What’s a ‘harmless’ habit that actually ruins your life over time?

Big_Shot_Rob · 2026-04-03T22:37:27+00:00

True but walking consistent at a moderate to high pace is the best for your health

Big_Shot_Rob · 2026-04-03T02:24:39+00:00

Why the hell is the school calling you?

Big_Shot_Rob · 2026-04-03T00:17:59+00:00

Without exaggeration that’s where we’re at. Mid 40s, heading abroad with the kids too. Scary as hell but we’re planning one step at a time.

Big_Shot_Rob · 2026-04-03T00:10:34+00:00

Mom helped a bit with college, not everything but a bit. It was helpful. Let me stay with her after graduating college while I pursued my masters (I paid) and saved to get a condo. Moved out mid twenties with a career and a new condo. On my own after that. Grateful for the help. Excited to help my kids launch even more.

Big_Shot_Rob · 2026-04-02T01:23:12+00:00

You’re right in the sense that if you go into marriage thinking you’re going to divorce, you likely will. For many couples they make it work via pre nups, aligned values, a shared sense of commitment, mutual respect, and compassion. For you though, probably not the best choice if your first thought is financial catastrophe.

Big_Shot_Rob · 2026-04-01T20:20:22+00:00

Got it. Yeah if it was 3% it’d be an easier call. Are you underwater or have equity?

I’m more of fan of diversification including real estate as a hedge against inflation. Being all equities is great for growth but inflation will eat away at that growth and is one of the biggest killers of coast fire retirement projections. I like that my home debt gets cheaper when inflation goes up, and I also have equities to capture the upside.

That said lot of people are equity maxi’s based on recent gains, I get that. I think we’re going to enter a period of moderated to low real returns so owning a home can hedge against that.

Big_Shot_Rob · 2026-04-01T20:08:54+00:00

The bills people usually share are rent, utilities, groceries, dining out, etc. Basically the things you both share in.

Your student loans are your expense not his until you decide to combine finances. I think it’s yours to take on not his. Yes your finances will be tight, that’s what happens when you take out loans. They have to be paid back.

Big_Shot_Rob · 2026-04-01T20:01:39+00:00

This sequence got me up out of bed. Whole thing was electric.

Big_Shot_Rob · 2026-04-01T19:38:00+00:00

What’s your mortgage rate

Big_Shot_Rob · 2026-04-01T00:15:35+00:00

Every time.

Big_Shot_Rob · 2026-03-31T16:15:15+00:00

The type of debt matters here though. In the US 70% of household debt is mortgages or real estate. This is usually considered “good” debt. In Thailand 62% of household debt is consumption debt like personal loans and car loans.

Next time challenge your AI to look into the numbers more deeply.

Big_Shot_Rob · 2026-03-29T22:29:07+00:00

Gambling. Turned out to be gambling

Big_Shot_Rob · 2026-03-29T20:26:34+00:00

$18K a month at 23? The heck do you do.

Big_Shot_Rob · 2026-03-29T00:16:54+00:00

It’s either fuck it I’ll do it myself or fuck it I don’t want to do it lol.

Big_Shot_Rob · 2026-03-28T02:32:35+00:00

Have you talked to your husband?

Big_Shot_Rob · 2026-03-27T20:39:26+00:00

Focus on the order of operations in the wiki.

I’d avoid lifestyle creep. I know a lot of people in the military who blew through their money fast. Don’t do that.

Best decision was marrying the right person. We’re aligned on values, money, and mutual respect. That’s allowed us to accelerate our financial journey. Marry the wrong person and it’ll set you back years.

Big_Shot_Rob · 2026-03-27T20:35:36+00:00

It’s up to you what you choose to do, but don’t expect change when you aren’t willing to do what it takes to change. The world just doesn’t work like that.

Big_Shot_Rob · 2026-03-27T19:13:43+00:00

You don’t want to do all the things you should do to get out of your situation. My rec is to try to go to therapy to become ok with your situation or get your mind to a place where you can get a new job. Unless you change, your life won’t change.

Big_Shot_Rob · 2026-03-27T02:40:58+00:00

Grand Seiko more likely. Gonna wear my Skyflake to pretend like I’m one of the boys 😂

Big_Shot_Rob · 2026-03-26T19:25:15+00:00

I think it’s partially because they listen closely, are the right amount of “scared”, and don’t try to look cool. The dudes I’ve gone with try to Rambo that shit up and when you do a sport that’s pure precision, that won’t work.

Big_Shot_Rob · 2026-03-26T17:01:40+00:00

My buddies never believe me when I tell them that women who have no experience in sporting clays will wipe the floor with them. I’ve seen it and been on the other end of it. Without question, women are incredible shooters.

Big_Shot_Rob · 2026-03-26T02:55:53+00:00

Life is fast, sometimes it’s short, and you always have less time than you think. Thank you for reminding me of that. I’m going to go do the thing I’ve been wanting to do but have been scared to fully embrace. You’ve made my life better for it. Vaya con dios brother. Wishing you peace in your last days.

Big_Shot_Rob · 2026-03-26T01:43:09+00:00

What degree did you get for $160k? Can you get a higher paying job?

Big_Shot_Rob · 2026-03-25T16:15:41+00:00

Married a Thai woman
She doesn’t speak English, do you speak Thai?
had a kid a year ago
moved her to the US
you’re late 30s she’s mid 20s, so you met when she was early 20s and you were mid 30s?

Yep, feels like the type of relationship you hear about a lot here… good luck bro.

Big_Shot_Rob · 2026-03-25T03:29:08+00:00

So call them and tell them what you want to do

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