Cal,
NYC is still the safest large city in the USA and one of the safest in the world.
Philadelphia has a murder rate 7x higher per-100,000 than NYC, and just slightly under Chicago.
We would love to get out to some place more rural but we are just entering our careers as mental health clinicians, amidst a very questionable job market. People keep saying that we will be needed but on Maslow's hierarchy of needs, mental health is not even close to a priority. Add to that the fact that we're just getting by right now. We don't have the money to move properly, but if we needed to flee, we could do it safely.
We can only hope for the best and move when we have the resources to do so. This is the state of affairs that most of the nation is in right now.
Phil Forrest
Phil,
Generally I'm an optimist, but because of compassion I can't but help being tainted by sadness. Life is interupted, and I don't have to look far to see bad things happening all around me in NYC.
I would agree with you that among big cities that NYC is likely and perhaps the safest.
"Maggie" had a career as a Social Worker and dedicated her life to helping people and trying to build a better tomorrow for many. It seems that now as we age out that now is the time to foster our own future and take care of ourselves in a sustainable manner.
So as an example, it was really only in 2007-2008 (less than 15 years ago) that I really made the move into having more than I needed and some level of comfort, but I was not foolish and waste the opportunity to save and invest.
During that time I owned only my Nikon F3P as my only camera. I had gamed the market and was sitting on a pile of cash during the Credit Crisis. That is when I started getting into Leica. I bought a 75 Lux Version 2 and a 35 Cron V.4 that were in mint condition at bargain prices. Both lenses were German versions which held about a $100.00 premium when I sold them years later.
There was about a year delay until I purchased my unusual Wetzlar M6 with the zinc top plate that preceeded the Ti M6 limited edition by 5 years and is a prototype of sorts. So it was about a year later when I could actually use these lenses. When I sold them I came close to doubling my money. There is this Chinese expression, "Time is the best weapon." Pretty valuable to understand timing and opportunity.
Pretty much before the credit crisis I lived paycheck to paycheck. Anyways the point here is that it took 15 years of discipline to get to the point where I have built a retirement, and I started at the age of 47.
They say only about 30% of Americans actually have enough money to retire. I guess this line is where 30% have some degree of freedom and choice in their lifestyle, and that 70% pretty much don't have but few choices.
They say that if you don't plan at least a decade ahead you won't have a retirement, and I say, "Once you hit 50 a decade is not a long time."
Just know the luxuries I enjoy like printing (expensive) and of course my cameras and guitars, are more like hard assets I intend on keeping the rest of my life, and that I feel I have enough "treasures" to remind me I am no longer poor.
Know that growing up I knew poverty...
Since you have a military background I think you know and understand the goal orientation required for victory in earning a true retirement where money and finances are no worry.
If I'm able to work till 66 years 8 months, at age 70 when I collect Social Security, basically that fixed income I will not need to live on. My two pensions are more than enough to sustain me along with just Maggie's Social Security, when she collects it three years from now when she is 70.
Pretty much a comfortable sustainable retirement on just my two pensions and social security, plus the nest eggs we have in our 403B's.
My Social Security will go into a "slush-fund" where I will buy assets and investments to build wealth as a money manager of sorts. I never imagined that I would become wealthy, but perhaps that is the result of renting, not being a typical American consumer, and the required discipline to build capitol by saving (delayed gratification).
Eventually the forced paying of taxes and minimum required distributions of our 403B's will also have to be invested in taxed accounts. Pretty much I will have to become a money manager (Bankster).
All the best. BTW your education I believe will be a great asset in the long-game.
Cal