bakon

-1 Been some accusations of me cheating. .....well it's a new year.

-6

Dd. Fixed mine. Ducking spelcek.

Two cheaters at it all night.... 1

I am the original government approved meat.

I thought dd was a computer. She posted so fast and so often a normal person (she is not normal) would not be able to pee. She was a relentless cheater and a midnight poster. Never a doubt she would make the quit. Don't remember much complaining out of her oversized mouth.(She is tiny but just like Rachel Ray her chompers are enormous) Got to see her in person this year. Said she would swing by on way home from a kids day at the pool and please ignore my appearance...... Well she is Hot stuff. If I wasn't married I would have stuffed her in my pocket and kept her.... Congrats and I hope you get another horse for your reward so I have a reason to stop again.

Or pick my picture

-11 Cold and snow

-8

I made 11k in 1989 as e5. Thought to myself if I could make $8 an hour I would be ahead. Think you don't make up the 25k with investments. Most need 70-80% of working wage after first year and settling in. Also you can work a second career if only 39. Most retired military do something. So you really only need a 2.2k a month job to be in same 50k range. Also the 4% spend assumes you are dipping into principle unless you plan on saving it for someone else .

-6-3 -8

-3

9

Four times as many wins here

Never read it. Window lickers only need a word......

Way to go squealer. You earned it.

He he he. He said Peter!

1 win and they are all like .....we rule.... But in reality......

Been reading a few books on retirement lately. The 10x saved and 4% are common numbers BUT all of the plans will tell you these are averages and all dependant on debt/spending/investment return/age of retirement and length of life after retirement. That is a bunch of unknowns and everyone is correct/wrong. Retire at 39 and live 50 years will cost more than retiring later and live to same age. But have dept and spend more and it can cost the same. Read a good line about debt: spending is bigger problem than income. Can make a million a year and still be in debt by spending 1.1 million. Can live off less, by spending even less. My advise is to educate yourself just like we did for smoking.

Read and learn NOPE. Read more and practice NOPE. You know cold turkey works....so do it.

I am planning on Florida. I got a pension so income is set. Controlling spending is just as important and keeping busy. There is the fight.

Two. Ch eats at it again last night

-15 8 degrees here. Going down to -8 real temp. Not sure of feels like temp.....

-15. Thinking of one tomorrow if my wife don't take me out of the house....going to make her give me one....