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MorlockP's profile
ⓘ Dogs don't have thumbs
ⓘ Dogs don't have thumbs
ⓘ Dogs don't have thumbs
@MorlockP

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ⓘ Dogs don't have thumbs

@MorlockP

Two-time Prometheus award-winning hard science fiction author. https://www.amazon.com/dp/B005JPPMS6  Learn how to homestead https://www.amazon.com/dp/B093BC3K1T 

Aristillus Crater, Luna
amazon.com/dp/B005JPPMS6
Joined June 2012

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    1. ⓘ Dogs don't have thumbs‏ @MorlockP Jan 9

      ⓘ Dogs don't have thumbs Retweeted Eade

      with $1M now I could retire / stop work maybe 2-3 years earlier, and the payoff of free-hours-of-life is greater than the cost, so, yeah, probablyhttps://twitter.com/eade_bengard/status/1480028451713208323 …

      ⓘ Dogs don't have thumbs added,

      Eade @eade_bengard
      Would you give up a year of your life for $1M
      Show this thread
      6 replies 2 retweets 101 likes
      Show this thread
    2. ⓘ Dogs don't have thumbs‏ @MorlockP Jan 9

      ⓘ Dogs don't have thumbs Retweeted twicetwice

      2/ yeah, I think sohttps://twitter.com/sinecuris/status/1480209495569559552 …

      ⓘ Dogs don't have thumbs added,

      twicetwice @sinecuris
      Replying to @MorlockP
      would you instantly age one year for $1M
      1 reply 0 retweets 31 likes
      Show this thread
    3. ⓘ Dogs don't have thumbs‏ @MorlockP Jan 9

      3/ followup question someone posed: how many times would you take this deal? I think my answer is 2 +/- 1 one rule of thumb is that you can draw from a retirement savings account at about 4% of value, year after year after year, and run a very very low risk of ever running out

      1 reply 0 retweets 21 likes
      Show this thread
    4. ⓘ Dogs don't have thumbs‏ @MorlockP Jan 9

      4/ the market returns around 8% ... ON AVERAGE. So...why can't you take out 8% per year? Or even 9-10%, if your lifespan is finite? Because that's the average. Some years, it's up 15%. Other years, down 15%. So, there are models that use ~150 years of stock market returns

      1 reply 0 retweets 11 likes
      Show this thread
    5. ⓘ Dogs don't have thumbs‏ @MorlockP Jan 9

      5/ ...and test how often, if you randomly drop into a sequence of returns from the historical record, you run out of money. Turns out, given the US economy track record, 4% / yr is pretty darned safe. (and you'll prob grow your nest egg during the decades of retirement)

      1 reply 0 retweets 14 likes
      Show this thread
    6. ⓘ Dogs don't have thumbs‏ @MorlockP Jan 9

      6/ so, knowing this, you can work backwards to see how much you should have saved by the time that you retire. Each $1M you have saved = $40k/yr retirement incomes. $2M = $80k/yr $3M = $120k/yr $4M =- $160k/yr etc so, if you wanted a fairly luxurious (by middle class std)

      1 reply 0 retweets 13 likes
      Show this thread
    7. ⓘ Dogs don't have thumbs‏ @MorlockP Jan 9

      7/ retirement income of $200k/yr, you'd want $5M saved. (discount these numbers by a bit if you expect Social Security to be around) So, if I could take 2 years off my life for $2M right now, I could invest the $2M for 10 yrs at ~8% over inflation and, double it to $4M, retire

      1 reply 0 retweets 12 likes
      Show this thread
    8. ⓘ Dogs don't have thumbs‏ @MorlockP Jan 9

      8/ also, arguably w more free time (in early retirement) you could spend less time working the primary job, working the side gigs, etc etc and take long daily walks, spend more time cooking healthy food, etc...and buy back some of the time traded away

      1 reply 0 retweets 19 likes
      Show this thread
    9. ⓘ Dogs don't have thumbs‏ @MorlockP Jan 9

      ⓘ Dogs don't have thumbs Retweeted Kirsten

      9/ > there's lots of things that money can do for me, the big one is "it can buy time not working" my work is fun enough but ... I've got other things I want to do (write books, visit friends, etc.)https://twitter.com/Kirsten3531/status/1480286430970761218 …

      ⓘ Dogs don't have thumbs added,

      Kirsten @Kirsten3531
      Replying to @Kirsten3531 @mechanical_monk @MorlockP
      I mean, I get why - there's lots of things that money can do - but I'm lucky enough to be reasonably financially okay and too selfish to trade my life for more money!
      3 replies 0 retweets 25 likes
      Show this thread
    10. This Tweet is unavailable.
      ⓘ Dogs don't have thumbs‏ @MorlockP Jan 9
      Replying to @mjstallman

      ⓘ Dogs don't have thumbs Retweeted ⓘ Dogs don't have thumbs

      yeshttps://twitter.com/MorlockP/status/1480291921880924167 …

      ⓘ Dogs don't have thumbs added,

      ⓘ Dogs don't have thumbs @MorlockP
      Replying to @Kirsten3531
      yes, I understood! I was just taking my own approach to it (also, sadly, don't have kids :( )
      1:37 PM - 9 Jan 2022
      0 replies 0 retweets 1 like

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