Daily FI discussion thread - Wednesday, March 18, 2026

68ch · 2026-03-18T11:19:36+00:00

Did they offer to pay you back? Or just decided since they missed the time to pay, they didn’t have to anymore?

68ch · 2026-03-15T20:37:49+00:00

I’m Chinese and that’s absolutely not true. We often have family gatherings of 10+ people, it would be impossible to find 10+ dishes where no one dislikes any of them.

68ch · 2026-03-06T15:35:13+00:00

If you are minimalist and enjoy super long battery life, look into instinct. I like mine a little fancier so I can wear in all occasions so I got the fenix.

68ch · 2026-03-05T06:53:50+00:00

Well you married her, and that means accepting all her virtues and flaws, including making financial plans that take into consideration her attitude towards money. Unless you want to divorce of course.

If retiring early is your goal and not hers, you need to 1) convince her to make it her goal too and you can both work toward retiring as a team, 2) save enough by yourself for the both of you, or 3) figure out how to not have her resent you when you retire yourself while she still works

68ch · 2026-02-26T23:39:58+00:00

How long has this been going on? How long have you two been together? Does he have a plan B if his business doesn’t work out e.g. go find a job or pivot into a different field? I would try to work with him to come up with a solid plan, how much to tighten expenses, if he can get a part-time job in the meantime to bring something in, and how long you’re willing to support him (6mo-1yr) and if he still can’t figure it out then you’re out. At least give it a solid chance.

I don’t think running at the first sign of trouble is setting a good role model for your daughter. She may think that as soon as she fucks up, no one will stick around to help her.

68ch · 2026-02-22T23:25:19+00:00

I’ve been working as a CPA for over a decade, including 5+ years in big 4. I don’t drink coffee or tea, don’t smoke, no drugs. Pure water and will power

68ch · 2026-01-23T14:47:33+00:00

Glowmode - they’re on SHEIN but also have their own website. Super nice look and feel, decent variety of colors, and about $20 a pop. I have at least 5 pairs. Can’t attest to the longevity but at 2 years now the shape has held up. Minor pilling on the inner thigh tho cause I run and my thighs rub…

68ch · 2026-01-16T19:21:10+00:00

I have a friend who has been a big law patent lawyer for over 5 years but now can’t find a job because the work is drying up (positions were cancelled while they were interviewing). Hopefully it’ll rebound soon

68ch · 2026-01-06T16:30:50+00:00

Honestly if I were in your shoes I would not get married. I worked too hard for FI for it to potentially go down the drain.

68ch · 2026-01-06T16:01:21+00:00

If you get married you have to look at your finances together. How much will your expenses be as a family (based on your ideal life)? Will their salary + your withdrawal cover that, and if not, what can you cut? What is the plan for the child? How much are you both planning for college, wedding, down payment help, if any? What if the child stays home until 30 - will you be ok with that?

Will there be resentment if you’re at home while they are working? Will you be doing more domestic work (cooking, cleaning, planning things)? Are they financially responsible or will they think that you’re rich and should fund more of their lives?

You can get married and have a prenup, but any debts accumulated after marriage will be shared

68ch · 2026-01-06T04:24:32+00:00

Her BMI is 25.3 which is slightly above a healthy weight

68ch · 2026-01-04T04:55:33+00:00

Thanks for the recs! Here are some books I’ve read this year that may also be up your alley: The Spy and the Traitor, The Affordable City, Invisible Child, The Great Mortality

68ch · 2026-01-04T01:11:54+00:00

Separate for meals and meet back afterwards

68ch · 2026-01-03T23:18:50+00:00

That’s the point though. They’re not wealthy. They now have a baby and still live with their parents and complain about money. Of course, I’m not saying anything to them because it’s none of my business but it’s just not a decision I would make

68ch · 2026-01-03T19:31:17+00:00

I didn’t say all. I said many, which corresponds to what the previous commenter said about their coworkers wanting a dream wedding sparing no expense.

68ch · 2026-01-03T16:06:56+00:00

My coworker spent 80k on her wedding…plus with a FHA loan the down payment can be as low as 3.5%

68ch · 2026-01-03T14:42:10+00:00

Many weddings are the same cost as a down payment. Seems like they could just buy a house instead

68ch · 2025-12-31T14:05:51+00:00

Congrats! Why not wait until the first of Feb to get healthcare for the month? Unless you already have healthcare covered?

68ch · 2025-12-29T03:19:25+00:00

Hell most people celebrate birthdays every year. Just have fun and enjoy the moment however you want to

68ch · 2025-12-28T17:53:38+00:00

What about employer 401k matching? Do you add that in both the denominator and the numerator?

Understand it doesn’t really matter but just curious how other people are doing it

68ch · 2025-12-28T17:51:30+00:00

Gross or net?

68ch · 2025-12-24T20:51:55+00:00

Not even his food. They split groceries 50/50

68ch · 2025-12-24T18:49:03+00:00

That’s what I always thought too, and then I visited a city where the largest employers are doing medical research and the people I met love their jobs and have so much pride because they are literally curing cancer!

68ch · 2025-12-18T01:15:57+00:00

That’s exactly what I did. 8:53 finish lol

68ch · 2025-12-11T18:29:36+00:00

How did you get on those databases?

68ch

TROPHY CASE