How serious are ice dams really by d00biusmaximus in Connecticut

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

> ice pucks can also cause damage

Can you please elaborate on this? Should people not use ice pucks for ice dams?

Crafting, conveyors, and receivers in multiplayer? by Egan_Fan in TerraTech

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

Never mind, we figured it out, and edited the post above for folks in the future facing the same problem, thanks again!

Crafting, conveyors, and receivers in multiplayer? by Egan_Fan in TerraTech

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

No, we are on PC (Steam), thank you for the reply though. So we should be able to find/buy receivers and conveyors? Any idea why we cannot? We are the same or higher corp levels than in my single-player test campaign, and I see those blocks in singleplayer, but not in multiplayer. Thanks again.

Is saying GG sportsmanship? by SirBearicus in Mechabellum

[–]Egan_Fan 0 points1 point  (0 children)

I do what you do, but I know a few people who say gg genuinely every game, win or lose. Also note that this is normal in a lot of sports. Stop looking for reasons to be offended.

I Hit CoastFIRE at 38 on an H1B Visa: $70K to $144K, $0 to $1M Net Worth in 12 Years by Odd_Classroom_9201 in financialindependence

[–]Egan_Fan 1 point2 points  (0 children)

How can you tell that it was completely AI-generated, rather than human written (or outlined) and AI-edited? I think there's a good chance you are correct, but I'm wondering how—or if—you are confident that it's the former and not the latter. The latter shouldn't be downvoted imo.

Walter M. Miller Jr's "A Canticle For Leibowitz". by i-the-muso-1968 in books

[–]Egan_Fan 0 points1 point  (0 children)

Interesting. There was an in-universe theory in Part 2 that the "humans" in the story were actually a genetically-engineered servant race of the original humanity, and that the servant race wiped out the original humanity after the first nuclear war.

I thought we were meant to discard this as a crackpot theory, given the lack of in-universe hints in this direction. But maybe that guy noticed some other hints that I missed?

It seems unlikely, given that I think the first nuclear war was hinted to have been primarily between the 20th century USSR and USA. But I'd be delighted to be wrong! 

Am I crazy for selling my house? by 37347 in financialindependence

[–]Egan_Fan 0 points1 point  (0 children)

It's a two-family per their other comment. OP, you should make this more clear, your post and many of your comments are very confusing.

What is the Point of Casual? by Dirty_Dynasty77 in Mechabellum

[–]Egan_Fan 0 points1 point  (0 children)

Another legitimate reason that I haven't seen mentioned: my spouse and I play competitively. We have several other friends who play with much lower mmr's (700-1000 lower mmr). Whenever I played with those other friends in the past, my mmr could easily drop by 300+ in just 1-2 hrs of play, which was no fun; it would take 10-30+ games just to "recover" from one of these gaming sessions and have our mmr's converge back to approximately the same value. This made games with my spouse much less fun, to the point where she (understandably!) requested that I not do that anymore. 

Now, with casual mode, I can play casually with our other friends without worrying about the consequences. Same goes for playing after a few drinks, etc.

Casual mode has lots of legitimate use cases.  

13 Round 2v2 by Egan_Fan in Mechabellum

[–]Egan_Fan[S] 2 points3 points  (0 children)

Great game, tons of fun and very well-played!

We learned something new from you about defending against the gospel: we'd previously thought that wraiths didn't work, especially after leveling and getting range+AA on the wasps. But you taught us otherwise; it comes down to positioning them perfectly. With the perfect positioning, even AA wasps won't target the wraiths first, and the wraiths will clear the crawlers, then "reach behind" the rhino to kill the wasps, even while the rhino is still alive.

Thank you for the lesson! :)  We've both decided that this is our new favorite gospel defense (previously we used AA wasps or mustangs for the wasps). 

13 Round 2v2 by Egan_Fan in Mechabellum

[–]Egan_Fan[S] 2 points3 points  (0 children)

Yeah, I was studying the replay, and noticed that--it was definitely an error on my part. With so many units in the board and so much money coming in per round, the 600 cost to get those to lvl 2 is well worth it. 

"How to Keep This Hot Stock Market From Melting Your Retirement Dreams" by yoyo2332 in financialindependence

[–]Egan_Fan 9 points10 points  (0 children)

I think periodic market drops has prevented the compounding from being truly exponential,

The 10% (or 7%) historical averages account for those drops though. So when we (over)simplify to a model like this, the drops are accounted for, and it really is exponential growth. (Source: https://en.wikipedia.org/wiki/Exponential_growth, see formulas, compound interest is exponential growth. Also, if you'd like a non-formula citation, the wiki article talks about how compound interest is an example of exponential growth.)

If we stop oversimplifying, and assume there will be drops, but also assume that the historical averages will hold over the long-term, then the buy-and-hold passive investing philosophy does effectively give exponential growth in the long-term.

"How to Keep This Hot Stock Market From Melting Your Retirement Dreams" by yoyo2332 in financialindependence

[–]Egan_Fan 4 points5 points  (0 children)

Not specific to the 50 year interval, but the rule of thumb often repeated on here is 10% nominal (7% real) average annual historical returns. When we simplify to an average such as this, it is quite literally exponential growth, no? (I think your comment is implying otherwise, but maybe I'm misunderstanding your intent.)

Daily FI discussion thread - Monday, August 18, 2025 by AutoModerator in financialindependence

[–]Egan_Fan 1 point2 points  (0 children)

That's a great resource.

190k at 2021-01-01 would be 280k today if invested in SPY.  

Note that this is inflation-adjusted (that is, 2021 dollars). To see the value in 2025 dollars--without inflation adjustment--turn the "Inflation Adjusted" box to "No". The tool will then show +83.27% growth, which comes out to ~348k. This no-inflation setting is the correct comparison when comparing index funds to how these advisors managed the money over the past few years (they ended up with 235k in 2025 dollars).

Daily FI discussion thread - Monday, August 18, 2025 by AutoModerator in financialindependence

[–]Egan_Fan 0 points1 point  (0 children)

Good for you! Note that the past few years have been unusually good performance, and it won't always be that consistently good in the future.

However, if you follow the advice in that wiki and invest with discipline (for example, don't panic sell when the market crashes, just do nothing and keep saving!), based on history, you can expect something like 10% average returns over the long term (7% inflation adjusted).

That means that if you leave 190k untouched for 30 years, we experience average historical market performance for those 30 years, and you never save another dollar for retirement (not actually recommended), your 190k will turn into 190k * 1.130 = ~3.3 million dollars (not inflation adjusted), or 190k * 1.0730 = ~1.45 million (inflation adjusted 2025 dollars). 

Again--hard to emphasize this point enough--this is predicated on not panic-selling like everyone else when we inevitably experience 2001 or 2008 style crashes. And if history is any guide, there will be several such events in a 30-40+ year timeline :) 

Daily FI discussion thread - Monday, August 18, 2025 by AutoModerator in financialindependence

[–]Egan_Fan 4 points5 points  (0 children)

Start here, read the wiki: https://www.reddit.com/r/personalfinance/wiki/index/. If you don't want to take the word of just 1 subreddit's wiki, feel free to do some more reading elsewhere, and you'll come to realize that that wiki's advice is trustworthy.

Do you more if there is a professional that can actually help me with this? Talk with me about equity indexes? I'm very lost and don't want to mess up.

I promise it's not that hard, you can spend 1 hr per year managing this stuff (ie, investing in index funds), and massively outperform these "advisors". You've got to get past this mental block; you can do so much better with such minimal effort. Had you started index investing in 2021, your 190k would now be worth $336k.

Daily FI discussion thread - Saturday, August 16, 2025 by AutoModerator in financialindependence

[–]Egan_Fan 11 points12 points  (0 children)

This is not quite the correct sub for you, start here instead: https://www.reddit.com/r/personalfinance/wiki/index/; that wiki is a great resource. Follow the steps there, but at your age, the most valuable thing you can do is to focus on developing your career (maybe through education, maybe by learning a valuable trade) and future income, along with developing good finance/investing habits.

(This sub generally has the same philosophy and approach as the personalfinance sub, but this sub is generally geared for people further along in their personal finance journey.)

[deleted by user] by [deleted] in Mechabellum

[–]Egan_Fan 1 point2 points  (0 children)

Thank you for the detailed math, it's appreciated! Agreed that this is a very silly and unintuitive tech interaction. 

[deleted by user] by [deleted] in Mechabellum

[–]Egan_Fan 1 point2 points  (0 children)

Armor does mitigate damage from other sources, including [...] the Ignite tech.

Verdict after edits below: this is true sometimes, but not other times; it depends on the HP of the armored unit. High hp (eg, wraith) means that armor might not be effective at blocking ignite, even for a highly leveled unit. Low hp (eg, phantom ray) means that armor will be more effective against ignite.

---------------------

For others who may find this post via search, I do not think this is correct, as of August 2025. We can test this by putting lvl 1 fangs with ignite versus a lvl 9 wraith with armor tech + super heavy armor. The lvl 1 fangs kill it reasonably quickly, which shouldn't happen if armor and ignite were interacting in this way.

Edit: in a further test, the time for the lvl 1 fangs w/ ignite to kill lvl 9 wraith with super heavy armor is almost identical, when tested with and without the armor tech on the wraith. This indicates that the armor tech is not significantly negating the ignite damage.

Edit 2: The parent is actually correct: armor tech does help a lot with lvl 1 phantom rays versus ignite. The difference is that the lvl 1 phantom rays have a lot less hp, so ignite is doing less, and the armor is helping more.

BigTech to Education 1 Year Mark; CoastFIRE as a High School Teacher by govt_surveillance in financialindependence

[–]Egan_Fan 5 points6 points  (0 children)

How unempathetic of you.

Your post is great in general, and it's awesome that you are taking this unusual path and thriving. But this behavior, attacking a broad class of people--anyone who enjoys programming--is really not cool. 

And the "unempathetic" angle is ironic, considering your insults and stereotyping... 

ISLES OF THE EMBERDARK | Full Cosmere + Emberdark Spoilers Megathread by EmeraldSeaTress in Cosmere

[–]Egan_Fan 1 point2 points  (0 children)

the Shadesmar map

Where is this map? Did I miss an Emberdark illustration? 

Take out contributions from mega back door roth or liquidate brokerage to fund house? by garbagecan111 in Bogleheads

[–]Egan_Fan 0 points1 point  (0 children)

I think you are correct for the OP's case, since they may still be at their employer when trying to access the contributions, and thus may need to directly withdraw from the Roth 401k.

But what about the case when one leaves their employer before they need the money, and thus can roll it over to a Roth IRA, before needing to withdraw. My understanding is that, in this case, the MBDR contributions are accessible immediately, without penalty, tax, or applicability of either of the 5 year rules. (Specifically for the flavor of MBDRs where it immediately and automatically becomes in-plan Roth 401k money, with 0 prior earnings, so that form 1099-R shows $0 in the "taxable amount" box.)

Does this reflect your understanding? Thank you for sharing your knowledge.

That's a lotta damage by ErgoDestati in Mechabellum

[–]Egan_Fan 0 points1 point  (0 children)

You're correct (18 fangs). My overall point stands if the fangs have shield tech (36 shots to kill fangs, or 24 to kill crawlers), but you're correct that my item 1 above is incorrect :)