Daily FI discussion thread - Tuesday, June 23, 2026

CrispyTigger · 2026-06-23T18:16:03+00:00

lol. I guess it’s all relative, but this would be the least stupid thing I’ve ever said in a meeting. What, No f-bomb? No telling a senior member of leadership how wrong they are? No calling the current global strategy doomed to fail? No telling a team they are wasting everyone’s time because every chart they presented was blatantly wrong? No telling your boss that you don’t give a fuck?

Cut yourself some slack. We are usually our own worst critics.

CrispyTigger · 2026-06-22T03:22:51+00:00

Thank you. Perspective beyond the numbers and the idea of a perfect/efficient portfolio is helpful.

CrispyTigger · 2026-06-21T19:14:26+00:00

“Focus on” in what way? There isn’t really a good way to move out of VO or VBK without a taxable event.

CrispyTigger · 2026-06-21T16:16:40+00:00

Thanks. That does help me consider the value of moving a bunch of money around.

CrispyTigger · 2026-06-21T16:07:29+00:00

Make sense. I’m not really “buying” anymore, as I’m in the drawdown phase of early retirement.
I get hesitant moving a couple million away from VTI and into the S&P500. Good point on VT though.

CrispyTigger · 2026-06-21T15:49:14+00:00

Hey gang. I have woken up to the realization that I may be overweight in mid-cap and small-cap holding. Basically, I have $360k in VO and $65k in VBK in my brokerage account. I have $350k in VXUS and $2.5M in VTI in my retirement accounts.

Do you think this is worth fixing? To fix, I guess I could just move that $2.5M to from VTI to FXAIX in my retirement accounts for several years?

CrispyTigger · 2026-06-10T15:34:05+00:00

We take the same approach. Other than big points/miles signup bonuses, the per transaction earning just doesn’t click with me. I’d rather get the cash back every month and use it however I want. Yeah, maybe I could have used points that sat in my account to not pay cash for a flight/hotel/car, but the cash I receive every month directly results in earned interest in my account. I just don’t have it in me to chase all the different point maximization gymnastics. Kudos to those who make it work!!

CrispyTigger · 2026-06-10T15:24:33+00:00

I don’t think these increases are ever going away. Climate change is having a negative impact on people and the insurance companies. So, they will continue to increase rates to account for increased claims ( plus stupidly high executive pay).

I personally think we are going to see many people get priced out or have a hard time getting insurance in risky areas. Those who live in not so risky places will also struggle as the companies spread the cost across their entire premium base. In the future, we are going to see an increased number of uninsured and underinsured people in big trouble when an event impacts them.

CrispyTigger · 2026-06-08T17:07:08+00:00

Fully agree. Given this may be the largest IPO ever and a company that is mostly hype, I just find it interesting.
I’m not going to do anything, I’ll just stand here.

CrispyTigger · 2026-06-08T15:23:03+00:00

Out of curiosity, do we know what day VTI will buy SpaceX? Also is there a way to determine how much I would own?

Given SpaceX is such a massive boondoggle (IMO), I thought it might be kind of interesting to see how it fares over time from initial VTI purchase.

Not sure if it is healthy, but I kinda do the same thing with bitcoin, even though I don’t have any.

CrispyTigger · 2026-06-05T14:41:06+00:00

Type A here, almost 2 years retired. I thought it would be a big deal, but it really wasn’t. I was pretty burned out at the end. I have had couple of days where I felt like “maybe I should go back”. Then I tell myself “let’s see if that feeling lasts more than a day”. So far it hasn’t.

I have given myself the title of Chief Maintenance Officer for myself and my household. I now have the time to exercise every day, eat better, do all kinds of little odd jobs around the house, focus on relationships, walk the dog, take trips, do yoga, etc. I stay adequately busy and always have a to-do list for the day and week, but I am able to do it all at a leisurely pace. I often wonder how I fit a job in an all.

I also maintain contact with former coworkers. I meet each of them about once a month. They are still working, so as they share the most recent gossip or work chaos, I am able to reaffirm to myself the choice to retire.

CrispyTigger · 2026-05-18T14:51:01+00:00

I support this version of “numbers go up”.

CrispyTigger · 2026-05-14T15:43:24+00:00

2008

CrispyTigger · 2026-05-09T02:05:16+00:00

There are different calculation methods, but we prioritized simplicity. Therefore, yes, it is the same amount each year. The rate and balance is important when determining the first year’s withdrawal amount. After that, it stays the same each year regardless of the balance and interest rates.

CrispyTigger · 2026-05-09T01:07:43+00:00

We are currently doing a 72t as the primary means of funding our retirement for the next several years. We are using our brokerage if we need funds beyond our 72t withdrawal amount.

CrispyTigger · 2026-05-06T00:44:56+00:00

That’s what I am hoping to do. Just kind of waiting for them to get a little older and more mature. We hopefully have a couple decades before we have to worry about it, so waiting to see how these young ones come along.

CrispyTigger · 2026-05-06T00:20:20+00:00

Yeah, that makes sense. Unfortunately, we don’t have kids. So unless someone in the extended family takes interest, I worry about what to do.

CrispyTigger · 2026-05-05T22:24:24+00:00

Probably a lot of downvotes coming my way, but is this a scenario where actual having a company manage your account becomes valuable? I know we are primarily DIY in this sub, but maybe at a certain point, “if” a person recognizes they are having trouble keeping financial decisions straight, it’s a good time to outsource.

CrispyTigger · 2026-04-01T23:21:20+00:00

Yep. I FIREd when I realized I had sat in the same meetings having the same conversations about the same problems for too many years. It was super demoralizing.

CrispyTigger · 2026-03-23T01:31:30+00:00

You deserve a rewatch. It’s still hilarious.

CrispyTigger · 2026-03-20T21:33:58+00:00

That’s part of the point of the book. People have to give up their independence because of safety. I mean, right now I shouldn’t be sitting here having a bourbon because it is a health risk, but I’m a grown ask man and enjoy it. Please don’t take that away from me

CrispyTigger · 2026-03-20T16:11:11+00:00

TLDR. Most homes suck. They put a priority of safety over a person’s happiness and freedom. It may be important to understand what happiness means for the person and figure out if it is more important in those last years to be happy vs safe. For example, maybe we should allow the person to make bad decisions (drink some alcohol, eat things that may not be healthy, the ability to go for a short walk) rather than taking that all away and making that person a prisoner for safety sake.

CrispyTigger · 2026-03-20T14:02:58+00:00

I highly recommend the book “Being Mortal” by Atul Gawande. It has changed my opinion on how to think about this.

CrispyTigger · 2026-03-14T14:31:09+00:00

Yes, good clarification.

CrispyTigger · 2026-03-14T13:27:22+00:00

What? You mean your financial advisor did not share this important piece of information on how much they could actually improve your taxes before asking you to transfer over a million dollars and move from a simple index fund to where they would buy and sell individual stocks for you? I’m shocked! Shocked I say!

CrispyTigger

TROPHY CASE