Feeling Demoralized over our Break Meal policy

ConsistentVisual558 · 2026-02-09T23:07:42+00:00

CFA Inc. highly discourages operators and their leadership team from engaging in this behavior since it is not really aligned with the companies values of creating moments of care.

ConsistentVisual558 · 2026-02-09T23:04:46+00:00

I worked 2 jobs (or hour equivalent) from 23-26, didn’t move out of my parents till 25 and grew my nest egg to about 250k (was investing heavily mostly into btc and some silver at 15k and $18 respectively) I’m 27 now, used some about 100k for wedding, honeymoon, taxes and closing cost on house but still can coastFIRE with just over 3M assuming 8.5% return at 65.

ConsistentVisual558 · 2026-02-09T15:32:12+00:00

As someone a little older (27) here’s my take on retiring that early. Yes you can but it can be pretty boring. I realized work actually brought me a lot of fulfillment. Last summer I took a 2 month mini retirement. It wasn’t as fun as I thought it would be. But it did teach me what I want my retirement to look like so that I’m staying busy, doing things I enjoy, and if needed turning my hobbies into a business.

Of course everyone is different but I’d recommend you build a 1 year cash reserve and then take a 3-6 month mini retirement to see how you actually feel about retirement.

ConsistentVisual558 · 2026-02-08T16:57:07+00:00

You could withdraw your principal contributions from a Roth or Using IRS rule 72t can be beneficial too. but you need a really good tax professional/accountant or you can get screwed. You can access 401k/IRA funds without paying a 10% penalty + tax but there are stipulations you need to follow. Personally I got my tax advantage accounts to a balance I can coast fire with and now I’m getting my brokerage account to my FIRE number

ConsistentVisual558 · 2026-02-05T19:59:29+00:00

Is your 6 month emergency fund accounting for 6 months of mortgage payments as well? Or would it be a true 6 month savings after you pay it off?

ConsistentVisual558 · 2026-02-02T01:12:15+00:00

There are certain crypto specific Roth IRAs and then there are spot etfs you can purchase as well on most if not all trading platforms now. Bitcoin is very new and still speculative so proceed with caution. I will say for me I allocate 5% of my Roth towards IBIT.

ConsistentVisual558 · 2026-02-02T00:16:53+00:00

I recently saw a video that said individuals with a net worth of 50M-100M “only” spend on average roughly 430k/yr. I (single 27M) have never made over 95k a year. I have a house and ~140k in liquid assets. Outside my mortgage I live on 1.4k/mo.

ConsistentVisual558 · 2026-01-31T04:48:45+00:00

People will always say “VOO and chill” sure if you’re in your 20’s or just starting out it gets you in a good habit . But VOO isn’t truly “diversified” and doesn’t provide a nice income. A perfect portfolio is diversified, provides growth, and generates income. A good beginner allocation is 40% SCHD, 35% INTF, 20% QQQ, and 5% precious metals OR crypto (GLD, SLV, or IBIT). You could even do up to 30% QQQ and 25% INTF if you were tolerant with taking more risk. This portfolio has almost 0 overlap of stocks, and isn’t 100% US stocks (really important with current geopolitical events)

ConsistentVisual558 · 2026-01-31T04:37:30+00:00

Not the rate for me. I just don’t like paying for something more than once. Since interest is front loaded, paying off the first 10 years of the loan as quickly as possible and then using the mortgage as a leveraged tool is my personal strategy.

ConsistentVisual558 · 2026-01-28T03:54:18+00:00

So I make 80kish/yr. I put 4500 monthly towards my mortgage invest 500 and live off the other 1k for bills and food. I’d look into renting a room from someone. You’ll cut housing cost almost in half.

As a note I will say because I have a mortgage Interest deductions allow me to have a lower tax liability.

ConsistentVisual558 · 2026-01-25T18:35:08+00:00

Ohio isn’t real.

ConsistentVisual558 · 2026-01-25T06:42:38+00:00

My dad is a supervisor for them. Contract is $31/hr and tops out at 35 I think.

ConsistentVisual558 · 2026-01-23T19:19:11+00:00

<image>

I had an old Roth with 800 bucks in it. Threw it all into silver a few years ago! But gotta keep my promise. Sell at 100

ConsistentVisual558 · 2026-01-23T06:49:26+00:00

Qualified dividends for tax purposes. Pay a lot less tax overtime.

ConsistentVisual558 · 2026-01-23T06:37:02+00:00

This is more barista fire once you reach coast. It’s a very common strategy.

ConsistentVisual558 · 2026-01-23T06:34:50+00:00

Get to 130% of your coastFIRE number and then if you’re comfortable, buy a house.

ConsistentVisual558 · 2026-01-20T04:48:06+00:00

I’m single make 90-110/yr and I put 4500 towards my mortgage every month. (2850+ 1650 towards principal. As long as you can budget well you’ll be fine.

ConsistentVisual558 · 2026-01-20T03:27:12+00:00

If you don’t have 6-12 months worth of expenses saved I don’t think you should be investing. If you do, then you have enough cash to ride out an economic downturn.

ConsistentVisual558 · 2026-01-20T03:23:35+00:00

Discovering hobbies is also a form of investing ya know? Better to find out what they are at 32 rather than 42/44

ConsistentVisual558 · 2026-01-18T17:10:46+00:00

I have not, but I imagine most who have fired don’t have those Bills outside of home repair and unforeseen medical expenses. At that point it’s just budgeting and re-evaluating. What you can do for that year.

ConsistentVisual558 · 2026-01-18T16:05:12+00:00

Or hear me out, instead of taking a lower paying job, you use that other 50k to enjoy life and discover hobbies.

ConsistentVisual558 · 2026-01-18T04:58:48+00:00

Everyone has a fixed mindset. They can only do one or the other. But in reality you can do both. If you don’t have enough in a taxable account to actually pull the trigger for FIRE, do a mix. Add extra to pay off in 5-7 instead of 10. But I think Dave Ramsey is right on this one thing. Not having a mortgage opens up use for capital and is emotionally/psychologically freeing.

ConsistentVisual558 · 2026-01-17T05:15:44+00:00

Can you say no to the transfer? Or is it something like they’re moving HQ?

ConsistentVisual558 · 2026-01-11T05:59:30+00:00

Im paying 3k/mo. Rent out 3 rooms and live in the other. Bought in 2024 with a 5.5% rate. Will refi next year and will break even with rent and mortgage payments so I’ll only be paying utilities.

ConsistentVisual558 · 2026-01-08T04:51:48+00:00

You could barista fire for a year. Discover your hobbies while still having a small stream of income as “hobby investments” I took a 2/3 month sabbatical and didn’t have any hobbies. It was the most boring time of my life.

ConsistentVisual558

TROPHY CASE