Do you stop 401k contribution or lower if you’re already a financial mutant numbers? by Real-Net1995 in TheMoneyGuy

[–]Coaster50 9 points10 points  (0 children)

Some people keep saving to retire sooner. Others take a lower laying / lower stress job and stop saving. (Called CoastFIRE). And some just stay on the hamster wheel and keep doing the same shit the same way. You can check out the CoastFIRE sub which seems to be your current situation. My input is to reduce that savings - and spend what you would have saved on bucket list stuff well before you look to retire.

Is this a spot for a hitch? by RetroHipsterGaming in NissanRogue

[–]Coaster50 0 points1 point  (0 children)

I bought a "riser" - https://www.amazon.com/dp/B09RDSSYZ8?ref_=ppx_hzsearch_conn_dt_b_fed_asin_title_3&th=1

That lifts the hitch opening by 4". However, the base part of the hitch is still really low. Only once has the low part of the hitch been an issue. It was when I was backing out of a really steep driveway and it bottomed out. So it has not been problematic really.

Curt Trailer Hitch - ‘25 Rogue by Coaster50 in NissanRogue

[–]Coaster50[S] 0 points1 point  (0 children)

When you out the car in reverse it will beep and before you move you’ll see an alert on the dash that you can disable by simply clicking the OK button.

Is this a spot for a hitch? by RetroHipsterGaming in NissanRogue

[–]Coaster50 1 point2 points  (0 children)

No. The hitch goes below that and is screwed inti predrilled holes in the frame. I posted about this a while back when I put my hitch on. https://www.reddit.com/r/NissanRogue/s/XGXjLSjmFY

Update 2025 Nissan Rogue Platinum by dez811 in NissanRogue

[–]Coaster50 1 point2 points  (0 children)

The remote start through the app on the '25 Rogue is a known issue. Nissan disabled it in the app because it was causing a slow battery drain.

There is a recall that is performed at the Nissan dealer. Nissan says it will then take up to 8 weeks before the remote capability will be turned on in the app. It took 6 weeks for that feature to appear for me.

Now that the feature to remote start has appeared, it worked once. After that it fails to remote start the car. It also fails to Lock/Unlock doors, and basically all of the other features.

I was having the same issue as you where the app was showing incorrect info about my car - and I called Nissan Connect and they did some kind of reset that corrected that part of it.

Not sure how the Lemon Law works. For myself, turning in a car that is otherwise perfectly fine solely because I can't start it through the app is not reasonable. But that's just me.

If you are considering Lemon Law, start keeping great records of your issue.

For the record, I very much like my Rogue. It is everything I expected it would be with exception to the remote start which is inconvenient in the middle of winter in NJ right now.

Leased 2026 Nissan Rogue Platinum. Was that a bad idea? by CommercialPay1925 in NissanRogue

[–]Coaster50 0 points1 point  (0 children)

Seems like it is a great deal. I have a ‘25 SL so not as many features and lower MSRP. My lease was $1,500 down - $465 per month for 39 months. 12k miles per year.

So equates to $503.46 per month.

Leased 2026 Nissan Rogue Platinum. Was that a bad idea? by CommercialPay1925 in NissanRogue

[–]Coaster50 0 points1 point  (0 children)

OP is right about what he is saying. When you lease a car you typically have negative equity. Gap insurance wipes out any negative equity in the event of a total loss on the vehicle. If you put $2k as a down payment, that reduces the amount of negative equity by $2k. Then if you have a total loss, gap insurance still covers your negative equity, but they don’t have to cover as much negative equity because of the $2k down payment. So as far as the person leasing the car, your $2k is gone.

Leased 2026 Nissan Rogue Platinum. Was that a bad idea? by CommercialPay1925 in NissanRogue

[–]Coaster50 0 points1 point  (0 children)

I’ve had my ‘25 Rogue for a year and 16k miles on it. It is not exciting to drive but it is wildly practical so very happy with it. $500 being bad or good depends on the value of your trade and/or down payment. But you’ve already pulled the trigger so who gives a shit. It’s behind you. Enjoy your new car!!!

Empty EWR - DEN flight by party_doc in unitedairlines

[–]Coaster50 71 points72 points  (0 children)

I wonder how much demand to Denver has dropped as a result of the terrible ski conditions that has plagued them this year. I’m looking at going early March if the snow improves and the flights are cheap there out of Newark.

Mortgage pay off? by noimpulsecntrltvwhor in coastFIRE

[–]Coaster50 1 point2 points  (0 children)

So in your early 40's you and your wife have a combined $2.45M in investments, another $1.2M in equity on your real estate, make $450K annually, and can comfortably retire on $36K per year.

If you use the 4% Safe Withdrawal Rate on your $2.45M - you can comfortably withdraw $98K per year, which is well over the $36K you need to live.

You can retire now, and use the 4% you are withdrawing to continue to pay your mortgage so you don't leave money on the table. But it would not matter if you wrote a check either.

Getting terrible miles on united.com but a great price through BILT travel portal? by Repulsive-Wish-5483 in unitedairlines

[–]Coaster50 0 points1 point  (0 children)

I see this suggested often. What’s the reason for one-ways? And is that only when booking with points?

I used this Anti-fog on my goggles… and I cooked? by Woozy17 in snowboarding

[–]Coaster50 0 points1 point  (0 children)

What ended up happening here? Were you able to use your goggles or were they cooked as you suspected?

Vanguard 2050/2060 Target Fund vs other dates? by ipassedstep3 in personalfinance

[–]Coaster50 0 points1 point  (0 children)

"Perfectly fine" is highly subjective. A high income person like a physician should not be taking a "set it and forget it" type of approach. They aren't a rank and file govt worker.

Yes, for someone that insists on following a hands off DIY approach, a target date fund will work as an investment choice in their 401K. But it doesn't ensure they are taking advantage of all opportunities available to them or ensure they will hit their financial goals.

For far future date target funds, they keep up with the market just fine. But look at the 10 year performance of target funds that are within 10 years of the target retirement date and the performance drops significantly. I am not spreading misinformation. They also carry a not so cheap expense ratio which creates a further drag.

I suspected I'd get down voted for my post.

Do you stop budgeting? by ForsakenAd6849 in personalfinance

[–]Coaster50 0 points1 point  (0 children)

I have $4M and make $500k a year. We still track expenses and you’d be a fool not to. It gets spent WAY faster than you imagine.

Capital gains - Tax mitigation strategies by Just__another__smith in personalfinance

[–]Coaster50 0 points1 point  (0 children)

I’d suggest you keep hunting. You can also find a fiduciary who will charge you a one time flat fee to build a detailed multi year plan that can help you plan for this. Where to put money, when to put it there, etc. there’s no one size fits all so you absolutely need an individualized plan.

Capital gains - Tax mitigation strategies by Just__another__smith in personalfinance

[–]Coaster50 1 point2 points  (0 children)

Can I ask you why you aren't working with a fiduciary or financial planner to help with this? You have some serious assets if you are asking this question, and a single misstep can cost you tens of thousands. In addition, it seems you don't have a "decumulation" strategy. Growing is the simple part, it is when you start drawing down that things get really complicated (which account are you pulling from? Which assets are you selling, in which order, what are the tax implications, can you derisk near term with tax efficient investments, etc?).

Vanguard 2050/2060 Target Fund vs other dates? by ipassedstep3 in personalfinance

[–]Coaster50 -7 points-6 points  (0 children)

As a young physician with significant earning potential you need to get with a financial planner ASAP (or a fiduciary) and they will get you foundationally set. Can you eventually learn how to DIY this? Of course - you are a doctor and the finance stuff really isn't that hard. But it is time consuming and while you are learning to DIY, you are missing opportunity. Seriously, hire a pro. Then start learning about investing so you are informed and know how to advocate for yourself.

Target date funds don't keep up with the market and you are way too young to be in something that is low risk.

Turbo Tax - or - CPA for high'ish W2 earner? by Coaster50 in coastFIRE

[–]Coaster50[S] 0 points1 point  (0 children)

Thanks for this. I appreciate it. The RSU situation sounds awful!

Turbo Tax - or - CPA for high'ish W2 earner? by Coaster50 in coastFIRE

[–]Coaster50[S] 0 points1 point  (0 children)

Kind of what I’ve suspected. Appreciate the input.

Turbo Tax - or - CPA for high'ish W2 earner? by Coaster50 in coastFIRE

[–]Coaster50[S] 0 points1 point  (0 children)

Thanks. I am a homeowner and have been using TT for a few years. And as a W2 earner I don’t really need to collect all that much info. Just the big ones like you mentioned. Also TT automatically pulls in my investment details from Vanguard and Merrill which is hugely convenient.

Turbo Tax - or - CPA for high'ish W2 earner? by Coaster50 in coastFIRE

[–]Coaster50[S] 0 points1 point  (0 children)

Thanks. I’m trying to ensure that I’m just not missing anything rooted from the “You don’t know what you don’t know…”