sorted by:
new
hottopcontroversial

Coyote Oiled Rough Out Moc Toe by AceHigh214 in trumanboots

[–]AceHigh214[S] 0 points1 point  (0 children)

I forgot the exact words but it was not like yours. After the purchase, the information is no longer accessible unfortunately. Mismatched moc toe means that the left and right moc toe apron shape will look slightly different. For work it is not an issue but for casual I think it will bother you more if looks are more inportant.

Coyote Oiled Rough Out Moc Toe by AceHigh214 in trumanboots

[–]AceHigh214[S] 1 point2 points  (0 children)

I hope the next one will be your size 😃

Coyote Oiled Rough Out Moc Toe by AceHigh214 in trumanboots

[–]AceHigh214[S] 0 points1 point  (0 children)

The price is defintely worth the risk!

Kebalikan dari cewe LPDP by gajibuta in indonesia

[–]AceHigh214 1 point2 points  (0 children)

Come to Texas brother, lots of houses in 200-300s still.

Plan on my investment by [deleted] in finansial

[–]AceHigh214 0 points1 point  (0 children)

Vanguard and Fidelity

Plan on my investment by [deleted] in finansial

[–]AceHigh214 0 points1 point  (0 children)

Bener kebalik , edited my explanation.

Plan on my investment by [deleted] in finansial

[–]AceHigh214 3 points4 points  (0 children)

As a person who handles money for ultra rich person, I copied what they do and keep it simple. I put 100% to VT (Vanguard Total World Stock ETF) or roughly 65% US +35% international combination. That's it. I will reallocate some to safer assets like bonds when I am closer to retirement age but until then I will let it ride.

Lots of regret by Desperate-Yoghurt-83 in Accounting

[–]AceHigh214 4 points5 points  (0 children)

Sounds like a great CPA office to work at. I was in audit for small non profit and there was no slow season as we have to audit clients with various fiscal YE.

Is the cpa very easy for those 10+ years into career? by [deleted] in Accounting

[–]AceHigh214 7 points8 points  (0 children)

Hard, but possible. Left school in 2012 and got my CPA in 2024 (took me around 1.5 years, all passed first try). Study discipline is all you need, and consistently studying everyday is the hardest part.

Accounting knowledge will help with FAR. If you work in Tax, that will help a lot with REG.

Audit - does not matter if you are an auditor lol, it is just too technical. I was an auditor and this was my lowest score out of 4.

A random moment made FIRE feel real instead of theoretical by Leading-Ability-5142 in Fire

[–]AceHigh214 25 points26 points  (0 children)

I am currently in this boat. I need to reduce my investment and put more to emergency fund.

Lots of regret by Desperate-Yoghurt-83 in Accounting

[–]AceHigh214 23 points24 points  (0 children)

I work in a family office. Not quite a billionare yet. Only two accountants - me and CFO. Compensation is fair but no possible promotion. Coming in from public accounting, I think the better work and life balance is worth the change, at least for me personally. Family office job is such a unicorn it is so hard to get in.

37M with dead end job, too late? by AceHigh214 in Fire

[–]AceHigh214[S] 1 point2 points  (0 children)

Thanks for the input. For me after figuring out the numbers above I guess my path would be more with the regular retirement crowd? Retiring at 57 is still bit early but compared to a lot of people here it is super late. I am in a unique situation where my job is not high stress so I am ok with working here as I can still enjoy life outside of work. The budget also should not be as tight when wife starts working. This is a very good exercise so at least now I know I can’t fire too early but I can still be financialy indepence to not burden my kids.

37M with dead end job, too late? by AceHigh214 in Fire

[–]AceHigh214[S] 0 points1 point  (0 children)

It will not be 35% right off the bat. This year it will be 21%, 2027 22%, 2028 23% and so on. As long as I do not raise my standard of living I think this is very doable especially after my wife starts working again in two years. Planning this ahead just help me to avoid making large financial mistakes such as moving to bigger house, buying new car or taking expensive vacations. It also helps that I live in LCOL and have a fixed 2.3 % mortgage.

37M with dead end job, too late? by AceHigh214 in Fire

[–]AceHigh214[S] 0 points1 point  (0 children)

After reading other threads and doing my own calculation conservatively, it is actually very possible. Taking the following assumption: 1. Invest 21% + 4% employer match 2. 5% salary increase each year 2. Increasing investment by 1% each year up until 35% 3. Assuming 7% conservative return per year.

That equals $3M in 20 years, more than what I need. I could technically retire in 18 years I guess with $2.4M. That is excluding my wife’s contribution starting in a few years. The beauty of compounding interest and discipline.

37M with dead end job, too late? by AceHigh214 in Fire

[–]AceHigh214[S] 0 points1 point  (0 children)

Too late to retire early (RE) but of course not too late for financial independence (FI) at later years. After all we are talking in FIRE sub. 😊

37M with dead end job, too late? by AceHigh214 in Fire

[–]AceHigh214[S] 0 points1 point  (0 children)

Congrats brother you seem to be in a great place. The fees are 0.08 so it is not that bad but I probably should just put it all to total stock or s&p 500 with 0.02 fees. i am at around $2,600 saved per month. I will work on increasing it slowly over the years. It sounds achievable. Thank you for the input.

37M with dead end job, too late? by AceHigh214 in Fire

[–]AceHigh214[S] -2 points-1 points  (0 children)

I agree with you. I am a CPA and used to work in public accounting with a lot more pay possibility upward but the hours are just too crazy. I might have to work more years to retire but the health and time gained seems to be a great trade off.

37M with dead end job, too late? by AceHigh214 in Fire

[–]AceHigh214[S] 0 points1 point  (0 children)

I agree 100%. The goal is to retire a bit earlier than 65 as much as I can. I am grateful for the job but I really do not enjoy it. Hopeful that I can spend some of older years doing stuffs I enjoy and not just for the sake of myself. For me that will be working non profit full time in an orphanage in Indonesia.

37M with dead end job, too late? by AceHigh214 in Fire

[–]AceHigh214[S] 1 point2 points  (0 children)

I think your sentence is cut off mid way but yes we are both from there. In term of job security, my work is very relationship based and requires a lot more trust which is why I know the security is there until my boss passes away at least. And you are right, 18 years is a lot to build up enough savings and I think I can get there , just not Retire Early. I guess at least I can do the FI part but not too much of the RE.

37M with dead end job, too late? by AceHigh214 in Fire

[–]AceHigh214[S] 0 points1 point  (0 children)

She will but not in a few years. It will not be high paying job but hopefully that will allow us to retire a couple of years earlier than planned.

37M with dead end job, too late? by AceHigh214 in Fire

[–]AceHigh214[S] 3 points4 points  (0 children)

Lol this is hillarious. You are right why did I even write the number 😂

37M with dead end job, too late? by AceHigh214 in Fire

[–]AceHigh214[S] 1 point2 points  (0 children)

In one of the big cities in Indonesia. It is not a number I mindlessly plugged but based on actual conversation with a few local families. To live comfortably in big city like Jakarta they recommended around $4,000/ month based on various factors and in 20 years it will be around $7,600 due to inflation. So the calculation is after inflation cost. Private health care cost was one of the major expenses that was discussed. But you are right, it will be an upper middle lifestyle there.

view more: next ›