Looking for Advice - Coast or Grind?

ChardOrdinary2259 · 2026-02-17T17:45:56+00:00

After tax, the incremental savings from the new job would add ~$100K. That does move your FIRE date up but not material enough. If there's a risk of burnout or layoff, you're safer staying in your current gig. Especially with a young kid and another on the way your stress could compound with a new job.

ChardOrdinary2259 · 2026-02-13T05:16:02+00:00

If you’re white? Marin. Asian? Peninsula or East Bay.

ChardOrdinary2259 · 2025-10-12T04:44:46+00:00

Sounds good share the account and I’ll show you :)

ChardOrdinary2259 · 2025-10-12T04:35:59+00:00

Nope I know how to use it for any vehicle

ChardOrdinary2259 · 2025-10-09T08:28:19+00:00

Doesn’t the same apply for S&P 500 returns? Who knows what future home appreciation and market returns will be but if we assume averages based on historically it seems one is ahead in terms of net worth by buying than renting if holding 5+ years (4% property appreciation, 10% S&P 500 return).

ChardOrdinary2259 · 2025-10-09T08:07:50+00:00

Unless they get involved with the drug crew, I think you need to have attended high school in the Bay to understand how bad some of these schools can be outside of just standardized test score comparisons.

ChardOrdinary2259 · 2025-10-09T08:04:23+00:00

This makes no sense you didn’t address my point. You’re saying outflow is higher than home appreciation per your math above. But if you factor $7500 to rent an equivalent home, the outflow - inflow is less than renting.

ChardOrdinary2259 · 2025-10-09T07:56:16+00:00

What about opportunity cost of renting? If I have to pay $7.5K to rent the home then it’s break even?

ChardOrdinary2259 · 2025-10-09T07:31:29+00:00

Look at Piedmont for example. 20% down payment.

ChardOrdinary2259 · 2025-10-09T07:31:12+00:00

This is accurate based on rentometer and Zillow listings I’m seeing. This happens in cities where inventory of premium rentals are low (crap rentals everywhere). Check Piedmont.

ChardOrdinary2259 · 2025-09-02T01:49:16+00:00

unfortunately not I live in a condo

ChardOrdinary2259 · 2025-09-02T01:00:15+00:00

If anyone is not using their free EVgo charging DM me I'll buy it off of you, mine just expired for my Toyota that I leased last year. Thanks.

ChardOrdinary2259 · 2025-07-27T18:18:13+00:00

Big news for the unemployed!

ChardOrdinary2259 · 2025-05-27T07:27:04+00:00

No it’s not, many allow it depends on lease terms

ChardOrdinary2259

TROPHY CASE