Board:   [WWIVnet] General Chat
Subject: Re: Die with Zero
From:    Weatherman #1 @1 (Mark)
To:      Diamond Dave #1 @131
Date:    Mon Jun 01, 2026 08:37

DD> choose to. After that, it's all an option that I stick around where I'm
DD> working. (It's not fun anymore... just doing it to collect a paycheck at
DD> this point.)
DD>
DD> For those who are within 5 years of retirement - what are your plans?

Agree, I'm in the same boat and greatly looking forward to retirement.  My plan
is to retire (at the latest) in 2 1/2 years when I turn 60.

Everyone has different ideas on how to structure living in retirement, but for
me, certain things have to and will be in place.

1)  Zero debt.  No car loans, no house payment, no loans period.

2)  Being able to live in dividends only - never touching the principle except
in rare occations maybe in the growth side of the investments.  For example
80/20 income/growth.  Live on the 80% dividend income and trim here and there
on the growth side for more income and or extra cash.

Once I turn 62, I'll take social security right away and use that to invest
more (probably in HSA) or help pay for medical insurance costs.

I have certain targets I'm shooting for and if I happen to hit them sooner,
I'll retire even sooner.

- Mark

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