TorchtheFlyingTiger

I've never bought extended warranties.

If I couldn't self insure through any repair I wouldn't buy the car.

I listen to Clark Howard a lot and he often mentions how many consumer complaints he hears about warranty companies not paying out or being unresponsive. Only one's I'd ever consider are form manufacturer not a third party ever.

Can a case be made for putting assets in joint account for creditor or lawsuit protection? I was recently advised by estate attorney to retitle our individual brokerages to joint for this reason. Something about Tenancy By Entirety (TBE) accounts protecting assets if one spouse was subject to creditors or lawsuit. Apparently it's state dependent. Also, wouldn't widow get added benefit of a 50% step up in basis at death of 1st spouse?

I assume doing so would make them marital assets though and lose protection as inherited individual assets.

Before buying dividend funds make sure you understand the tax implications in a taxable brokerage.

This dude is apparently new to investing and many of you are suggesting picking individual stocks, that's terrible advice for a newbie!

I'm working on convincing my mother to spend her's. Finally got her to buy a home (she's intended to relocate for past 2 years since retiring). I just try to show her in different ways how much excess she has. Hopefully, she will start being a bit less frugal.

I really need to follow my own advice and lead by example. Been living on pension only since early retiring 4 yrs ago. Realizing tax optimization isnt doing me any good if I dont spend my $.

No quite there yet, I need to figure this out too.
I'll pay for or help with any uncovered basic college room/board but if they want to upgrade they'll need to fund it. (I want to encourage them to move out to go to better schools than we have locally)
They will pay for gas and a portion of car insurance as soon as licensed. (Unless this keeps my son who prefers to invest all his $ from wanting to get his license)
After HS, cell phone and entertainment budget is all on them except for family outings/vacations.
I will match Roth IRA contributions 100% (not sure when I'll stop maybe never)
Considering buying them newish cars for college with better safety/automation as a reward if they get into good schools and will be driving back/forth to visit. Maybe wait until after successful freshman year.
They will be welcome to live at home but I will probably charge rent (that I will invest for them to use as a home down payment)

Rosland Capital seemingly spent all their $ on those Fox News commercials until they collapsed.

Tangent , but why do people use an apostrophe to pluralize? It indicates possessive or a contraction. Occasionally there's a use case for using one if simply adding an s for a plural would create confusion but that's unusual.

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Ran a scenario, at 4m in retirement accounts earning at vanguard historical avg, you could pull nearly 350k a year for 30yrs

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That's an 8.75% withdrawal rate. If you run a monte carlo, the failure rate is gonna be substantial even without inflation adjustments I'd guess. What assumptions did you use. Did you use straight line returns or run scenarios based on volatility? A few down years up front would wreck that plan due to sequence of returns risk.

One of best aspects of early retirement has been time and energy to commit to fitness. Establishing and maintaining a routine is much easier without work demands on time and frequent schedule disruptions. Also not neglecting medical issues like I did while working and much more likely to follow up instead of letting things linger. Next, looking to amp up spending on fitness and longevity but reluctant due to fear of being ripped off. Like to get a personal trainer and/or longevity clinic for hormones/peptides etc but dont know how to find legit ones.

Increased productivity has always yielded more jobs, economic growth, and eventually general improvement of living conditions. Like every other major technological shift their will be pain along the way, winners and losers. But history tells me this isnt likely to be a net loss of jobs long term. Perhaps this time is different but I doubt it.

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just contribute to a taxable brokerage account and retire whenever the hell you want

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Why not "just" taxable brokerage? Because tax drag on dividends and distributions during accumulation and capital gains tax on withdrawals. Instead of being taxed once as income (Roth or Traditional) you are choosing to get taxed twice (income and capital gains.)
Taxable has a role but not usually the most optimal to use exclusively. Besides, you need $ for old age too so why not a tax advantaged bucket too?

ETA: taxable brokerage is also usually very inefficient for rebalancing. For instance when you shift to a more conservative allocation after accumulation phase you'd have to sell appreciated stocks and pay cap gains before reinvesting in more stable assets.