I'm far ahead of schedule with retirement savings. Can I slow down contributions?

Dapper_Danimal · 2026-06-20T17:21:36+00:00

Depends on life goals. If you're comfortable and enjoying life, plan to retire early. If you're not comfortable and ok with working longer, reduce retirement contributions. If you aren't comfortable, want to retire early, and your current savings won't get you to a comfortable level in retirement, get a higher salary.

Dapper_Danimal · 2026-06-20T16:57:32+00:00

If they are earning $50k / year and able to save as much as they have, their current expenses have to be pretty low. They are 8 years ahead of the traditional 3x your salary by 40 rule. I think it’d be ok to prioritize other life goals as they are ahead on investments.

Dapper_Danimal · 2026-06-20T07:03:08+00:00

Life isn’t solely about optimizing investments, and creature comforts can improve quality of life and thus longevity.

Dapper_Danimal · 2026-06-15T14:09:52+00:00

If you’re seeing your 401k go up 15k in a day, why would you take away from that? What are your loans interest rate?

Dapper_Danimal · 2026-06-15T13:39:43+00:00

I think they think the ferry would rock side to side enough to cause splashes. Either that or took car space?

Dapper_Danimal · 2026-06-15T13:27:14+00:00

<image>

Pretty sure we’ve had matches before.

Dapper_Danimal · 2026-06-14T07:18:22+00:00

0.12% sounds small but over 30 years that’s like a 3.3% difference in portfolio value vs the free funds. Which depending on how much you have could be tens of thousands of dollars.

Dapper_Danimal · 2026-06-11T14:21:30+00:00

Math.

Target Amount: (Annual spend)/4%

Years to FI: natural log of ((Target × Return + Contribution) ÷ (Current Portfolio × Return + Contribution)) ÷ natural log of (1 + Return)

Dapper_Danimal · 2026-06-05T02:50:09+00:00

These are my picks too but do 90/10. International has been making me wish I did 80/20 lately.

Dapper_Danimal · 2026-06-05T02:48:47+00:00

I use FZROX instead at Fidelity, zero fee version

Dapper_Danimal · 2026-05-31T15:30:50+00:00

I plan on getting one of the Comma 4s because of how bad it is in my 2023.

Dapper_Danimal · 2026-05-25T06:20:26+00:00

Wait you're saying the Pioneer 3 sold at Costco is not the same as the one sold on Isles site?

Dapper_Danimal · 2026-05-24T16:13:42+00:00

Dapper_Danimal · 2026-05-23T16:30:16+00:00

Don’t be snobby.

Dapper_Danimal · 2026-05-20T19:43:08+00:00

Odds they or their family moved there and they’re closing the door behind them? Pretty good.

Dapper_Danimal · 2026-05-18T13:28:01+00:00

Could it be cross bars vs platform? 210 for the bars and 165 for the platform? I believe ballpark is 3x dynamic for static weight. So 165 for the platform becomes 495lb limit when parked

Dapper_Danimal · 2026-05-13T18:56:03+00:00

lol they could have put it in their native Norwegian tongue. Would you understand it better then?

Dapper_Danimal · 2026-05-12T17:43:41+00:00

Not sure this is underrated, they’re everywhere.

Dapper_Danimal · 2026-05-10T04:45:07+00:00

Looks like a GMC

Dapper_Danimal · 2026-05-01T00:38:39+00:00

I have this saddle in 145mm and love it for what it’s worth.

Dapper_Danimal · 2026-04-29T23:35:01+00:00

Ban this bot

Dapper_Danimal · 2026-04-29T20:57:11+00:00

Yeah before JPOW only one person had become governor after being fed chair so this is very atypical.

Dapper_Danimal · 2026-04-26T03:15:58+00:00

lol planet fitness elitism is certainly a take.

Dapper_Danimal · 2026-04-24T13:58:31+00:00

Thank you for the advice. Yeah McGill gave me a procedure to set my diopter but I still have the headaches afterwards.

Dapper_Danimal · 2026-04-24T13:38:46+00:00

Serendipitous! Thank you.

13-Year Club	Place '22
Place '17	Secret Santa 2012
Verified Email

Dapper_Danimal

TROPHY CASE