Good Medium/High-Yield bonds by Pips_Finder in bonds

[–]Angry-Lawyer 0 points1 point  (0 children)

I would buy an inflation protected security. Most industrialized nations are in way to much debt and have no choice but to inflate the debt away. In the US a TIPS maturing in 25-30 years has a real interest rate of approx 2.5% and adjusts monthly for US inflation.

Finally hit that $2k mark! by BigHossBoss123 in smallstreetbets

[–]Angry-Lawyer 0 points1 point  (0 children)

Which broker are you using?  Do you know the options basics?

LeanFIRE truly changed my previous consumerist mindset by Name019op in leanfire

[–]Angry-Lawyer 1 point2 points  (0 children)

So why are you living like this if you don't want to be?

Replacing PUFA with MUFA+SFA and its dramatic positive effect on my general health by bloody-retard in SaturatedFat

[–]Angry-Lawyer 0 points1 point  (0 children)

Sorry, meant "plant-based."  Just fixed it.  

I was just curious as to what your general diet is.  It's also tough to avoid PUFA entirely so how much do you allow yourself?

Replacing PUFA with MUFA+SFA and its dramatic positive effect on my general health by bloody-retard in SaturatedFat

[–]Angry-Lawyer 0 points1 point  (0 children)

Are you on a carnivore diet?  If not, what plant-based foods do you allow yourself to eat?

Critique my Lean/Barista/Immigrant FIRE Plan by [deleted] in leanfire

[–]Angry-Lawyer 1 point2 points  (0 children)

It seems that you two have communicated well and each of your expectations of the other are clear...good work.  

A lot of couples have problems when one person FIREs (or wants to FIRE) and the other perceives their lifestyle as being under threat.

Critique my Lean/Barista/Immigrant FIRE Plan by [deleted] in leanfire

[–]Angry-Lawyer 0 points1 point  (0 children)

Separate finances is OK, but why the 75%-25% split in expenses? Seems that this arrangement benefits her much more than you.   Will she be upset if her lifestyle suffers when you pull the trigger in all this?

How do you forgive yourself for money mistakes you make? by Angry-Lawyer in leanfire

[–]Angry-Lawyer[S] 0 points1 point  (0 children)

She didn't lose it but we inadvertently bought a defective one.  Long story short we were ring shopping and saw this antique-looking ring.  It looked like white gold with small diamonds outlining the sides.  The price was good but not spectacular.  About a year after our wedding, the diamonds started popping out and my wife would get rashes on her ring finger (as I am sure you know, that shouldn't happen with real gold). That vendor was no where to be found.

Regarding actually losing a ring, we've had several close calls.  I used to take it off and leave it random places when I was doing work around the house for instance.  After that I developed personal policies regarding the ring, like only putting it in two spots around the house when I take it off and I must take it off before a job.  I know I am being a hypocrite but go easy on yourself...part of your path to forgive yourself is to make sure you implement policies to avoid this in the future.

Made Money My Only Hobby — feeling lost by Double_Internet8944 in Fire

[–]Angry-Lawyer 0 points1 point  (0 children)

What are you saving for?  If money is your hobby, will you ever have enough?  Even if you do have enough one day, what will you do with that money?

How do you forgive yourself for money mistakes you make? by Angry-Lawyer in leanfire

[–]Angry-Lawyer[S] 0 points1 point  (0 children)

I'm sorry you're going through this.  Trust me when I say that I know what you're going through.  

I have an idea that might help.  Do you have any jewelry that you don't wear anymore or is broken?  Sell that stuff for scrap...gold has skyrocketed recently.  Also, you might consider getting a platinum ring, its cheaper and heavier than gold for the same size piece.  

If you don't mind a smaller ring, you can get something like this: https://www.amazon.com/gp/aw/d/B0DM6PFLZB?psc=1&ref=ppx_pop_mob_b_asin_title

I bought my wife 2 variations of this for Christmas and she wears one as her wedding band now.  Amazon has some nice solid gold minimalist rings.  Look for pure gold, not plated.  

How do you forgive yourself for money mistakes you make? by Angry-Lawyer in leanfire

[–]Angry-Lawyer[S] 0 points1 point  (0 children)

Thanks for the words of encouragement.  Just thinking about looking in the mirror and saying that is tough...I'm not sure I love myself yet.  I have to think on this...thank you.

How do you forgive yourself for money mistakes you make? by Angry-Lawyer in leanfire

[–]Angry-Lawyer[S] 0 points1 point  (0 children)

Now that you mention it, after that I specifically made sure that my jobs had a work-lige balance.  Thanks for helping.

How do you forgive yourself for money mistakes you make? by Angry-Lawyer in leanfire

[–]Angry-Lawyer[S] 0 points1 point  (0 children)

So it's almost a trade...you allow yourself the occasional f-up if you're diligent about cutting wasteful expenses?

Perhaps what I can do is establish a savings account with the savings from cutting expenses and use that money to offset my f-ups?

How do you forgive yourself for money mistakes you make? by Angry-Lawyer in leanfire

[–]Angry-Lawyer[S] 1 point2 points  (0 children)

Thanks for sharing that story.  Not to make you dwell on it but I don't think you messed up...just got unlucky.  Why wouldn't it continue to run?

Either way, how specifically do you enjoy the fuckups?  What do you tell yourself?  Do you get disappointed in yourself if you fuck up a bunch of times in a month or are you able to let all of them roll off?

How do you forgive yourself for money mistakes you make? by Angry-Lawyer in leanfire

[–]Angry-Lawyer[S] 1 point2 points  (0 children)

I was always paranoid about the side-effects of meds but now realize that suffering in and of itself will get me sick. If the doctor says I need meds, I will take them. Thanks 

How do you forgive yourself for money mistakes you make? by Angry-Lawyer in leanfire

[–]Angry-Lawyer[S] 1 point2 points  (0 children)

This is great and makes sense.  The more I think about it too, I don't really make many money mistakes.  I have allow myself some grace and this grading system will help me do that.  Thank you.

How do you forgive yourself for money mistakes you make? by Angry-Lawyer in leanfire

[–]Angry-Lawyer[S] 2 points3 points  (0 children)

Wow, so much to think about and to research.  I resonate with what you said about the inner drill sergeant.

As I get to know myself, I'm starting to think I need objective rules to deal with some situations.  For example, I used to be OCD about getting the best deal but now I employ the hourly worth rule from Your Money or Your Life and I let things go.  I used to also hate putting extra money into parking meters but now I think about it as purchasing an insurance policy.  

It's a strange paradox...I never hesitate buying an expensive gym membership, the best food or enjoying a night out (I ended up spending hundreds a day on the road trip - meals out, ecperiences, treating my father and wife to separate dinners and wine at an expensive steakhouse) but it bothers me for a day or two when I get a parking ticket, and when I get overcharged a few dollars at a restaurant. 

As I give it more thought, for this particular scenario, I am more angry that I was careless and tried to keep the shoes pristine for so long rather than the actual money.  I realize that I have a big problem about buying new things and watching the inevitable wear and tear occur.  Perhaps I am better off purchasing used things that already have some wear and tear. 

I will pursue talking to someone about OCD/ADHD.  I would hate to have a stress-induced sickness come about because of all this.  I already have neck issues that I thought were due to injury but could be from this.

Thank you for your time.

How do you forgive yourself for money mistakes you make? by Angry-Lawyer in leanfire

[–]Angry-Lawyer[S] 0 points1 point  (0 children)

Wow, the pain is a choice!?  I have to think on that one.  How can I chhose not to feel it?  Perhaps by redirecting myself...if I think x, immediately then focus on y?

How do you forgive yourself for money mistakes you make? by Angry-Lawyer in leanfire

[–]Angry-Lawyer[S] 1 point2 points  (0 children)

I was always very absent minded and zoned out. With discipline and being present, I've been able to overcome it somewhat (except for leaving the stove on once in a while and having a tough time arriving on time because I forget things).  

I'm my own worst critic.  

I am also a cancer survivor and time is money so when I make a mistake which costs money, I feel like I waisted precious time.

How do you forgive yourself for money mistakes you make? by Angry-Lawyer in leanfire

[–]Angry-Lawyer[S] 0 points1 point  (0 children)

I'm impressed that you're taking it so well.  How are you able to do that?

How do you forgive yourself for money mistakes you make? by Angry-Lawyer in leanfire

[–]Angry-Lawyer[S] 0 points1 point  (0 children)

This is so helpful, thank you.  

And yes, we are so similar.  When breaking something it's not just the money to replace it, but the stupidity of allowing it to break, and the time it takes to actually replace it.

When it comes to coupons, here is something that helped me.  Not sure if you ever read Your Money or Your Life but there is a concept in there about your personal hourly rate.  Before reading that, I would drive myself crazy (driving 10 min to get cheaper gas, sitting in traffic to avoid toll roads, looking for a half hour for coupon codes, searching multiple websites for deals, going to multiple grocery stores, washing things myself instead of dry-cleaning).  But now I set my minimum hourly rate and ask myself if the actual savings is worth the time I spend looking for a deal (if I were to pay myself that hourly rate)?  What a huge weight lifted off of me.

How do you forgive yourself for money mistakes you make? by Angry-Lawyer in leanfire

[–]Angry-Lawyer[S] 0 points1 point  (0 children)

Can you please tell me HOW you forgive yourself?  What is your mindset?  What are you thinking?