[sdduuuude]

[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]

I can’t say if you have enough or not. Here is an idea, though.

What if you pulled out more than just interest from your non_IRA investments until you can take IRA money without penalty ? Take interest plus some captial from your non-IRA investment to give you the income you need.

Obviously, this will deplete the capital, but I’m suggesting you manage it such that after you are allowed to tap into the IRA, you would then take IRA money plus interest on the remaining non-IRA capital.

It all sounds risky to me, but if you can get it to pencil out, it would be a way to avoid the 10% hit.

[sdduuuude]

[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]

I can’t say if you have enough or not. Here is an idea, though.

What if you pulled out more than just interest from your non_IRA investments until you can take IRA money without penalty ? Take interest plus some captial from your non-IRA investment to give you the income you need.

Obviously, this will deplete the capital, but I’m suggesting you manage it such that after you are allowed to tap into the IRA, you would then take IRA money plus interest on the remaining non-IRA capital.

It all sounds risky to me, but if you can get it to pencil out, it would be a way to avoid the 10% hit.

[sdduuuude]

[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]

I can’t say if you have enough or not. Here is an idea, though.

What if you pulled out more than just interest from your non_IRA investments until you can take IRA money without penalty ? Take interest plus some captial from your non-IRA investment to give you the income you need.

Obviously, this will deplete the capital, but I’m suggesting you manage it such that after you are allowed to tap into the IRA, you would then take IRA money plus interest on the remaining non-IRA capital.

It all sounds risky to me, but if you can get it to pencil out, it would be a way to avoid the 10% hit.

[sdduuuude]

[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]

I can’t say if you have enough or not. Here is an idea, though.

What if you pulled out more than just interest from your non_IRA investments until you can take IRA money without penalty ? Take interest plus some captial from your non-IRA investment to give you the income you need.

Obviously, this will deplete the capital, but I’m suggesting you manage it such that after you are allowed to tap into the IRA, you would then take IRA money plus interest on the remaining non-IRA capital.

It all sounds risky to me, but if you can get it to pencil out, it would be a way to avoid the 10% hit.

[sdduuuude]

I looked at a trip to England for the Olympics next Summer. CHA-CHING ! Was infeasible for our family of four.

[sdduuuude]

I looked at a trip to England for the Olympics next Summer. CHA-CHING ! Was infeasible for our family of four.

[sdduuuude]

I looked at a trip to England for the Olympics next Summer. CHA-CHING ! Was infeasible for our family of four.

[sdduuuude]

I looked at a trip to England for the Olympics next Summer. CHA-CHING ! Was infeasible for our family of four.

[sdduuuude]

I looked at a trip to England for the Olympics next Summer. CHA-CHING ! Was infeasible for our family of four.

[sdduuuude]

I can’t say I have an issue with them at all, as long as they are cost-effective.

Thing is – if roads were private, there would probably be mechanisms more sophisticated than this to ding people who make the roads unsafe.

In other words “free market” is not the same as “lawless” or “unregulated” as most people believe.

[sdduuuude]

I can’t say I have an issue with them at all, as long as they are cost-effective.

Thing is – if roads were private, there would probably be mechanisms more sophisticated than this to ding people who make the roads unsafe.

In other words “free market” is not the same as “lawless” or “unregulated” as most people believe.

[sdduuuude]

I can’t say I have an issue with them at all, as long as they are cost-effective.

Thing is – if roads were private, there would probably be mechanisms more sophisticated than this to ding people who make the roads unsafe.

In other words “free market” is not the same as “lawless” or “unregulated” as most people believe.

[sdduuuude]

I can’t say I have an issue with them at all, as long as they are cost-effective.

Thing is – if roads were private, there would probably be mechanisms more sophisticated than this to ding people who make the roads unsafe.

In other words “free market” is not the same as “lawless” or “unregulated” as most people believe.

[sdduuuude]

I can’t say I have an issue with them at all, as long as they are cost-effective.

Thing is – if roads were private, there would probably be mechanisms more sophisticated than this to ding people who make the roads unsafe.

In other words “free market” is not the same as “lawless” or “unregulated” as most people believe.

[sdduuuude]

I tell people that my path through college was the right one – go to a big, cheap state school with a half-decent program in your area of interest. If you go to grad school, pay the big bucks and go to a top school. This way only 1/3 of your education is expensive and you still get the big-name school on the resume, and you get the better education when you are more mature and actually interested in learning something.

It didn’t come to my mind right away, but I think SLO is a decent choice. Many large state schools have good engineering programs, though.

There is nothing wrong with general engineering degrees, either. Make sure they can handle at least pre-calculus in high-school. Math should be easy for them. If not, it’s off to business school.

And please, for god’s sake, make your little engineers take economics.

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