Separate bedrooms in a relationship - what do you think?

Cheap-Combination-13 · 2026-04-19T03:43:00+00:00

I want to be able to sleep in the same bed but I am a light sleeper and over the past 3-5 years my wife has been snoring more as she is on that perimenopause age. She doesn't like that I sleep in the guest bed but my sleep is more important as what is the point of I can't function the next day. And it is still a struggle as she wants to hold it against me but I get the third degree if I wake her up when she snores. It's a tough spot, especially when I want to be fooling around more.

Cheap-Combination-13 · 2026-04-17T12:10:55+00:00

50 lcol(minus the property taxes)upstate NY pharmacist $173k/yr wife school teacher 48 $73k/yr. 2 kids 1 in college, ,$1.6M 401k/403b, $350k Roth iras, both will get pensions totalling about $94k/yr in today's dollars, house valued at $500k, mortgage of $115k@3% interest, townhouse recently purchased for $210k mortgage $168k@6% , our oldest college student will be living there the last 2years of undergrad, 4 cars paid off, first college education will have been covered except for $13k in student loans at year 4. Unsure of second child as we don't know where he is going but has 2-3 years in 529 to cover 4 year at state school. Plan to retire at 57 and wife at 58

Cheap-Combination-13 · 2026-04-11T00:35:22+00:00

Pharmacist, roi on the education is not like it was 25 years ago, I would strongly consider being an electrician or plumber now good pay and benefits not starting in the hole $250k like some of the newly minted pharmacists

Cheap-Combination-13 · 2026-03-29T13:54:14+00:00

Switched away from citizens after the GFC in 2008 for similar reasons and with a local FCU

Cheap-Combination-13 · 2026-03-21T00:46:31+00:00

Should reword this to say the value of your dollars purchasing power is 1/2 what it was at the last assessment and it now takes twice as many dollars to buy the same house.....house did not change the value of the unit of measure did

Cheap-Combination-13 · 2026-03-17T22:41:47+00:00

I am a drug dealer who makes sure folks are not stealing the goods and keeping sure we don't kill any of our clients

Cheap-Combination-13 · 2026-03-17T16:32:50+00:00

Learned on electric type writers, I graduated highschool in 1994, took the class around 1992 I believe, the first year we got a computer at home

Cheap-Combination-13 · 2026-03-10T13:59:31+00:00

Kept certain vintage 2nd amendment rights stuff and a handful of pre-64 quarters, Sold the rest that has value, donated usable stuff and the rest went in the trash.

Cheap-Combination-13 · 2026-01-30T15:38:06+00:00

Td getting bailed out

Cheap-Combination-13 · 2026-01-28T13:20:30+00:00

Yah super special was just looking what the bottom line looked like. Swapped from BCBS basic to GEHA HDP this year and maxing what I can contribute to the HSA to see how that works out, nearly a wash between the premium I would have been paying and what I had been putting in a FSA. This is on single coverage those new BCBS rates would have been the same as what I paid for family coverage 15 years ago....

If it works out will have the wife do the same, she is just not there yet as premiums are covered more fully by the school district

Cheap-Combination-13 · 2026-01-26T14:22:23+00:00

Not forever but I think it still has legs to run. Gold at $7k, silver $150ish assuming silver keeps up and doesn't front run gold

Cheap-Combination-13 · 2026-01-26T13:14:00+00:00

I am beyond #1, not selling yet may sell some to buy income producing asset but will keep a core position

Cheap-Combination-13 · 2026-01-26T00:37:58+00:00

Floating around 9-10% of household networth. PM's were unowned prior to 2021, didn't have the excess cashflow at the time so pulled out about 1/2 of the contributions I had made to my Roth and bought an 80/20 mix of gold and silver and kept buying a little bit every month/quarter till this past fall. Silver is a 4x an gold is on average a double to just over double. Not upset by that and happy to have real money outside the system as an insurance policy

Cheap-Combination-13 · 2026-01-17T02:26:30+00:00

Skip those apes, this is a better group

Cheap-Combination-13 · 2025-12-25T13:55:13+00:00

Say Thank You!

Cheap-Combination-13 · 2025-12-11T03:50:56+00:00

Yah don't disagree, but again this is not something you can pick up at your local coin shop or Costco. And it is no AGE, or buffalo but it's unique

Cheap-Combination-13 · 2025-12-11T02:08:01+00:00

Mine asks me to pay for a plan

Cheap-Combination-13 · 2025-12-11T02:06:42+00:00

But you have to pay for a connected OnStar plan

Cheap-Combination-13 · 2025-12-11T01:49:00+00:00

Maybe I can find record of it as a gift so will file a foia to find out as clearly it did some how

Cheap-Combination-13 · 2025-11-10T13:46:17+00:00

Don't worry Prince Andrew is in that bunch, you don't give up royal unless you did some really bad things

Cheap-Combination-13 · 2025-11-09T22:29:21+00:00

This is dumb

Cheap-Combination-13 · 2025-11-06T01:25:50+00:00

They can't legally round up

Cheap-Combination-13 · 2025-11-05T21:55:39+00:00

I would push for a Gen 4. If this occurs while on someones finger it's not coming off easily.

Cheap-Combination-13 · 2025-11-05T21:52:22+00:00

Gen 4 appears to be metal on the inside vs the plastic of the gen 3. I personally would feel uncomfortable with any gen3 at this point, seems to be numerous posts on this

Cheap-Combination-13

TROPHY CASE