[BrokeAssMillionaire]

Well, retirement application is easy of the last step but need decision what to do in case I am no longer exit    However, stock market was another issue that holding me back. They allowed me to purchase service credit for $114k in order to get additional $1900/month, it's not bad, I can recover 114k in 5 years then enjoy that extra after that. It's a life time until I die.

While I applied purchase service credit, the application was 1/2 way complete where I thought it was done. After a month of nothing going on, the stock market drop where my 401k hit a loss negative 150k, it was gained 200k 2 weeks before. I was pissed because they didn't have clear direction of what to do since there were 2 different companies. So I gave them a call to find out what happen then they told me I had to do it again    Only 3 months left where I had to make decision as quick as possible but the dam market was still down. I was frustrated and didn't want to give up the loss so I decided to play russian roulette daily with the stock market. All the paperwork was ready to submit and a phone call would complete the process. 2 months left and stock wasn't up, time was closing in for me then finally the stock market was up for a week where my 401k gained 250k. I called them to authorize the sell a portion of my 401k for $114k to pay for the service credit. However, they didn't sell right away after I submitted to execute the paper, I was nervous for 3 days if the stock market down again  then finally I got approved and they sold part of my 401k. Phew, the retirement application was complete after that.

Another issue at work too, this was the final process. You know, state employee is lazy, they know what to do but they don't tell you until you ask  they assume you know everything. The communication at this time was kinda odd because they changed the company login process that I couldn't check my email so everything had been delay. Because of 11 months vacation, I missed calculation of my vacation so I ended up 10 hrs more of vacation and 2500 hours of sick leave. I needed to direct them what to do so I decided to cash out 10 hours and convert 2500 sick leave for additional $300 on pension. This was sweet. All the process above need complete in order to start my pension payment the next day after my last company payroll so it won't get delay.   It's also relate to my free healthcare too where I am no longer pay $120 monthly.

Go for United Mileage, my friend spending around 200-300k/yr for his business so he always uses united point for vacation for a family of 4.

The stock market has been up so much that I am afraid it would crash in the next 4-6 years. This is the reason I am saving cash for all in FAS next time and put in CD at the moment. Doesn't matter the wait time 4-8 years. So I didn't pay attention to any stock. The Tesla an FAS that I am holding at the moment would be sold soon but not sure when yet, of course before market crash. For FAS, stock down FAS down, stock up FAS up so when it's crash, I would jump in, this would be my last investment. My target price is between $20-50, and quarterly dividend is decent.


Sometimes, I calculate every penny but I am doing it while it's allowed so my friends call me "trùm sò"  However, I am spending regardless the cost to enjoy when on vacation.

Let cross the fingers and hope for the market is doing good until Trump is out