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What Does an Annual $300,000 in Retirement Income Look Like?

June 9, 2022 by Lazy Man 5 Comments

Can My Wife Retire?

Eight years ago, I wrote What Does an Annual $200,000 in Retirement Income Look Like which projected out retirement income. The following year, I updated it with What Does an Annual $200,000 in Retirement Income Look Like (2015 Version).

The idea was to update it every year. Then I got busy fighting lawsuits from pyramid scams and raising a one-year-old and a two-year-old. Fortunately, they can take care of themselves much better now. I can finally update what our retirement income looks like.

As we get closer to retirement, we get closer to understanding what our retirement income will be. I compare it to playing a game of golf. It’s very, very hard to hit a hole-in-one, but with several (or more) strokes, a good golfer can put the ball in the hole. If we were looking at a future $200,000 in annual income back then, what does it look like now – 7 years later?

Let’s get started.

What Does an Annual $250,000 in Retirement Income Look Like?

I find it is extremely important to take some time and review what your income is going to look like in future years. Many people simply try to build a big nest egg and then draw it down in retirement relying on the 4% rule. An overly short version of the 4% rule roughly says that you can withdraw 4% a year and live on that for 30 years or more. So if you had a million dollars, you can withdraw $40,000 a year.

From the very beginning of this website, it’s been about finding and creating alternative income streams. When I knew my wife was “the one”, I realized that she’s be able to retire with 20 years of military service… and I didn’t want to work another 20+ years after that until age 65. Nowadays, the media loves to talk about FIRE (Financial Independence, Retire Early), but there were very few bloggers motivated to write about it in 2006.

I have two tools that I use to evaluate our future retirement. One is a spreadsheet. I’ve always been a spreadsheet guy. The other is New Retirement, which has a tremendous retirement tool. New Retirement is great at visually showing me when income comes into play. Not to get too far ahead of myself, but mortgages get paid off and Social Security kicks in at different times. It also helps me model my wife’s future retirement and pension income. The year-by-year analysis is something that I haven’t seen from many other retirement planners.

How Our 250,000 Income is Built?

Wife’s Military Pension

With 23 years of service, she qualifies for a pension of 52.5% of her O-5 base pay. When I did this report in 2015, I was almost certain she’d get to O-6. We recently got the news that she missed out on O-6 once again in 2022. They’ve moved the goal posts on promotions for years. We’ve moved twice with promises of promotion-worthy career paths, just to have the rug pulled out from under us. This last year she got the promotion-worthy position and it stayed there… but it happened in February, missing the annual cut-off. We’ll have to wait another 12 months to see if it will help.

In any event, we’ll use the numbers we have. Using this year’s pay charts, 52.5% of her O-5 pension is $5,451 a month or $65,420 a year. We’ll likely pay some pension insurance (so that I get income if she dies) which means the take-home income will likely be less. I don’t want to get into expenses too much in this income report, but we’ll pay for TriCare for Life for health insurance out of this. It is very cheap, but has very good coverage and solves one of the biggest problems with retiring early.

Her pension is indexed for inflation. So I like to think of it as nearly $65,000 of buying power for life. For this report let’s estimate it as $55,000 due to the pension insurance and health care costs.

If the promotion to O-6 happens, the pension could be $80,000. While that would be nice, I’ll have to take the conservative number:

Military Pension: $55,000
Total: $55,000

Rental Income

Our real estate “empire” is doing well. That link will catch you up on our three rental properties.

This is in transition because we’re trying to sell one property. I need to emphasize “trying” because our tenant has overstayed her lease and refuses to leave. We had already sold it, but it seems like the deal may collapse because the courts won’t likely evict her before the buyers move on.

For this report now, I’ll use the assumptions before we decided to sell it. Rent has gone up a lot, but we still don’t charge our tenants much. I think we’ll get close to $4,000 a month in rent or %48,000 a year. However we have condo fees and condo maintenance, so let’s estimate this as $35,000. If we only have two condos we’ll have less coming in from rent and instead, we’ll have more from investing the money we make from the sale. It might not turn out to be a wash, but it will be fun to see how it works out.

This rental property income doesn’t kick in until 2027 when the mortgages are paid off.

Military Pension: $55,000
Rental Properties: $35,000
——————————————–
Total: $90,000

Websites, Dog Sitting, Freelance Customer Support

When I did my first retirement report like this in 2014, I wrote the following:

With all that said, I’m going to estimate retirement income from websites to $25,000. It’s a complete crap shoot, as Lazy Man and Money may not exist in 20 years. Or maybe it is a huge income earner. Even without Lazy Man and Money, I could apply my software engineering skills and create websites for small businesses and/or consult on the side. There are a lot of options in retirement, but I’m counting on the fact that I’m going to be doing something that earns an income and I think it will be a decent one. I like to think this is a conservative number, again it is a crap shoot.

Nowadays, it’s very popular in the FIRE community to talk about having a second act in retirement. It seems that many people keep doing some kind of work that will make money.

I write this website and run a booming dog sitting business. Together they average about $35K a year. I’ve put more of my time into freelancing and the traditional household chores that come with raising two growing boys. (My wife’s work/rat race for promotion consumes a lot of her time.) That freelancing is projected to earn around $24,000 a year, but it can’t be counted on forever.

I don’t know if I’ll be able to count on $50K a year from all these in the future. It’s hard to dog sit if we are traveling. Also, the income from the website is going down a little each year, especially as I devote time to freelance gigs.

With all these moving pieces, I’ll go with a long-term average of $40,000. I might make twice that this year, but I have to be conservative. I have to presume that I’ll want to do less in the future. I’m hoping this keeps pace with inflation. I’ve been able to charge a lot more for dog sitting this year.

Military Pension: $55,000
Rental Properties: $35,000
Websites and Dog Sitting: $40,000
——————————————–
Total: $130,000

Retirement Investments

Up until now, I’ve covered income streams that most people don’t have. I suppose there’s a good chance that some of you are real estate investors, but few of you have military pensions or websites. The typical path to early retirement is about having a big nest egg and spending it down at a rate of around 4% a year.

I don’t follow that typical path. I’d rather have businesses and income streams. However, there’s no reason why we can’t do both, so we’ve built a big nest egg too.

Thanks to the bull market of the last decade (and continuing contributions) our investments have done exceptionally well. We have Roth IRAs, SEP-IRAs, and TSPs (a government 401K) accounts. If we started to take 4% now, we could withdraw $50,000 a year. That may theoretically only last for 30 years until we’re age 75.

It’s hard to say what this nest egg is worth in retirement because we have no specific age where we say, “We are retired!” Even when my wife retires from the military, she is considering entering the private sector after a year off. There are many ways to slice and dice this kind of income. I’ll give you all my thoughts and you can decide for yourself what seems most accurate. (I’d love it if you’d let me know your thoughts in the comments.)

The age that everyone attaches to retirement is 65, so let’s run the numbers with that in mind. That gives us 20 years to grow this retirement nest egg before we start to withdraw from it. I presume a 4% growth over inflation. I’m using inflation to keep the numbers in today’s dollars. That might be difficult because inflation is so high right now.

The net result of another 20 years of growth yields $105,000 in annual income. This is why financial experts suggest that you invest in your retirement accounts early. Years of compounding do make the numbers look crazy. That number has been as high as $120,000, but the markets have slumped a bit this year.

So this number could be considered somewhere between $50,000 and $105,000 depending on when we start to withdraw from it. Since it is a retirement account, we can’t withdraw from it now.

Note: It is important to mention that there’s a huge difference in taxes in Roth IRAs and 401Ks. One-third of our retirement money is tax-free (Roth IRAs) and two-thirds are tax-deferred (401Ks and equivalent). When the time comes for my wife to retire, maybe we’ll move some money to the Roth IRAs. We’ll be in a lower tax bracket then which will make it easier.

Military Pension: $55,000
Rental Properties: $35,000
Websites and Dog Sitting: $40,000
Retirement Investments: $55,000 or $120,000
—————————————————-
Total: $185,000 (now) or $250,000 (age 65)

Non-Retirement Investments

For years we’ve been focused on maxing out our retirement options. After paying for expenses (including primary residence and the rental properties at 15-year mortgages) and those retirement accounts, there wasn’t a lot of money to save in regular after-tax brokerage accounts.

I have a small Vanguard brokerage account and my wife has a bank account where she’s been saving up cash. We’ve been keeping them separate since they were earned from our businesses, but I think it makes sense to merge them and use them as a bridge until the rental property mortgages are paid off or we can draw down from retirement accounts and Social Security.

Combined it’s about $100,000. I’m hopeful we can invest it conservatively at 6% for an extra $5,000 a year. Here’s one plan to do that.

We also have partial ownership of a small business that pays a monthly profit sharing check of $1,000. That $12,000 a year, plus the $5,000 a year we can make from merging our accounts is $17,000 in passive income.

When we sell the rental property that I discussed above, we’ll add around $250,000 to this. That would be a total of $350,000, giving us about $17,500 a year that we could add to the profit-sharing for a $30,000 total. However, we’re not there yet and I don’t want to double count this with the rental income from the same property. We’ll stick with $17,000 until next year.

Military Pension: $55,000
Rental Properties: $35,000
Websites and Dog Sitting: $40,000
Retirement Investments: $55,000 or $120,000
Non-Retirement Investments: $17,000
————————————————————–
Total: $202,000 (now) or $267,000 (age 65)

Social Security

Social Security benefits vary greatly by when you choose to take them. I change my mind all the time on when is the best time to take them.

The standard advice is to defer it as long as possible. That’s probably great advice for most people, but not for everyone. In the past, I tackled the question: Take Social Security Early or Late? What I learned was that if you take your Social Security benefits early and invest them (assuming an 8% return), you’ll do the same as you would if you delayed taking them. The benefit of taking the money as soon as possible is that if you die at age 68, your estate has at least been getting 6 years of payments. If you wait and die at age 68, our estate would only get one year of payments.

On the other hand, it may make sense to wait until 70 anyway. It doesn’t look like we’ll need the money. I like the idea of “betting on myself” that I’ll be healthier and medicine will be a good deal better then. Also, statistically, wealthy people live longer.

Our projected retirement age is 67. The Social Security website has some great calculators and it looks like my benefit will be $24,408 and my wife’s will be $36,252.

Combined that’s about $60,000. Social Security does adjust for inflation, so this is a real $60,000 in dollars at the start of the year (it might be 7% higher now).

Social Security is looking like it will run out of money when we turn 58, so we’ll probably get some amount less than this. We might be still increasing our benefit, so I’ll guess that they’ll balance each other out. It’s far enough in the future that we can just stick with the $60,000 number for now.

The final results look like:

SourceIncomeTotal
Military Pension$55,000$55,000
Rental Properties$35,000$90,000
Brian's Work$40,000$130,000
Retirement Investments$55K/$120K$185K/$250K
Non-Retirement Investments$17,000$202K/267K
Social Security$60,000$262/$327K

Conclusion

To justify the title of $300,000 I used the average of the money we have now and at age “65-ish.” (I’m calling it age “65-ish” because I did the calculations on our retirement accounts for age 65, but Social Security is age 67 for us. The difference isn’t enough to matter.)

I realize that the $300,000 number is intimidating. I hope you don’t compare your situation. A significant chunk comes from the military pension and that was never part of my master plan. The rental properties look good now, but they looked really poor in the crash of 2009. I included money from dog boarding that I may limit in the future. While we never know what the future brings, this isn’t that far off of where we thought we’d be in 2015.

I hope you’ll take the time to run the numbers for yourself. The exercise is to plan and think about where the future is going financially. Please look at different ways to create income and how they can all play a part in ensuring a solid retirement plan. Then leave me a comment about what you learned.

Filed Under: Retirement

“The Water Feels Fine!” – This Frog

June 7, 2022 by Lazy Man 2 Comments

Happy Summer!

I know it isn’t officially summer, but with Memorial Day behind us, it feels like it. My kids only have 1 and a half days left of school. Actually, one kid is done with school because he tested positive for COVID this past weekend. He’s fine – enjoying the freedom. This school year went by quickly.

I was recently reading Joe from Retire by 40’s ten years of early retirement. It’s a great read. Check it out if you haven’t already, I’ll wait.

Did you read it? Well, I bet most of you didn’t. That’s okay.

In a lot of ways, I consider Joe my west coast twin. We both had engineering jobs, got burnt out, and transitioned to stay-at-home-dad status. He’s a couple of years older than me, so I like to check in with him now and then to see what I can expect coming down the pike for me.

There is one big difference between Joe and me though. His family reached a certain amount of wealth and decided he could retire from his engineering job. He did just that and started a blog that makes a little income. His wife still works a government job (as mine does), but she doesn’t need to. They live a frugal life and they have enough money from saving and investing over the years.

In contrast, I was let go from my engineering job in 2007 but just continued to earn some money with my blog. I was doing well enough back then – enough to make half of my engineering salary. I occasionally took on some other jobs such as advanced tech support because they paid well. In some ways, I reached my definition of retirement. However, the longer I continued to run the blog, take tech support gigs, and add a dog boarding side hustle, I realized that I was really self-employed.

Some people say that if you put a frog into boiling water, it will immediately jump out. The same people say that if you put a frog into a pot filled with room temperature water and heat it to boiling it will stay in the pot and boil to death. I feel like Joe jumped out of the boiling pot to freedom. He could probably tell you the day he retired (or at least look it up). On the other hand, I’m boiling in the water of self-employment.

Fortunately, the water still feels fine… I think. During times of high inflation and down markets, it helps to have income coming in. It does make me think though, “Should I ever get out of the water? When would be a good time to get out of the water?” The money from this self-employment is very useful, especially since we spend about $100,000 a year between housing, other necessities, education, and a few wants. Perhaps when the mortgages are paid off and the kids are no longer it school it becomes easier to “retire.” Perhaps I’ll never retire and just keep doing the same kind of work as long as it provides value to others.

That’s today’s insight. Retirement can be boolean, either on or off, for some people. For others it can be like a volume knob with infinite gradients. There’s no right or wrong definition, is there? Let me know your thoughts in the comments.

Filed Under: Retirement

Four Surprising Ways To Grow Your Local Business

May 31, 2022 by Lazy Man Leave a Comment

Happy June everyone! Things are super busy here. My wife had been traveling for the last 10 days only to come back and test positive for COVID. She’s doing well. The rest of us had it 4.5 months ago and haven’t caught it again, yet. It’ll take me some time to catch up.

I’m usually focused on things that are of interest nationally. I realize that the majority of the readers out there don’t care too much about things specific to Rhode Island. It’s easy for me to forget that there are thousands and thousands of local small businesses. There are lawyers, real estate agents, painters, plumbers, insurance agents, and electricians.

I cast a wide net to the whole world hoping (and often failing) to get a good number of readers. A local real estate agent can narrow their search to a couple of cities. It sounds a lot easier to me because there is less competition. Then again, that real estate agent will likely never experience the joy of someone showing up to his business from the other side of the world.

I’m starting to enter that world of running a local business. My Rover dog sitting business is doing well. So far, I’ve let Rover just send me customers. However, I think I’m going to start to explore getting my name out there myself. Rover.com’s finder’s fees are 20%. They do a great job with their booking software and they do all the advertising, so it’s not a bad deal. However, sitters could lower their prices by 8% and still give themselves a raise of 12% by doing it themselves.

With that in mind, I wanted to look at four ways to grow a local business:

1. Your Local BNI Group

About nine months ago, I had never heard of a Business Network International – BNI group. I was talking with a parent at my kid’s school and my wife mentioned that I had gotten into dog boarding and business has been booming. It was a small side hustle until everyone got vaccines and tried to catch up on 18 months of missed travel.

The other parent was a well-known real estate agent and asked me, “What would happen if they change the website?” Yep, Rover.com could put me out of business overnight. That’s never a good feeling. He said he belonged to a local cult group that meets once a week and shares business referrals. He invited me to check it out and I honestly only went because he was giving away Patriots tickets to a lucky visitor. I didn’t get the Patriots’ tickets, but I did see my other son’s best friend’s mom there. In fact, all the occupations from the first paragraph came from the local chapter. I get dog sitting business from a network of a network and I have some great people to help manage our rental property.

2. Telephone Book

Believe it or not, the telephone book is still a good place to advertise. I was surprised, but I came across this yellow page advertising article. It seems like it depends on the industry, but it really can work.

3. Direct Mail Campaign

I used to get a package of local coupons in an envelope every couple of weeks. It seems like it hasn’t happened since COVID though. It seems like most of the advertisers were for nails or spas. There were also a lot of products tied to new moms. I still went through each one and looked to see if there was a good deal that we could use.

4. Radio Ads

I was reading that radio ads reach more people than Google or Facebook ads. It sounds unbelievable, but I know I listen to a good amount of radio. They’ve got me as a captive audience in the car.

Final Thoughts on Local Advertising

I’m not sure if I’ll try telephone books or radio ads for my dog boarding business. It would easier to justify it if I was renting physical space instead of running a tiny gig business. I’ve had some luck with putting my business card at hotels that aren’t pet-friendly. They love having someone they can call at the last minute to save the day when someone shows up with a dog.

My best suggestion is to try a little bit of everything and do more of what works.

Filed Under: Entrepreneurism

529 Plans: 29 Thoughts for 5/29

May 29, 2022 by Lazy Man 1 Comment

Happy 5/29 Day! Regular readers probably already know that a 529 is a college savings plan. New readers who didn’t know that, just learned something.

529 PlanI first started looking into college savings plans in 2007, when my nephew was born. I wanted to give him a little head start. I loved the idea my gift would be multiplied thanks to the power of compound interest.

Unfortunately college savings plans can be a little difficult for a new parent (or uncle) to understand. This lead to my How to Choose a 529 Guide.

I put in a little money to seed the account and added more on birthdays and holidays. My nephew got himself an awesome little sister, so I opened up an account for her too. Grandma occasionally pitched in some money as well.

Today, their accounts have more than $6,000. More than half of that is from market gains. Hopefully, that will buy a few hours of lecture by the time by the time they are in college.

Nowadays, we’re a little more focused on saving for our own kids. We’ve got some work to do on that front, but we do have $20,000 saved. That’s enough about our situation though. We have my wife’s GI Bill. We’re investing in their education with the best private school in the area, so they better earn scholarships too, right? Finally, we want the kids to have some of their own money for their own education so they don’t skip classes.

In short, there are a lot of ways to save for college. Today we’re focused on 529 plans. Let’s get into 29 thoughts on 529 Plans on 5/29.

1. When money from a 529 plan is used for a qualified education expense, there are no taxes to pay on the investment gains.

2. Unfortunately, it’s difficult to get great gains on a 529 plan since they are typically compounding for less than 20 years.

3. You might be able to reasonably double your money twice in that 20 years. Thus one dollar invested at a child’s birth may be worth four after high school graduation. This assumption uses the rule of 69 with 7-8% investment growth.

4. Thus, if you put one year of tuition in a 529 account at birth, it could fund their entire college education. (Unfortunately, very few people have tens of thousands to invest when a new child is born.)

5. 529 plans are run at the state level. As soon as you are done with this article, you’ll want to look at your own state’s specific plan.

6. Some states give you an extra incentive to open a 529 plan. My state, Rhode Island, gives a $100 grant if you sign up for a 529 plan when your baby is born.

7. I used this idea to help motivate a blogger friend to start a 529 plan. I offered $25 and a couple of other bloggers joined in.

8. Some states allow for a tax deduction or credit for saving in a 529 plan.

9. Some states have better investment options than others. When I lived in California there was no tax incentive for me to invest in the state plan. I decided it was best to invest in Ohio’s plan which had Vanguard funds with low expenses.

10. 529 plans can be rolled over to a new beneficiary such as a child. This can be done indefinitely, possibly creating a family legacy of education funding and compound interest.

11. 529 plan money can be used to buy computers. See this IRS page for more details.

12. 529 plan money can also be used to buy computer software subject to the same IRS rules mentioned previously.

13. 529 plan money can even be used for internet service.

14. 529 plan money can be used for tuition at private or religious elementary or secondary schools.

15. 529 Plans can be used for community and technical schools.

16. 529 Plans can be used for some nontraditional schools such as the Golf Academy of America, the commercial diving program CDA Technical Institute, and the Le Cordon Bleu College of Culinary Arts. Yes, golf, diving, and cooking can qualify.

17. 529 Plans can be used for online schools.

18. 529 Plans can be used for hundreds of international schools. Check with the government searchable database first.

19. 529 Plans can be used for online schools. Again, check with the government searchable database first.

20. There’s a limit of $10,000 per year for elementary and secondary use.

21. If your state has a tax deduction for 529 plan contributions, you may want to funnel money through the plan to save on your state tax.

22. If the beneficiary gets a scholarship an equivalent amount of the money in the 529 plan can be used penalty-free. However, taxes on the gains will apply.

23. Alabama and Illinois have a 529 Rewards Visa card where you can earn 1.529% rewards on your spending. A small annual fee may apply. As always, it’s best to pay off your credit cards every month to avoid the huge interest charges.

24. One of the best ways to grow a 529 is simply to create an automatic monthly transfer from your income. This “paying yourself first” creates forced savings.

25. A wealthy relative can use a 529 plan to circumvent the gift tax by “superfunding” 5 years of contributions ($70,000) in one year.

26. Almost 300 private colleges and universities belong to a Private College 529 Plan. It’s the only 529 plan not run by a state and it allows you to lock in tomorrow’s tuition at today’s rates. It’s not an investment.

27. However, if you plan to contribute to the Private College 529 Plan and go to a school that doesn’t participate, you may have done better investing in a regular 529 plan.

28. It’s possible to combine a Private College 529 for tuition and a regular 529 for other expenses such as room and board.

29. As 529 plans are intrinsically linked to taxes, please consult with your tax advisor before implementing anything mentioned here.

If you’ve made it through all 29 thoughts, I hope that you’ve been inspired to investigate at least a few of them further. Let me know in the comments if you have followed any of these down the rabbit and what your experience with 529 plans is.

Filed Under: College Tagged With: 529 plans

Free Form Friday!

May 27, 2022 by Lazy Man Leave a Comment

I’m doing something a little different this Friday. Instead of one main article, I’ve got a few different thoughts on my mind. Typically, I’d do this on Twitter, but things disappear on the timeline fast that it doesn’t seem worth it.

Giveaway on Kid Wealth

I’m giving away a course on entrepreneurship for kids ages 10-18 on Kid Wealth. It was created by a financial expert with the certifications and credentials to match. It includes twice a week live video conferences for accountability. It’s timed perfectly to fight your kid’s summer learning loss. By the way, I know a guy and he says your odds of winning are extremely good. Go here to enter.

Plutus Awards

The other news is that the annual Plutus Awards are taking nominations. The Plutus Awards are like the Oscars, Emmys, or some other award show with a red carpet that my wife watches. Except it’s for personal finance… and there’s no red carpet and it’s not televised and it’s not reported by the news. Nonetheless, it’s important to me to continue a streak of never winning one. I could take the easy way out and simply ignore it, but that’s no fun. It’s much more fun to play the game.

However, to get in the game, I need your help. I need to be nominated. That means that someone has to go to the Plutus Awards Nominations Page and enter in my website in a relevant category.

Below are a few suggestions. My best chances may be the first two. Regular readers know that Lazy Man and Money covers personal finance very broadly. I can write about military pensions one day, investments the next, and college planning after that. That means it doesn’t fit in a nice category. I’ve been a finalist for a Lifetime Achievement, so that seems like the best path.

Secondly, Kid Wealth is perfect for the best financial literacy content for children. It’s a perfect fit unless some of the other categories and Lazy Man and Money

  • Lifetime Achievement – LazyManAndMoney.com
  • Best Financial Literacy Content for Children – https://KidWealth.com
  • Best Family or Couples Personal Finance Content – LazyManAndMoney.com
  • Best Financial Independence or Retire Early Content – LazyManAndMoney.com

Make Extra Money

Does inflation have you worried? It seems to be on everyone’s mind these days. The people from Savings Advice have a blog post on how to make more money on the side. I got started dog sitting several years ago with the idea of making a couple of hundred extra dollars a month. Now, I make thousands and thousands. This blog was designed to explore side hustles and then it became one itself!

Savings Advice is probably one of the oldest personal finance websites on the internet. Some people have created blogs on the site and have run them for more than 10 years. They also have some money forums which is a good place to get some quick money answers.

Filed Under: Random thoughts

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