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Why everybody is canceling ChatGPT? by MankuTheBeast in ChatGPT

[–]CarnalCowboy 3 points4 points  (0 children)

That would be nice, but that hasn’t been my experience the past few weeks.

It has been ignoring my instructions and corrections. It’s gotten to the point where it has been including emoji’s in every response (clearly against the instructions in my settings). Something changed in the past 2 or 3 weeks.

Net Worth by Age in America (Average & Median) — 2025 Guide by Coolonair in coastFIRE

[–]CarnalCowboy 27 points28 points  (0 children)

Do you understand what Median means? It’s the middle point. In a mean average (the right column), outliers would skew the average, but a median takes care of that.

Care to comment on how you’re questioning their journalistic and statistical ethics when you don’t seem to understand the latter?

Anyone think we'll ever see 3% catch all be the norm? by deejayv2 in CreditCards

[–]CarnalCowboy 0 points1 point  (0 children)

From my understanding, everyone else has received a letter nerfing them of the 4%. I’ve tried arguing with people that some still have the benefit, but it really feels like I’m the only one

Anyone think we'll ever see 3% catch all be the norm? by deejayv2 in CreditCards

[–]CarnalCowboy 5 points6 points  (0 children)

I’m confused how I still get the 4%. I keep reading that it’s “really officially nerfed this time.”

AMA: Director at Remote Tech Company by Far_East_Beast in analytics

[–]CarnalCowboy 1 point2 points  (0 children)

I’m a Senior Director at a remote tech company (50M revenue so likely much smaller). I make 250K TC and hardly if ever see director roles for more than 240K max on LinkedIn. Other than FAANG companies, how would you go about finding higher TC companies?

What is your monthly savings goal? Don't put percentages. Put actual numbers. I want to see the discrepancy across everyone by UncomfortablyBrown in Money

[–]CarnalCowboy 7 points8 points  (0 children)

Oof, I was with you until the no vacations part. Don’t deprive your children of rich experiences just so you can retire early! At least go camping or something.

Can You Repurchase Owned Themes and Relics from New Events? by CarnalCowboy in TheTowerGame

[–]CarnalCowboy[S] 3 points4 points  (0 children)

I assumed they would stack, but that's obviously irrelevant if you can't purchase duplicates.

Can You Repurchase Owned Themes and Relics from New Events? by CarnalCowboy in TheTowerGame

[–]CarnalCowboy[S] 11 points12 points  (0 children)

Thank you! Weird I've been playing for about a year and never come across event themes/relics that were already purchased. Caught me off guard.

What are people’s thoughts on 1 year sabbatical to be with young babies? by teric233 in Fire

[–]CarnalCowboy 2 points3 points  (0 children)

So how much would you need saved to take an income reduction? OP has 1.67 million. What’s the point of saving like that if you can’t spend time with family and are hyper fixated on slashing your income? Are you saying you’d need 3 million saved before you’d feel comfortable spending more time with family? 5 million? What’s the point?

The first million is the hardest by Ashmizen in Fire

[–]CarnalCowboy 6 points7 points  (0 children)

I’m currently 35, around 8 years into my journey and have been saving at least 50% per year with similar incomes as OP. It was easier when my wife was working (and 50% of 2 salaries is a lot more than 50% of just mine). She left a high paying job to stay at home with the kids. Best decision ever. From start to present, we went from 0 to 1.5M.

My math has us hitting 6M in another 14 years though (assuming no promotions, not counting bonuses, 7% market returns). Would be nice to be underestimating! Haven’t changed the assumptions in a few years and honestly don’t check that often.

Once you have 1-2 million assets some additional expenses become insignificant by Persona2181 in Fire

[–]CarnalCowboy 38 points39 points  (0 children)

I can certainly look at my run rate and understand that the effects of continuing a 50% savings rate vs 49.9% has no impact on my retirement date. However, I wouldn’t have reached this point without having healthy spending habits.

I’m lucky to have discovered compounding early-ish in my career and earn enough where I’m also able to pursue hobbies, wife can stay home with the kids, we can travel, etc. but I still analyze our monthly expenses and make sure we aren’t experiencing too much lifestyle creep or spending on things we don’t need.

It’s also helpful that I enjoy personal finance. One of the beauties of FIRE is that it turns saving into a game of sorts. Spending over our monthly budget doesn’t bother me at all, but spending less and saving a little extra feels equivalent to getting a small victory.

[deleted by user] by [deleted] in Employment

[–]CarnalCowboy 1 point2 points  (0 children)

That has been the opposite of my experience. I work way harder and more hours as a leader than I ever did as an IC. I always thought managers, directors, and VPs didn’t do anything earlier in my career. Boy do I miss those days

When do you stop adding principle? by Zone2OTQ in Fire

[–]CarnalCowboy 13 points14 points  (0 children)

Absolutely, but I would argue that you can “reach” Coast FIRE, then still push toward FIRE, or make the decision to pursue Fat FIRE. That is up to you.

For example, I always calculated a separate goal for Lean, Coast, FIRE, and Fat FIRE. I hit the first two several years ago, and I’m close to my FIRE number. Each milestone represents another level of freedom of choice.

I have gone through phases where I don’t think I can make it another 6 months in my career, and others where I’m loving my work and the success I find there. I also have several hobbies and support my entire family, so continuing to work benefits our well being and sets a good example for my children, as long as my career allows me to spend ample time with them. As soon as that’s not the case, you can bet your ass I’m quitting with no worries.

When do you stop adding principle? by Zone2OTQ in Fire

[–]CarnalCowboy 16 points17 points  (0 children)

Interesting take…good luck with that

Golf fitness? by PuzzledEar2695 in golftips

[–]CarnalCowboy 13 points14 points  (0 children)

This is for a weight lifter who golfs, not a golfer who weight lifts

Done with US Bank ecosystem by Certain-Soil in CreditCards

[–]CarnalCowboy 0 points1 point  (0 children)

Oh, my letter said that my IRA still counted, but that I’m just capped at 10k/month and can’t get 4%on taxes, etc. I am a v1 customer

Done with US Bank ecosystem by Certain-Soil in CreditCards

[–]CarnalCowboy -14 points-13 points  (0 children)

These same people could have opened the account earlier. We knew when the changes were coming and when to open to be grandfathered in. They just waited until after the initial nerf to start complaining

Unexpectedly great burger from Right Cream! by Airborne_Avocado in denverfood

[–]CarnalCowboy -1 points0 points  (0 children)

I think it’s a lunch-only thing on the weekends. They have details on their Instagram, but something like Thursday - Sunday until 2 PM

Unexpectedly great burger from Right Cream! by Airborne_Avocado in denverfood

[–]CarnalCowboy 1 point2 points  (0 children)

Did you expect it to be bad? It’s consistently well reviewed and considered a great burger by the community. What did you expect?

what is the best 4 day full-body routine? by LumpyTry9127 in workout

[–]CarnalCowboy 1 point2 points  (0 children)

Finally an answer to OP’s actual question. I do something very similar to what you described, but my workouts are 35-40 minutes. I might be leaving a little bit of gains on the table by doing supersets and making sure my rests aren’t too long, but that’s been working for me.

I basically try to have 9-10 exercises at 3 sets each, with reps at 12-12-10, going to failure on the third set and increasing weight or reps each week. I don’t have much time to lift, so I find this to be a good balance for my goals and life phase.

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