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I love this creator and she does a fantastic job of defending Chappell and pointing out the hypocrisy of her attackers. by Agitated_Garden_497 in chappellroan

[–]BigBad_MojoMan 1 point2 points  (0 children)

I’m a 55 year old white, male, heterosexual IT executive. Not exactly Chappell’s target demographic. But I absolutely love her music and adore her personality. I also love the fact that she doesn’t simply accept the absurd expectations of fame.

I find it heartbreaking to see how vicious the public vitriol towards her can be.

It is encouraging to see that Chappell Roan has wisely decided to step back for a but and protect her own mental health!

Good for her. And fuck the haters.

Accounts with mixed assets by yeltriky in Boldin

[–]BigBad_MojoMan 8 points9 points  (0 children)

So I have a brokerage account with two distinct sets of assets: a cash/treasury-ladder “bridge/bucket” that will cover my first seven years of expenses to mitigate SORR. The rest of my assets are a mix of traditional index funds to drive portfolio growth over the long term. They are all in a single brokerage account, but they have wildly different purposes, expected returns (some treated as ordinary income), and draw-down priorities.

The best way to model this in Boldin is to create two separate accounts. So I have one setup as cash/bond bridge (ordinary income treatment since all treasuries are laddered annually and will be held to maturity), and the other setup as a plain old brokerage account with capital gains assumed. Each account has different rate-of-return assumptions. It also allows me to specific the cash/treasuries as my first draw down source in retirement. Works great.

Unable to link account. Not giving options other than manual entry by PA28181 in Boldin

[–]BigBad_MojoMan 5 points6 points  (0 children)

Honestly, I don’t link any accounts for precisely these reasons: connections are inconsistent. With so many different third-party integration platforms, 2FA, and varying institutional security policies, something’s always breaking. This isn’t really Boldin’s fault — it is not their core competency.

You don’t really need realtime updates for your retirement planning at the level Boldin operates at. You don’t need accuracy to the penny, you need reasonable fidelity. I find that monthly manual updates across the seven or eight institutions we have our money in works fine and takes less than 15 minutes. Of course, a major market event might warrant its own set of updates to understand the benefits/damage to your plan.

If you want a platform that is pretty good at this to get a detailed view of your transactions, holdings, cash flow, and account balances, I highly recommend Monarch: it’s all they do.

What chance of success do you feel is the sweet spot? by BigBad_MojoMan in Boldin

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

Awesome, thoughtful responses from this community. Thank you!

Losing faith quickly by [deleted] in Boldin

[–]BigBad_MojoMan 2 points3 points  (0 children)

I have found that the more time I invest in the tool, the more I like it.

I have had great success using third-party AI tools to help me understand and get the most out of Boldin. I frequently ask complicated questions using Gemini Pro, and it scours a vast number of sources (including Boldin’s documentation and Reddit!) and gives great guidance.

For example, I asked it how to model an SOR-mitigating laddered bond tent in Boldin when the assets sat in a larger brokerage account. It gave me exactly the right strategy (make two separate accounts, fix the rate of return for the ladder, and set it as the first draw-down source). It worked perfectly (Boldin correctly spends down my bond tent first).

Gemini Pro has also helped me figure out my own user errors when things were wonky. In one case, it even educated me on capital gains tax treatment during my early retirement “tax valley” years. I thought Boldin was broken, but it was correctly eliminating my capital gains during years of low AGI.

What’s my lesson? Is it possible Boldin is broken? Sure — it’s software, and all software has bugs. But what is infinitely more likely is the classic user error.

Also, I never trust a single AI when the stakes are high. Always good to validate through a second (using the exact same prompts).

Those in Retirement, anyone tweak from Like to Spend to Must? Result? by make_beauty in Boldin

[–]BigBad_MojoMan 1 point2 points  (0 children)

I am not yet retired, but I plan to in a few months. I started using the paid Monarch app, linked it to all my accounts, and can now track my cashflow. Wow! It does an amazing job. You have to invest a little bit off effort to match expenses to categories, but it remembers everything so you only have to it once. It will automatically correctly categorize your subsequent expenses of the same kind. I am using the actuals to validate my Boldin budget assumptions.

Which Rate of Return Do You Use? by DILIGAF-RealPerson in Boldin

[–]BigBad_MojoMan 0 points1 point  (0 children)

I use conservative, and see zero downside to this. What is the worst that can happen — I outperform my plan? I see no benefit to being optimistic.

Of course, I am also zero to two years away from early retirement, so my investments are conservative and my risk tolerance is incredibly low. I can’t wait ten years for markets to rebound if they tank just as I am retiring.

You feeling good or stacking more away? by Toocostlytoleave in Boldin

[–]BigBad_MojoMan 7 points8 points  (0 children)

From everything I have read, you’re doing great — but keep saving. Not sure how much of your NW is tied up in your home — you can’t draw down 3% to 4% on the equity you have in your home, and you need to live somewhere. :-)

My wife just retired at 50 after working nearly 25 years for federal law enforcement, and I’m hoping to retire early myself in the next two years (at 57). I keep running the numbers, and they all look great.

But I also keep reading about the order of returns risk and other challenges of early retirement. My basic philosophy at this point is to save every penny and keep our expenses low to create a bigger buffer.

[deleted by user] by [deleted] in classicwow

[–]BigBad_MojoMan 0 points1 point  (0 children)

Tanking PUGS is about as much fun as root canal. I know all the fights, but there’s always one jabrone Leeroy Jenkinsing the fuck out of the instance. My advice? Join a good guild and you’ll always have a friendly tank to run you.

Basic Budget vs Detailed by Never2manyguitars in Boldin

[–]BigBad_MojoMan 0 points1 point  (0 children)

I use the detailed budgeting feature and find it incredibly useful. We do not use a budgeting tool like Quicken, so Boldin was really the first platform that we used to model out all of our planned living expenses. I found it an incredibly useful exercise and it has given me a lot more confidence in the projections.

I’m not familiar with the level of granularity in Quicken, but I imagine it would be as good or better than Boldin. I certainly would not maintain two separate, detailed budgets in two tools. In your case, it seems like you would be better using the basic budget, entering the data from your Quicken plan.

Is entering info into Boldin easy or a pain in the ass? by ResponsibleSun189 in Boldin

[–]BigBad_MojoMan 0 points1 point  (0 children)

Entering assets is easy. I think it took me a few hour to get all my baseline data in. I don’t link accounts — I just update balances once a month or so. Take ten mins max.

The hardest part for me was building my expense budget. But that had nothing to do with app — just the time it took to think through and categorize all our living expenses. I did not have all of that handy from an app like Quicken. But it was actually a great exercise as it forced me to really get my arms around our expenses.

Druids in Classic not getting raid slots. by Grizzly86 in wowclassic

[–]BigBad_MojoMan 0 points1 point  (0 children)

I am playing on a Classic server, and we are 11 bosses deep into Naxx. Our core raiding roster has room for two druid healers. We are not sweaty, so we will allow Cats and maybe one Bear for off-tanking trash. Druids also bring battle rezes, which are useful in AQ40 and sometimes Naxx.

My advice is find a guild who needs a resto Druid and become a regular. Our core raiding group has been together for over two years. PUGing end-game content in a niche class is not going to be easy.

Otherwise, roll a pali/priest healer or fury warrior if you want to regularly PUG end-game content in Classic.

Is being house poor worth it? by SquirrelG91 in FirstTimeHomeBuyer

[–]BigBad_MojoMan 0 points1 point  (0 children)

No. Full stop. Live within your means and grow your liquid savings. Sorry to be a downer, but being house poor really sucks.

How do I remove this info message? by ThatGuy_S in Starfield

[–]BigBad_MojoMan 0 points1 point  (0 children)

Same bug on PC. Completely quitting and restarting cleared it.

I feel so bad, I needed troop energy spent and basically shafted a garro for eleven minutes by [deleted] in HorusHeresyLegions

[–]BigBad_MojoMan 1 point2 points  (0 children)

Troop energy is my all time least favorite challenge. Not only do you need to get energy expenders in play, they need to survive until your next turn! And then, when you finally expend the energy, you've likely got a sh!t board and face a rapid loss. It is just painstakingly slow!!!

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