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Mit 45 Jahren ist Alpay der jüngste Bewohner in seinem Pflegeheim. Er kann nicht spazieren gehen, nicht sprechen, nicht selbstständig essen. Aber er blickt in den Raum, seine Augen sind geöffnet. Genannt wird das Wachkoma. Alpays Partnerin Diana ist immer an seiner Seite. Seit er im Wachkoma liegt, gibt sie alles, um jede noch so kleine Verbesserung möglich zu machen. Halt findet sie in einer Selbsthilfe-Gruppe in Gelsekirchen. Im November sind es 6️⃣ Jahre, seit Alpay an seinem freien Tag einfa
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The 4% rule was built around a 30-year retirement, and if you're retiring at 40, your money has to last a lot longer. A lot of early retirees plan around 3.25% to 3.5% instead, which means a bigger number. Healthcare is the other big one. If you retire before 65, you have to figure out your own health insurance, and that cost needs to be in your yearly expenses before you multiply by 25. This is also where Barista FIRE shines, since a part-time job can cover insurance and shrink your number at t
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