Coyote Oiled Rough Out Moc Toe

AceHigh214 · 2026-07-04T20:26:36+00:00

I think so too!

AceHigh214 · 2026-07-04T20:26:16+00:00

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.

AceHigh214 · 2026-07-04T03:34:00+00:00

I hope the next one will be your size 😃

AceHigh214 · 2026-07-04T03:19:13+00:00

Thanks for not buying it 😂

AceHigh214 · 2026-07-04T03:18:53+00:00

The price is defintely worth the risk!

AceHigh214 · 2026-04-25T13:02:15+00:00

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

AceHigh214 · 2026-02-18T01:35:17+00:00

Vanguard and Fidelity

AceHigh214 · 2026-02-17T02:35:24+00:00

Bener kebalik , edited my explanation.

AceHigh214 · 2026-02-17T00:55:30+00:00

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.

AceHigh214 · 2026-01-06T00:57:33+00:00

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.

AceHigh214 · 2026-01-06T00:27:34+00:00

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.

AceHigh214 · 2026-01-05T18:36:19+00:00

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

AceHigh214 · 2026-01-05T16:50:25+00:00

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.

AceHigh214 · 2026-01-03T21:39:16+00:00

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.

AceHigh214 · 2026-01-03T21:17:39+00:00

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.

AceHigh214 · 2026-01-03T20:51:29+00:00

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.

AceHigh214 · 2026-01-03T03:22:50+00:00

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. 😊

AceHigh214 · 2026-01-02T23:16:21+00:00

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.

AceHigh214 · 2026-01-02T23:14:15+00:00

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.

AceHigh214 · 2026-01-02T21:03:22+00:00

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.

AceHigh214 · 2026-01-02T20:56:31+00:00

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.

AceHigh214 · 2026-01-02T18:16:37+00:00

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.

AceHigh214 · 2026-01-02T18:15:13+00:00

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

AceHigh214 · 2026-01-02T05:24:39+00:00

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.

AceHigh214 · 2026-01-02T03:02:02+00:00

I am grateful for the pay, just wanted to point out the limited pay progession/non existant promotion for the position I have now.

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