BOCVIP3h ago
Did you set your FIRE number by math, or by lifestyle? https://www.bocvip.com/1044620/did-you-set-your-fire-number-by-math-or-by-lifestyle/ #EarlyRetirement #FinancialIndependence #FinanciallyIndependent #RetireEarly #RetiringEarly
Did you set your FIRE number by math, or by lifestyle? - BOCVIP

I set mine by math — classic formulas and withdrawal rates. But I’m curious how others did it. Did you calculate it, or picture the lifestyle first and work

BOCVIP
BOCVIP5h ago
What to do after maxing tax advantaged space https://www.bocvip.com/1044555/what-to-do-after-maxing-tax-advantaged-space/ #EarlyRetirement #FinancialIndependence #FinanciallyIndependent #RetireEarly #RetiringEarly
What to do after maxing tax advantaged space - BOCVIP

Me (30M) and wife (29F) are maxing all of our tax advantaged space and are trying to figure out how we should be allocating the remainder of our savings. We

BOCVIP
BOCVIP6h ago
Progress report, 10+8 year work experience https://www.bocvip.com/1044486/progress-report-108-year-work-experience/ #EarlyRetirement #FinancialIndependence #FinanciallyIndependent #RetireEarly #RetiringEarly
Progress report, 10+8 year work experience - BOCVIP

10/8 year progress report

BOCVIP
BOCVIP7h ago
Starting to reallocate towards bonds. Does the sequence of returns risk outweigh realizing capital gains taxes now in taxable accounts? https://www.bocvip.com/1044426/starting-to-reallocate-towards-bonds-does-the-sequence-of-returns-risk-outweigh-realizing-capital-gains-taxes-now-in-taxable-accounts/ #EarlyRetirement #FinancialIndependence #FinanciallyIndependent #RetireEarly #RetiringEarly
Starting to reallocate towards bonds. Does the sequence of returns risk outweigh realizing capital gains taxes now in taxable accounts? - BOCVIP

So I'd like to start building a bond tent in anticipation of RE 5 to 6 years. I'll be 50 at that point, so I won't be able to access the

BOCVIP
BOCVIP9h ago
Am I the only one who is baffled by these types of posts: https://www.bocvip.com/1044358/am-i-the-only-one-who-is-baffled-by-these-types-of-posts/ #EarlyRetirement #FinancialIndependence #FinanciallyIndependent #RetireEarly #RetiringEarly
Am I the only one who is baffled by these types of posts: - BOCVIP

I am a reasonably empathetic person, but one thing I just cannot begin to understand is the people who are like "Please help, I retired and have no idea

BOCVIP
BOCVIP10h ago
AMA + (6 month update) Taking a gap year / sabbatical from Big Tech https://www.bocvip.com/1044286/ama-6-month-update-taking-a-gap-year-sabbatical-from-big-tech/ #EarlyRetirement #FinancialIndependence #FinanciallyIndependent #RetireEarly #RetiringEarly
AMA + (6 month update) Taking a gap year / sabbatical from Big Tech - BOCVIP

(x-post)

BOCVIP
BOCVIP16h ago
CPA for 72t ? https://www.bocvip.com/1043932/cpa-for-72t/ #EarlyRetirement #FinancialIndependence #FinanciallyIndependent #RetireEarly #RetiringEarly
CPA for 72t ? - BOCVIP

Can you recommend a reputable CPA who can draft up the necessary paperwork to substantiate a 72t SEPP in case of IRS audit?

BOCVIP
BOCVIP19h ago
Alternatives when employer doesn’t offer MBDR? https://www.bocvip.com/1043794/alternatives-when-employer-doesnt-offer-mbdr/ #EarlyRetirement #FinancialIndependence #FinanciallyIndependent #RetireEarly #RetiringEarly
Alternatives when employer doesn’t offer MBDR? - BOCVIP

Dual high earners, FI now, but ~10 years away from retirement because we won’t feel comfortable until our kid is through college. 529 is funded for them, and

BOCVIP
BOCVIP23h ago
Daily FI discussion thread – Friday, October 03, 2025 https://www.bocvip.com/1043601/daily-fi-discussion-thread-friday-october-03-2025/ #EarlyRetirement #FinancialIndependence #FinanciallyIndependent #RetireEarly #RetiringEarly
Daily FI discussion thread - Friday, October 03, 2025 - BOCVIP

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of

BOCVIP
BOCVIP1d ago
Wealth management gets a bad rap https://www.bocvip.com/1043035/wealth-management-gets-a-bad-rap/ #EarlyRetirement #FinancialIndependence #FinanciallyIndependent #RetireEarly #RetiringEarly
Wealth management gets a bad rap - BOCVIP

I’ve made posts railing against financial advisors and wealth managers in the past. I’ve come around on the topic lately. I think they get a raw deal on here.

BOCVIP