It's time to start digging up those Squirrelled Nuts!!!!

atush · 10 January 2020 at 3:21PM

Sea_Shell wrote: »

Sounds like a plan!!!

I've just demolished a plate of chilli con carne (with minced beef!!!) washed down with a glass of red!! Lovely jubbly!!:beer:

I dont drink 2 days a week. Given we used to have wine 7 nights a week, i feel i am doing well lol.

I have given up sugar, and cut way back on all other carbs. I am allowed some Dark Chocolate (which is the only kind i eat).

Anonymous101 · 10 January 2020 at 3:48PM

I enjoy a beer / ale, the odd glass of red and a rum or whisky every now and again. Most of the time I can take it or leave it though.
I haven't had anything alcoholic so far this year despite having plenty left over from Christmas. Perhaps I will this weekend but perhaps I won't I'll see if the mood takes me. I did get to mid April before having a drink a few years ago.

Sea_Shell · 17 January 2020 at 9:23AM

It's a funny old business this "living off savings/investments", especially at a time when investments appear to be doing well.

It's hard to feel like you are truly in the "de-accumulation" phase, when the total keeps increasing over and above what you're spending, so you're still "accumulating", on paper!!

I know all this could change tomorrow, and we'll be forced to accept the realities of REAL de-accumulation, but at the moment it feels like a strange limbo.

Worse problems to have, obviously!!

When we got to £500k, we knew that a 3% w/d rate would give us £15k. A "baseline" if you like.

Our 3% is now worth nearly £17k.

JoeEngland · 18 January 2020 at 3:30PM

ggmf wrote: »

There is no proven evidence that 10K is the magic number. An article yesterday suggests that a combination of interval (fast walking) and normal walking exercise is better. Apparently normal walking exercise allows the brain to appreciate your surroundings and notice more, hence is better for your metal health, intervals are better for your cardio well-being. Who to believe?

Having just been out for a walk with DW in the sunshine somewhere with nice views I can definitely say that it's good for mental health. A walk in good surroundings when the sun is out always lifts my mood.

Sea_Shell · 18 January 2020 at 4:13PM

JoeEngland wrote: »

Having just been out for a walk with DW in the sunshine somewhere with nice views I can definitely say that it's good for mental health. A walk in good surroundings when the sun is out always lifts my mood.

Too right!!

Even a mile round trip to the shop to buy milk, in the sunshine, helps lift the winter blues.

It's so sunny, even our conservatory is warm enough to sit out in today. Lovely to feel the sun on your face.:j

bluenose1 · 18 January 2020 at 5:20PM

Although cold doing the ParkRun today, running on the beach into the sunshine with the wind behind us was lovely. I won't mention the cold wind as we ran the other way;)
The sun makes all the difference. Can totally understand the enticement of long winter holidays in the Sun or even retiring abroad.
I spend many a Winters evening pricing up holidays.

enthusiasticsaver · 18 January 2020 at 8:35PM

We managed a whole half hour sit down in our warm conservatory this afternoon in the lovely sunshine. I have to say that playing hide and seek with the grandchildren warmed us up more though.

Our investments are up too although we are not drawing on them at the moment. We are off to the sunshine ourselves in a months time having treated ourselves to a Caribbean cruise for my 60th birthday. Seems weird that our profit on investments for the last year has effectively paid for that.

DairyQueen · 20 January 2020 at 12:46AM

enthusiasticsaver wrote: »

Our investments are up too although we are not drawing on them at the moment. We are off to the sunshine ourselves in a months time having treated ourselves to a Caribbean cruise for my 60th birthday. Seems weird that our profit on investments for the last year has effectively paid for that.

I should be smiling as our returns of last year more than paid for OH's new car. Problem being that level of return smacks of a bubble that's about to burst. OH is due to retire at the end of this year and I can't shake the suspicion that our cohort will experience a poor sequence of returns.

Of course, I may just be overanalysing (as usual).

cfw1994 · 20 January 2020 at 12:57AM

DairyQueen wrote: »

I should be smiling as our returns of last year more than paid for OH's new car. Problem being that level of return smacks of a bubble that's about to burst. OH is due to retire at the end of this year and I can't shake the suspicion that our cohort will experience a poor sequence of returns.

Of course, I may just be overanalysing (as usual).

I have that same nagging feeling....but then, I’ve had that feeling for about 18 months now: if I’d moved to cash back then, I’d be a huge % down :rotfl:

Now then.....where did I put that crystal ball :huh:

michaels · 20 January 2020 at 8:45AM

DairyQueen wrote: »

I should be smiling as our returns of last year more than paid for OH's new car. Problem being that level of return smacks of a bubble that's about to burst. OH is due to retire at the end of this year and I can't shake the suspicion that our cohort will experience a poor sequence of returns.

Of course, I may just be overanalysing (as usual).

I can't be bothered to look for the stats but I suspect with a safe withdrawal rate model that historically returns exceed withdrawals 5+ years out of every decade -on average - and that is the key bit. If you run cfiresim there are many more run away growth scenarios than close to bust scenarios.

It's time to start digging up those Squirrelled Nuts!!!!

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