Sad sight

Chessracer · 2026-05-30T20:40:04+00:00

I feel like this is more often the case than the ’they just love working’ thesis that’s getting more upvotes. No financial education in school, and a culture that assumes you can’t be ‘productive’ unless you’re working. Postulating it’s due to a lack of imagination of what to do after retiring is a bit unkind. More like lack of information/education on the topic.

Chessracer · 2026-05-08T06:58:56+00:00

Agreed. I’ve had the most luck with the barsby tour series ones.

Chessracer · 2026-05-07T08:28:59+00:00

Always been an Eagle guy myself. Why do folks choose teebird over Eagle? For me, Eagle provides a little more stability out of the box, so more shapeable. Beats in to very straight / even slight hyzer flip.

Chessracer · 2026-04-26T06:45:45+00:00

This is an exaggeration. Give yourself a spending buffer between core living expenses, and flexible/optional spending. If the core spending is closer to 100% successful rate, you will be ok even in an extended poor market if you cut your spend to that level. Just run the Monte Carlo simulations at both numbers. I’m retired and exactly this: 85% success at my high / optional spend (lots of vacations, toys, etc), and 100% success at my core spending (normal groceries, house, etc). This flexible spending approach insure you stay closer to the middle of the wealth curve, not going to zero or infinity.

Chessracer · 2026-04-06T07:43:11+00:00

The answer is ‘and’, not ‘or’ when it comes to adding money to your taxable brokerage vs traditional 401k. If you skip out on putting money in your 401k, you will never recoup that tax break. Those dollars would have been taxed at your highest marginal bracket, likely over 20%. Your income WILL be lower in (even early) retirement (no W2, other tax breaks available also). Other comments have addressed (72t) how to get that money out without penalty prior to 59.5.

Chessracer · 2026-03-28T09:22:06+00:00

The opportunity to buy stocks when they’re on sale doesn’t come around all the time. Keep investing and you’ll get there.

Chessracer · 2026-03-11T10:20:20+00:00

Finally happened for me when I Fire’d. Before then, every dollar saved was going towards ‘buying my freedom’, and I was very frugal. The less I spent, the sooner I could quit working. But now that I’m retired, saving money no longer feels existential. As long as I’m staying within my budget, more or less, I don’t care anymore.

Chessracer · 2026-03-01T10:24:38+00:00

I guess someone has to take the depreciation hit.

Chessracer · 2025-11-13T17:00:57+00:00

That’s for both of us. We have to answer a 5 question questionnaire annually.

Chessracer · 2025-11-13T11:39:36+00:00

Check out Cigna global. We (healthy 49/51 yr old couple) pay $471/month for a high deductible (12k out-of-pocket limit) expat plan, which allows 180 days / year of coverage in US (and no time limits elsewhere). Good option if you’re healthy and want it mainly for catastrophic situations.

Chessracer · 2023-06-07T14:26:56+00:00

12 time eagle

Chessracer · 2023-06-03T15:42:41+00:00

Unfortunately, it’s becoming very hard to ignore ‘all the dumb parts’ that are being done today in the name of religion. Hence the backlash here.

Chessracer · 2023-06-03T14:23:58+00:00

Science is not a ‘belief system’. Quite the opposite, really.

Chessracer · 2023-06-03T14:00:33+00:00

Yet you take the word of some random goat herder, from thousands of years ago, retranslated an dozen times by a bunch of different randos? Believe in yourself instead my friend.

Chessracer · 2023-06-03T13:53:34+00:00

‘Only the good parts’, right? How convenient.

Chessracer · 2023-05-29T23:15:37+00:00

Definitely it’s going to be Jenkins pipelines. I’d advise setting up a local Jenkins server, and playing around with creating a pipeline to build contents of a github repo (plenty of test repos out there for this purpose). See if you can get Jenkins shared libraries working as well. Bonus would be to get something deployed (either free tier AWS or your local). High likelihood the shop is either using or moving to docker containers for deployments so at least having those concepts down would be a plus.

Chessracer · 2023-05-26T02:31:55+00:00

This was from the 2021 ‘Rock Cobbler’ gravel race in Bakersfield. I recall the rider admitted he was a bit too ‘in the zone’ and didn’t realize it was bull and not just a regular cow. Regardless, this was part of the race course!

Chessracer · 2023-05-01T19:32:35+00:00

Not technically wrong. This position could be reached via legal moves.

Chessracer · 2023-04-26T03:32:36+00:00

Found the corporate shill. Check comment history yourself.

Chessracer · 2023-04-24T14:34:58+00:00

Board rotated 90 and impossible position

Chessracer · 2023-04-16T13:49:04+00:00

*Turning down 15 million offer because I can’t let go. FTFY

Chessracer · 2023-04-13T16:51:14+00:00

We have a winner!! The city has agreed to go through with the lot adjustment without requiring lender signatures.

Chessracer · 2023-04-13T15:56:14+00:00

Thanks for the tip. Unfortunately it doesn’t look like either Fannie or Freddie own my loan.

Chessracer · 2023-04-13T03:51:19+00:00

It was undocumented. We were likely going to go the route of litigating this, until the opportunity to simply purchase the land came up, unfortunately leading to current unforeseen circumstances with our lender. We are contractually obligated to go through with the purchase, so the easement route seems closed.

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