It’s Tuesday night and I am already exhausted. You probably know the reason if you’ve been following our blog. Baby RB40 turned six months old recently and he is supposed to sleep through the night, but it seems he didn’t get that memo. Anyway, I’m going to take an easy day and go through some of the search terms that have led people to Retire By 40. 🙂
quit my job and retire on 2.5 million
Yes, go for it! Assuming your expenses are less than $5,000/month, you should be able to retire and feel very secure. You can split your investment between dividend stocks, CD, and bond. This should be safe enough for you to withdraw 4% every year. At least that’s what I would do.
incentive stock options worthless
This sounds familiar, I’m sure many techies are in this boat. Most of my incentive stock options are worthless too. I would keep the ISO until I quit the job or right before they expire. The risk is very small and the potential gain is much better than stock shares. I would sell my stock participation plan shares before I dip into the ISO.
The internet has proven yet again that anything with “ass” in it will get a lot of searches. Google webmaster shows that this term makes the most impression (shows up on searches), but has very low click through rate. Here is the post featuring baby RB40 – 6 lbs 4 oz Ass Kicking Machine.
If I own AT&T 100 shares, how much I get dividend
I know this one. I just got $43 a few days ago. So annually, you’ll get 4 x $43 = $172. AT&T has great dividend yield right now at around 6%. I picked up 200 more shares during the down days and will probably buy more if the market goes south again.
retire at 40 – is it achievable
We rank very high with these search words “retire 40.” These key words bring in the most visitors who read a few pages and have a good bounce rate of about 45%. Yes, I believe it’s achievable, but you’ll have to save a large percentage of your income. I would say you need to save at least 50% of your income to retire at 40.
Good to refinance if 7 years left
There are quite a few variations of this search term. The interest rate is so low, it is tempting to refinance to the lower rate. That’s what we did with our rental home. Refinancing the rental home was a great way to improve cash flow. Be sure to look at the 10 years rate as well, they are very low.
$10 vs $20 bills storing money in cash
I vote for $20 bills. The $10 bills will weigh twice as much and it’ll slow you down when the zombies come. Everyone should get acquainted with the CDC’s guide on how to deal with a Zombie Apocalypse.
affordable island to retire to
I would like to know this, too. 😀
at 30 years old should I stop investing in my 401k in recession?
NO NO NO NO NO! Don’t stop investing during the downturn. You are very young and have a lot of time left to recover. Take advantage of the downturn to pick up some extra shares.
Being a stay at home dad while wife works
Sounds good to me. 🙂
How to find fun friends at 40?
Wow, a toughie. I have no idea. Any suggestions readers?
great financial advice broke at 40
…….. make a budget and figure out how to spend less than you make. Once you can do that, it will be much easier to start saving money.
For 2018, Joe plans to diversify his passive income by investing in US heartland real estate through RealtyShares. He has 3 rental units in Portland and he believes the local market is getting overpriced.
Joe highly recommends Personal Capital for DIY investors. He logs on to Personal Capital almost daily to check his cash flow and net worth. They have many useful tools that will help every investor analyze their portfolio and plan for retirement.