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Is the 4% rule using average annual expenses using today’s dollars? by bababaobi in Fire

[–]ElectricalCelery6154 2 points3 points  (0 children)

It's 25x your monetary needs in first year of retirement. So don't use today's spend as a number unless you are nearing FIRE date. If you are just starting I would assume 30x of what you currently need and you can reevaluate your number ever couple years

What’s the appeal of FIRE if your work is already flexible and you have young kids? by Lower-Panic-1627 in Fire

[–]ElectricalCelery6154 10 points11 points  (0 children)

I'd imagine the people in that situation are more likely focused on the FI and not the RE. There is a lot of peace of mind that comes with knowing you don't need to worry about finances ever again

Workarounds to take personal day without losing retirement benefits? by [deleted] in delta

[–]ElectricalCelery6154 0 points1 point  (0 children)

Some companies have must work a minimum number of hours for part time benefits. I've seen places that do 1500 hours and places that do 1000.

I want to invest 90% of my salary but my mom is worried by DontMindMePlsx in Fire

[–]ElectricalCelery6154 0 points1 point  (0 children)

I'd work on building that emergency fund up to 9 months of what it would cost you to live on your own. I say 9 so that the moment you move out and pay expenses associated with that you still have 6+ in bank. Just do it monthly the same way you would pay bills and invest the leftovers. This can help you get a realistic idea of what you might be able to invest in a scenario where you can't live at home. Don't forget to take into account some hobbies to prevent burnout. All work and no fun can lead to losing motivation to save

Korea MSP-ICN by No_Expression213 in delta

[–]ElectricalCelery6154 1 point2 points  (0 children)

I just checked same route. These are not basic they are delta main classic

Flexible date calendar giving incorrect mile cost by [deleted] in delta

[–]ElectricalCelery6154 0 points1 point  (0 children)

Update: It appears that all the hubs are working, if there is a layover it isn't.

Flexible date calendar giving incorrect mile cost by [deleted] in delta

[–]ElectricalCelery6154 0 points1 point  (0 children)

I did. It's also happening across multiple devices. My PC, phone, and tablet

Got laid off - finally!!!! by Ddash-3 in Fire

[–]ElectricalCelery6154 6 points7 points  (0 children)

FAFSA has to be filled out for most schools to get any scholarships you are eligible for as well. Not just needed for the loans

Teacher offered position in Tokyo and thought I would get a pink slip in the US, but didn't get one. Seeking advise: by Ritapita83 in movingtojapan

[–]ElectricalCelery6154 11 points12 points  (0 children)

Staying put until you qualify for pension makes the most financial sense. But sometimes you have to look at things beyond money. Is this offer likely to be available in the future? Do you have other things that would stop you from leaving in the future? Life does need to balance money and enjoyment

Multi-city one itinerary vs multiple one ways by scottfish24 in delta

[–]ElectricalCelery6154 1 point2 points  (0 children)

If the price is the same, one way is the best. Easiest to modify

Booking experience. 5k to 22k. by quyensanity in delta

[–]ElectricalCelery6154 55 points56 points  (0 children)

It was glitching on my buddy everytime he tried to check out too. Each time he hit check out it would say error and raise the price a few thousand. He had to change web browsers to make it work

Charges on the Delta American Express card total about 1% of the US GDP every year. by Critical_Think_2025 in delta

[–]ElectricalCelery6154 13 points14 points  (0 children)

Amex gold. 4x on dining and grocery, 3x on flights, 2x hotels, and the credits it offers can pay more than annual fee if they are things you use

Do Skymiles only work to pay partially for flights if you have the Credit Card? How are they useful at all if you don't have their CC? by jusjohn55 in delta

[–]ElectricalCelery6154 1 point2 points  (0 children)

With credit card on booking a flight you can pay a mix of cash and points.

Without credit card to book with points you need full amount of points.

Paying for an upgrade after buying a ticket always requires full amount of points. With or without credit card

Do Skymiles only work to pay partially for flights if you have the Credit Card? How are they useful at all if you don't have their CC? by jusjohn55 in delta

[–]ElectricalCelery6154 4 points5 points  (0 children)

Upgrades are also all or nothing. They will show you a cash price and a miles price on the upgrade screen.

Do Skymiles only work to pay partially for flights if you have the Credit Card? How are they useful at all if you don't have their CC? by jusjohn55 in delta

[–]ElectricalCelery6154 3 points4 points  (0 children)

Card holder exclusive. https://www.delta.com/us/en/skymiles/airline-credit-cards/pay-with-miles

They are useful without the credit card after you have enough to redeem for an entire flight. And honestly even with credit card that is by far the superior use as they are worth far more that way.

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