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· 22.11.2021

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Mortgage is a much longer time period. You could. Is it really worth the trouble?. Funny that the minimum to stop working is k. I just quit my job with k in my investment account last week. The first financial achievement for me was to get to positive financial net worth. What I mean by that is portfolio value minus any debt the most important one being the personal mortgage. I feel that, before that moment, time is actually working against you. So, the longer you stay in that position, the hardest it is to get out of this position.

You really have to move fast to get out quick. I never invested in rental properties, but I guess the thinking would be the same for a real estate investor. As you pay of the mortgage, you eventually cross a line where your financial assets plus net investment real estate surpass financial liabilities. That is where it start getting interesting. Because, in that situation, time is not working against you, but with you. I think that is an important threshold.

But that is nothing like FI. I think this is a great place to start thinking about FI. I think there are two reasons for this. No wonder why so many people prefer the security of a steady job… ;-. But there is a solution to this… Why not reach the next level of wealth that insure permanent portfolio growth and no planned depletion of assets? This is a very low spending level, but as the portfolio grows, spending can also grow with the portfolio. I would agree this is not the first goal to aim for.

It can be pretty discouraging to see a number that large. So certainly somewhat reachable within a years horizon. Why not aim for it when we are already so close? The portfolio stock or real estate is just not working hard enough for you to lay back, yet…. If so, when did you achieve this mark and how did you change your ways for a better life?

Did you change jobs or take it easier at work? I am close to it but not reached it yet. At that time, I thought it was enough. But after living through the hell of the the last few years, and having nearly doubled my portfolio during that time, I feel that it was not enough anymore. But if I had to do it again, I think this was a little bit too early. Things could have got much more wrong than they did. In that case, I would have been screwed.

This can lead to suboptimal decisions. So, the most options you have, the better. Eliminate leverage. Another way is to have very low fixed expenses and spend more on discretionary items, this way you have more flexibility cutting costs if there is something bad happening.

This is almost has low as it can get. But it never made sense to me to have cash in a savings account doing nothing while I was paying interests on my borrowings… until the pandemic happened. We never know. Better be prepared than sorry. Anyway, all of this help me sleep better at night. I am much more confortable now than I was a few month ago.

Close enough. Gotta give people starting off some realistic goals! Most things in finance is about dealing with uncertainty risk. That was an concept he developped for investing decisions. But I feel this idea can be applied almost anywhere in finance. Then you see Joe next door who made 6m by investing in crypto, and someone else flipping NFTs, etc.

I understand that for every one of them, 10 people lost all their money. Who are you comparing yourself to and why? It does not suggest comparison. I will admit to having a very unhealthy attitude about feeling financially secure. No matter how much we accumulate, I never seem to have that level of satisfaction that financial independence should bring.

I have been retired for 7 years but my wife continues to work and contributes significantly to our family income and benefits. As such, we have the ability to continue to save and invest at a fairly aggressive rate. Once we have a steady stream of proof that we are doing well without her income safety net to lean on, only then do I feel like I will be able to fully relax and bask in the glory of what she and I have accomplished together over the years we have been married.

I probably need therapy but I use my time on FS as a good substitute ;. Let me provide you a different point of you. My wife has been retired since Things were fine because we ran the numbers. But once we had kids, and once the pandemic hit, my inherent drive was to earn more, protect my family, and provide.

So if I having a wife who is providing income and health insurance, this is a huge benefit. There are actually many male personal finance bloggers who say they are retired while their wives continue to work. So maybe you should follow their lead. We are certainly wired differently for sure! She likes that I am retired and willing to pick up a lot of the slack at home so she can fully focus on her career growth.

We are very blessed financially speaking and in many other ways and perhaps I have some guilt for feeling like we received more than others we know. I try and balance these feelings by volunteering and giving back in a number of ways and just want to continue to be a good person and God-honoring through my words and deeds. Noticed your examples are retirement accounts.

I could also show my taxable accounts as well. Three of them are my sources for my bond and dividend income. Here is the taxable vs tax-advantaged portfolio ratio to shoot for by age. Another great article, especially for those starting out. Also appreciate all the predictions…keep it up!

Benchmarks help, but some perpetually have the one more year syndrome, or who feel they never have enough scarcity mindset? Accidentally retired 18 months ago and beginning to fear I am falling into the latter. XL says one thing but the anxiety about how much is enough is real.

Part of the anxiety is lower cash flow due to hit on SF multi-family rental downside and vacancies despite high real estate valuations. Anxiety about how to invest the inheritance given such high asset values at present.

Hard to imagine spending more. Afraid to have kids because of fear of cost, and now, age. Perhaps it takes time to transition. There definitely is a psychological component to wealth. Call me anxiety usually helps when you take more perspective. But only you know how you feel. So there must be some type of other issue, such as missing the camaraderie of workers, or having a purpose, or something else at keeps you worried.

Pinpoint what that is and I think he will feel less anxious going forward. Finding something worthwhile to do is huge! Appreciate the advice. Anxiety is partly acquired from dad who never felt he had enough. Literally had done no retirement planning when I quit other than a vague sense that I had enough to take time off. Hence, stealth wealth. We get inside your head and how you think…which has served you well, but also teaches others the mindset rather than the technical tips of successful investing.

I would agree that people who inherited wealth vs created wealth would have a different perspective, outlook, investment knowledge etc. We created our wealth Close to 8 figure NW , but I have no hostility toward those that inherited wealth. To be honest, I have some of the same anxiety about the future and thoughts about whether there will there be enough money to last. But I think that this kind of anxiety, as long as it is not paralyzing, is normal.

What are the specific things you are worried about? This is a great topic but I think I can turn into a post. Agree that balance is key and trying to ease into that. Are you retired? I certainly felt zero money anxiety when we were working. We were on track and doing okay enough creating wealth before the inherited wealth kicked in.

If this represents a typical American worry, i fear for countries future. Multi- million net worth but afraid to have a kid!!!! Oh the horror. Everybody has their own issues they have to deal with. And most often it is due to something suboptimal that happened in the past. Living in HCOL area Manhattan , hustling to get ahead in busy dual-income careers, meant waiting a little while before feeling comfortable.

Quite typical. I find myself with a 5 mill net worth, kids gone, no debt, and do not like what I do for a living, but love the compensation k per year. I think if I retired I would be fine financially. Just feels stupid to retire. Ah, the classic one more year syndrome! I left similar compensation in at age On up days when you have a bigger portfolio it is crazy how much it moves compared to income.

We also have built up our incomes though so at this point I am just planning on keeping the foot on the gas. We want two kids. I feel like as a parent I plan on working hard until they are both in elementary school and then reevaluating. It is expensive to have day care in HCOL area.

When they are a little older I really want the flexibility to have fun with them. Until then we will reward ourselves with vacations and improving our living space. Once I reached this figure, it afforded me the mental freedom to stop working a miserable job and instead switch to working part-time doing work that I love.

Notably, this leaves out my spouses savings and our home equity. When she reaches the point where she is inclined to stop working, or switch to part-time, then I would count her assets. I have them for my kids. Do you claim your children as dependents and then file their own taxes separately? Oh yeah? What was the federal income tax? A child who has only earned income must file a return only if the total is more than the standard deduction for the year.

I remember when I first reached , I was SO excited. It was a huge accomplishment and it really helped propel my interest in personal finance, investing, and growing my retirement accounts even further. It certainly brings a lot more confidence, satisfaction, and comfort.

Makes a lot of sense! It was a gobsmacking amount back when I was in college in the late 90s. I daydreamed what it would be like to have so much! When I started my investing journey 50k was my first big hurdle. That 50k gave me a better sense of freedom than when I crossed the 7 figure mark. Last year, my investment returns were greater than my first 20 years of contributions.

My overall feeling is blah. This is why I starting all over once you have kids is quite exhilarating. Starting from square one with so much upside feels great! Hi Sam, thanks for your articles and this website. I am just starting off on my financial independence journey. I am 34, grew up overseas in a very risk adverse family that thought me the importance of saving. But I have had zero education on investing. So for me the challenges I face are how to start and in what I need to invest and you are contributing very much to this journey!

Until I reach that 1M goal I will keep reading your newsletters and posts like the Bible. But soon! Make sure you enjoy the journey. I also have 2 empty lots on a development worth approx 40 to 50k and are expected to continue to go up as development increases. Im 38 years old and do not feel FI.

My job is realtively stable. Im not a big spender and have annual expenses of approx 80 to 85k. Should I feel FI or coast fire? Have you written an article about your experiences in the uber rides? I think I wrote about five posts about my experience. He was one of the first ones or the first one:. Inflation was 6. This is something your post glosses over. Sure, feel free to be more aggressive in your return assumptions for your portfolio.

Personally, I like to be more conservative and get surprised on the upside. I had our accountant crunch numbers using the inflation rate and our tax bracket. This is a very interesting read. I just hit the k mark this year as well as 50k in passive income from real estate per year. I am in a high pressure job that pays well k and my wife brings in about 90k a year with great benefits and pension. We do also have two kids which we have been funding their s.

Our necessary living expenses are 50k a year which the rentals cover. Feroldi: This is probably the No. And I'm sure that there are a lot of people that are investing that are not using it, especially individual investors.

The reason there is, if you click over to this, it looks, and feels like a government website. It's like you're filing a tax form. When you dig into the details of this, some of the filing names that you have to dig through, they are confusing. So we're going to break down the most important ones in as easy a way that we can. So the No. That is the annual report for the company. And it is filled with all the information that you could possibly want about a company.

Its business, its market opportunity, its competition, management discussions are in there, financial results, its balance sheet. And accompanying that is another document that is also the second document that I go to, which is the DEF 14A. DEF 14A. Another name for that is the proxy statement, but that is going to show you all the details about management compensation, and how much stock each insider owns.

So those two documents right there, the K and the DEF 14A, also called the proxy statement, are a great starting point. Lewis: They are, and while it does have the appearances of a government website, and it is, I think spartan, and maybe not as flashy as people might expect from private industry, one thing that I do think the SEC and the government does very well here is if you go to, like, sec. When you click into that, the selected filings that they highlight, two of them are right there that you just talked about, or maybe more.

The K is right there, the Q, the quarterly reports right there, the proxies there. We also have an 8-K, and we have ownership disclosures. At least those are front and center for people. While it may not be the most user-friendly site, boy, are we lucky to have it. Feroldi: We certainly are. And again, it's amazing the amount of information that you can get just by digging through the SEC documents. Some other ones that our listeners might be more familiar with is, when a company files to come public, one of the documents that they need to file is called an S That is essentially like the annual report, but prior to a company coming public.

It's all the information that we use to fill out our show notes on a company before they come public. When an S-1 comes public, sometimes a lot of information is missing, such as, what does the offering price? How much are they going to raise?

So because of that, some information is not filled in, such as ownership, and what post-IPO balance sheet looks like. Sometimes after a company comes public, they have to file an S-1A, and that "A" at the end means here is the missing information that we didn't have prior to the prospectus.

So that is another form that you need to be on the lookout for. Lewis: Yeah, and I think one thing that is nice is if you do not feel like using the SEC interface, you can kind of be lazy and search for any company that is newly public or that you're trying to get your hands on the S-1, for example. In the case of a business that we've talked about somewhat recently on the show a couple of months ago, Olo , say you're looking for the S Olo's S-1, drop that into Google because it's a government website, and Google tends to prioritize government resources.

It is the first result. It's unavoidable, and so that's going to take you right into the document and be able to have you scroll through there, and see everything you need, and trust me, everything you need and more is going to be in that document because there's almost no one that reads the entirety of these things, Brian.

It's just too big. Feroldi: They are huge. There are a few hundred pages along in some cases, and they are filled with legalese. Thankfully, once you've read through a couple of them, you know what parts you can skim over, and what parts you need to focus on. Lewis: Yeah, that's right. This is what we're getting straight from the company. And I think it's helpful to start there in part because you're making your own decision about anything you're seeing.

I know for me personally, Brian, I really like to have a fresh look at almost any company that I am going to be discussing. We're going to get into a lot of other places that we turn for information -- YouTube channels, Twitter handles, different sites that add great commentary in context.

But I think it's important for people to form their own opinion, especially as they're learning to invest in a company. See what you pick up on, see what you notice, and then turn to those secondary sources and say, "OK, you know, I wonder what these other people are noticing and what they're picking up when they look at this company as well. Feroldi: Yeah, I love that. When I hear about stocks from other Fools, especially ones that I respect, their opinion always sullies my opinion about the company.

If I'm like, Emily doesn't like this company, as I'm reading through it I'm like, I have a negative connotation to my mind. Yes, to your point, sometimes going into primary documents first and then talking to other investors is the way to go.

I think this is just another wonder of the Internet, where if you search any company and "investor relations," you will be taken right to the page where they make all of this available. Generally, it's going to be in a little bit of a prettier format than what you might get from SEC and EDGAR, and anything accompanying earnings in terms of presentations, conference calls, slide decks, and any shareholder letters -- that's all going to be there, and that's all great stuff for people to spend time with.

Feroldi: There's tons of information right on the company's website, so after the SEC filings, or you can even get the SEC filings right on the company's website. Companies' investor-relations pages are a treasure trove of data. I know some investors that say they don't like to look at presentations simply because they know it's management's spin on everything.

I actually really like looking for them, especially in the beginning, because it gives you a fast overview of the key information about a company. I will never rely just on a presentation to make an investment decision, but as far as getting a quick view of what the company does, what's the opportunity, what's the management team, I think presentations are an excellent tool. Lewis: I think that's right. It's a guided tour through a company to some extent, right, Brian?

Like management showing you the things that they like for you to focus on in some of those presentations, and it's always good to balance that against all the information that they have to provide on their business just so that you're not losing any important narratives. But it's good to know exactly where they're prioritizing, what their focuses are, all that kind of stuff. One other reason that I think it can be really helpful to go over to an IR page is if leadership at a company is making an appearance somewhere, generally, it'll wind up there.

So if it's outside of their regular earnings cadence, if they're making a presentation at an industry conference or something like that, very often that's going to wind up on the IR page, in part because of the Reg FD disclosure, I think. But that's a great resource that can often be overlooked, too. Feroldi: It certainly is, and one thing to note about that is depending on the companies, some of them only have one presentation uploaded at a time, and if they post the new one, they will delete an old one.

So if you're planning on tracking a company over time, that could be helpful when you view a presentation, to just right-click it and save it to your local docs so that it doesn't disappear from the internet. Lewis: Brian, so those are our primary resources. We're going to turn over to what's kind of a secondary filter for us, and so I would generally turn to all of these things as I've already had an opportunity to establish an opinion about a company and at least get some bullets down on what I think.

It's a toss-up here in terms of order and prioritization. There are a bunch of different directions you can go here, but I think we're putting a lot of the classic social media stuff into this bucket. It's Twitter and it's YouTube. Feroldi: Yeah, both of those are really fantastic resources. Yes, there's plenty of noise on those platforms, but there are also some creators on there that share information with other investors freely and are just there to help and bounce ideas off you.

So you do have to be choosy with who you follow, with what YouTube channels that you subscribe to, but I think that YouTube and Twitter are two excellent resources for investors. Lewis: They are. When I go and I'm getting news and a company had what looked like great earnings but because of market conditions sold off maybe double-digit percentages, I have a stream of people that are saying, it's OK.

And I think from a mindset perspective, that's incredibly useful, Brian. Feroldi: Having a community of people to go to when your portfolio is getting smashed is really important, so like you, I have handpicked everyone that I follow on Twitter, and almost all of them are long-term investors.

So yes, like you said, when my portfolio is getting hit really bad, nothing makes me feel better than connecting with other like-minded investors. Lewis: Yeah, and I will say, you are a great follow on Twitter, BrianFeroldi, and a steady source of good keep calm-type stuff when things are going crazy. A lot of our other Fool contributors are awesome follows, and then there's folks outside the Fool -- I think Morgan Housel is an incredible follow.

That's not going to blow anyone's mind who regularly tunes into stuff from the Fool. They know we love him. Anyone in particular that you want to give some shine to, Brian? Feroldi: Just one person that comes to mind immediately is a guy named Jamin Ball. We've had them on Fool Live before. He is a software-as-a-service investor, and he maintains this incredible database of all the publicly traded software-as-a-service companies.

He regularly sends out valuation, metrics, growth rates, ranks, about how expensive they are, price movements, etc. So he is a wonderful resource. But to your point, there are so many people on Twitter that are just like Jamin, and just like Morgan Housel. They are there to provide good, positive information. You just have to make sure you seek out and follow just those people and block with people that are, say, more focused on short-term things.

Lewis: Stay away from the double candlesticks. Just focus on the long-term buy-and-hold folks. I think when it comes to YouTube, what's nice is, in addition to a lot of folks doing or minute overviews of companies, and Brian, you do that on your channel and it's awesome. It's a great source for CEO interviews and perspectives from company leadership. I know we have Glassdoor, InHerSite, and some of the more cultural elements as part of this, and that's part of the checklist for how we look at businesses.

I will say I will look at Glassdoor ratings, and then I honestly want to hear management talk and I want to hear them explain the vision and just see what their demeanor is like. That's where I think YouTube is incredibly useful. Feroldi: Yeah. There's nothing like watching a CEO talk. When you see an interview, how do they answer questions? Are they focused on the short term? Are they focused on the long term?

Are they good at communicating? That is one of the key skills that all CEOs need to have. YouTube, like you said, is an incredible resource for finding high-quality, in-depth interviews with CEOs. To your point, just by watching them talk and seeing how they communicate, your Spidey senses can tell you if this is someone you can trust or not. Lewis: Yeah, and it's nice, like very often you'll have Bloomberg or CNBC hosting executives immediately after earnings or in the lead-up to earnings or right after a company has gone public, and you can just get a sense of what management's priorities are, what they are excited about.

If they dramatically underpriced an IPO, are they excited about that, or do they feel like they left money on the table? Getting some of those perspectives, it's not going to drive your investing thesis, but it very often can give you a much better feel for who is running the show and really where their heads are at. Feroldi: Another thing that you can use it as, if a company is overly available to the public, if they are regularly on CNBC or if they're regularly out there promoting their stock, that should tell you something that maybe [laughs] they're not focused enough on the business.

They are focused too much on promoting themselves and the stock. That can also be an indicator for you. I think related to YouTube, we have podcasts that are an incredible resource. I find that YouTube is a little bit easier for finding specifically who I want to talk to you in part, because it's owned by Google, and when it comes to search, they're pretty darn good. Some of them specifically around building businesses, some of them on market commentary.

But Brian, I'm curious, what do you regularly listen to? What's in heavy rotation for you there? Feroldi: I have over 40 podcasts related to business and investing that I regularly listen to. But some of my favorites are How I Built This. That is when an NPR host named Guy Raz interviews the founder of a company, and they have had tons of founders on there that are Fool favorites, and they will just walk through "What was it like for you in the very beginning of this company?

How do you come up with the idea? What struggles did you overcome? I am one of the dozens. Essentially, I am one of the original dozens. There's no doubt about that. I also like a lot of other podcasts. One of my favorites on personal finances is F5.

I like a podcast called Acquired, which has some more details about the inner workings of businesses. Chit-Chat Money is a smaller podcast, and this deep dive into businesses and another podcast I like is called We Study Billionaires. There are dozens of really high-quality podcasts out there that are focused on business and investing.

Lewis: Yeah, and I'll confess, I've used How I Built This as research for shows that we were doing, because I wanted the long-form understanding of the founders' story. It doesn't often get into the nuts and bolts of the company numbers or anything like that, but it does really help you understand where that company came from, and really similar to our CEO interview discussion with YouTube, what's guiding that company, what the mission is, and what motivates leadership.

This isn't so much an ongoing benefit-type thing, but if you're interested in that buildup, too, I will throw it out there: The first season of The Startup podcast is probably one of the best business shows I've ever listened to, in part because you generally don't have widespread access to those early days of founding a business, and that's precisely what that show is.

Brian, I don't know if you've listened to that? Feroldi: Not only have I listened to that; I specifically switched from using the Apple podcast app to using Spotify as my primary way to listen to podcasts because I wanted to listen to Startup again. Lewis: Yeah, it's incredible. It's from Gimlet Media, and it's basically the back story of Alex Blumberg founding Gimlet Media, and going through the funding rounds like understanding how to raise capital, and it's just a very unique perspective on the challenges that go into that space.

And so I have found while it's not really helpful for any one company in terms of better understanding like, how, say, like, Spotify works, super helpful in understanding the early challenges that entrepreneurs run into.

And so I think for that reason, it should be almost required listening for anyone that's interested in the space and wants to get a better grip on entrepreneurship. All right, Brian, we're mixing media here. We've done video, we've done social media, we've done podcasts. Let's talk about legacy online media here, because there are tons of folks that are making stuff super digestible for people.

And I'm just going to throw in a shameless plug here for Fool. Feroldi: I've been reading from Fool. They do analysis. There is also a wonderful underutilized tool on The Motley Fool called Motley Fool CAPS, which is where anyone can go and publicly pick stocks saying if they're going to beat the market or lose to the market.

That's a great place to go to see what investors are worth listening to and following those that put up the best track record. More recently, you can actually now go to Fool. Lewis: I think earnings transcripts are absolutely huge. That is something that I think was one of the later dominoes falling for people having access. There are some providers out there that are doing it for a long time, but that generally has been something that has been behind the paywall of relatively expensive financial products for a long time.

I'm thrilled that we make that available. Brian, I think related to earnings stuff, one tool that I think is relatively new, and I'm relatively floored by, is Quartr. This is also playing into the earnings call game. It's a tool that I use. I know it's a tool that you use as well.

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