u/montaigne_6823

Have any vaca banked you can use?

wow. 30 is a lot. I have maybe 10 and have slowed way down on collecting. For a while I was buying multiple seikos a year. I like to wear one for a week or so to keep it running before switching. Though if I had a winder it'd be nice to keep 2 going at once. I feel like I'm goin…

Ugh, the people that told us to 'follow your dreams' for career advice want us to use the same logic outside careers too. Can I not just lead a chill life? I don't need to be ranked at every aspect of my life.

I bought a dvd for $6 because I can't stream it anywhere and I wanted it. Just coincided with prime day.

>are you committed to working until a certain age regardless of your FIRE number?  no

OP could fire and hire me to call him every morning to tell him everything is still fine!

Not really, it's pretty straightforward.

Yeah, I hate when I think I'm cross-threading it back in.

Hell yeah!

I've always said just pay them off with paycheck money not selling investments or savings for it.

Why? That's better than setting it and forgetting it at 6% ? Before I got to maxxing mine out I would increase it every time I got a raise until I got there.

Yeah, my company had actually really good presentations about that stuff and I used to never go. My colleagues that knew I was savvy asked me why I never went and I said because 'I don't want to end up arguing with the presenter about things that don't matter to 95% of the people…

I don't know what your family circumstances are like but have you considered getting a hotel room a couple nights a month? That could be a huge stress relief to make it doable. Definitely take the interview though. Could if anything be good practice for the next interview. I lik…

Can you post some of the questions?

Is it feasible to hold out for a layoff package? Though it's probably insignificant for your situation, you're FI as it is I would say.

You have managed to find some weird mentors.

Idk bro, flip a coin lol. I would tell you not to quit but that 1 yr severance is tempting!

That's great! I'm hoping for good news myself this week. A megacorp told me Monday that they were putting an offer together for me so hopefully they can get that to me soon, and a local company should be giving me feedback soon also (it's the long end of when they said I should h…

And I have no idea where people are finding all these part time jobs. Maybe it's like vegans and crossfitters how there's not that many of them but they're very loud about it.

During Covid I think I was the only bidder on the house I bought and I bid 10 (290 total) over because on 2 others I lost my bid. I'm still happy about it because it has been a good investment.

also said he doesn't have kids 'yet'.

Some of both!

I just move on to the next post when people talk about coasting. Especially when they just refer to a job as the salary as if stress and money scale together linearly. If it's an actual job/career they're talking about that would be like a hobby job then that's different. But it…

I could be wrong, I was going off memory.

Umbrella is not that much more. I think I have 1 mm of umbrella for less than $ 200 per year. Think of it as pre-paid legal. I'd say you're way past due.

Traditional is probably the way to go here.

Show her the math of a 25% savings rate vs a 50%? (or whatever the current rate it) on the MMM years to FI. That's a big difference!

I double checked just now and 400k /= 100k.

That may be true. But your nitpicking my argument. Large buyers of labor can have an outsize influence on the labor market. That's the point I'm trying to make. The efficient hand of the free market was never real.

In closing, you are all valuable members of the team. Please enjoy this pizza party!

I def wouldn't sign anything just for 1k.

Takes one to know one buddy!

I love this sub because people actually RE, instead of just posting their latest milestone, celebrating with a snickers bar and then back to the grind!

>(because when we're recalled from furlough, we have to go back the next day). Wow, that's some BS.

My parents live in an affluent area and there are some small shop near them that are always changing ownership and they are always the most ridiculous businesses. I think right now it's a little boutique but it was a pet boutique once - like clothes for pets. Or maybe it was gour…

short term is under a year and taxed like income. Long term is 1 year or longer and is taxed at long term cap gains tax rates (less than income tax).

And ask a bunch of index fund nerds that have never been near a farm for advice on how to get started lol.

Maybe on holidays or something, otherwise it's Mr Pibb!

3 mil is my fatfire number!

>90 % will reject you, but you got FU money, so you just wait patiently for the perfect job. I get 90% rejections even WITHOUT crazy asks like this. It's an employers market right now.

A free timeshare, what a deal! I'm sure they're just giving away great vacation values here! Someone loves it so much they'd give it away for free to be out of their timeshare contract!

Yeah, I got that too. It's not that crazy they're getting rid of 0 acct balance accounts that never have activity.

Yep, and with that invested OP could have no job or literally any job at all. Follow your interests OP.

Uh, I'm not sure I can quantify that on my spreadsheet, so I guess I won't!

A goal can be just to have a nice day every day. Now define what that day is.

You have so much mortgage left I didn't really factor that payoff in. I just typed in (37+73)x25. Adding taxes and health insurance vs the mortgage payoff might come out to a wash. Whoa, I just checked out this ficalc site. I'm going to have to run my own numbers in this!

I haven't run your specific scenario but I've humored fidelity before and let them critique my portfolio and I found their critique to be pretty good. They had some suggestions for me and when I explained my logic they agreed with me. I found them to be not that pushy and general…

I calculate you need 2.75 mil. So I'd say your close but with roughly 2 mil I feel like you could make it work if you had to.

>80-90% of people in Canada live within a couple of hundred miles A couple hundred miles within the US border is a ton of land by itself!

Yeah, that's what I said bro. We agree. It works for products also tho. If your buying power degrades it makes sense to put off purchases because your money has more buying power in the future. Instead of cash drag people would get cash sail? idk the opposite of drag.

I went to edmonton a couple times and in between the neighborhoods of houses on small plots would be fuck tons of empty land. Idk what it's like in Toronto which might be Canadas version of NYC but that's what it was like in Edmonton which is the capital of Alberta so I wouldn't …

I'm not the smart guy, but I came to my own conclusion after watching a fuck ton of bitcoin propagandists talk about how great bitcoin is. One thing people love about bitcoin is it's deflationary. Allegedly the value of bitcoin only goes up so people prefer to hoard it instead of…

There being a housing shortage is crazy to me. I've been to canada a few times and they're building houses (little mcmansions) on tiny plots while there's nothing but land everywhere!

His first number was pre-kids, that's a pretty big factor. OP basically un-FI-ed themself at that point and had to work back up to FI.

Why are you looking for a Toyota? The answer to that is why everyone else is also. This keeps resale value high.

Satire bro.

>Breaking up large corporations so more companies were competing for customers and employees would do more to materially change wealth concentrations than minimum wage ever will. Don't threaten me with a good time, these things aren't mutually exclusive.

SAme as the people that throw spaghetti or whatever on paintings. It seems dumb, but how else can they get the news to talk about it?

It's still an ad hominem attack. When you can't critique the message, just critique the messenger.

Well, they hated al gore too and he turned out to be right. We made fun of his lockbox idea for social security and now here we are with no solution. Climate change also.

Theres's a lot of money to be made making the environment dirty.

Maybe she was just doing the right thing and not making a 'career move'.

Yeah, I was in 5th grade when it happened. I visited ground zero when it was rubble and have never felt the need to go back. While working downtown one time we went to the bbq restaurant next to the memorial and that was the closest I've been since.

He'll probably give the same bullshit answer you all suggest about 'consulting' or whatever.

What's 'market'? Minimum wage? As the biggest employers they literally set the market. Sure they may pay above min wage but if you raise min wage then they will have to pay above THAT to be competitive with bottom basement companies. There will always be bottom feeder companies …

Great read, thanks for posting. Every time I read something that can be summarized with 'shut up and enjoy your iphone and cheap televsion', I want to say that's why you have none or so few grandchildren. Also, note in the 80s they invented the concept of just laying people off …

The term for a monopoly on labor is 'monopsony'. It's how companies like amazon, walmart, and dollar general are able to suppress wages below the free market. And then other companies benefit from this suppression also.

The term for a monopoly on labor is 'monopsony'. It's how companies like amazon, walmart, and dollar general are able to suppress wages below the free market. And then other companies benefit from this suppression also.

Also look up 'grey rocking'. I think a lot of this content gives people ammunition to get an emotional response out of their 'opponents' (you), and then assume because you've lost your cool, they've 'won'.

OK, about antisemitism specifically, try the Behind the Bastards 2 part podcast on antisemitism: The Conspiracy to Begin All Conspiracies. Maybe ask him to listen to that and in trade you will consume some media of his choice and then you can compare notes.

Def a fake. Real Rollies have a caseback. You might not even have enough waterproofness without it to even wash your hands!

Probably but by married men looking to cheat. It would make sense to cheat with another married person she'd be less likely to 'go public' about the affair.

I think those are rarer though. A man who you described is probably on his way to divorce if not worse.

wow, that sub is crazy.

I usually don't sweat much at the gym. I lift weights and walk on incline so unless it's really humid I don't sweat much. I'm not a pro athlete just trying to stay healthy.

Typical boomer, pulling the ladder up after them.

>which optimization layers actually fit the philosophy vs which are just busywork dressed up as optimization. This is gibberish.

It's such a huge worry once people get to estimating it they probably overestimate it.

>Someday, kids will be saying "MacGrubered" Bruh. MacGruber is 16 years old now. Don't hold your breath.

Was that supposed to be a bow tie?

Epstein trafficked a couple dozen? Maybe a 100? women and he couldn't keep a lid on it. You think 250,000 UK women could be trafficked by foreigners?

First time I went to Luke's I thought it was just another bbq joint and got the chicken because I'm cutting back on red meat in general and it was the best damn bbq chicken I think I've had and that's just chicken! Everything else I've tried since has been knock out too!

I felt like it had promise until I read after 2029 it would be pegged to inflation. I knew the money would fight tooth and nail just because of that.

My favorite bbq around here is Luke's in Coweta. Just wish they were open more.

I would be fine in a 1300 as a single, I live in a 2400 and it's overkill. I hardly ever even go up to the second floor. Really I just use it for storage and spare bedrooms for guests on occasion.

Wages have been suppressed by companies like amazon and walmart. Wages are too low. Other areas that raised their minimum wages saw improvements in their economy because businesses now had more customers. Is there a point where the min wage could be too high? Yes, but we are no w…

Vote early.

Why not change your registration to republican so you can at least pick your republican and then vote however you want in the General? You could have voted agains Lahmeyer and some other crazies (tough choices though they're mostly Trump loving crazies).

I was surprised it was even on the primary ballot. The last weed vote was on its own ballot completely.

There is a balance, and I think our minimum wage is too low. If we raised it our economy would improve because our small businesses would have more customers. People would eat out more, shop more, etc. The 'free market' isn't working because companies like Amazon and Walmart ha…

If your friends can't acknowledge that training for and then running a marathon is impressive even if they don't have the same goal, then sorry but you need better friends. If you can't be supportive and uplifting simply with a 'wow, good for you' when your friends accomplish som…

I will echo and add to this. 401k traditional is the way to go. I recently modeled my tax bill assuming i would pull 4% of my portfolio equally from each source and was very surprised to see how low my tax bill would be. Ideally you want 5 years + in a taxable account, but other…

I chart my mortgage balance on my NW chart. I'm toying with the idea of adding trendlines and paying the mortgage down such that it will be paid off the same time that my NW trendline has me at my target FI number. Or getting it to where I'm at 5 or 10 years or so from paid off (…

You guys could be FI in no time if you wanted. Or you could downshift into a less stressful job. But quit the day trading. Buy a house and start building the life. That might help work be more manageable.

I've made some amazing stock and leverage picks in my 15 or so years of investing. But, I never got the timing right. I'd have retired years ago if my timing had been just a bit better. It's really hard to pick stocks and even harder for options.

You've lost 70k in one day? I'd say you don't have nearly a big enough portfolio to gamble that much at once on options. At least with shares when my portfolio is down 70k I still have the damn shares and they can recover.

I think you should consider backtesting you allocation with even a small amount of bonds like 5-10%. You'll see it won't take that much from performance but it can smooth out the ups and downs. Though you have such a low withdrawal rate it might not matter. But it could just add …

You get over the resistance to selling shares pretty quickly. After you quit your job, you'll just have to sell shares to pay your bills and what not and you'll get used to it. You'll see the market go up and down but you'll be ok.

About tree fiddy

That's not an uncommon benefit.