e2 to e4 is a popular opener.
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Many thanks for your post, definitely one of the best ones of the entire thread. Allow me to go back to my opening post and expand a little in response.
Inflation has been raised as a concern and its something people would do well to consider. In my view investing at least half one's retirement funds in something who's income grows with inflation, like shares or a rental property helps ameliorate the risk. Inflation is well contained at present but may not always be.
So...let me advance the debate. Is $1m and a debt free home enough in your view assuming the current superannuation scheme remains or do your sacrifice more consumption and enjoyment of lifestyle now so as to be sure you'll be in complete comfort and total luxury later on ?
At age 48, my own analysis needs to exclude super because I am not eligible for many years.
Further to this, given the time frame until I am eligible, I can't afford super to be a fait accompli so must plan to not rely on it.
With the rate of medical advancement I need to plan to live for a lot longer than I probably should, despite the permanent damage I must have done to some pretty major organs in my youth.
On my above basis I entered retirement quite recently with no need to ever work again, so assuming my method of analysis is sound, it can be done without super (and in my case, without inheriting a cent, or needing to inherit a cent, from anybody). In saying this though, I believe I will need to do something regarding work for a number of good reasons. Just taking a bit of a break for now and doing a bit of catch-up house maintenance.
Let me be the first on here to congratulate you mate on doing so well in life that you can afford to retire at 48 and I know you're a very bright chap so I'm sure you will find plenty of ongoing things to keep yourself challenged. Looking forward to seeing you again at our forthcoming Auckland ST get-together, (date to be decided hopefully late February sometime).