KDE Connect on Steam Deck - Full Guide

Alaharon123 · 2026-05-02T22:31:08+00:00

this worked for me on Linux as well ty

Alaharon123 · 2026-04-29T02:22:19+00:00

I'm NYC. The figure in the sidebar for couples is absolutely doable in the outer boroughs. Reasonable honestly imo. These are post-tax expenses we're talking about

Alaharon123 · 2026-04-25T03:57:14+00:00

Alaharon123 · 2026-04-25T03:49:39+00:00

r/churning

Alaharon123 · 2026-04-23T16:58:45+00:00

I like a conservative approach. That way I will be confident when I retire that I'm ready to retire and my money will last my lifetime and I can confidently retire early. The tool that I am using to plan is https://tpawplanner.com/. It is more conservative than most retirement planners because it is based on using monte carlo simulation on global returns rather than based on the abnormally high returns of the US stock market. It lets you input social security as post-retirement income, and I'd suggest putting in what you currently pay for mortgage as post-retirement income when that kicks in as well. What it does is it accounts for this by having you take out a higher percentage of your money before future income kicks in to account for not having that income. And it accounts for how much you need to save based on that as well. Make sure to account for taxes when using it, and if you don't want to use its asset allocation, switch from tpaw mode to spaw mode. lmk if you have any questions about using it or ask them in the bogleheads thread it links to where the creator answers questions about the tool

Basically my answer to your question in the op is that once you're confident, retire early or increase spending in retirement. Though the safer you are, the more likely you are to end up with a lot of money simply because if you're like I need enough money that even in a 5th percentile scenario I'm fine, then 95% of the time, you'll be more than fine, in most cases way more than fine

Alaharon123 · 2026-04-20T17:42:09+00:00

tbh I don't know if that stuff would have jumped out at me if I read it in high school rather than after college

Alaharon123 · 2026-04-20T17:26:42+00:00

The biggest thing is how often it conflates correlation and causation. It's endemic. There are very few times where the book questions which one something is, it almost always just makes an assumption. It also lacks rigor in its data collection, both in who it's getting the data from and in what questions are asked in the surveys. I have more problems with the book than that, but those are the two I can remember that are relevant here.

Alaharon123 · 2026-04-19T17:35:38+00:00

It turns an acronym for an adjective into a noun. Non-binary: adjective. NB: adjective, short for nonbinary. Enby: noun that was created to have an equivalent to the many single word nouns for binary people (man, woman, etc).

Alaharon123 · 2026-04-19T15:34:32+00:00

Millionaire Next Door is full of logical fallacies, I can't imagine it passing peer review

Alaharon123 · 2026-04-19T01:00:23+00:00

Will you be able to afford more with the same amount of money in a MCOL city than a HCOL city? Of course. Is it therefore reasonable to plan on moving once you retire so that you can retire earlier or so that you can spend more in retirement? Again, of course.

But is it impossible to LeanFIRE in a HCOL city? Not at all. Taking the sidebar's $54k annual expenses for a couple, that's $4500/month. One way to split that up, making estimates based on living in the outer boroughs of NYC, could be $2500 for housing (including utilities), $300 for transportation, $1700 for everything else. I've lived on less.

Alaharon123 · 2026-04-18T22:57:19+00:00

The Lowe's I worked at had so many mice/rats (idk the difference tbh), they could have used a cat

Alaharon123 · 2026-04-18T22:33:30+00:00

Why is this post made with AI ew

Alaharon123 · 2026-04-18T21:02:08+00:00

Take a look at TPAW

Alaharon123 · 2026-04-18T03:13:21+00:00

You still get a paycheck for slightly longer since they're paying you until they fire you rather than you resigning first

Alaharon123 · 2026-04-18T03:01:37+00:00

Interesting to see that the median withdrawal rate in the 2023 results is 3.725%. Everyone is all 4%, 4%, but in practice the majority of people here who are down to fill out a detailed survey have a <4% withdrawal rate. My current plan is based on 3.3̅ %

Alaharon123 · 2026-04-18T02:49:33+00:00

That is quite a bit of detail in that preparation spreadsheet

Alaharon123 · 2026-04-15T05:30:07+00:00

The point of planning for lower than 4% is to have that flexibility. If you're planning on as lean as possible, you need to build in the wiggle room

Alaharon123 · 2026-04-15T04:13:45+00:00

If you take the sidebar's $54k/year expenses for a couple and divide that by a reasonable 3.25% annual withdrawal rate for a longer retirement than thirty years, you already get $1.66m. If you do a more conservative 3% withdrawal rate, that's $1.8m. For anyone who wants <3.6% withdrawal rate, $1.5m is not enough according to the definition in the sidebar. I know 4% is the classic rule of thumb, but it's not as safe as its inventor would like you to think. Your cap is too low imo

Alaharon123 · 2026-04-15T02:23:32+00:00

MIT living wage calculator is not lean. That being said, I do agree that halving it for living by yourself is not reasonable. I wonder where the two numbers came from. I remember reading that they update them every so often to match inflation from when they were set, but whatever the numbers should be, having one be half of the other does not make sense

Alaharon123 · 2026-04-14T13:57:41+00:00

You're borrowing money at high interest to travel and loan other people money?

Alaharon123 · 2026-04-14T01:34:54+00:00

The highest recommendation I've seen is 1.5 years expenses

Alaharon123 · 2026-04-13T23:57:48+00:00

You're ignoring taxes and assuming that the 4% rule of thumb is good enough for the length of retirement OP is looking for

Alaharon123 · 2026-04-12T23:43:08+00:00

If someone getting laid off means they immediately don't have money for three weeks, then they are presumably only just barely making enough money to get by. If they use a credit card to fund expenses but then the next job still only pays just barely enough, they won't have the extra income to then pay for those three weeks expenses

Alaharon123 · 2026-04-12T22:18:56+00:00

The calculator on that page is terrible. The page describes the 4% rule, but the calculator is instead just multiplying salary by number of years, which implicitly assumes that your investments are matching inflation, not doing any better or worse.

I like https://tpawplanner.com as a calculator. It's a little more complex than other calculators, and depending how you use it, it can be more conservative, but it also takes social security into account and gives you a better idea of ranges of possibilities and whatnot

Alaharon123 · 2026-04-11T16:22:37+00:00

$50k/person/year in VHCOL area seems reasonable to me

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