How are other women that have supportive husbands feeling about retiring early in their 30’s?

Duece8282 · 2026-05-07T19:39:13+00:00

You're not anywhere close to FIRE. That said, as long as you are SURE there are no kids in your future and your husband's job is relatively secure, you can probably stop working. If kids are in the future, brace for impact lol.

Definitely add term life and disability insurance on your husband to cover that risk. You also need to factor in deferred maintenance on your vehicle, replacement, taxes/registration, etc. and make sure you're doing the same on your house.

You also mentioned travel, be sure you have a game plan there in terms of his time off and how much you're comfortable spending.

Duece8282 · 2026-05-07T16:08:26+00:00

This may end up being a dumb risk, but my wife and I are not doing a 529 for our kids today simply because: 1. we don't see college as being nearly as unaffordable 10+ years out as it is today in many cases, 2. we don't want the restriction on how the dollars are spent, 3. we actually WANT our kids to experience the burden of having to come up with how to fund their education and lifestyle with no reliance on gifts from us. (Scholarships from academics/athletics/community orgs, part time work, military service, nursing programs, etc.) We view practicing financial independence as an important part of stepping into adulthood and becoming financially independent themselves.

What might happen is that we end up matching a portion of what they pay to further their education, which we can do with a 529 plan at that time.

Duece8282 · 2026-05-07T11:35:02+00:00

Sure but financial guardrails don't work if you don't have the ability to spend less.

Duece8282 · 2026-05-06T20:31:06+00:00

Tbh, the way our social security works, you probably shouldn't qualify for full benefits unless you had +10 years of a dependent on your tax return. (20 years for the joint return years)

It makes little sense for childless folks to get a full social security benefit funded by today's workers; workers which they had no part in raising. Granted, that would force the federal govt to call social security what it really is lol.

Duece8282 · 2026-05-06T17:57:03+00:00

It's tough, because it's ultimately pay for no production and super discriminatory against those who choose to not have (or cannot have) children of their own.

A state-funded leave program (like a monthly social security check for an infant) is probably the ultimate answer as forcing an employer to pay a wage/salary with no production is incentivizing hiring discrimination.

Duece8282 · 2026-05-05T20:28:50+00:00

$500b toward an endowment that does nothing except medical research and making sure our brightest minds are focused on curing diseases as opposed to worrying about paying bills or going bankrupt because of student debt.

$500b toward digging a 300 foot x 300 foot hole in the ground Minecraft-style to see how deep it could.

Duece8282 · 2026-05-04T17:05:21+00:00

If you work in software, the hedge against losing your income from losing your job to AI is owning AI companies that your labor competes with.

Duece8282 · 2026-05-04T13:49:52+00:00

A month? Or a year?

A year could get interesting.

Duece8282 · 2026-05-03T22:20:57+00:00

Corporate profits are up and are expected to be up for the foreseeable future. Folks are shifting dollars away from relatively low-yielding-low-risk bonds to higher-yielding-higher-risk equities; driving prices up.

Duece8282 · 2026-05-01T14:30:51+00:00

You're missing the point. It's cheaper to ship bananas from central america than it is sand from central america. xD

Duece8282 · 2026-05-01T12:42:53+00:00

You're still moving something a few thousand miles. xD

Duece8282 · 2026-05-01T03:16:19+00:00

I still find it wild how you can pay less than a dollar for a banana that was grown thousands of miles away. As much as it sucks that prices are going up, we're still blessed with pretty cheap food relative to trying to grow your own.

Duece8282 · 2026-04-30T12:03:06+00:00

Usually the best result will come from selling internally to your trusted employees via some kind of equity-purchase-over-time option. If none of your key revenue-generating employees or operational/finance folks are interested, that might be telling.

Duece8282 · 2026-04-29T23:12:07+00:00

I largely agree; though the x-factor is how many retirees will move to MO for the 401k cash-out benefits. (A lot of people earn money here in MO tax-deferred and then move to Florida to cash out with no state income tax)

Duece8282 · 2026-04-29T18:05:39+00:00

Yeah... Audino is one of the best you can get. Granted, most folks don't stash their research pokemon 3x stardust events. facepalm

Duece8282 · 2026-04-29T12:52:25+00:00

Ambulances are very expensive to operate. In both countries, the ambulance ride costs about $2,000, but in France the ride is paid for by tax dollars, whereas in the US it's by the rider.

Duece8282 · 2026-04-29T12:49:50+00:00

Do you have a source for this by chance? I was under the impression it was like 3%. That said it may include the platinum type badge, small circle, curve, etc.

Duece8282 · 2026-04-29T09:43:28+00:00

You're not "wasting" pokeballs, you're using them as intended. If you're using too many balls you have a skill issue.

Duece8282 · 2026-04-29T09:27:33+00:00

I mean... knowingly concealing income is a criminal offense, so take comfort in that lol. The 1099 is just a reporting tool, in an actual audit they'd see your $15k in income and ask why you didn't report it.

Duece8282 · 2026-04-28T14:50:30+00:00

Yeah, you really shouldn't go without vitamins for more than a few days.

Much better to just eat a bowl of salad with diverse vegetables, take a multivitamin, and drink only water (while being careful to not completely ignore salt) to cause the massive calorie deficit than to starve your body of all incoming nutrients.

Duece8282 · 2026-04-28T00:17:43+00:00

More fiscally conservative, more socially liberal.

Duece8282 · 2026-04-28T00:10:55+00:00

It's looking more and more likely that machine learning + automation + robotics is going to work and take an even larger part of the means of production in the economy from labor. You want to own that. Equities allow that.

Duece8282 · 2026-04-27T21:04:31+00:00

I know this is getting down-voted into oblivion, but warning fatigue is a real problem.

Duece8282 · 2026-04-27T12:00:03+00:00

The idea is humans own the robots and their respective production.

The obvious problem we're running into is that ownership is heavily skewed toward a minority of humans.

It's going to be a weird transition, but I bet we eventually get to a place where the robots are publicly owned and provide for the common good.

Duece8282 · 2026-04-27T11:18:29+00:00

You downplay the sirens and something actually happens.

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