Ecptxv2 retired reddit Presuming that your retirement plan is BRS with high 36. Would you consider early retirement at 45 if you already owned a car, house, got condos with consistent rental income? Investment/Financial Advice Apologies ahead if these seems like bragging, but Im 45 years old OFW, career in Singapore banking sector for the last 25 years and now contemplating on early retirement, but Im kinda risk-averse so want some insights before Wondering same thing. Retiring this year. I need to figure out the best way of handling TIAA. Next comes a sinking fund for a known upcoming expense - for example, a deposit on an apartment, a long-delayed car repair, etc. Brokerage has stocks/ETF/cash, generates dividends that can cover all of We will share our challenges, talk about our life & family, discuss the money, etc. Nevertheless, we grew up to become the world's most devoted parents; the "workhorse of America. As of this month, I'm retired 11 years, and still not retirement age. We are here to I really like the time/dinner ideas, but if you don't live close enough then I would go with a monetary gift rather than a 'thing'. I’m 25 and looking forward, I seem to be able to retire between 28-30, 30 if I want to play it safe with a 3% SWR or more money annually. I’m more interested in knowing your financial health. 5%, and 4. This subreddit is for all those interested in working for the United States federal government. See if you’re close to the number you think you’ll need. e. Do you know what is the state of this certification? - Is I’ve recently attempted and attained the eCPTXv2 certification which is aimed at experienced penetration testers whom want to specialize in the area of infrastructure security. If you ever wonder how to actually input the data into one of good retirement planners (calculators) out there, here is the video that Jim Richmond, the creator, explains what all the inputs meant and how to run the planner. This is our practice. A couple other Right now, I have my investments split into two pockets - retirement, which I don't f around with ($500K). The monthly rate you are paid depends on the retirement plan you fall under, your rank at retirement, the pay scale in effect at the time you begin drawing retirement pay, and the cumulative number of points you earned in your career. Maybe think of it more like that. Code § 8964: (a) Each retired member of the Air Force covered by subsection (b) who is retired with less than 30 years of active service is entitled, when his active service plus his service on the retired list totals 30 years, to be advanced on the retired list to the highest grade in which he served on active duty satisfactorily (or, in the case of a member of Get the Reddit app Scan this QR code to download the app now. There are a few different factors used to determine the exact amount of these monthly payments. 8, 20. When a member gives a signed retirement application to the MPF, the member cannot withdraw the application, nor can the member change the approved retirement date except for the following reasons: severe hardship not common to Air Force members; in the best interest of the Air Force; or to accept an active duty promotion that requires the member to serve past the requested or Retirement doesn’t mean you can’t pick up some side fun stuff if you want. View community ranking In the Top 10% of largest communities on Reddit. Ideas for a cash flow in 10 years: 1) Hevy investing in non retirement accounts 2) several rental properties 3) part time fun work in 10 years. So I rushed out. Set a budget and go for it. 4K votes, 36 comments. Income and spending is variable, so that would control for those factors. It doesn’t mean your life stops. Been a fan since 2013. She is afraid of being lonely. 75 million returning 4% is 70,000 dollars. This is a subreddit for news, sites, information and events that may interest veterans. If not, iterate by changing your assumptions on years to retirement, savings rate, or annual spending in retirement. Getting retirement advice from online strangers is just as bad of a strategy as counting on YouTube income. I plan to withdraw $3500 per month pre-tax. It's not easy, but it is simple: earn more, spend less, and use the difference wisely. Fortunately because of pension/social security/personal investments etc I do not need a TIAA annuity. Please note that as a topic focused subreddit we have higher posting standards than much of Reddit: 1) Please direct all advice requests and general beginner questions to the daily discussion thread. Also spent some time doing HackTheBox Academy to I usually point people who are over 50 with no retirement savings towards the FIRE community because that's essentially what they're attempting to do. My parents eventually moved to a retirement community in Florida and he started playing softball and other sports and he’s doing really great now, probably the happiest I’ve ever seen him. Family business I've been working for 40 yrs. After that you can afford to live as you want. Retirement is focused on growth, won't be touching for 10+ years. I have no idea when I'll get my first check. If you are on tricare during thst time it does count. Man that's a set of questions haha. At its core, FI/RE is about maximizing your savings rate (through less spending and/or higher income) to achieve FI and have the freedom to RE as fast as possible. No religion/politics -to keep our blood pressure down😉 **For those who retired at 59+ yrs old and people 50+ planning on retiring at 59+** If retired earlier or inspire to, visit r/financialindependence . With matpat retiring I wanted to make a list of all of the other content creators that have either retired, or passed away (this list mentions the most recent youtubers to have retired or passed away recently) if I'm forgetting someone pls leave it on the comments Matpat:creator of game, film, food and style theory his influence will always be part of YouTube and the internet as a You've had many responses, but none from actual retirees. The 55 rule is, unfortunately, not consistent across different retirement plans. Not at all. I am recently retired and have a few retirement accounts as well as a mutual fund account with them. The study also indicated that a male railroader retiring at age 62 can be expected to live another 21 years (approximately 252 months), while the previous three studies indicated life expectancies of 20. 4% is a good guide, but should not be taken as a hard and fast rule. . He's better off getting a job to help him get out off whatever mental rut he's in. 7, and 20. Needless to say there was an adjustment period before I realized I was living in a new year. I also use the Retirement planner in Empower to model retirement spend/income - even loading one time lumpy expenses like big repairs on house or car. I have been happy with it. You enroll in FEHB thst final civ year if you had bern under tricare thr ladt 5+ years you can retire with both options. For us, the social network that we had in Illinois was several orders of magnitude more established than what we had in Florida. I can only assume the new AV law affected her plans; perhaps because of the law she took a step back for a few months to do other things like YT, her 24h hug event, etc. The Flexible Retirement Planner is one of my favorites. If you stay in till 20, you'll get retirement and disability. 415K subscribers in the MiaMelano community. So, could we consider that she is also retired? Share I'm close to retirement now and have moved a chunk of my portfolio into JEPI. Routine, social, validation etc etc An emergency fund comes first - that's 3-6 months of living expenses in cash. It’s a siege. My wife and I are building a semi-off grid homestead for retirement. It's been like this for about 3 years now. She doesn’t have to spend her time and money keeping up a house/yard, and can use her retirement to travel, spend time with friends, etc. I've kind of given in to this idea as well. Payments for certain education benefits (DEA, VEAP) are paid at We would like to show you a description here but the site won’t allow us. Or check it out in the app stores TOPICS. " We will discuss finances, talk about our life & family, share our challenges. I recently decided to take the eLearnSecurity Certified Penetration Tester eXtreme (eCPTX) exam. I’m so busy in retirement now doing things I want to do that I can’t really be bothered to make more for a fancy outfit or what not. The federal medical retirement is reduced if you get money from social security disability, but not in a way where you lose anything. Tara Tainton is retired, and I can see that Xev is no longer what she used to be, with a different style of production and almost no production at all. Without getting into specifics, once he actually blew up the fan base got Financial Independence is closely related to the concept of Early Retirement/Retiring Early (RE) - quitting your job/career and pursuing other activities with your time. I’m 67, retired just shy of 3 years, coming out of an executive An active duty retirement at 20 years, based on 7,300 points, is 50% of active duty salary. Our annual costs to live will be around 20,000 dollars. Director: Tim Brown Writers: Tim Brown Cast: Nicolas Cage as Matt Ashley Greene as Ashley Ron Perlman as Bobo Posted by u/Mundane-Mechanic-547 - 124 votes and 170 comments The only way to protect myself was to already be retired before the bill passed. People who retired from the military, then retired from a government job were making serious money. These are just a few observations from someone who has been there: If you own your home free and clear, you can live quite comfortably today on roughly $50,000 per year (give or take) in the mid-west. S. SQ started retiring them as their leases were expiring, rather than renewing the leases, and due to no interest from other airlines the A380 has basically no demand as a second hand aircraft, so there have already been some units that got scrapped and sold off for parts. I recently retired from a local government job. No politics/nsfw etc - to keep our blood pressure down :-) **For those who retired at 59+ yrs old and people 50+ that are planning on retiring at 59+** See the rules, must JOIN Not me, but my retired mother does! In a midsize city in the Midwest, and loves it. 50M/50F retired for a year. One of my colleagues, well into her 70s with a fully funded retirement just won't do it. The pay isn't always the highest, but the benefits and pension can't be beat. INE is retiring the following five eLearnSecurity certifications on Oct 1, 2023. eLearnSecurity Certified Penetration Tester eXtreme. We will share our challenges, talk about our life & family, discuss the money, etc. la practice you can do is plan on retiring in January. Definitely get it looked for VA purposes if you do decide to stay in. Obviously relocating isn’t possible for everyone but filling the days with senior sports leagues and clubs has really helped him connect with other people. No he hasn't retired, just another break. 1 years, respectively. Any one know how long is the eCPTXv2 certification exam? On the internet i am seeing different duration. I will keep my business bank account open for this purpose, but will only have retirement income plus small pension and SS. The tone of your post makes you sound bitter / surprised about your retirement income. Your family members have limited options: One options is to rely on their kids to help them out; A second option is that they will have to work at least part time forever; A third is to move somewhere (possibly to a lower cost country) to live; a fourth option is to (re)marry well, or rely 'Have you looked in the Wiki for an answer? We have a lot of information posted there. comments Right sheesh I'm dumb sometimes. Retiring debt free with no mortgage is essential to my retirement plan, others may not be as Fellow NGE worker here - if you like your job (the org, the people, the role & career path), feel you're making a difference in a way that matters to you, and not suffering financially - you're on a good enough path financially age-wise. In this review I’ll go through the end-to-end process, The retired boxes are there strictly for learning, so that's exactly what I did -- didn't want to continue beating myself over not being able to figure something out if I could just learn from it. INE aka eLearnSecurity provided the eCMAP exam which assist the candidate in malware analysis with a practical eCPTXv2 / Advanced Penetration Testing (NOT listed) eCMAP / Malware Analysis Professional eCXD / Exploit Development Student eCRE / Reverse Engineering Professional eWDP / After three attempts over a five month period, I passed eCPTXv2 and got the shiny cert! What the exam asks of you, in my opinion, is brutal. She should be able to keep her same doc, just update them with the change in status. The Social Security section requests "Benefit at Full Retirement Age" and cites that the amount can be found on the SSA. When people say retirement here they mean not working for survival anymore. Makes claiming things later a little easier. 5% matching in a 401k-like retirement plan called the Thrift Savings Plan. My dad was a fuel tanker driver and retired at 55, my brother worked for the US Government and retired at 55, and I feel better prepared that either of them, primarily due to my career field and my salary over the last 15 years. A male employee retiring at age 65 can be expected to live another 18. I talk to people all day about saving for retirement, which is a fairly new idea anyway, from about 1950-on. No politics, nsfw, etc - to keep our blood pressure down :-) **For those who retired at 59+ yrs old and people 50+ that are planning on retiring at 59+** See the rules, MUST JOIN to comment/post. This is a pretty common situation and I'm always shocked that people don't talk about this more. Financial Independence is closely related to the concept of Early Retirement/Retiring Early (RE) - quitting your job/career and pursuing other activities with your time. All contributions to your TSP, whether from you or any matching from the government, is yours whether you serve 4 years or 24 years. SSA. Plug in your current retirement savings, contributions, years until retirement, estimated returns. 5 years (approximately 222 months). A person making 1m a year and spends 500k annually with 1m saved is actually in a much worse place than a person making 50k a year who spends 35k and has 200k saved. eCPTXv2 / Advanced Penetration Testing eCMAP / Malware Analysis Professional After October 1, 2023, neither these certifications nor their affiliated learning path content on eLearnSecurity will be available (including courses, labs, and quizzes). It’s just paid out from a different source and I’d have to look back, but I think having social security disability approved gets me about 25% more than just the federal medical retirement alone. FI/RE (Financial Independence / Retiring Early) is a money strategy that's sweeping the nation. I imagine being something like 50% Stock, 22% Bonds, 22% Income ETF (JEPI or similar), 6% Cash when I hit retirement, slowly transitioning back to a 90% Stocks / Generation X was born, by broadest definition, between 1961 and 1981, the greatest anti-child cycle in modern history. Hi, welcome to r/investing. My wife and I take out two SW credit cards every other year so we qualify for companion pass. So, now do the quick math and, at 20 years, with 3,200 points, that would give you a retirement pay of around 25% of active pay. No one in early 1900's America had any perception of what "retirement" is or Not retired and probably not retiring completely as long as I have any sense left in my head. Along those lines, New Retirement has a great tool for modeling retirement income, We were worried about the prospect of retiring because we didn't have a lot of RRSPs (Canada retirement savings) and we were still paying the mortgage (we'll be done in a few months - yay!) but once we crunched all the numbers, including our pensions from work, CCP and OAP, and took into account savings on things like our parking pass (almost $1000 per year), and Then use a simple compound interest calculator. It's sad but yeah I've also given up on him streaming semi often again too. You can also get the explanation video from their site as well. I'm 30 and worry about retirement too, but you need to look into retirement options, potential retirement jobs and talk to bank or investment firm, or even better - all of the above. When asking a question or stating a problem, please add as much detail as possible. Not a "FIRE" retiree per se, but I'm also a DIYer who retired seven years ago in my mid-50's and started using NR about about two years ago. I see retirement as a job, the good news is I’m now self employed so self directed, it’s only what I choose to make it. So, what do I For PC questions/assistance. And of course people have a negative view of work, you are forced to do it or you can die, how can anyone see this positively. The retirement is growth: mostly in VOO and a value index fund, some VGT for fun. So I have 3%, 3. If you have a specific Keyboard/Mouse/AnyPart that is doing something strange, include the model number i. A call to the Retirement Administration Service Center usually involves a wait time of at least 3 hours. Even better is that the plan call center often doesn't even know about the 55 rule at all and getting When Ashley and her young daughter Sarah get caught up in a criminal enterprise that puts their lives at risk, she turns to estranged father Matt, currently living the life of a retired beach bum in the Cayman Islands. A better comparison would be what % of your current annual income you have saved for retirement and your current age. And I work in the "retirement industry". USA focused but all welcome. As others have mentioned, by retirement, people usually don't want/need more stuff. And coming out of retirement because you realize you want more. I have been retired 19 years and Tricare combined with my work FSA work pretty well. But no, I haven’t retired. I had a year long maternity leave once, would have been great except for spending it with the baby. 106 days later, my retirement is still stuck at the 'UC Confirming Calculations' stage. No politics/nsfw etc - to keep our blood pressure down :-) **For those who retired at 59+ yrs old and people 50+ that are planning on retiring at 59+** See the rules, must JOIN We will share our challenges, talk about our life & family, discuss the money, etc. We will reapply in October/November to qualify for 2024-25 pass. Retired it. Query on eCPTXv2 exam time. Like any job success is a function of setting goals and achieving them. That will be close to about 4% I will adjust as needed or not needed. Her 401 is through Vanguard institutional funds that aren’t available to individual investors, they pay about 10-13 percent. Yes; I retired at 33 1. We'll likely exit retirement richer than we entered. Virtually no stress. In the hopes of clarifying and easing any concerns, we’ve In this story, I will write my reviews and thoughts about the course and the exam. Our brokerage and retirement is about 50/50 split. Only you can determine what your financial needs are going to be. We spend $32,000 per year and that includes 3 children. Internet Culture (Viral) Amazing; Animals I responded that it might be low to my friend but that it’s a lot for many people and anyway retiring comfortably at 55 is mostly a dream unless you’re making a lot of money. Like gathering around a table with older friends, we will discuss finances, share challenges, talk about travel and relationships, etc. Technically, while it's part of the retirement system, this does not require you to serve 20 years and officially retiring from the military. Some says 7 days exam lab + 7 day reporting, some says 2+2 and 4+4 days. I feel like this may be too early, either because I’d have too much time and too little experience, or because as we know there is a lot of social pressure around retiring early, lots of “you got lucky” comments and generally jealousy. We will discuss finances, talk about our life & family, share our challenges. This includes beginner questions and portfolio help. But SSA. If your monthly deposits are lower than you expected, that’s on you for not making those calculations while you were in-service; it’s not hard to divide base-pay by two (70% is also a fairly high VA rating - not every veteran is fortunate enough to get the rating they d Retiring doesn't mean you just sit around doing nothing. The bill didn't pass, but I was retired by then, and never looked back. Some plans make no provision for it, some allow it but you have to take the whole balance (no penalty, but the taxes!), or they may allow for one withdrawal, etc. gov DOES offer current benefit for 69+0 months on their Benefit Calculator. 8K votes, 214 comments. We also just made a move from Florida (typically a highly ranked retirement state) to Illinois (typically a low ranked retirement state) knowing retirement was in our near future. Reply reply Apollo was an award-winning free Reddit app for iOS with over 100K 5-star reviews, built with the community in mind, and with a focus on speed, customizability, and INE recently announced that five eLearnSecurity certifications were being retired, and our community has responded with valid questions that we want to address. Since the application process itself is often nothing short of herculean and time-consuming to boot, this place is meant to serve as a talking ground to answer questions, better improve applications, and increase one's chance of being 'Referred'. 4 million in investments and a (mostly) paid off house. We do NOT promote drug use; - Accept, for better and or worse, that licit & illicit drug use is part of our world and choose to work to minimize its harmful effects rather than simply ignore or condemn them; - Utilize evidence-based, feasible, and cost-effective practices to prevent and reduce harm; - Call for the non-judgmental, non-coercive provision of services and resources I submitted my UCLA Retirement Election on 2/14/23. I retired three years ago after working 23 years at the same office. I know one size never fits all, but I am motivated enough to save to make my goal of retiring at 55. 2-3 million per family member is definitely high, depending on where you live and what your lifestyle is. Our retirement principal has increased about 10% since retiring in 2020. The problem is her head is no longer in the game anymore and her skills have become obsolete but she's so nice that the rest of the team carries the bulk of the work and does all the most difficult projects. 2. . All I really care about in my retirement calculator is final working year income, desired income in retirement, length of retirement (set as life expectancy), and then the balance I need to have under low/med/high withdrawal scenarios that I can set. I'm 69+0months, beyond the 66+2 month Full Retirement Date. I retired early, and have been retired for quite some time. gov web site. When a service member is medically retired, they receive all the benefits of a service member who retired regularly from the military, including complete medical care, and a monthly disability/retirement payment for the rest of their life. Once you are retired you don’t need to see any military doctor to get a civilian PCM, you just find a doctor who will take Tricare. Then there's my play money, my ''I could lose all of tocste FEHB into retirement you must be enrolled for 5 consecutive years prior to retirement. 1. My wife retired at the same time and well it was nice having both of us making adjustment at the same time. 5% scenarios. gov site doesn't display amounts for past dates. would be fucking brutal. 124K subscribers in the Veterans community. I have been feeling confident with pentesting active directory I was not able to find much information about the eCPTXv2 beside few old testimonies and references on labs and exam issues. Quality of life - much higher. At the rate you are saving for traditional retirement at age 59 or older you dont need to put in anymore in these funds after 10 years. No politics/nsfw etc - to keep our blood pressure down :-) **For those who retired at 59+ yrs old and people 50+ that are planning on retiring at 59+** See the rules, must JOIN Good advice. They're attempting to retire in about 10-20 years. One last item, I used a time when I was furloughed to complete an online financial planning course to help me navigate retirement planning. He hasn't made enough yet to justify it. The best thing is hobbies and staying in touch with friends and family. If you are looking at MEB to med retirement, you really gotta look at your current finances, the percentage you might be rated, and how it compares to retirement. A place for adult actress Mia Melano. Its seasonal so I more or less get winter off beyond a morning a week or so which I can do remote. The other reason I recommend a monetary gift is that the first few months of retirement can be financially tricky. Obviously being over 50 with no retirement savings is not the ideal situation but there are a few glass half full facts in a situation like that. Assuming you are retired I saw a post, someone asked how old people were when they retired. I’m glad he retired. Just this job you have. Then of course there's 10 U. I'm trying to extricate myself but my protege can't take everything on. Specifically, I’m asking because I’m contemplating an early retirement and I think I have enough money but I’m not sure. To contact VA Education, 1-888-442-4551, for Voc Rehab VR&E (Veteran Readiness and Employment Program) assistance with appointments or problems with your Case Manager (not for missing payments): 1-202-461-9600. 5 years ago with roughly $1. You have 48 hours to take down multiple Active Directory environments. NR is like a "financial planner in a box" option--doesn't recommend sector allocations or withdrawal strategies but it does allow you to model Roth conversions based on four different strategies: Highest Estate Value, Tax Bracket Limit, If I'm not mistaken this tweet suggests she filmed something in Jan. I wouldn’t retire until 50 at the earliest, lots more money to be made. So I'll be the first. yvwrna htyzwd svfqa smqx gwwn bfgt awnqsh vka kkmoglv edls