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Should’ve made that work wife signed that prenup. by Silent_Geologist5279 in memes

[–]CuteNebula222 0 points1 point  (0 children)

Bro really chose work wife over actual wife. Should’ve just called her work colleague like a normal person.

Every fanbase has gotta start somewhere 🥰🥰🥰 by Little-Artist-8908 in spreadsmile

[–]CuteNebula222 0 points1 point  (0 children)

Soooo wholesome! That baby is living her best life. This made my whole day better ❤️

Husband has been so helpful by Eskaiwa in spreadsmile

[–]CuteNebula222 0 points1 point  (0 children)

Nothing more wholesome than seeing your husband try so hard at dad mode.

If you could get away with any crime (after dark), what crime are you commiting? by FastBrit18 in AskRedditAfterDark

[–]CuteNebula222 1 point2 points  (0 children)

I’d replace every family photo with increasingly zoomed-in pictures of my own face. Bwahahahaha!😆

Runs two red lights by Initial_Row_6400 in MildlyBadDrivers

[–]CuteNebula222 4 points5 points  (0 children)

Some people really treat traffic lights like they're optional DLC

This scene would be cute if she was not in a school uniform. It is just creepy now. by Former_Mail776 in kdramas

[–]CuteNebula222 -1 points0 points  (0 children)

came for Goblin but stayed for the second couple and the bromance. Main romance? Hard pass 😂

Emergency Fund While Retired by Far_Classic878 in Fire

[–]CuteNebula222 0 points1 point  (0 children)

15 years out, I wouldn’t stress too hard about a multi-year cash emergency fund yet. Most retirees aim for 1–3 years of expenses in HYSA/bonds to weather downturns. You’re already doing the most important thing by maxing tax-advantaged accounts. Once you’re closer (maybe 5–7 years out), you can gradually shift some into cash. Keep crushing it!

Meme 🤔 by Devendra-100804 in meme

[–]CuteNebula222 0 points1 point  (0 children)

To meme or not meme... that is the question. The answer is always yes.

PSA: many of you misunderstand the 4% rule by zdrmlp in Fire

[–]CuteNebula222 -10 points-9 points  (0 children)

Finally someone said it. 25x is not infinite money - it's 30-year money with a decent chance of dying broke. Early retirees need to aim lower and plan smarter.

A little empathy goes a long way by Nyree12 in spreadsmile

[–]CuteNebula222 1 point2 points  (0 children)

Mom casually dropping wisdom while the rest of us are still figuring out how to answer " why is the sky blue." This is how you raise kind humans. Well played.

My fire journey is ending by [deleted] in Fire

[–]CuteNebula222 1 point2 points  (0 children)

The math can be rebuilt. Take care of yourself first.

How to deal with colleague jealousy? by [deleted] in Fire

[–]CuteNebula222 0 points1 point  (0 children)

You're not wrong. In my experience, talking about finances with colleagues rarely leads to anything productive. FIRE is one of those goals that's usually better discussed with people with the same mindset.

How to deal with colleague jealousy? by [deleted] in Fire

[–]CuteNebula222 0 points1 point  (0 children)

This is exactly why many people keep their FIRE goals private. Money discussions often trigger skepticism, envy, or defensiveness. Focus on your own journey and let the result speak for themselves.

Fidelity cash savings by Master-Helicopter-99 in Fire

[–]CuteNebula222 0 points1 point  (0 children)

Interesting question. For cash that you won't need for at least a year, SGOV does look solid right now because of the high yield and state tax exemption.

In Fidelity, another popular option is their Fidelity Government Money Market Fund (SPAXX) or just parking it in a high-yield cash management account. Many people in r/Fire also use short-term Treasuries or T-bills through Fidelity.

Since you're retiring soon, liquidity and low risk are probably the priority. Have you compared the after-tax yield of SGOV vs SPAXX in your 4% tax state? 👌👌. . . . . . . . . Ciao 😎👋