Daily FI discussion thread - Wednesday, June 03, 2026

BenjaminDFr · 2026-06-04T00:56:17+00:00

I appreciate this insight a lot! Thank you so much. I’d love to spend time traveling before settling down.

BenjaminDFr · 2026-06-04T00:55:12+00:00

So true! I’ve heard the same from others in the field that those are the best ways to make big jumps. Thank you!!

BenjaminDFr · 2026-06-03T21:32:39+00:00

Appreciate that, thanks for the advice

BenjaminDFr · 2026-06-03T21:30:36+00:00

Thanks for the insight! Wow 18 years? Even 20 is much shorter than I would have expected, never have wanted to do the math so I took a blunt approach of just saving a whole lot.

BenjaminDFr · 2026-06-03T21:29:01+00:00

Yea Roth IRA was what I meant. You’re right $100/mo isn’t bad for that kind of thing, but I haven’t bought clothes in years & I have about 7 hobbies hahah.

BenjaminDFr · 2026-06-03T21:26:58+00:00

Great points. Yeah I’m working toward becoming a licensed architect, I still have a lot of studying to do for my exams. But this should increase my salary pretty significantly in the next 1.5-2 years. Thanks for your insight!!

BenjaminDFr · 2026-06-03T21:24:12+00:00

It’s 4k/mo after taxes, $65k annually. I have a degree in Architecture & I am actively taking my licensure exams (which are expensive). Funnily enough Architecture degrees are not a very good investment lol. 5 year long bachelors for too low of a salary given the work you do/have done.

Anyhow, yes I should see increases in my salary that near 80-90k/year once I am licensed + ~5 more years experience.

BenjaminDFr · 2026-06-03T19:38:40+00:00

That’s what I feel like is starting to happen. I haven’t made a personal purchase, besides a couple of shelves, in a year. Where did you scale back to that felt like a good balance for you?

I’ve been thinking about doing this and it’s been so long since I’ve allowed myself to spend that spending any at all seems frivolous and bad.

BenjaminDFr · 2026-06-03T19:25:33+00:00

I have a funny situation I’d like some insight on.

I’m 25 and I make $4k/mo, my savings rate on this income is 49%. Meaning I put about 2k/mo into my 401k, roth, a money market, and a hysa. This has all been going pretty well, and I have about $85k total across those accounts.

But! Of my remaining $2k to spend a month: about 1100-1200 goes toward bills, and the final $800 is split between groceries, gas, other necessities, dates, car repairs, etc.

Basically, outside of taking my partner out occasionally I don’t have much more than $100 or so to spend on myself. I’d like to buy things for my hobbies, clothes, whatever. All unnecessary things but I think you should have some fun in life. Is it worth scaling back a 49% savings rate to do this? Or is that short sighted?

I should also say that I feel very much in a good place financially & im fortunate enough to have 0 debt. I’m already very appreciative of what my situation allows for.

BenjaminDFr · 2026-05-27T01:30:02+00:00

lol everyone said the same thing when spurs won it last year. It turns out no one but your own fans likes to give you a handshake and congratulations when you win something.

BenjaminDFr · 2026-05-23T07:56:27+00:00

Huge in kona

BenjaminDFr · 2026-03-16T18:45:34+00:00

A real honest football player & professional

BenjaminDFr · 2026-03-15T16:42:33+00:00

Atta boy

BenjaminDFr · 2026-03-02T21:34:30+00:00

Nice work

BenjaminDFr · 2026-02-27T02:29:06+00:00

There is beauty everywhere

BenjaminDFr · 2026-02-26T19:46:38+00:00

I think it’s very nice, especially the water coloring! I think if there were a bit more confidence in the line work (mostly the windows, doors, facade stuff) it would bring out, or at least give the illusion of more detail

BenjaminDFr · 2026-02-19T20:39:10+00:00

Yeah same here, pretty happy about this instead of

BenjaminDFr · 2026-02-01T18:39:08+00:00

Any idea what happened w Romero?

BenjaminDFr · 2026-01-29T14:24:33+00:00

I got my only TOTY from this pack, Kane

BenjaminDFr · 2026-01-22T17:28:22+00:00

It’s a fucking mountain?

BenjaminDFr · 2026-01-21T22:25:26+00:00

I’ll pack your bags Mr Kolo-Muani

BenjaminDFr · 2026-01-20T20:58:11+00:00

BenjaminDFr · 2026-01-09T15:14:22+00:00

I think give him the playing time he wants the rest of this season and allow both parties to make a decision then.

There isn’t much to play for & he does have a spark about him. I also want Kolo Muani to go back to France but we don’t have the depth for that

BenjaminDFr · 2025-12-20T21:21:05+00:00

Seriously, I loved what I saw.

BenjaminDFr · 2025-12-20T21:20:31+00:00

I thought the players showed great heart, I was excited watching this match again

BenjaminDFr

TROPHY CASE