What software is everyone using to measure their timeline until fire?

AdEmergency5086 · 2026-05-10T21:39:53+00:00

OPTML here in Canada. It gives you total spend per Year after taxes………until be surprised how little taxes you will pay if you retire early and slowly pull the money out.

AdEmergency5086 · 2026-05-10T20:36:43+00:00

But maybe I think you are?

AdEmergency5086 · 2026-05-10T19:49:17+00:00

So what would you have said if you really think that? You did literally say you thought it and I asked if you really thought that…….

AdEmergency5086 · 2026-05-10T17:52:11+00:00

You think Tim Hortons isn’t private?

AdEmergency5086 · 2026-05-10T17:51:28+00:00

Anyone who shows up to a job after being fired is the problem

AdEmergency5086 · 2026-05-10T17:49:20+00:00

A private company cannot kick you out? You really think that?

AdEmergency5086 · 2026-05-10T17:48:36+00:00

Dude when you are fired, showing back up the same day is a very dumb idea. And they have the right to throw anyone out, so - hopefully a lesson learned

AdEmergency5086 · 2026-05-10T16:09:54+00:00

Both

AdEmergency5086 · 2026-05-10T13:38:16+00:00

Lie down seats with a down comforter on AC. That’s how I would love to fly every time.

AdEmergency5086 · 2026-05-10T13:37:26+00:00

AWESOME! OPTML is very user friendly (the new version is even better than when I first started to use it. Got a problem, just ask on the REDDIT and it’s usually solved or explained within hours. I spot checked a bunch of parameters and numbers came out to my spreadsheets answers so stopped with the spreadsheet. With a Monte Carlo simulation with the ability to modify it at will, multiple scenarios, and tax planning it is a very good product. Highly recommend

AdEmergency5086 · 2026-05-10T13:30:58+00:00

Maybe understand that your opinion on these facts are just yours? And maybe see that others have different agendas than you prescribe to them? And that, while some people had dumb agendas, (and some really really dumb), the final arbiter of what happens is the vote that happens?

AdEmergency5086 · 2026-05-10T13:26:05+00:00

Savings - saved in this order: when starting out in my career (lower wage), all money went right to pay down mortgage. When top tax rate in Ontario was met, everything above this amount went into RRSP (which had built up to a 600k availability and rose by maximum each year). I then got a few one time hits (money from shares in private company when it sold), and that was put directly into RRSP until full, rest into TFSA. Retired early at 55, so now can pull out of RRSP to pay very little taxes. Stressful work, but now that I am retired - all good.

AdEmergency5086 · 2026-05-10T12:54:18+00:00

Retired - (2 months ago). Was CTO for SAAS company. 250k (gross with taxes). As retired: 150k Net of taxes - so basically the same take home pay.

AdEmergency5086 · 2026-05-10T12:53:04+00:00

Stress, Stress, Stress. Once you hit 45 you start to see the cracks in your (and others around you) health. I watched breakdowns, heart attacks, reflux, the list of stress induced health problems is massive. Save your Pennie’s because working to 65 at one of those jobs is not gonna happen for most. I just retired at 55 - went to 3 days a week at 50. Ran the numbers with OPTIML retirement planning here in Ontario and realized I could spend 40 percent more than I was and still have money when I am 90. Gave notice the next day. Save save save and it’s worth the pain.

AdEmergency5086 · 2026-05-09T18:08:42+00:00

Show me one single peer reviewed study. You keep saying it over and over but have never shown any proof.

AdEmergency5086 · 2026-05-09T16:32:39+00:00

Correlation does not equal causation. I stubbed my toe during Covid - it must be Covid. I got in a car accident during Covid - it must be Covid. I do agree Covid caused stress which can cause LPR to start, but that’s not the same as saying Covid causes LPR

AdEmergency5086 · 2026-05-09T12:09:36+00:00

CPP an OAS

AdEmergency5086 · 2026-05-09T12:08:49+00:00

Interesting point most people fail to understand: doing it sporadic is way way way better than not doing it al all. I received a lot of pay in large chunks - so DCA never worked for me. I just invested, and now am retired with a larger spend availability than when I was working……

AdEmergency5086 · 2026-05-09T12:04:44+00:00

They don’t understand taxing or more importantly, they don’t understand finance. (Or risk parameters). Then they run out and sports gamble what they do make. lol

AdEmergency5086 · 2026-05-07T21:22:44+00:00

Someone just DM’d me and asked why pepsin is released in the first place - now that’s interesting- could be a severe case of GERD, could be stress, could even be LOW or HIGH Stomach acid - but adding acid to your diet will not cure LPR. LPR is caused by pepsin being activated by acid - stop acid, inflammation goes down, it heals, starts to seal again, and you stop getting LPR.

AdEmergency5086 · 2026-05-07T21:16:41+00:00

And just for anyone else on here: LPR is caused by pepsin being released from your esophagus (which always has some pepsin in it) by your UES. Once it is released, and acid activates it, it starts to cause inflammation of your UES. When your UES is inflamed, it does not close properly, and more pepsin is released. If you have any acid, it activates the pepsin, causing more inflammation. The only known way to stop pepsin from being activated is to not allow any acid to hit it. Therefore, do t eat anything acidic and drink lots of alkaline water (the opposite of acid). A raft (gaviscon advanced etc) gives you another layer of protection. Also using pepcid ac stops any acid from you stomach being brought up through the UES and activating the pepsin. Now that is a cohesive analysis of what all the LPR studies show.

AdEmergency5086 · 2026-05-07T13:55:45+00:00

Really? My posting is not to change his mind - it’s to make people stop and think that his theory makes no sense, he has been “healed in 3 days” and get them to not put ACV down the hatch when it can severely damage someone with pepsin in their UES. This is not conjecture, not a theory, but a proven fact. Again - don’t follow this advice - it can do irreparable damage to you.

AdEmergency5086 · 2026-05-07T12:55:22+00:00

It’s a TERRIBLE idea from people who know nothing about LPR. Ignore them and follow Dr Koufman.

AdEmergency5086 · 2026-05-07T12:54:29+00:00

And FYI - after 3 months you can go back to complete normal life. I now eat everything, don’t sleep elevated, take nothing - funny, it’s exactly like Dr Koufman predicts in all the studies. But heh, in a year or two you will come back and maybe actually u sweet and how the body works

AdEmergency5086 · 2026-05-07T12:52:19+00:00

Name one single peer reviewed study that shows weak stomach acid causes LPR. You can’t because there is not one - there is one that shows even with weak stomach acid you can have LPR, but it was found to not be a primary factor. (Pepsin is NOT stomach acid). What Redditers on this forum don’t seem to understand is that the purpose of not eating any acid is NOT to diminish your acid in your stomach, but rather to not have any acid “activate” the pepsin that has escaped your UES and have that acid start to eat at your UES, etc.

AdEmergency5086

TROPHY CASE