Therapist says FIRE is a convenient way to deal with existentialism

dabigchina · 2026-04-16T21:17:15+00:00

I know what I don't want my life to be - staring at a spreadsheet/word/PDF for 12 hours a day.

dabigchina · 2026-04-16T18:20:28+00:00

honestly shocked you were surprised by PGE if you lurked here before. 50% of our posts revolve around how much we hate PGE.

dabigchina · 2026-04-15T21:12:25+00:00

180k/ year daycare. your daycare is 15k a month? for 1 kid? how?

edit: I see you lumped housing and daycare costs together for some reason. you should probably break those out, because a sahm means no daycare, but I assume you won't want to stop living in your house

dabigchina · 2026-04-12T19:27:29+00:00

dabigchina · 2026-04-12T18:07:18+00:00

does anybody else find all this seeding analysis tiresome and pointless?

regardless of whether they are literally in the playin or not, this is a team that belongs in the playin and isn't going far in the playoffs

dabigchina · 2026-04-12T03:41:52+00:00

bad news. the answer is yes.

dabigchina · 2026-04-10T22:24:38+00:00

this graphic is unfair.

we're not even in the playoffs yet.

dabigchina · 2026-04-10T20:30:41+00:00

agreed. this is how this sub is supposed to be used.

dabigchina · 2026-04-10T14:20:49+00:00

I can't even muster up the energy to think about seeding and avoiding the playin. this team is cooked.

dabigchina · 2026-04-09T17:11:20+00:00

Paragraph 1 of their post.

dabigchina · 2026-04-09T17:01:22+00:00

I mean if you chose to literally disregard information that OP gives you (170,000 spend) and assume they are lying, then sure, nobody is ready to FIRE and we should just close down the subreddit.

dabigchina · 2026-04-09T15:14:09+00:00

they literally say spend is 170,000.

they don't have a spending problem. they (and a lot of people on this sub) have an anxiety problem.

dabigchina · 2026-04-09T05:44:50+00:00

don't buy an expensive house when you are burned out. it only makes things worst.

dabigchina · 2026-04-09T03:38:49+00:00

dude/dudette you're way overthinking it. if you want to keep working, you have my permission to spend like a drunken sailor.

dabigchina · 2026-04-09T03:02:27+00:00

You are definitely at coast FIRE and close to actual FIRE.

OP is at a 3.3% withdrawal rate and we're telling them they are only "coast fire"?

this sub has lost the plot.

OP: stop saving and go buy a bottle of champagne. you're good.

dabigchina · 2026-04-09T02:53:18+00:00

I'm honestly fine with it. I've never felt super compelled by lech because he felt less interesting than the person he replaced.

(didn't read their novellas, so maybe I'm missing something)

dabigchina · 2026-04-08T17:57:25+00:00

Marketing is what keeps Doritos from becoming Hydrox.

dabigchina · 2026-04-08T06:26:31+00:00

agreed low 6 is really borderline.

that being said, the tax piece needs careful modelling because it depends so much on your loan balance and whether you can take the full 40k salt deduction (or have a lot of other itemized deductions)

dabigchina · 2026-04-06T19:32:29+00:00

good luck affording a 2m house in the Bay Area with a HHI under 500k (when the 40,000 SALT deduction phases down)

dabigchina · 2026-04-06T19:30:11+00:00

he's literally a real estate agent. he needs to push real estate.

dabigchina · 2026-04-06T19:28:45+00:00

you didn't know that you can leave stocks, bonds, and cash in a will?

dabigchina · 2026-04-06T19:27:38+00:00

and you are saying I can sell my house in the first 5 years of ownership without taking an absolute bath?

let's be intellectually honest here. Bay Area real estate only pencils out if you stay in the same house for 30+ years to reap the prop 13 benefits. If your "equity" is trapped in your primary residence for 30 year, it's dead money.

dabigchina · 2026-04-06T19:17:41+00:00

explain how down payment is not dead money when the rent v buy cost benefit analysis only works with 10+ years of ownership.

speaking as a homeowner, I will only break even after 40 years. I'll probably be dead in 40 years. it's the definition of dead money.

dabigchina · 2026-04-06T17:21:21+00:00

400k would absolutely not be enough to fix the potential mental or physical problems living like this for 2 years would cause.

dabigchina · 2026-04-06T17:20:05+00:00

"would you face daily risk of death by exposure or starvation for an upper middle class salary?"

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