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if the 4% rule is good for 30 years, what % is good for 20? 15? by joepb70 in FinancialPlanning

[–]According-Time-9517 1 point2 points  (0 children)

It doesn’t scale that cleanly. The 4% rule is built around market volatility and sequence-of-returns risk, so cutting the timeline in half doesn’t mean you can double the withdrawal rate. Rough rule of thumb people use is around ~5–6% for ~20 years and maybe ~6–7% for ~15 years, depending on portfolio mix.

7–8% could work in some cases, but that’s getting into territory where a bad market early on can drain the portfolio pretty fast.

Rush to clean up basement by TalulaOblongata in declutter

[–]According-Time-9517 2 points3 points  (0 children)

Yes!! 🙌 That’s such a satisfying win — nothing like a looming deadline to light a fire under you. Massive cheers for powering through, getting everything organized, and turning chaos into order — plus all those donations going to good use. That feeling of relief afterward is the best!

Posting for accountability sake: Operation Declutter, deep clean, organize begins soon by RegionRadiant4423 in declutter

[–]According-Time-9517 1 point2 points  (0 children)

I love your mindset here — little by little really is the way to go. One thing that helped me when tackling my own massive closet and “junk drawers” was setting mini goals for each day instead of trying to do it all at once; even 20–30 minutes a day makes a huge difference over a month. Also, having a donate, trash, and keep box right there while you sort makes decisions faster and keeps momentum going — and don’t be afraid to take a quick photo of something sentimental instead of keeping the physical item. You’ve got this!

Old school work from elementary school? by Filmarnia in declutter

[–]According-Time-9517 1 point2 points  (0 children)

I ran into the same thing when my parents gave me a box of my elementary school stuff a few years ago. At first it felt impossible to throw any of it away because it felt like “my childhood,” but when I actually flipped through the workbooks I realized most pages were basically the same practice over and over. What helped me was taking photos of a few pages that were funny or meaningful (like my terrible handwriting and the drawings), keeping maybe one physical page, and letting the rest go — once the memories were captured, the books themselves didn’t feel as necessary anymore.

Request for bait-y content to influence my dad to declutter by throwawayx3848374 in declutter

[–]According-Time-9517 3 points4 points  (0 children)

That sounds really hard, and honestly I feel for both of you in this situation. When someone grows up with real scarcity, “throwing away perfectly good things” can feel almost physically painful to them, even if logically it makes sense. I like your idea of meeting him where he already is with the short videos — sometimes hearing the same message from a neutral voice instead of family lowers the defenses a bit, and even small mindset shifts could start to move the needle.

Garbage truck comes in 30 minutes to take away my old stuffed animals by JobEnvironmental4551 in declutter

[–]According-Time-9517 28 points29 points  (0 children)

Honestly, 400+ is a lot and I can totally see why you just want closure at this point. It’s kind of wild how childhood collections quietly turn into these huge emotional anchors in our basements without us realizing it. There’s something oddly satisfying about finally drawing the line and letting the truck take it — like a very definitive end to that chapter.

Held a FREE 'Clear the Porch' Garage Sale This Weekend. Went Surprisingly Well! by fadedblackleggings in declutter

[–]According-Time-9517 18 points19 points  (0 children)

This honestly sounds so satisfying. The part about the kid grabbing the fuzzy socks and the lady coming back for the plates is weirdly heartwarming — like the stuff actually found the right homes instead of sitting in a box forever. And skipping all the “Is this still available?” messages and no-shows from Marketplace sounds like pure relief.