Видео

Thanks bro. I was freezing to death for last 12h. Baterry in my thermostat just died and my local store was closed 😭

It’s interesting that the best parts of Alamo., are located away from Alamo., itself.

Are you Hispanic or Latino? If not, then one, why do you say everything with a Hispanic, Latino accent? he said some thing about saying Las Cruces but you didn’t say why are you say everything that way. Also, I wonder what the significance of you not liking Texas has to do with your video or with Las Cruces in general.? Do the people in Las Cruces generally not like Texas? Think that’s odd to mention. If you don’t like Texas, why would you live so close to it?

Recently more and more people have moved here to chattanooga and the surrounding area😢

Uncle Sam took me to Alamogordo in Jan. 1975. After leaving the USAF in 1977, I stayed in NM until Jan. 1984. I lived in Cloudcroft briefly, Timberon for more than a year, Hobbs, and La Luz. I moved back to Missouri to home and family. I find myself still missing the area. I took my wife, right after marriage to New Mexico for a visit. We stayed a night in Cloudcroft and a night in Ruidoso. She did like both communities, but not enough to even think of moving to NM. To this day, a piece of my heart longs for the Sacramento mountains.

New Mexico is one of the worst states to retire in, the governor is trying to turn it into California.

Thanks for putting this together! Great discussion. You earned my subscription!

I might be checking out this city in the next few weeks or so ready for a full retirement soon Hooah!

Dude, you can just say it normally. You don't have to fake-roll your r's. Lol

You can also get comb devices that keep the animal at one end while you open the door.

On some battery slots, you don’t need aluminium foil, just batteries lol

This is some kind of robot AI video - SKIP IT - you never see any actual person

Alamogordo is a very nice smaller Town. It has a nice year round climate, and easy access to the Mountains. It has a small City Zoo and a Space Museum. White Sands National Park Park is 15 minutes outside of Alamogordo. The world class Inn of the Mountain Gods in Mescalero, is only a 25 minute drive.

Las Cruces is drug filled and crime everywhere

Las Cruces is drug filled and crime everywhere

Wildfires and floods make these NOT suitable for retirees.

I mean they are so unreliable to grant requested redemption for e-gift cards after doing surveys. Contact their support is completely to no avail.

I believe the main distinction between CoastFIRE and BaristaFIRE is that in BaristaFIRE, you are drawing from your investments to cover most of your expenses while working a job to cover the rest, extending the life of your portfolio. CoastFIRE is still RE if someone is coasting to retire at a younger-than-average age, it just means they plan to take their foot off of the gas sometime before retirement, extending how long they have to work but allowing them to move into a transition period where they work an easier job or fewer hours.

No mention of state income taxes or local property taxes, especially with any potential tax break for seniors? No serious analysis of a retirement location would omit that. I don’t believe for one second that this guy is looking for a retirement location.

I'm looking at living there (moving from California) and enjoying the mountain towns and visiting friends in Las Cruces

Great look at this. Thanks for showing how the tool works.

Thanks for sharing

Perfect. We'll done, concise. The meta data to all the important considerations. ❤

Thanks for the video, good tips that I followed and helped me release a California ground squirrel that had taken up residence beneath our porch.

If you have money and guns yea you get to live off everyone else for a while till they come for you stuff and they take and hate on everyone in the end you sell off everything 25cents on the dollar then you deal with that crooked courts there after the educational system first they break down the kids then the adults you can be blacklisted by anyone so prepare for war when you come there.............

Just pray you don’t need much medical care.

new mexico wont work if you need dentist and dr visits. its gorgeous but the services are just not there. residents must travel to AZ to see a decent dentist.

In the 90s with a gameboy color we would just pull those springs to make then longer, stick the tripleA, and then tape it in place.. never knew about the foil

Not enough bars.

Either Las Cruces or Elephant Butte for my retirement

I would suggest Green Valley, Arizona for an excellent retirement area. It is close to the Tucson area but far away enough to not feel overtly 'urban'.

this is a gold mine. thank you for sharing it

I figured such a thoughtful video deserved at least one response so gere it goes. On your broad point, you are right that it should be Coast FI rather than Coast FIRE. The reason many people call it CoastFIRE is that r/CoastFI was already taken by a dumb now defuct ponzi scam product where you bought a device that purported to let you sell your wifi back to a company. Then instead of just admitting that in the subreddit they decided to justify calling it Coast FIRE by claiming that when people stop investing and work less, it is a form of semi-retirement. I consider this a little too cute (since as you noted, some people choose to spend more rather than working less). And since FIRE revolves around reddit, that use of r/CoastFIRE has generated some conceptual confusion. As to your argument that down-shifting to a lower paying job is always Barista FI, you are interpreting Bariata FI too broadly. Barista FI describes actually withdrawing money from your retirement nest egg to fund your semi retirement. It therefore requires you to have a big enough nest egg to pay out money to fund your shortfall each year and to still fund your full retirement at a traditional retirement age. CoastFI involves actually making exactly enough income to fund your lifestyle without dipping into your retirement savings or investing more. As to increased spending upon reaching the Coast FI milestone being lifestyle inflation, it depends on the type of spending. If the spending is on a mortgage that will be paid off by your full retirement age, then the mortgage does not impact your retirement spending (although property tax and required maintenance still would). You could also help pay for your kids college during your Coasting period without increasing expected retirement expenses. You could also give to charity with no plans to keep doing so after full retirement age. Not all spending creates permanent lifestyle inflation. I agree that a conservative rate of return is important to Coast FI planning. But this is also true of safe withdrawal rates in regular FIRE. We are always dependent on markets to some degree and always accept some risk. As to your Coast to FI name, that would work and I'd be fine with it. But the reason that CoastFI and BaristaFI and FlamingoFI adherents don't include the "to" is that they believe that they are using the incremental financial independence achieved along the way to build a better life earlier. They don't see financial independence as something you either have or don't have, but as something you can gradually aquire more of and use. Finally, on a personal note, currently I am 27 working 2 full time jobs and one very limited part time job to save and invest because I understand the value of compound interest. I also understand that doing that isn't sustainable for long. So I am planning to basically follow the CoastFI (or Coast to FI) path. I'm aiming to have roughly enough invested that with a 5% real rate of return I have 25 times my projected expenses at 65 and then stop working one of the jobs. I don't know what the future holds completely. I may be able to keep investing to some degree. Returns may be better than I predict over the next 37 years and I may retire early or be able to spend more than I've planned for. They may be a little worse in which case I'll have to save a little along the way or count on some amount of Social Security income to make up the short fall. I think a lot of people are in a similar position to me. They are willing to work long hours for a while to build up a big starting nest egg, but are not willing to continue working those hours for long enough to reach full FIRE and sacrifice time with friends and family along the way. I've often heard it cited that 90+% of the time you will ever spend with your kids occurs before they go to college (and a disproportionate amount of time before they go to school). After that the kids have busy lifes of their own. Many people aren't willing to sacrifice any more of that precious time chasing FIRE during those pivotal years. I think that's the best use case for Coast FI (or Coast to FI). Work and invest aggressively while young. Then back off the work and devote more time to family. Finally, retire.

Jekyll island 😂😂😂😂

Great video, thank you

I wasn’t a huge fan of Alamogordo, but I do miss brown bag burger and cloudcroft. Trips Cloudcroft helped me heal from the death of a good friend of mine. Going back this summer

The days I spent in cloudcroft will forever be some of my most cherished memories. Miss that little place.

Thank you for this it was really helpful 🙏

I feel like batteries inside of a door lock is so bad because if it dies you’re just locked out of your house or anyone can break in at any time😭

Any great fishing lakes up there?

Helpful, but I spent a few weeks there looking for a moderately priced home, or even some land that didn't have too many restrictions yet was adequate to build on. I found neither. The Gila healthcare facility was pretty underwhelming when I sought treatment there. There is also a less desirable part of town; also true of some nearby locales. Also heard bad things about the schools from a realtor who removed their kids and is home schooling v. subjecting their kids to a substandard school system. SC has a long way to go to be a really desirable retirement or living destination.

It appears to me you want an urban life.

Retired here in 2018. If you like simple living this is the town for you. Perfect for introverts. Quiet and low crime . Work from home or start your own business. The jobs here are low grade.

You mentioned some great areas I visited when I was out there around 1995 summer🎉

About retirement in NM: Better research the NM state laws regarding taxes to your income, SS. Also, the resources of hospitals, doctors available. Fire response too, you are in the forests that some say are unhealthy.

Me likey

Amazing hack thanks very much for sharing you will save people a lot of money with this easy hack thanks and season greetings

Hello, I just found your video about Silver City NM. Thx u for ur perspective. Did u end up retiring there & if you live there now, has Silver City changed much since u had been there? How's finding a place to live there? Buying land, or housing? Thx u in advance for any inputs u can provide. 🙏🏽

Remember...low humidity means heat not as bad as the midwest or the east.

What simple spread sheet, thanks for putting that tutorial together. I was dreading how to work this out each year.