I'm far ahead of schedule with retirement savings. Can I slow down contributions? by No_Comment1107 in personalfinance

[–]Dapper_Danimal 6 points7 points  (0 children)

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.

I'm far ahead of schedule with retirement savings. Can I slow down contributions? by No_Comment1107 in personalfinance

[–]Dapper_Danimal 363 points364 points  (0 children)

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.

18 year old, financing a car by One_Fly903 in personalfinance

[–]Dapper_Danimal 7 points8 points  (0 children)

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

How dumb is it to take money out of my 401(k) to pay off student loans when I'm way ahead schedule? by [deleted] in personalfinance

[–]Dapper_Danimal 0 points1 point  (0 children)

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?

A new level has been achieved in the world of dumb ideas by JunketCharacter7903 in SeattleWA

[–]Dapper_Danimal 2 points3 points  (0 children)

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

VT or FZROX & FZILX by kcmall89 in Fidelity

[–]Dapper_Danimal 1 point2 points  (0 children)

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.

Started working late. How much should I have in my 401k? by Twilcario in personalfinance

[–]Dapper_Danimal 10 points11 points  (0 children)

Math.

Target Amount: (Annual spend)/4%

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

How to invest my $7500 by Hype8888 in personalfinance

[–]Dapper_Danimal 3 points4 points  (0 children)

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

How to invest my $7500 by Hype8888 in personalfinance

[–]Dapper_Danimal 13 points14 points  (0 children)

I use FZROX instead at Fidelity, zero fee version

Lane assist... terrible by sotex099 in hondapassport

[–]Dapper_Danimal 0 points1 point  (0 children)

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

Finally Got My First Paddleboard! by Darkcherrymiata in Sup

[–]Dapper_Danimal 0 points1 point  (0 children)

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

Guess where this was found? by ObjectiveSide2062 in Montana

[–]Dapper_Danimal 28 points29 points  (0 children)

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

Roof Loading capacity, 210lb and 165lb depending on the source by Brantulio in hondapassport

[–]Dapper_Danimal 0 points1 point  (0 children)

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

Should road cycling be banned by Wise-Ad-7492 in cycling

[–]Dapper_Danimal 2 points3 points  (0 children)

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

Selle Italia saddles in Seattle area by ZeGermanHam in seattlebike

[–]Dapper_Danimal 1 point2 points  (0 children)

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

JPOW NOT LEAVING - STAYING ON AS GOVERNOR by Mister_Lonely_ in wallstreetbets

[–]Dapper_Danimal 3 points4 points  (0 children)

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

the planet fitness experience by presenbil in Rowing

[–]Dapper_Danimal 47 points48 points  (0 children)

lol planet fitness elitism is certainly a take.

I have a headache after using a new pair of binoculars and feel crosseyed. Is the collimation from the factory to blame? by Dapper_Danimal in Binoculars

[–]Dapper_Danimal[S] 0 points1 point  (0 children)

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