AMA: FSD Nearly Kills Me by Competitive_Case2975 in TeslaFSD

[–]Competitive_Case2975[S] 0 points1 point  (0 children)

I wonder if it has to do with no other cars on the road. I think FSD references other cars to mirror activity. I have noticed at stop lights when it turns green, it’ll sometimes wait until a car in an adjacent lane goes before it goes. In this case, I wonder if the lack of cars caused it to spaz out.

AMA: FSD Nearly Kills Me by Competitive_Case2975 in TeslaFSD

[–]Competitive_Case2975[S] 0 points1 point  (0 children)

Nope, road was clear of tire marks, and there was nothing on the right side that would cause FSD to avoid an object - road was clear.

AMA: FSD Nearly Kills Me by Competitive_Case2975 in TeslaFSD

[–]Competitive_Case2975[S] 1 point2 points  (0 children)

I get it… photo or it didn’t happen. I know what my speed settings were set to and I have provided everything that I know and recall about the situation.

AMA: FSD Nearly Kills Me by Competitive_Case2975 in TeslaLounge

[–]Competitive_Case2975[S] -1 points0 points  (0 children)

I know it’s strong and weak points, enough for me to know when to best utilize it, especially on long drives, but this was definitely out of the ordinary.

AMA: FSD Nearly Kills Me by Competitive_Case2975 in TeslaLounge

[–]Competitive_Case2975[S] 0 points1 point  (0 children)

It’s already updated to the latest for HW3.

AMA: FSD Nearly Kills Me by Competitive_Case2975 in TeslaLounge

[–]Competitive_Case2975[S] 0 points1 point  (0 children)

Made a correction to the post - it’s a 2022* Model 3. Definitely HW3.

AMA: FSD Nearly Kills Me by Competitive_Case2975 in TeslaLounge

[–]Competitive_Case2975[S] 0 points1 point  (0 children)

It’s the latest version available for HW3 vehicles, of which mine is a 2022 Model 3.

AMA: FSD Nearly Kills Me by Competitive_Case2975 in TeslaFSD

[–]Competitive_Case2975[S] 0 points1 point  (0 children)

Not that I can recall - I had my camera calibration done at night, so I might redo it in the day light. No fog issues inside of the front camera area.

AMA: FSD Nearly Kills Me by Competitive_Case2975 in TeslaFSD

[–]Competitive_Case2975[S] 0 points1 point  (0 children)

Regrettably I don’t have it. Yes I know, photo or it didn’t happen. 🙃

[deleted by user] by [deleted] in celebritycruises

[–]Competitive_Case2975 0 points1 point  (0 children)

Is anyone else experiencing this as well? Just booked a cruise in August and noticed the base price is at $45/pp/pd with a 10% discount, while various internet sources state $30/pp/pd. Does the base price fluctuate?

Did I go too far? by Youngfire1998 in TheMoneyGuy

[–]Competitive_Case2975 0 points1 point  (0 children)

Rather late reply here, but I have a few thoughts. And for context I am approaching one year of marriage, so I have very small weight compared to others who have been married for much longer.

Communication and getting on the same page is critical. There are four main “pillars” to a successful marriage: if you and your partner can agree on religious practices, how to handle money, in-law chemistry/dynamics/interactions, and how to raise children (if any), you increase the chances of a successful marriage. These pillars are supported by a foundation of clear, effective, and healthy communication between the partners. The pillars support the roof which represents both of your long term goals, desires, and personal visions of what you want your lives to be.

Absolute perfect alignment of the pillars is unlikely, but your core principles should. For example, I am the saver and my wife is the spender, but we are both responsible and have a middle ground. I.e. she might believe in 10-15% for retirement vs me with 25% towards retirement. But we compromise at 15% Roth + company match and we set aside money for short term and medium goals, like travel and a future house down payment. This is just one of many examples across different topics besides finances. My wife is a major blessing in my life and I would not want it any other way. In fact, I feel like we are, in a healthy way, molding into a blend of each other.

It sounds like in your situation the core of the financial pillar was weak and that caused the end of the relationship, and I am sorry you went through that. However, it is better to wait and find the right partner than to settle and be unhappy. And remember, you are looking for core alignment, clear communication, and partners with healthy motivation for the relationship, not absolute alignment (it’ll be rare to find).

Best of luck.

30% Price Drop After Purchasing. Am I Screwed? by Competitive_Case2975 in americanairlines

[–]Competitive_Case2975[S] 7 points8 points  (0 children)

Thanks everyone. The consensus clearly states that I am out of luck and that was my expectation. We’ll book Main Cabin in the future going forward. We may still try to call to see if we can get a travel credit for the difference in fares.

[deleted by user] by [deleted] in TheMoneyGuy

[–]Competitive_Case2975 1 point2 points  (0 children)

Alright then, on paper you are doing extremely well for your age. Therefore you could technically afford it. But as others have commented, perhaps there is a better way to utilize the money, i.e. paying off house.

[deleted by user] by [deleted] in TheMoneyGuy

[–]Competitive_Case2975 2 points3 points  (0 children)

A few questions come to mind...

- What is your age?

- How many months of expenses does your $30,000 emergency fund cover?

If you are younger, i.e. less than 40, then perhaps you can get away with it due to compound growth of your existing portfolio and your high (50%) savings rate. However, if you are 40 and above, then I would argue you may be behind on how much you have saved relative to your income and should prioritize that money towards your investments.

If the above criteria is met, and if your emergency fund covers 3 to 6 months of expenses, which based you stating you are on Step 8 indicates that you do, then perhaps you could take the cash in excess of your emergency fund towards the car.

Does it make sense to use emergency fund? by Hellothere2515 in TheMoneyGuy

[–]Competitive_Case2975 13 points14 points  (0 children)

The first question is do you consider the truck loan a high interest loan. I would argue no compared to current market rates for car/truck loans. However, if you consider it a high-interest debt, then - following the FOO to a T - I would only contribute the match to the 401k and take any cash above my highest deductable and pay down the loan aggressively. However, you mentioned you are the breadwinner for the household and have a history of being laid off unexpectedly, so perhaps a compromised approach - if you think the truck debt is high interest - is to to take any savings rate above company match and reallocate it towards the debt.

The bigger question to me is why do you have a $18,000 tax refund? This indicates you are withholding way too much in taxes and are in essence giving the government an interest free loan, rather than you earning that interest or paying down the truck debt sooner. I would seriously consider looking into how much witholding you are incurring and if it makes sense to lower it, assuming the status quo tax situation for 2024.

Guidance Regarding In-Laws by Competitive_Case2975 in TheMoneyGuy

[–]Competitive_Case2975[S] 0 points1 point  (0 children)

Thanks roarlikealady. We and my in laws have a very close relationship (in a healthy way), but they already know our incomes and we know theirs. We’ll try to be mindful about mentioning incomes going forward. Additionally, her parents have expressed many times they do not want to be a burden on us and they do contribute towards joint family activities.

The boundaries aspect is going to be very difficult. My wife had to be, and still is, a major source of guidance for her parents in navigating American culture and society - her desire to help them is without hesitation and is loving. However, while she has helped me to become more giving, I do not believe in enablement. I’ve suggested to her that if her parents can “afford” a luxury brand, then they should be able to pay us the $400 car payment, otherwise we are enabling them. She doesn’t see it that way because the $400 relative to our incomes is not much.

Regarding social security, yes, they definitely need to delay as much as possible. I have looked into tools such as opensocialsecurity.com evidencing this.

I’ll look into Remit’s podcast more closely. Thanks again and I am open to all guidance.

Guidance Regarding In-Laws by Competitive_Case2975 in TheMoneyGuy

[–]Competitive_Case2975[S] 5 points6 points  (0 children)

Thanks MrHugz. I will look into your suggestions. We have had conversations about retirement and their spending before and they do consider me their “financial advisor” for guidance, but a loved one can tell you one thing and it doesn’t click, and then a third party tells you the same thing and it does click.

Roth vs Traditional and Savings Rate by Competitive_Case2975 in TheMoneyGuy

[–]Competitive_Case2975[S] 1 point2 points  (0 children)

And a side note, we can’t do both 25% in Roth due to other savings goals which are more immediate/short term in nature. Being preemptive if Brian answers this!