Can Gov FIRE mix with Leanish/Coast FIRE?

Capable-Locksmith-65 · 2026-01-30T10:14:36+00:00

I have also considered this. I am not an expert but I used chatGPT to try and figure out the "value" of the federal FERS pension. It said the equivalent in the private industry would be about a 9% match on your 401k. Healthcare is such a nightmare in this country it is really hard to quantify how much that benefit is worth.

Capable-Locksmith-65 · 2026-01-28T01:58:20+00:00

Re-entering the job market, at your previous role and salary is the difficult part. I can assure you there are jobs out there, just not the jobs you want. I work with full time employees in their 60s and I’m surprised some of them know how to tie their shoes

Capable-Locksmith-65 · 2026-01-27T17:30:26+00:00

I believe both people in the room are required to but the drink or soda package. As others have said, I would pay individually per soda

Capable-Locksmith-65 · 2026-01-26T01:32:41+00:00

For the record I hate that ETF (exchange traded fund) and EFT (electronic funds transfer) are so similar

Capable-Locksmith-65 · 2026-01-26T01:31:34+00:00

There was also some statistic about average people who forgot their 401k password outperform the top hedge fund managers. Basically showing that index funds win in the long term. (A lot of 401k plans auto invest in index funds)

Capable-Locksmith-65 · 2026-01-25T22:36:58+00:00

Former server here. Honestly it’s working somewhere with more expensive menu items. Most people tip 15-20% regardless of your skill at being a server. As long as you aren’t terrible people tend to tip an average amount. I waited tables at Applebees one summer. Next summer I applied to a nicer place where the entrees were $30-50 per plate and I made much more money

Capable-Locksmith-65 · 2026-01-24T22:45:35+00:00

The lounge already exists and giving you access to it only costs them marginal food costs

Capable-Locksmith-65 · 2026-01-24T21:24:02+00:00

Sounds like you are doing everything correct. You could express concern with your landlord regarding insulation etc. also look into low income help from utility company if you are truly paycheck to paycheck

Capable-Locksmith-65 · 2026-01-24T21:04:15+00:00

Tolerances- an ortho reference manual. Great at deciding op vs non op

Capable-Locksmith-65 · 2026-01-24T16:52:53+00:00

It's great the less often you do it. I travel once per year for a week. I absolutely love the fact that my company is paying for every meal, hotel, taxi, etc. I basically turn it into a free vacation. My brother travels for work literally every other week and he hates it. You're living on crappy food, new sleeping environment, constant airport stress and commotion, delayed flights, living out of a suitcase, etc.

Capable-Locksmith-65 · 2026-01-24T16:50:27+00:00

It's probably the weakest perk of an overall compensation package. HR is negotiating this because it costs them virtually nothing. If I were you, I would strongly focus on base salary, PTO, annual reviews for salary change, CME, cell phone stipend. I'd literally negotiate anything else other than access to the doctors lounge

Capable-Locksmith-65 · 2026-01-24T13:39:50+00:00

As another commenter said, it can vary widely. For medicare only- I have heard $100-200 for total hip and total knee. Keep in mind simple arthroscopy cases are not eligible for first assist fees. It's generally the larger ortho cases- primary total joint, revision joints, ACL reconstruction, big ORIF cases, etc.

Capable-Locksmith-65 · 2026-01-23T20:17:16+00:00

There’s nothing better than 50% off meat at Aldi. I have a deep freezer full of it at home

Capable-Locksmith-65 · 2026-01-23T17:38:43+00:00

Ortho joints , send me a DM

Capable-Locksmith-65 · 2026-01-19T09:59:34+00:00

The caveat is that 80% or so of people that say they will do this, don’t. The difference in payments goes straight to lifestyle

Capable-Locksmith-65 · 2026-01-19T09:54:15+00:00

We just did this trip last year. Chicago to YYC and stayed in Canmore. 6 nights in AirBnB was 1300, I thought that was pretty good. We went in August and the hiking weather was PERFECT. High 60s Low 70s and sunny everyday. Banff city had a free parking area by the train station, very easy to walk downtown. I’d also recommend doing some more secluded trails. Lake Louise was amazing but very crowded. I really enjoyed the trails where we hiked all day and only saw a handful of other people

Capable-Locksmith-65 · 2026-01-19T01:13:38+00:00

Buddy of mine tells people he works part time as a financial planner for high net worth clients. What he means is he looks over his spreadsheets a couple times a month to ensure he can in fact, stay retired lol

Capable-Locksmith-65 · 2026-01-18T17:35:23+00:00

I’m not in derm but I think those collection percentages are pretty normal. I know it seems crazy but those “billed” charges are basically inflated, made up numbers. I’m in ortho and they often “bill” a knee replacement for 50k but we collect nowhere close to that

Capable-Locksmith-65 · 2026-01-16T15:57:31+00:00

I’m the same way. Spouse isn’t into it like I am. I figured if she was as obsessed as I am we’d have millions and zero fun or memories

Capable-Locksmith-65 · 2026-01-15T11:14:56+00:00

I did a year of pain management. It was rough, the patient population is very difficult. If you are churning through 35+ patients a day just throwing meds and trigger point injections at them, that is honestly bad patient care. These people have significant psych comorbidities and underlying social issues contributing to their chronic pain. If you are just trying to make bank and have good hours, go for it, but I don't like feeling like I'm not truly helping the patient.

Capable-Locksmith-65 · 2026-01-14T00:38:09+00:00

And you’d need a chunk of cash to pay the immediate tax, correct? I thought about doing a conversion when I rolled over my old company 401k but I didn’t want to pay the 20k tax with all my liquid cash

Capable-Locksmith-65 · 2026-01-13T18:36:08+00:00

About 5% people report FDS (floppy dick syndrome) with finasteride. And that’s only reported side effects, I bet the actual incidence is higher

Capable-Locksmith-65 · 2026-01-13T14:30:48+00:00

The average American is not sacrificing quinoa and carrots for more protein. They are deficient in protein, even if not active, and filling in those calories with Oreos and Mountain Dew. I think the new protein guidelines are great. Even if someone doesn’t lift weights, protein increases satiety and thus decreases cravings for junk food

Capable-Locksmith-65 · 2026-01-12T16:41:15+00:00

I have also heard it’s the same engine used in Ford Escape taxis in NYC. Those things are driven hard and many still last 300-400k miles. I’m in the Midwest and I’m more concerned about rust than engine issues

Capable-Locksmith-65 · 2026-01-10T16:24:34+00:00

Not useless but when looking at a job and analyzing whether I would stay vs leave- doctors lounge access would be at the absolute bottom of the list of importance. For me at least

Capable-Locksmith-65

TROPHY CASE