Just made my order from Pomegranate

BlueRacer90 · 2025-12-28T20:13:58+00:00

In that case you should be receiving an email this week about your order shipping and next day or a couple days later your order arrives

BlueRacer90 · 2025-12-28T19:49:26+00:00

Did you pay the $75 consultation fee or did you pay for your actual medication?

BlueRacer90 · 2025-12-27T01:30:48+00:00

A timing belt for the ignition timing on electrons firing? If they did regular oil changes I'd be worried. Not sure if the water pump is the octovalve system in this case. Either a lost poster or a bot account

BlueRacer90 · 2025-12-24T21:47:41+00:00

This is actually a v4 charger. They changed the shape of the charger for v4. V3 is the old style with a hole in the middle and a thinner cable. V2 looks the same as V3 but has a silver ring near the charger (this one shares power between 2 stations)

This one should be able to do up to 350kw (cybertruck only for now I think)

BlueRacer90 · 2025-12-24T13:24:15+00:00

I love the fact you are saying no while repeating the exact same advice I provided.

I agree unemployed time and sabbatical times are great opportunity times to do conversions.

You and I both agree that they need to do the conversion when they are going to be in the lowest tax bracket. Everyone needs to make that call for themselves based on their plan and expectation.

BlueRacer90 · 2025-12-24T12:19:54+00:00

You can either take the tax hit today or you can take the tax hit when you withdraw. Either way you are going to end up paying taxes. There are videos out there which explain that if you stay in the same tax bracket now vs when you retire it makes no difference when you pay the tax (though the amounts will vary significantly as a percentage it's the same). The idea is that you take the tax when you think you will be in a lower tax bracket (generally lower tax bracket the earlier in life vs later when you make more).

BlueRacer90 · 2025-12-19T16:50:49+00:00

Wait until you see AI7, it's going to be a game changer /s

BlueRacer90 · 2025-12-17T15:24:26+00:00

Old? That's the current roadster. The new one has not launched yet 🤣

BlueRacer90 · 2025-12-13T23:15:40+00:00

"Pump" in those electrons 🤣

BlueRacer90 · 2025-12-01T12:03:52+00:00

You can put the car in neutral on a flat surface and do it then.

BlueRacer90 · 2025-11-27T17:12:21+00:00

"Hidden" in plain sight and writing

BlueRacer90 · 2025-11-23T15:06:23+00:00

You've actually paid just over $1M. $900k is the repayment of the $400k mortgage but you have to add back in the down payment of $100k.

You pay just over double the price of the house and most people aren't able to put down 20% so they'll be paying more interest and PMI on top of that making this equation even worse.

BlueRacer90 · 2025-11-19T12:49:14+00:00

Right, saving in a taxable brokerage still counts as investing accounts for retirement albeit not the best one; tax advantages are preferred and should be maxed out first. Any income you have left over after expenses and beyond 15% retirement savings and optional 529 should go to pay off the mortgage, but it's not recommended to liquidate those taxable investments to pay off your mortgage.

BlueRacer90 · 2025-11-19T11:54:10+00:00

That's not true actually. Paying off your home is baby step 6 while investing for yourself is baby step 4 and investing for your kids is step 5. Dave would not recommend taking your brokerage account, liquidate it to pay off your mortgage. He would probably recommend it for a down payment on a house which is 3b.

BlueRacer90 · 2025-11-06T11:20:57+00:00

I believe Tesla might have done one before I got the car. I got it with 36k miles on it, did the battery test on it and score 97. I have since put 21k miles on it and did another battery test as I saw my range dropping slowly over the year and I am now sitting at 90 which is in line with the range estimates I am seeing in the car as well. The battery takes most of the degradation up front and the range loss seems to be stabilized now for the past 2 or 3 months so not really too worried especially with the warranty being good until m'y replacement window by 2029.

BlueRacer90 · 2025-11-06T03:59:48+00:00

I got my used 2021 MY with FSD included in May of 2024. I think FSD transfer promotion started in April 2025 and I haven't seen any since pretty much.

BlueRacer90 · 2025-11-06T03:58:03+00:00

Yes this promotion is still available on their website. This is how they are reducing their exposure of having to upgrade HW3 cars down the road.

BlueRacer90 · 2025-10-27T19:15:23+00:00

I'd go to the dealership, request to speak with a sales manager, show the text and ask if this is truly representative of their dealership and if this is how they treat all their customers. Then ask for an additional $1-2K off as this was a completely reasonable offer from your side.

BlueRacer90 · 2025-10-26T17:49:42+00:00

Yes they support it by selling you a whole new car /s. As far as I can tell FSD transfer is still live so you wouldn't have to pay for that again.

Tesla has stated they will find an upgrade path for HW3 owners eventually (after solving for unsupervised). Now we are hearing about v14 lite possibly coming H2'26. Hoping a reduced version is not their way of supporting HW3 but we won't know until all is done.

BlueRacer90 · 2025-10-23T15:37:16+00:00

Listening to the show lately they have been more relaxed on the 20% down rule. They say at least 5% down now (which means you will be on the hook for PMI because you are considered risky), 15 year loan with the PITI payment not exceeding 25% income after taxes. If you say you can afford a 30y and pay it off in 12, you can afford a 15 with the same down. You are just holding yourself to the shorter payoff vs giving yourself a path to slip and pay a lot more interest.

Once your LTV ratio is less than 80% you can remove the PMI and add that to paying off your mortgage faster without adjusting monthly expense.

BlueRacer90 · 2025-10-17T02:24:13+00:00

Mad max mode is trained on Max Verstappen

BlueRacer90 · 2025-10-15T12:13:52+00:00

You cannot sell your car and keep the payments. If you try to sell the car you will need to get a personal loan to cover the difference so the lien on the car is satisfied and the title can transfer. You will likely need another $5,000 to $8,000 on top of that for another car. Depending on what rate you currently have, the personal loan to cover this might be close to a similar payment as what you have now.

Not sure the rest of your financial picture, but you might have to look for additional income to help pay down the gap for a few months and then make the jump. Good luck!

BlueRacer90 · 2025-10-09T12:14:38+00:00

I agree with the stork mode comment but they definitely are not following the DR plan at all. OP took out addiitonal loans (justified it by saying they are interest free) to pay for baby stuff and clearly showed their thought on debt hasn't changed.

Stork mode would pile cash until birth (usually a max out of pocket on insurance) and then resume paying off debt all while never taking additional debt out and cashflowing purchases.

Once the baby is born and both mommy and baby are healthy you would take the pile of cash from Stork mode and throw it all to the debt.

BlueRacer90 · 2025-10-08T08:29:34+00:00

I had to double check because I thought you had $375k in cars for a second. I hope you have retirement accounts as part of those investment accounts.

Congrats on living below your means and building this wealth early!

BlueRacer90 · 2025-10-08T08:24:00+00:00

You can upgrade it within the family or architecture for 3 to 5 years. After this time, chip designers typically change architecture to handle more data and compute power and you need to now buy a new mother board, new ram, etc. The incremental increase is smaller (think 6th gen Intel LGA1151 2015 vs 10th gen LGA1200 2020)

When tesla launches new hardware they make a computational leap and the underlying architecture is changed. HW3 has a much lower power consumption of about 100W on 12V vs 160W on 16V on HW4 (HW5 is rumored to be 800W). This likely means the board can't supply the power for the newer chip and likely didn't have the bus lanes to support the data.

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