧，不然在家种花种菜有啥成就感？
娃小的时候退休不好，我也想等孩子快上大学了退休，学费还能优惠些，现在孩子才3、4岁，还得干个十几年
mkk
你的时间就怕不值钱
Re 40M还凑合
你的意思是他fire之前生活费也是3千？ 有保险有房子就算fatfire了啊？ 这个为了fire牺牲真的挺大的。
苹果股息好像很少吧？一般都是XOM这种股票分红多。
问题是还有俩孩子，才40岁小孩没成年吧，去泰国养孩子？华人肯定干不出来这事儿，纯放养不管了？好好养娃的话4米肯定不够提前退休，娃就是碎钞机
4m就国内一线一套房啊
去泰国台湾怎么解决医疗
所以说现在国内人的资产基本秒杀美华。
我最近正好看到YouTube 一个博主。四十岁几年前上海退休去马来西亚槟城生活。两人英文很差但是马来西亚华人很多，物价超级便宜。一碗云吞面折合人民币才十元。他们那里生活了4-5年，每年回上海2-3个月真开心。物价便宜吃的也好，海鲜天堂啊……
那得是很好地段的房子吧。 一般的房子哪有这么高。 当然， 如果有好几套的话， 当我没说。
果然不负所望有这个回帖，出现的还那么早
我也想说上海一般房子根本不要4米，很多人买1米不到的房子都难
Two kids could cost 600K+ just for undergrad study unless the parents are willing to let the kids to be on the hook financially. The market could go down 50% say if a dirty bomb detonates in SF or NYC and stay down for a long period of time and 90% equity allocation will take it on the chin. yeah very unlikely but never say never (绝对够了)
孩子只要不上私立，20万就够了吧？ 他们这种情况没有收入，拿到financial aid也是可能的。 至于你说的意外，那人生中还可能有其他意外。 他们也不是没有工作的能力，只是目前选择这样生活。 意外出现了再说呗。
有人就是张口就来，然后再加上一句，国内的碾压美华
真是张口就来！ 我们这北京家的 都活了个寂寞啊
re, 不是富豪退休买4M的房子干嘛，美国也很多人退休down size嘛！上海这种租售比奇差的地方，租房够了，就算2千美金一个月，一年才需要2万美金，4米能租200年。。。退休也不需要多大，也不需要学区，2千美金能租到很舒服的啦。蔚来的李斌之前在上海租的房子才1万人民币一个月，除非你觉得你比李斌有钱很多。。。
是啊，那个层主真够能吹的。一线也不是人人住3千万房子的，住上了的也很多人是涨起来的。
国人现在跟韩国人有一拼，国内一套房，房子不同位置不同大小差别大了，以偏概全，到不说就国内一个茶杯呢