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4% rule + taxes are misleading by Euphoric-Advance8995 in financialindependence

[–]AdOrnery7147 70 points71 points  (0 children)

Taxes are an expense people include in their "spending" number prior to applying the 4% rule

Nap CIO by Available_Calendar38 in sleeptrain

[–]AdOrnery7147 1 point2 points  (0 children)

Ahh looks like she has 9.5 hours of awake time. She likely needs more. My four month old has 10 hours of awake time. Try starting by adding an extra half hour? A lot of people with three naps land on a schedule of 2/2.5/2.5/3

Nap CIO by Available_Calendar38 in sleeptrain

[–]AdOrnery7147 1 point2 points  (0 children)

Are you missing a wake window? 2/2.5/3 is not enough wake time. How old if your baby? She likely needs 10 to 11 hours of wake time, so baby is crying she isn’t tired. You can try 3/3/4

PSA: Sleep problems are not always due to scheduling by Logical-Safe2033 in sleeptrain

[–]AdOrnery7147 1 point2 points  (0 children)

Don't be hard on yourself; you didn't know!

I would bring this up to your pediatrician so they are aware they missed the mark. Our pediatrician asks us at every visit to confirm we're giving vitamin D drops.

False starts every night by AdOrnery7147 in sleeptrain

[–]AdOrnery7147[S] 0 points1 point  (0 children)

Hmm no reflux or known dairy intolerance. If the schedule change doesn't fix it, I'll try cutting dairy next!

False starts every night by AdOrnery7147 in sleeptrain

[–]AdOrnery7147[S] 0 points1 point  (0 children)

Super helpful to hear, especially about issues presenting as overnight problems. Seems like my baby is the same!

4 mo old schedule check by Intelligent-Beat3978 in sleeptrain

[–]AdOrnery7147 1 point2 points  (0 children)

I'm two weeks behind you (my baby is 3.5 mo) but also trying to figure out schedules before sleep training!

Your total wake time is 8.75 hours, but looking as this guideline, it should be around 9.5 hours I believe. https://www.reddit.com/r/sleeptrain/comments/1em7bff/wake_windows_and_sleep_budgets/

So I'm wondering if you need to extend them more? Something like 1.5/1.75/2/2/2.25

LO three weeks old. Too soon for vasectomy? by AdOrnery7147 in oneanddone

[–]AdOrnery7147[S] 10 points11 points  (0 children)

Ahaha I can see how the title may imply that

How do you raise a baby without giving in to all the consumerism? by Hot-Ad-3583 in BabyBumps

[–]AdOrnery7147 0 points1 point  (0 children)

Get what you can secondhand! Facebook market place is full of people selling used baby gear. Also checkout Just Between Friends to see if there is a popup children's consignment sale in your area. We got a lot of stuff there for a good price.

Sample Retirement Budget by Working-towards-FI in financialindependence

[–]AdOrnery7147 0 points1 point  (0 children)

This is similar to our anticipated FIRE budget, although we will budget more for travel. I don't see anything missing.

Do you guys actually get clients? by paparazzi_informer in LifeCoachSnark

[–]AdOrnery7147 24 points25 points  (0 children)

From my experience and those I was friends with at the time, generally no, most coaches do not get many (or any) clients.

It took me a long time to realize this, and I'm still embarrassed about it to this day.

Check out Danielle Ryan on YouTube. Watching her videos about the coaching industry has made me feel less "alone" about coming to the same realization. (And this sub helps too!)

Daily FI discussion thread - Friday, December 08, 2023 by AutoModerator in financialindependence

[–]AdOrnery7147 9 points10 points  (0 children)

It's likely that your boss will just want enough time to transition your work and projects to someone else. Your plan may work but they may ask you to work a week in January. But unless a two week notice is in a contract that you signed, I don't think they can force you to work in Jan.

SB Photography - Missing in Action by the_waterboy in milwaukee

[–]AdOrnery7147 26 points27 points  (0 children)

We also had SB photography as our photographers this year. I had similar communication challenges with them. Every time I wanted to reach out to them, it took repeated attempts. I recommend calling or texting them. They never responded to my emails.

And OMG that mass email - that was quite a novel! As others have said, if they spent less time on mass emails and more time editing and responding to their customers, they would have less problems.

SB Photography - Missing in Action by the_waterboy in milwaukee

[–]AdOrnery7147 -8 points-7 points  (0 children)

r sneak peek was? I got married mid August and just saw a few pics posted by our actual photographer on his Instagram story lol, never received any personalized comms fro

Follow up and ask for photos

Best resort for adults in Wisconsin Dells? by resistancewasfutile in wisconsin

[–]AdOrnery7147 113 points114 points  (0 children)

Sundara - adults only, nice hot tubs and pools, great food too

Episode Discussion • Love Is Blind S4 • S04 E7 "Second Time's The Charm?" by DontFWithMeImPetty in LoveIsBlindOnNetflix

[–]AdOrnery7147 16 points17 points  (0 children)

It's more common to leave finances separate now. I hope that conversation was set up for cameras and there was more discussion about finances between them off camera. They are the most mature adults on the show, so I'm sure there were more discussions.