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Wednesday, January 03, 2007


Pretty impressive financial review! It is good to see the sensible approach you use to you big picture. An excellent example of how we can all live on the road in comfort without being millionaires Thanks for sharing it with us.

Great summary Howard. This information will be very helpful to Pat and I, as March 31st we hit the road and start our new life. I am currently working on our financials and your willingness to share your finances so completely gives me solace in my decision to leave the rat race. Thanks for all the insight.

Great information. If we keep saving and paying off bills we should be fine by the time our son graduates from high school in 2012. Thanks for introducing us to Dave Ramsey.

Your financial information was very helpful and is a great tool for us to use in our planning. I really enjoy your site and enjoyed traveling with you in 06, looking forward to where we will go with you in 07.
We came in at about 11% since I was more conservative in 06, who knows whats ahead.
Thanks for all your hard work.


Just a big THANK YOU Howard and Linda for your willingness and honesty about your finances. It really helps us "soon-to-be's" see the big picture.

Happy New Year!!!
Suzanne & Brad


Thanks for being so candid with your financials. It's comforting to know we can afford the full-time lifestyle if and when we can do it! :) We hope this will be the year!

Bill and Linda

Who did you say your broker is ???

Howard... you're not budgeting for inflation. Your expenses WILL go up every year. You're also not budgeting for depreciation. Your truck WILL have to be replaced someday. If you account for inflation and depreciation, your 9% target return will not sustain you.

We use a young pair of professionals with Merrill Lynch in Louisville. They are wonderful!

Yes, we know we didn't include inflation and depreciation in order to keep things simple. We have stopped worrying about trying to predict those things and let them take care of themselves. Gotta watch the "paralysis by analysis" thing that leads to never spreading the wings and flying. With the right attitudes and some basic common sense, that stuff all works out. :)

And again thanks Howard. Our finacial advisor was skeptical of the budgets I was coming up with for when we retire. I showed her yours for last year and she said "OK.. now you've convinced me". You are helping a lot of us do this realistically.

Thank you very much for everyyhing you do for all of us.We are going full time in April. The budget helps us.We just have to figure out Lfe Insurance.

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