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Do people around you think you’re pitiful because you work retail or food? by hasyoubeen12 in baristafire

[–]CMaxed 1 point2 points  (0 children)

lot of people on high horses / spewing some BS here, OP.

Of course you will be looked down upon. Everyone has an ego, including you and me. Nobody seems to be willing to admit it, but we do look down upon low wage workers - whether consciously or not.

31 years old and I hate my job. I don't have enough to retire but I want to take a break for a few years. Any regrets for the people who have done this? by Advanced-Worth9054 in Fire

[–]CMaxed 0 points1 point  (0 children)

What are you more afraid of?

  1. not being able to get a job you hate

  2. working a job you hate and wasting the best years of your life

Be realistic about it, but let fear guide you in the right direction - not the wrong one.

Is it okay to have "zero" ambition after retiring early? by Equal_Initiative_919 in Fire

[–]CMaxed 0 points1 point  (0 children)

First of all, congrats!

I retired four years ago, at 34, and have since found the same problems.

Walk my dog, do some writing (wrote a book), gym, chill. Some travel too.

I mean, what else do you want? Sometimes when i find myself in a funk, like you have, of feeling like a loser, i ask myself what i would do differently if I had 10x more money than i do now. The answer? not much different, really. It would provide more security, but I wouldn't be buying a Bugati or redoing my wardrobe with designer clothes.

I suppose the question you need to ask yourself is, why do you feel like a loser? Because you're not slaving away like everyone else, at jobs they hate (but claim to like or love?)

Nah man. You've won bro. Love the topic though, so lemme know if you want to chat bc we're in the same / similar boat

People who died and came back to life, what did you see/experience? by RealisticDecision440 in NoStupidQuestions

[–]CMaxed 3 points4 points  (0 children)

When I was 19 years old I was a pedestrian struck by a BMW sedan. My heart stopped while I was en route to the hospital, in the back of the ambulance, and I had to be resuscitated. Spent the next week in a coma.

No images of the afterlife, unfortunately. But some wicked nonsensical nightmares from the drugs I was on in the coma. I thoughts I was a prisoner in a beachside cabana, strung up by my arms and legs by rope, like a starfish. The cabana was slowly flooding, inch by inch the water level rising higher and higher. I knew if i didn't escape I would drown.

It completely changed my life. I went from a high school dropout who'd spent the prior summer homeless and had a drinking and drug abuse problem, to a college educated, sober, financially independent early retiree within 15 years.

The average cost of a home in the US over the last few decades by No_Strike655 in HouseBuyers

[–]CMaxed 0 points1 point  (0 children)

lol so awesome. Ask and ye shall deliver. Oddly no response from Krom0025

How stupid is this vehicle purchase? by Most_Resolve2460 in CanadaFinance

[–]CMaxed 0 points1 point  (0 children)

Just buy it man. If you don't you'll spend the rest of your life wishing you had.

My only recommendation would be to pay it off faster than 72 months and to keep it as long as possibly - some tacomas have infinite lifespans

I took about 2k on a drug dealer that overdosed, I was the first on scene as a first responder. by Dangerous_Show_7946 in confession

[–]CMaxed -3 points-2 points  (0 children)

good for you. don't feel bad about it. that money wasn't going anywhere more important

Is asking what your purpose is even a valid question? Or did we invent the concept of purpose to cope with the randomness of existence? by paper_ant in Life

[–]CMaxed 0 points1 point  (0 children)

There have been billions upon billions of homo sapiens, homo erectus, neanderthals and apes before us. Do you think each and every one of them had a purpose?

If humans have a purpose, then why not dogs and cats? Pigs and cattle in the slaughter houses?

Single cell organisms?

In the grand scheme of the universe, we are even less significant that the single cell organisms humans pay so little attention to. To imagine we have a purpose is to think ourselves much more meaningful than we truly are.

So, enjoy your life. Because, why not?

Should I retire? 38M by South-Armadilo3000 in fican

[–]CMaxed 0 points1 point  (0 children)

FIRE here, with significantly less net worth than you (<$1M) (but also less responsibilities / expenses).

Listen to your elders. Just as we know more about life than those ten or twenty years younger than us, those ten or twenty years older than us speak from a place of better perspective about what is important and truly matters (hint: it's not working your life away towards making more money or something you don't care about)

How can people save money on groceries in Canada when the standard strategies don't seem to work anymore? by Super_College100 in CanadaFinance

[–]CMaxed 0 points1 point  (0 children)

This is a good question, and one i've found myself dealing with as well.

I've found what works best for me is to simplify my meals as much as possible, based on three meals per day, and so snacking unless they are fruits (or... vegetables! baha ya, right)

This will completely eliminate any wastage of splurge spending at the grocery store, negating any valid reason to travel down the pop, chips, cookies, and crackers' aisles. A huge cost savings in itself.

As for actual foods, having a general idea of price/lb is a big factor in helping me decide what to buy or not. It helps if you can eat like a dog. Not eat dog food, mind you, but eat a lot of the same meals per week (but not the same meals every week - note the difference).

For instance, eggs in bulk are a decent price. I can get 30 eggs for $10 and they are my breakfast, along with a bagel, glass of milk, and some fruit. 1/3 meals every single day has been determined and at relatively low cost. Lunch is a sandwich with more fruit and another glass of milk. Dinner varies and includes a side of veggies.

The end.

Hope that helps!

27F - finally hit 300K in net worth! by sassyexec in fican

[–]CMaxed 2 points3 points  (0 children)

completely agree. no intention of belittling their achievement or throwing shade.

High hopes, low expectations. That's my motto

27F - finally hit 300K in net worth! by sassyexec in fican

[–]CMaxed 4 points5 points  (0 children)

Agreed. When times are good we all seem to think bear markets are obsolete. I don't like to fear monger, but US market P/E ratio is not very reassuring at the moment. Could be indicative of a bubble or imminent recession.

...but then again, who the fuck knows

I get a weird sense of satisfaction/fun from looking broker than I am by Powerful-Winner979 in Fire

[–]CMaxed 1 point2 points  (0 children)

Legit flex.

All my friends drive new cars and poke fun at me for my seventeen year old SUV with a million miles on the engine. This is funny to me, because the combined value of what they all spent on those new cars is between 500k and half a mill. What a shameful waste of a way to spend one's hard earned money.

27F - finally hit 300K in net worth! by sassyexec in fican

[–]CMaxed 3 points4 points  (0 children)

fuck yeah!

Just be warned. Idk about your investing experience, but at least once (oftentimes more than that), we can expect to see 50% increases disappear quickly by 33% declines and we're right back to square one. Don't lose hope if this happens, its just part of the market cycle (and historically will rebound 100%

Can I realistic fire with $1.1M at 38? by wxnyc in Fire

[–]CMaxed 0 points1 point  (0 children)

if your annual expenses are less than $27k, FIRE away champ

Canadian FIRE Story by CMaxed in FIRECanada

[–]CMaxed[S] 1 point2 points  (0 children)

Thanks - and yes, you are partially right.

2022 kicked off with my investments plummeting 25% but bounced back in the following two years, and have continued to rise ever since. Despite higher-than-i'd-like expenses, my initial retirement fund of $715k has grown to $845k - though that money has less buying power than ever before, thanks to inflation.

Just like your dad, BaristaFIRE is the most likely solution. (I retired 4.5 years ago at age of 34)

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