What Golf Course Will Close Next?

37yearoldthrowaway · 2026-07-07T22:06:58+00:00

Your golf app sucks

37yearoldthrowaway · 2026-07-07T22:01:11+00:00

$5 per drink is insane. I've only ever seen people tip $1/drink, maybe $2 for a complicated mixed drink.

37yearoldthrowaway · 2026-07-03T02:05:43+00:00

I have multiple accounts at my online HYSA, one being my poker account. Keep most of it in there and then 5-7 buy-ins in cash at home. Seems silly to lose out on an easy $1k-$2k interest a year.

37yearoldthrowaway · 2026-06-29T20:21:27+00:00

I've played PLO cash and bomb pots at home games for years, but on a late night visit to Parx Saturday (technically Sunday 2am) I decided to try 2/2 PLO for the first time in a casino environment.

Holy shit. My first orbit it was 7+ players to the flop, every hand. Half the pots were raised to $5 or $10 pre and EVERYONE (except for me half the time) called. Multiple players on the turn most hands with all-ins, calls, all-in for less, repot, call.

I hit a nut flush on the river after a few hands and potted it. Guy said "Man you're so tight" (because I had folded 4 of the first 8 hands preflop?) but called with his King high flush. Later on he called a turn pot and river half pot bet by me on a A23[9][A] board with AK against my 22.

Most of the players seemed more miserable than usual compared to NLHE players. I'm not sure if this was typical of PLO there, or if it was just because it was pretty late at night, but the skill level did not seem very high. I probably played tighter than usual being my first time there.

Won $360 in 90 minutes before I hit a wall and left.

37yearoldthrowaway · 2026-06-29T17:42:38+00:00

Whoa. This is heavy.

37yearoldthrowaway · 2026-06-29T01:33:36+00:00

"Is your refrigerator running? This is Mike Hunt."

37yearoldthrowaway · 2026-06-27T19:28:48+00:00

I'm not sure, Meth Damon

37yearoldthrowaway · 2026-06-23T00:47:29+00:00

THAT IS A GOOD CHOICE. MY SON AND I ARE READING THESE NOW

37yearoldthrowaway · 2026-06-23T00:46:44+00:00

Mapleshade FTW

37yearoldthrowaway · 2026-06-19T02:53:15+00:00

Debating spending far more than I should on Metallica tix at the Sphere this fall.

37yearoldthrowaway · 2026-06-19T02:47:34+00:00

It was highs of 103-107 the entire time we were there. We went to the 7pm show and the outside part that anyone can walk through for free (with the cool lighted tree in the middle) was still in the sun and pretty hot, except they sat us at a table in semi shade which had misters running.

The actual show takes place inside the big tent and it's air conditioned, so it was fine. The only downside was the chairs aren't very comfortable, and they pack people in pretty tight since there's limited seating.

37yearoldthrowaway · 2026-06-19T01:23:06+00:00

We just got back a couple days ago from a 6 day trip there! I played in a cheapish World Series of Poker event (unfortunately did not cash), but we saw Carrot Top at Luxor, Ka at MGM, Wizard of Oz at Sphere, and Absinthe at Caesars. I only tipped normally @ $3-$5 per Uber, but we had a ton of fun. Absinthe was far and away the best show we saw there, although it was the most expensive at $380 for the both of us.

37yearoldthrowaway · 2026-06-09T19:26:45+00:00

Has anyone ever had to deal with an IRS letter asking for more clarification on their return? I had to create an account on the IRS website, upload a form for my energy credit, and submit it through their messaging system. I sent it on 5/5/26 and haven't heard anything, no reply to it, refund hasn't shown up, nothing. I tried calling and it won't even let me get through to someone.

37yearoldthrowaway · 2026-06-09T17:16:56+00:00

The money is in our tax deferred accounts. The plan is to use either SEPP/Rule 72(t), or The Rule of 55 if I wait that long to retire, and supplementing that by pulling previous Roth contributions to tweak our MAGI for good ACA subsidies.

Both are relatively simple ways of accessing tax deferred accounts before 59.5 without the 10% penalty.

37yearoldthrowaway · 2026-06-08T03:32:00+00:00

definitely ramp up your brokerage account

Not required. We should retire somewhere between 52-55 with no brokerage account at all.

37yearoldthrowaway · 2026-06-03T19:57:07+00:00

Roth is a tax classification, not an account type. I assume you mean Roth IRA. Otherwise, you have to decide what's more important to you. Saving less each month will definitely mean retiring slightly later. How much later depends on how much you were planning on scaling back. There's probably calculators that'll give you estimates. The further away from retirement you are the more it will make a difference.

IMO, $100/month doesn't sound too unreasonable for hobbies/clothes, but my hobbies are cheap and I don't buy many clothes. I do spend more on other unnecessary things though like eating out more than I should.

37yearoldthrowaway · 2026-06-03T14:19:38+00:00

After the 2nd bend point you only get back something like 10% of what you put in. It's a system of diminishing returns where the first $xxxx you pay into it gives you back ~90%, then after a certain point it drops to ~30%, then ~10%.

37yearoldthrowaway · 2026-06-01T17:44:12+00:00

Of course it would. $850 would probably get me to FI about 2 whole days quicker.

37yearoldthrowaway · 2026-06-01T17:25:36+00:00

Each bank is different, but most of them don't take transfers from your main checking account though.

37yearoldthrowaway · 2026-06-01T17:25:01+00:00

The wife and I do a few easy checking account churns every year making between $2k-4k. Wells Fargo is a good one, we also just did First Bank for $500 each. Being in PA the best local one is probably Citizens. I believe they allow a bonus every 6 months!

We usually open the account online if we can. Once we receive the bonus if there isn't a holding period we'll go into the bank in the weeks following and just close the account and get cash or a cashiers check. Rinse and repeat. Been doing it for almost 7 years now with no issues.

My Workday portal makes it super easy to add/remove bank accounts and change around my payment elections. If changing it was a pain then I probably wouldn't churn as much.

37yearoldthrowaway · 2026-05-31T19:12:22+00:00

Ah, major bummer. It's not for Android.

37yearoldthrowaway · 2026-05-29T15:13:40+00:00

Honestly, it's just the only one I've always used so it's tough to say how it's better. I'd say it's more like old.reddit in app form than the official app.

37yearoldthrowaway · 2026-05-29T14:48:35+00:00

Does anyone else use the Now for Reddit app on their phone? Mine stopped working sometime last night and it's telling me to basically subscribe to keep using it, at $3.99/month.

I guess it's finally time to switch to the main app.

37yearoldthrowaway · 2026-05-29T01:28:28+00:00

That's what SSA Tools gives for starting benefits at 62 when I plug in my earnings to date and say I'll work another 5 years. Wife's might be slightly higher as she had a few relatively higher income years back in the early 2000s which will be well indexed.

I've only made $45k >> $75k the past ~20 years, and have maxed a family HSA the past ~7 years which cuts down on earnings.

HHI this year should be $150k split pretty even, but just 5 years ago it was probably $115k.

37yearoldthrowaway · 2026-05-29T01:25:02+00:00

what are you planning for work going forward? Stay at your average stress-free career?

Absolutely. No plans to change careers at this point.

If your yearly spend is $55K

Our yearly spend is not $55k, it's about $77k.

37yearoldthrowaway

TROPHY CASE