Federal Employees Retirement System (FERS)

SWR

Safe withdrawal rate

CPP

Canada Pension Plan

IPS

Investment Policy Statement

HYSA

High-Yield Savings Account

FDIC

Federal Deposit Insurance Corporation

CD

Certificate of Deposit

PPO

Preferred Provider Organization

POS

Point of Service

HMO

Health Maintenance Organization

EPO

Exclusive Provider Organization

HDHP

High-deductible health plan

HSA

Health Savings Account

FICA

Federal Insurance Contributions Act

IRA

Individual retirement account

401k

401(k) plan

401(k)

401(k) plan

403b

403(b) plan

403(b)

403(b) plan

AGI

Adjusted Gross Income

MAGI

Modified Adjusted Gross Income

RMD

Required Minimum Distributions

Roth IRA

Roth Individual Retirement Account

IRS

Internal Revenue Service

tIRA

Traditional Individual Retirement Account

ESPP

Employee stock purchase plan

529

529 Plan

ESA

Education Savings Account

W2

W2 Form (Wage and Tax Statement)

W-2

W2 Form (Wage and Tax Statement)

FIRE

Financial Independence Retire Early

LCOL

Low Cost of Living

HCOL

High Cost of Living

ROI

Return of investment

FHA

Federal Housing Administration

NW

Net Worth

FI

Financial Independence

SINK

Single Income, No Kids

DINK

Double Income, No Kids

DI1K

Double Income, 1 Kid

Fat FIRE

Financial Indepence Early Retirement

fatFIRE

Financial Indepence Early Retirement

FatFIRE

Financial Indepence Early Retirement

Lean FIRE

Lean Financial Indepence Early Retirement

Barista FIRE

Barista Financial Indepence Early Retirement

Coast FIRE

Coast Financial Indepence Early Retirement

BEA

Bureau of Economic Analysis

DPI

Disposable personal income

P&I

Principal and interest

T&I

Taxes and Insurance

ER

Emergency Room

Trinity

Trinity Study

4%

4% Rule

S&P 500

The Standard and Poor's 500

P/E

Price to Earnings Ratio

E/P

Earnings to Price Ratio

CAEP

Cyclically-Adjusted E/P Ratio

CAPE

Cyclically Adjusted P/E Ratio

ETF

Exchange Traded Fund

VTSAX

Vanguard Total Stock Market Index Fund

VTIAX

Vanguard Total International Stock Index Fund

VBTLX

Vanguard Total Bond Market Fund

VTI

Vanguard Total Stock Index Fund

VXUS

Vanguard Total International Stock Index Fund

BND

Vanguard Total Bond Market ETF

SWTSX

Charles Schwab Total Stock Market Index

SWISX

Charles Schwab International Index

SWAGX

Charles Schwab U.S. Aggregate Bond Index Fund

DSPIX

Dreyfus S&P 500 Basic Index

DIPSX

Dreyfus International Index

DBIRX

Dreyfus Bond Index Basic

FZROX

Fidelity ZERO Total Market Index Fund

FSKAX

Fidelity Total Market Index Fund

FZILX

Fidelity ZERO International Index Fund

FTIHX

Fidelity Total International Index Fund

FXNAX

Fidelity U. S. Bond Index Fund

NOSIX

Northern Funds Stock Index

NOINX

Northern Funds International Index

NOBOX

Northern Funds Bond Index

POMIX

T. Rowe Price Total Equity Market Index Fund

PIEQX

T. Rowe Price International Equity Index Fund

PBDIX

T. Rowe Price US Bond Enhanced Index Fund

MSCI

Morgan Stanley Capital International

CREF

College Retirement Equities Fund

TIAA

Teachers Insurance and Annuity Association

TINRX

TIAA Equity Index

TEQKX

TIAA Emerging Markets Stock Index

TBILX

TIAA Bond Index Fund

ITOT

iShares Core S&P Total Market ETF

IXUS

iShares Core MSCI Total International Stock ETF

AGG

iShares Core Total U.S. Bond Market ETF

SCHB

Charles Schwab US Broad Market ETF

SCHF

Charles Schwab International Equity Index ETF

SCHZ

Charles Schwab U. S. Aggregate Bond Index ETF

RMD

Required minimum distribution

ACA

Affordable Care Act

ARP

American Rescue Plan

FPL

Federal poverty line

RE

Real Estate

PMI

Private Mortgage Insurance

YTD

Year to Date

FERS

Federal Employees Retirement System

FEGLI

Federal Employees’ Group Life Insurance

HC

Health Care

FSA

Flexible spending account