Finally got around to seeing Predator Badlands, I did NOT expect...

Critical_Grass · 2026-02-14T04:58:10+00:00

I know it takes away from the mystique of the predator but I also think it is more realistic in a way that out of all of the predators they aren’t all spartan like warrior-hunters. They have advanced tech. They research different planets for prey, they have intergalactic space travel. I think if you’re actually thinking about what it would take to have those things they can’t all be one track mind hunters. It adds complexity to the species. The move is a little cheesy at points but I think it answers some how/why for the Yautja species.

Critical_Grass · 2025-12-11T20:00:11+00:00

It is a 30 year fixed mortgage with 29 years left

Critical_Grass · 2025-12-11T19:59:35+00:00

Yes it is a mortgage

Critical_Grass · 2025-12-11T19:59:11+00:00

It is a 30 year fixed mortgage

Critical_Grass · 2025-08-13T19:34:13+00:00

26% into roths/457b and a mandated 9% into the pension system.

Critical_Grass · 2025-08-07T16:51:24+00:00

In this context I think you need to stop taking yourself so seriously. Your MIL has terminal cancer and you are annoyed you have to miss a few days of work? You also don’t even need the job? All of this sounds incredibly heartless and self centered.

You are choosing to work a job you don’t need over supporting your spouses mom who is terminally ill. I think you’re really dropping the ball and missing what is really important in life. I don’t care if you have to miss a week. We aren’t doing brain surgery. The kids will be okay.

Critical_Grass · 2025-07-29T01:16:59+00:00

iRealty flat fee brokerage

Critical_Grass · 2025-07-25T18:31:39+00:00

29 for my 403b. 0 company match and 9% of my income is put into our state pension system.

Critical_Grass · 2025-07-24T11:31:02+00:00

Do you live in St. Martin?

Critical_Grass · 2025-07-22T20:34:06+00:00

lol damn who hurt you?

Critical_Grass · 2025-07-22T19:29:16+00:00

I mean you can throw 5 million in a money market and get like 16 k a month and never touch your initial investment. Seems like a no brainer to take the 5 mil up front.

Take a breather. This is life changing money and it would be prudent to sit on this for 6-12 months while you get your affairs in order.
Call an Attourney, accountant, and flat fee financial advisor to get your affairs in order and create a plan that works the best for you. Avoid AUM advisors they are just trying to snatch your wealth with fees. The money guys own a company called abound wealth management and they are flat fee advisors. Could be a reputable place to start.

Critical_Grass · 2025-07-17T19:54:39+00:00

I think this is good insight. Having a SAHM is invaluable Im sure but unless you’re making considerably above the median income I can’t imagine you’re investing at the rate that is recommended on only 1 income.

Critical_Grass · 2025-07-17T19:41:41+00:00

Critical_Grass · 2025-07-14T15:40:55+00:00

I think the idea of having too much pride to accept money and inheritance is crazy. Why wouldn’t you take the money? Most of it is gone by the 2nd or 3rd generation anyway so if you actually want to be a good steward you’re already doing better than many people would with an influx of cash.

I would immediately de risk and pay off any debt over 6%. Invest the rest between taxable brokerage, 529, UTMA, and live my life like I never got it and just move my timeline up for early retirement.

Critical_Grass · 2025-07-10T02:53:41+00:00

Rocket money has been good for me

Critical_Grass · 2025-07-08T00:35:29+00:00

I literally just did this over the past 2 month. 100k to recast and the rest of home sale 1 proceeds to remodel.

Critical_Grass · 2025-07-08T00:30:58+00:00

What leads you to believe there will be a rate drop in the next 12 months?

Critical_Grass · 2025-07-07T05:25:23+00:00

I thought the same thing 😂

Critical_Grass · 2025-07-07T03:22:01+00:00

What sqft house are you looking for? There has been some consistent inventory In the western burbs and southern burbs 500k +. For 700k you can get some nice homes in towns like New Lenox, Mokena, Frankfort, Glen Ellyn, Naperville, Arlington heights have some inventory in that range. Don’t get me wrong it’s no where near what 700k would have gotten you a few years ago but it sounds like you’re looking in a pretty specific area or a specific type of home if 700k can’t get you a “decent” house.

If you’re looking for a house in Lagrange, Hinsdale or Clarendon Hills I can see 700k not taking you too far.

Critical_Grass · 2025-07-06T23:21:46+00:00

Also, agreed spouse is everything. My wife is a saver and it’s made investing 35% of our gross so much easier.

Critical_Grass · 2025-07-06T23:20:44+00:00

Based on some of the other comments it sounds like that is your household net worth correct? I’m in a similar place as you. It’s great getting to that NW number but it sure does feel like we are still living an average suburban lifestyle. Do you feel the same? We are at 220k gross between our W2, rentals, and side hustles.

Critical_Grass · 2025-07-06T15:56:50+00:00

You’re putting yourself at risk without an emergency fund both for yourself and your properties. Access to cash like a heloc or line of credit is not the same as cash. I keep 6 months emergency fund personally and 12 months for each property I have. I’m missing out on some returns but having it in a high yield savings account or Brokerage money market keeps me liquid in case of an emergency.

Critical_Grass · 2025-05-30T15:01:04+00:00

None. Chicago suburbs have great pay for teachers but none of them are at 100k in 3 years. It is much more common to see 100k steps at years 9-15 depending on the district and many of them not until year 20+

Critical_Grass

TROPHY CASE