OT: Early Retirement by Tapping IRA

[(former)FormerSanDiegan]

[quote=ice9]

You’re probably right about the 5.5% yield being difficult to achieve. Apparently a 4% withdrawal rate is “safe”. [/quote]

The 4% “safe” withdrawal rate is for typical retirees who have 25 years of living expenses ahead of them and the benefit of medicare, not someone who is 40 and has to plan for 50 years of expenses.

I think that the number of uncertainties over the next 40 years is too wide to plan to retire in your early 40’s. You would need a pretty decent nest egg to hedge against multiple outcomes over that period. Inflation could wipe you out in a decade. The most important hedge against inflation is to maintain your ability to work. You already hit on a key compnent of that (maintaining health care coverage).

I empathize with you, however.
Perhaps a better approach is to try to downsize your work hours or shift into a new phase. Turn a passion (real estate?) or hobby into a second career. Try some part time work.

I think you are too young and the financial world is too cruel to allow you to retire at 40 or even 45 on 1.5 Million …

Unless…
you could live on 35 K a year (before taxes and any early withdrawal penalties)

Here’s how it might work:
Work a few more years to get a nest egg in the 1.5 Mil range, say at age 45.

Put aside $1 Million of that to be invested for your “real” retirement at age 60-65. Hopefully that chunk would grow to at least $3 Mil over a 20-year period.

Could you make it 15 to 20 years on the income from the other 500K ?

If you made a rate of return of 3% and withdraw 30-35 K per year, you could.

Problem is, what will that 35K get you 15 years from now after inflation ?

… Maybe it’s better to get work doing something you enjoy than to check out of the work force completely.

[Coronita]

[quote=ice9]No, my job isn’t bad.

I just think I would be overall happier if I didn’t have to work. I would have more time to spend with my family, and pursue my own interests.

I’m not sure I see the point of working another 15-20 years just to end up with more possessions and money than I need.

You’re probably right about the 5.5% yield being difficult to achieve. Apparently a 4% withdrawal rate is “safe”. However, I could sleep just fine at night with all the IRA in MO.

Also, my point is I do have enough saved, assuming I can tap income from the IRA.[/quote]

Bad reason to retire. You should work until you can’t so that you won’t have to worry about it when you can’t. If you don’t believe me, read my thread about OT: Health related poll…..

Second, your house isn’t paid off. You are underestimating the affects of the unknown future… If you don’t work, for instance, and you go through a health crisis, it could easily wipe you out in a just few years.

If you hate software, than change your career. But still work.

[Coronita]

[quote=ice9]No, my job isn’t bad.

I just think I would be overall happier if I didn’t have to work. I would have more time to spend with my family, and pursue my own interests.

I’m not sure I see the point of working another 15-20 years just to end up with more possessions and money than I need.

You’re probably right about the 5.5% yield being difficult to achieve. Apparently a 4% withdrawal rate is “safe”. However, I could sleep just fine at night with all the IRA in MO.

Also, my point is I do have enough saved, assuming I can tap income from the IRA.[/quote]

Bad reason to retire. You should work until you can’t so that you won’t have to worry about it when you can’t. If you don’t believe me, read my thread about OT: Health related poll…..

Second, your house isn’t paid off. You are underestimating the affects of the unknown future… If you don’t work, for instance, and you go through a health crisis, it could easily wipe you out in a just few years.

If you hate software, than change your career. But still work.

[Coronita]

[quote=ice9]No, my job isn’t bad.

I just think I would be overall happier if I didn’t have to work. I would have more time to spend with my family, and pursue my own interests.

I’m not sure I see the point of working another 15-20 years just to end up with more possessions and money than I need.

You’re probably right about the 5.5% yield being difficult to achieve. Apparently a 4% withdrawal rate is “safe”. However, I could sleep just fine at night with all the IRA in MO.

Also, my point is I do have enough saved, assuming I can tap income from the IRA.[/quote]

Bad reason to retire. You should work until you can’t so that you won’t have to worry about it when you can’t. If you don’t believe me, read my thread about OT: Health related poll…..

Second, your house isn’t paid off. You are underestimating the affects of the unknown future… If you don’t work, for instance, and you go through a health crisis, it could easily wipe you out in a just few years.

If you hate software, than change your career. But still work.

[Coronita]

[quote=ice9]No, my job isn’t bad.

I just think I would be overall happier if I didn’t have to work. I would have more time to spend with my family, and pursue my own interests.

I’m not sure I see the point of working another 15-20 years just to end up with more possessions and money than I need.

You’re probably right about the 5.5% yield being difficult to achieve. Apparently a 4% withdrawal rate is “safe”. However, I could sleep just fine at night with all the IRA in MO.

Also, my point is I do have enough saved, assuming I can tap income from the IRA.[/quote]

Bad reason to retire. You should work until you can’t so that you won’t have to worry about it when you can’t. If you don’t believe me, read my thread about OT: Health related poll…..

Second, your house isn’t paid off. You are underestimating the affects of the unknown future… If you don’t work, for instance, and you go through a health crisis, it could easily wipe you out in a just few years.

If you hate software, than change your career. But still work.

[Coronita]

[quote=ice9]No, my job isn’t bad.

I just think I would be overall happier if I didn’t have to work. I would have more time to spend with my family, and pursue my own interests.

I’m not sure I see the point of working another 15-20 years just to end up with more possessions and money than I need.

You’re probably right about the 5.5% yield being difficult to achieve. Apparently a 4% withdrawal rate is “safe”. However, I could sleep just fine at night with all the IRA in MO.

Also, my point is I do have enough saved, assuming I can tap income from the IRA.[/quote]

Bad reason to retire. You should work until you can’t so that you won’t have to worry about it when you can’t. If you don’t believe me, read my thread about OT: Health related poll…..

Second, your house isn’t paid off. You are underestimating the affects of the unknown future… If you don’t work, for instance, and you go through a health crisis, it could easily wipe you out in a just few years.

If you hate software, than change your career. But still work.

[joec]

I don’t think you have enough to retire. Healthcare alone is a huge concern in the US and I’ve had a few relatives leave for other countries because of it.

In the end, it really depends on your lifestyle and spending, but 25 years before medicare and another 45 years in life expectancy with college and kids and a mil is very little IMO.

Also, I think for folks who are employed by someone else vs. being self employed or own property and businesses, if you need to get hired again after you’ve been out of work for a while, it could be extremely hard to get a job so it’s very high risk.

After folks are self employed and are successful running a business, I don’t think they really want to be hired by anyone else anymore so they might not care in that regard.

Similar to one thread which talked about leaving work for a while, I did that, but it’s risky, but probably a safer bet for you if you wanted to give it a trial run. You could also work on business/hobbies leading to business and see if you can transition from your day job to a part-time/then full time thing. Most folks want something to do either way.

If you have a spouse and kids and a mortgage, it becomes even more difficult since you have different wants/needs pulling you. I most likely wouldn’t have even taken a break if I was married or had kids or a mortgage back then.

A lot of the other comments here are helpful.

[joec]

I don’t think you have enough to retire. Healthcare alone is a huge concern in the US and I’ve had a few relatives leave for other countries because of it.

In the end, it really depends on your lifestyle and spending, but 25 years before medicare and another 45 years in life expectancy with college and kids and a mil is very little IMO.

Also, I think for folks who are employed by someone else vs. being self employed or own property and businesses, if you need to get hired again after you’ve been out of work for a while, it could be extremely hard to get a job so it’s very high risk.

After folks are self employed and are successful running a business, I don’t think they really want to be hired by anyone else anymore so they might not care in that regard.

Similar to one thread which talked about leaving work for a while, I did that, but it’s risky, but probably a safer bet for you if you wanted to give it a trial run. You could also work on business/hobbies leading to business and see if you can transition from your day job to a part-time/then full time thing. Most folks want something to do either way.

If you have a spouse and kids and a mortgage, it becomes even more difficult since you have different wants/needs pulling you. I most likely wouldn’t have even taken a break if I was married or had kids or a mortgage back then.

A lot of the other comments here are helpful.

[joec]

I don’t think you have enough to retire. Healthcare alone is a huge concern in the US and I’ve had a few relatives leave for other countries because of it.

In the end, it really depends on your lifestyle and spending, but 25 years before medicare and another 45 years in life expectancy with college and kids and a mil is very little IMO.

Also, I think for folks who are employed by someone else vs. being self employed or own property and businesses, if you need to get hired again after you’ve been out of work for a while, it could be extremely hard to get a job so it’s very high risk.

After folks are self employed and are successful running a business, I don’t think they really want to be hired by anyone else anymore so they might not care in that regard.

Similar to one thread which talked about leaving work for a while, I did that, but it’s risky, but probably a safer bet for you if you wanted to give it a trial run. You could also work on business/hobbies leading to business and see if you can transition from your day job to a part-time/then full time thing. Most folks want something to do either way.

If you have a spouse and kids and a mortgage, it becomes even more difficult since you have different wants/needs pulling you. I most likely wouldn’t have even taken a break if I was married or had kids or a mortgage back then.

A lot of the other comments here are helpful.

[joec]

I don’t think you have enough to retire. Healthcare alone is a huge concern in the US and I’ve had a few relatives leave for other countries because of it.

In the end, it really depends on your lifestyle and spending, but 25 years before medicare and another 45 years in life expectancy with college and kids and a mil is very little IMO.

Also, I think for folks who are employed by someone else vs. being self employed or own property and businesses, if you need to get hired again after you’ve been out of work for a while, it could be extremely hard to get a job so it’s very high risk.

After folks are self employed and are successful running a business, I don’t think they really want to be hired by anyone else anymore so they might not care in that regard.

Similar to one thread which talked about leaving work for a while, I did that, but it’s risky, but probably a safer bet for you if you wanted to give it a trial run. You could also work on business/hobbies leading to business and see if you can transition from your day job to a part-time/then full time thing. Most folks want something to do either way.

If you have a spouse and kids and a mortgage, it becomes even more difficult since you have different wants/needs pulling you. I most likely wouldn’t have even taken a break if I was married or had kids or a mortgage back then.

A lot of the other comments here are helpful.

[joec]

I don’t think you have enough to retire. Healthcare alone is a huge concern in the US and I’ve had a few relatives leave for other countries because of it.

In the end, it really depends on your lifestyle and spending, but 25 years before medicare and another 45 years in life expectancy with college and kids and a mil is very little IMO.

Also, I think for folks who are employed by someone else vs. being self employed or own property and businesses, if you need to get hired again after you’ve been out of work for a while, it could be extremely hard to get a job so it’s very high risk.

After folks are self employed and are successful running a business, I don’t think they really want to be hired by anyone else anymore so they might not care in that regard.

Similar to one thread which talked about leaving work for a while, I did that, but it’s risky, but probably a safer bet for you if you wanted to give it a trial run. You could also work on business/hobbies leading to business and see if you can transition from your day job to a part-time/then full time thing. Most folks want something to do either way.

If you have a spouse and kids and a mortgage, it becomes even more difficult since you have different wants/needs pulling you. I most likely wouldn’t have even taken a break if I was married or had kids or a mortgage back then.

A lot of the other comments here are helpful.

[earlyretirement]

[quote=ice9]I appreciate the comments/feedback earlyretirement.

It’s very useful to hear the thoughts from someone who has spent a lot of time thinking about this, and even done it.

Maybe it’s splitting hairs, but I don’t think of myself as having debt. I have a mortgage, yes, but there is 100K equity in the house. No student loans, credit card debt, etc.

Given the tax deduction on mortgage interest, I feel more comfortable having money earning dividends (that are taxed at 10% currently) than sitting in home equity.[/quote]

No problem. You are totally welcome. I totally understand your thoughts and worries and fears and dreams, etc. I went through the SAME things as you last year planning my “early retirement”.

I’m not saying to abandon your dream but I still think you should work several years, pay off your house and not have that worry. I understand you don’t think of it as “debt” but it is debt. You don’t own it. The bank does. Don’t get too into that whole “mortgage tax deduction is great thingy”. Also, I know people that say they will make more money investing it instead of paying off the house and they’ve lost it all. You just have to be realistic and careful there.

I don’t think of having $100k equity in a house as too much to write home about these days. I’m not sure how expensive it is or how much you have left but from what I’ve seen in San Diego…nice homes here are fairly expensive there so you still have a lot more to pay off.

Also, it’s still relative having a house paid off if the ongoing monthly expenses are high. Case in point, my house is totally paid off and it was fairly expensive but I have $16,000 in annual property taxes and Mello Roos as well as $450 a month in HOA fees not to mention we joined a country club that has $250/month in monthly expenses so even having a paid off house our bills are higher than many.

Definitely I think it’s a good goal to work towards as long as you always stay realistic and don’t fool yourself or talk yourself into something that you’re really not ready for.

It sounds like with your work at least you could do freelance work if you wanted to and earn money from time to time.

Also, you have to factor in the whole segment of the population (even friends/family) that will absolutely HATE you for being able to retire early. You’d think people would feel happy for you but in reality that doesn’t really seem to be the case in the majority of the cases.

I guess to be fair I’m not really retired as I still work about 5 or 6 hours a day but it feels retired compared to the 14 to 16 +hour days I worked before I “retired”. I worked INSANE hours before and much of it was stressful in the financial/investment realm.

I don’t really care what people think though. I give my kids a bath every morning, give them a bath every night. My daughter recently started pre-school last week and I pick her up every afternoon in the middle of the day at 1 PM. You should see the looks I get from all the other housewives picking up their kids. A few of them have asked what I do as I’m one of the only dads picking up their kids everyday and I’m doing it in shorts and casual clothes. (I think the other guy is an unemployed guy that lost his job and looking).

It’s a great feeling of being able to do what you want with your kids when you want, going to the pool, taking them to the beach, to the Zoo, etc during the week in the middle of the day. It’s great!

I do NOT dare tell people I’m retired but when they hear we’ve been traveling around for months on end around the world to exotic places…..the reaction I usually get is “did you win the lottery or something”??

There are wonderful things about “early retirement” once you get to that point. So don’t give up on the idea and try to ignore the haters….. I’d just advise to be realistic and factor in the great unknowns like inflation and future health care costs. Contrary to popular belief…..being a millionaire these days is NOTHING to write home about.

Fortunately I never HAVE to go back to work full time if I didn’t want to. I make enough in passive income to cover my monthly nut. But I definitely think after another year or so I will. Even to me it seems a bit ridiculous to be “retired” still in my 30’s….

And also to be honest I still have worries/fears almost each and every day and wonder if I truly have enough to retire. You can plan and think you know if it’s enough but in the end it’s still just a guess.

Best of luck with your goals and plans.

[earlyretirement]

[quote=ice9]I appreciate the comments/feedback earlyretirement.

It’s very useful to hear the thoughts from someone who has spent a lot of time thinking about this, and even done it.

Maybe it’s splitting hairs, but I don’t think of myself as having debt. I have a mortgage, yes, but there is 100K equity in the house. No student loans, credit card debt, etc.

Given the tax deduction on mortgage interest, I feel more comfortable having money earning dividends (that are taxed at 10% currently) than sitting in home equity.[/quote]

No problem. You are totally welcome. I totally understand your thoughts and worries and fears and dreams, etc. I went through the SAME things as you last year planning my “early retirement”.

I’m not saying to abandon your dream but I still think you should work several years, pay off your house and not have that worry. I understand you don’t think of it as “debt” but it is debt. You don’t own it. The bank does. Don’t get too into that whole “mortgage tax deduction is great thingy”. Also, I know people that say they will make more money investing it instead of paying off the house and they’ve lost it all. You just have to be realistic and careful there.

I don’t think of having $100k equity in a house as too much to write home about these days. I’m not sure how expensive it is or how much you have left but from what I’ve seen in San Diego…nice homes here are fairly expensive there so you still have a lot more to pay off.

Also, it’s still relative having a house paid off if the ongoing monthly expenses are high. Case in point, my house is totally paid off and it was fairly expensive but I have $16,000 in annual property taxes and Mello Roos as well as $450 a month in HOA fees not to mention we joined a country club that has $250/month in monthly expenses so even having a paid off house our bills are higher than many.

Definitely I think it’s a good goal to work towards as long as you always stay realistic and don’t fool yourself or talk yourself into something that you’re really not ready for.

It sounds like with your work at least you could do freelance work if you wanted to and earn money from time to time.

Also, you have to factor in the whole segment of the population (even friends/family) that will absolutely HATE you for being able to retire early. You’d think people would feel happy for you but in reality that doesn’t really seem to be the case in the majority of the cases.

I guess to be fair I’m not really retired as I still work about 5 or 6 hours a day but it feels retired compared to the 14 to 16 +hour days I worked before I “retired”. I worked INSANE hours before and much of it was stressful in the financial/investment realm.

I don’t really care what people think though. I give my kids a bath every morning, give them a bath every night. My daughter recently started pre-school last week and I pick her up every afternoon in the middle of the day at 1 PM. You should see the looks I get from all the other housewives picking up their kids. A few of them have asked what I do as I’m one of the only dads picking up their kids everyday and I’m doing it in shorts and casual clothes. (I think the other guy is an unemployed guy that lost his job and looking).

It’s a great feeling of being able to do what you want with your kids when you want, going to the pool, taking them to the beach, to the Zoo, etc during the week in the middle of the day. It’s great!

I do NOT dare tell people I’m retired but when they hear we’ve been traveling around for months on end around the world to exotic places…..the reaction I usually get is “did you win the lottery or something”??

There are wonderful things about “early retirement” once you get to that point. So don’t give up on the idea and try to ignore the haters….. I’d just advise to be realistic and factor in the great unknowns like inflation and future health care costs. Contrary to popular belief…..being a millionaire these days is NOTHING to write home about.

Fortunately I never HAVE to go back to work full time if I didn’t want to. I make enough in passive income to cover my monthly nut. But I definitely think after another year or so I will. Even to me it seems a bit ridiculous to be “retired” still in my 30’s….

And also to be honest I still have worries/fears almost each and every day and wonder if I truly have enough to retire. You can plan and think you know if it’s enough but in the end it’s still just a guess.

Best of luck with your goals and plans.

[earlyretirement]

[quote=ice9]I appreciate the comments/feedback earlyretirement.

It’s very useful to hear the thoughts from someone who has spent a lot of time thinking about this, and even done it.

Maybe it’s splitting hairs, but I don’t think of myself as having debt. I have a mortgage, yes, but there is 100K equity in the house. No student loans, credit card debt, etc.

Given the tax deduction on mortgage interest, I feel more comfortable having money earning dividends (that are taxed at 10% currently) than sitting in home equity.[/quote]

No problem. You are totally welcome. I totally understand your thoughts and worries and fears and dreams, etc. I went through the SAME things as you last year planning my “early retirement”.

I’m not saying to abandon your dream but I still think you should work several years, pay off your house and not have that worry. I understand you don’t think of it as “debt” but it is debt. You don’t own it. The bank does. Don’t get too into that whole “mortgage tax deduction is great thingy”. Also, I know people that say they will make more money investing it instead of paying off the house and they’ve lost it all. You just have to be realistic and careful there.

I don’t think of having $100k equity in a house as too much to write home about these days. I’m not sure how expensive it is or how much you have left but from what I’ve seen in San Diego…nice homes here are fairly expensive there so you still have a lot more to pay off.

Also, it’s still relative having a house paid off if the ongoing monthly expenses are high. Case in point, my house is totally paid off and it was fairly expensive but I have $16,000 in annual property taxes and Mello Roos as well as $450 a month in HOA fees not to mention we joined a country club that has $250/month in monthly expenses so even having a paid off house our bills are higher than many.

Definitely I think it’s a good goal to work towards as long as you always stay realistic and don’t fool yourself or talk yourself into something that you’re really not ready for.

It sounds like with your work at least you could do freelance work if you wanted to and earn money from time to time.

Also, you have to factor in the whole segment of the population (even friends/family) that will absolutely HATE you for being able to retire early. You’d think people would feel happy for you but in reality that doesn’t really seem to be the case in the majority of the cases.

I guess to be fair I’m not really retired as I still work about 5 or 6 hours a day but it feels retired compared to the 14 to 16 +hour days I worked before I “retired”. I worked INSANE hours before and much of it was stressful in the financial/investment realm.

I don’t really care what people think though. I give my kids a bath every morning, give them a bath every night. My daughter recently started pre-school last week and I pick her up every afternoon in the middle of the day at 1 PM. You should see the looks I get from all the other housewives picking up their kids. A few of them have asked what I do as I’m one of the only dads picking up their kids everyday and I’m doing it in shorts and casual clothes. (I think the other guy is an unemployed guy that lost his job and looking).

It’s a great feeling of being able to do what you want with your kids when you want, going to the pool, taking them to the beach, to the Zoo, etc during the week in the middle of the day. It’s great!

I do NOT dare tell people I’m retired but when they hear we’ve been traveling around for months on end around the world to exotic places…..the reaction I usually get is “did you win the lottery or something”??

There are wonderful things about “early retirement” once you get to that point. So don’t give up on the idea and try to ignore the haters….. I’d just advise to be realistic and factor in the great unknowns like inflation and future health care costs. Contrary to popular belief…..being a millionaire these days is NOTHING to write home about.

Fortunately I never HAVE to go back to work full time if I didn’t want to. I make enough in passive income to cover my monthly nut. But I definitely think after another year or so I will. Even to me it seems a bit ridiculous to be “retired” still in my 30’s….

And also to be honest I still have worries/fears almost each and every day and wonder if I truly have enough to retire. You can plan and think you know if it’s enough but in the end it’s still just a guess.

Best of luck with your goals and plans.

[earlyretirement]

[quote=ice9]I appreciate the comments/feedback earlyretirement.

It’s very useful to hear the thoughts from someone who has spent a lot of time thinking about this, and even done it.

Maybe it’s splitting hairs, but I don’t think of myself as having debt. I have a mortgage, yes, but there is 100K equity in the house. No student loans, credit card debt, etc.

Given the tax deduction on mortgage interest, I feel more comfortable having money earning dividends (that are taxed at 10% currently) than sitting in home equity.[/quote]

No problem. You are totally welcome. I totally understand your thoughts and worries and fears and dreams, etc. I went through the SAME things as you last year planning my “early retirement”.

I’m not saying to abandon your dream but I still think you should work several years, pay off your house and not have that worry. I understand you don’t think of it as “debt” but it is debt. You don’t own it. The bank does. Don’t get too into that whole “mortgage tax deduction is great thingy”. Also, I know people that say they will make more money investing it instead of paying off the house and they’ve lost it all. You just have to be realistic and careful there.

I don’t think of having $100k equity in a house as too much to write home about these days. I’m not sure how expensive it is or how much you have left but from what I’ve seen in San Diego…nice homes here are fairly expensive there so you still have a lot more to pay off.

Also, it’s still relative having a house paid off if the ongoing monthly expenses are high. Case in point, my house is totally paid off and it was fairly expensive but I have $16,000 in annual property taxes and Mello Roos as well as $450 a month in HOA fees not to mention we joined a country club that has $250/month in monthly expenses so even having a paid off house our bills are higher than many.

Definitely I think it’s a good goal to work towards as long as you always stay realistic and don’t fool yourself or talk yourself into something that you’re really not ready for.

It sounds like with your work at least you could do freelance work if you wanted to and earn money from time to time.

Also, you have to factor in the whole segment of the population (even friends/family) that will absolutely HATE you for being able to retire early. You’d think people would feel happy for you but in reality that doesn’t really seem to be the case in the majority of the cases.

I guess to be fair I’m not really retired as I still work about 5 or 6 hours a day but it feels retired compared to the 14 to 16 +hour days I worked before I “retired”. I worked INSANE hours before and much of it was stressful in the financial/investment realm.

I don’t really care what people think though. I give my kids a bath every morning, give them a bath every night. My daughter recently started pre-school last week and I pick her up every afternoon in the middle of the day at 1 PM. You should see the looks I get from all the other housewives picking up their kids. A few of them have asked what I do as I’m one of the only dads picking up their kids everyday and I’m doing it in shorts and casual clothes. (I think the other guy is an unemployed guy that lost his job and looking).

It’s a great feeling of being able to do what you want with your kids when you want, going to the pool, taking them to the beach, to the Zoo, etc during the week in the middle of the day. It’s great!

I do NOT dare tell people I’m retired but when they hear we’ve been traveling around for months on end around the world to exotic places…..the reaction I usually get is “did you win the lottery or something”??

There are wonderful things about “early retirement” once you get to that point. So don’t give up on the idea and try to ignore the haters….. I’d just advise to be realistic and factor in the great unknowns like inflation and future health care costs. Contrary to popular belief…..being a millionaire these days is NOTHING to write home about.

Fortunately I never HAVE to go back to work full time if I didn’t want to. I make enough in passive income to cover my monthly nut. But I definitely think after another year or so I will. Even to me it seems a bit ridiculous to be “retired” still in my 30’s….

And also to be honest I still have worries/fears almost each and every day and wonder if I truly have enough to retire. You can plan and think you know if it’s enough but in the end it’s still just a guess.

Best of luck with your goals and plans.

[Author]

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