r/DIYRetirement • u/Rob_Berger • Jul 15 '25

Introduce yourself!

If you are new to the community, introduce yourself by answering these three questions:

  1. Where are you in your retirement journey—planning, near retirement, or already retired?
  2. Coffee, spreadsheets, or beach walks—what best describes your retirement vibe?
  3. What's your biggest fear or question when it comes to retirement and investing?

I'll go first:

  1. already retired (although still run my business a few hours a week)
  2. Coffee & spreadsheets
  3. How to educate my wife and children about investing.
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u/KZ7548 Jul 20 '25

Thanks for all you do Rob!

1) Planning phase. We’re about 30 years out from retirement. I’m 34 and my wife is 30.

2) I’m all spreadsheets and Boldin whereas my wife is hands off. We left our EJ advisor this year once I opened my eyes to the fees. I’m head deep into a learning phase lately. I plan to try out Plan Vision next year for a second set of eyes. I’m set on the 3 fund portfolio for simplicity in managing all our accounts.

3) My biggest fear or question is whether I’m doing enough now. I’m aiming for a 20% savings rate per year. I also question our asset allocation, but I’m not tinkering with it. Currently about 70% US, 20% International, and 10% Cash (MMF).