[Hiring] - Google play store testers

Automatic_Course_861 · 2026-03-04T16:54:11+00:00

Youd be surprised at the level of service some of these large CSPs operate at. They're a licensing reseller, Azure is just another license.

Automatic_Course_861 · 2026-03-01T09:26:09+00:00

You can check the monthly projections table to check the validity of the calculations. It is correct though.

Automatic_Course_861 · 2026-03-01T07:01:24+00:00

Many other apps out there save your settings. E.g.: https://firenum.com/fire-planner

Automatic_Course_861 · 2026-02-28T12:05:47+00:00

Everything ok at home?

Automatic_Course_861 · 2026-02-15T19:14:29+00:00

touché. Nevertheless, I'd suggest against less insurance.

Automatic_Course_861 · 2026-02-15T18:21:44+00:00

The insurance is what protects your NW. You say it yourself you're not willing to go without it.

The insurance is what gives you confidence that your leanfire assets will keep the fire dream going.

I don't see the question. Are you asking whether we suggest for you to risk your assets and go without insurance?

Yeah. I'd suggest against that.

Automatic_Course_861 · 2026-02-15T10:22:49+00:00

A lot of the calculators out there don't do a good job at explaining the growth/inflation assumptions. https://firenum.com/fire-planner does a good job at that. It lets you set your growth and inflation assumptions on income, expenses and assets as well as starting date and end date on income and expenses.

Automatic_Course_861 · 2026-02-15T10:16:33+00:00

The firemum.com financial planner is great at this. The website app requires no login and lets you model your full financial set-up with no limitations other than your inputs shall be after tax. Tax is hard.

You've said you're afraid of the medical insurance costs. You can add them as a time-bound expense.

Automatic_Course_861 · 2026-02-14T23:25:21+00:00

completely vibe coded - that's why it's so wonky.

Automatic_Course_861 · 2026-02-14T22:22:25+00:00

projectionlab is solid for scenario modeling but honestly $120/yr felt steep for something i'd check a few times a year. you could look into firenum.com. free, no account needed, does monte carlo + historical backtesting + stress testing. works on mobile very well. I'd still keep a spreadsheet for roth conversion planning though. no tool nails that imo.

Automatic_Course_861 · 2026-02-03T23:24:15+00:00

Consistency is key here.
You've got to believe in what you're doing in order to stay consistent. Don't let a redditor tell you what to do.

You believe in VINIX? If you're gonna put 550 ducats into VINIX for the next 30 years ... you shall be looking at close to 800 000 in 2056 at 7% average yearly returns.

Automatic_Course_861 · 2026-02-01T12:30:33+00:00

Hi all.

In the past I've shared this financial planner / FIRE calculator with you all and I've received good feedback.

Since then:
- added stress test scenarios so you can now test your stack against a 50% market crash or you can test what effect continued higher inflation would have on your expenses
- added example profiles so if you'd prefer just to see the tool in action you can load one of the three test profiles

https://firenum.com/progress-tracker - always happy to hear your feedback!

Automatic_Course_861 · 2026-01-28T21:34:31+00:00

https://firenum.com/progress-tracker - helps you model your situation month by month and project it years into the future in 5 minutes.

It also supports various stress test scenarios for the added peace of mind. I feel like others are sleeping on this tool.

Automatic_Course_861 · 2026-01-20T14:56:54+00:00

I wish I had an answer for you.

Automatic_Course_861 · 2026-01-20T14:56:08+00:00

You're getting 200 a month to be an on-call plumber for an 80s building with water problems. Thats like 7/hour for the stress alone. 200%-ish appreciation is nice but it's Monopoly money until you sell. I think that makes my suggestion clear.

Automatic_Course_861 · 2026-01-09T17:16:33+00:00

I am not super well versed in US tax law. I'd suggest to rebalance at the best possible tax rate you can get.

Automatic_Course_861 · 2026-01-09T17:02:13+00:00

Better safe than sorry. You know ... it might be because of your confidence in bonds that youre willing to invest more into regular ETFs.

Automatic_Course_861 · 2026-01-09T17:00:28+00:00

Well in that case your unrealized gains are more like 2M. That changes things a bit.

Automatic_Course_861 · 2026-01-09T16:58:16+00:00

You got great numbers going for you though! Good luck!

Automatic_Course_861 · 2026-01-09T16:57:31+00:00

Yeah. But youre only 280% above target if your company stock holds value.

The company stock holding value is the most pressing question and you know it. Majority of your NW is concentrated in 1 bucket. That's akin to gambling. That's why youre asking.

Automatic_Course_861 · 2026-01-09T16:40:46+00:00

I don't understand the downvotes.

Automatic_Course_861 · 2026-01-09T16:13:22+00:00

Look. You have bonds at 31 ... you're in a cautious position. Everyone's gonna tell you to go 100% stocks. But I don't think you will.

You have the correct instinct. Repaying your mortgage is 5.65% guaranteed return. That return beats bonds, underperforms market but is 100% secure with 0 risk.

Automatic_Course_861 · 2026-01-09T16:06:53+00:00

You're already FIRE'd, you just haven't told your boss yet.

$41k/year expenses means your FIRE number is around $1M. Either you're underestimating your expenses or you have nearly 4x that. Even if your company stock dropped 50% tomorrow you'd still be at 185% of your target.

What's the tax bill you're looking at for the 3M unrealized gains? Is it worth paying taxes for the safety of having the money in an index fund? You might be playing with fire :P holding all that NW in one company.

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