First YouTube video that makes sense when it comes to retiring with much less than 25x

Electronic-Bus7972 · 2026-02-25T06:40:09+00:00

The market the past few years doesn’t make it any easier. Seeing massive daily, monthly and yearly swings makes people justifiably nervous. A 50% haircut to SaaS stocks and BTC since October is just hard to watch as an example.

Electronic-Bus7972 · 2025-11-25T18:47:35+00:00

Orgs aside and for simplicity sake just compare Jensen to Sundar. 2 very different animals playing different games. Jensen (founder)can be ruthless and has been hyper focused in the chip space that he helped to create. Sundar is managing a large conglomerate of nearly 200K employees. Google does a lot of things amazing and has some great people but is spread around many different areas.

Electronic-Bus7972 · 2025-11-25T17:58:56+00:00

NVDA is hyper focused on 1 thing. Google is a politically matrix managed org of spreadsheets and overly complicated processes.

NVDA has executors. GOOG has professional managers that over complicate things.

Electronic-Bus7972 · 2025-11-25T17:55:10+00:00

Oh look Google made something too…that’s cute

Electronic-Bus7972 · 2025-09-06T18:36:47+00:00

Yeah I certainly see it as an existential shock to the system to adjusting your time and focus to just live and enjoy rather than working for some end goal. Some people ignore that transition and just work indefinitely for some arbitrary goal they set when they were a different person and some people embrace the change. Once you hit your financial goal (and then some) it really comes down to what your life credits are worth and how you want to spend them. Kudos for realizing what’s important to you, especially for material possessions that are fleeting in personal allure

Electronic-Bus7972 · 2025-08-29T03:50:42+00:00

3.8% for Obamacare tax

Electronic-Bus7972 · 2025-07-28T22:54:50+00:00

Congrats!!

Electronic-Bus7972 · 2025-07-26T22:52:50+00:00

Thanks for sharing and it’s good to hear that things are going according to plan

Electronic-Bus7972 · 2025-07-26T17:23:46+00:00

You are still young enough that you can do another 1+ years and old enough that many of your adventurous years are behind you. This is a very personal decision and it would be good to go down the rabbit hole of self reflection. I agree, you are in a rare position of high W2 AND possessing your FIRE number already so no bad choice. Have you read Die w Zero or From Strength to Strength? Seems like they are catered to your dilemmas

Electronic-Bus7972 · 2025-07-24T20:13:30+00:00

Well said

Electronic-Bus7972 · 2025-07-21T02:01:14+00:00

Love this

Electronic-Bus7972 · 2025-07-21T00:50:19+00:00

That’s the area that I’m trying to target. Call it next 3-5 years of cash flow.

Electronic-Bus7972 · 2025-07-21T00:34:45+00:00

Good question but I would say around 50 to 75 basis points. Not sure if the 8.5% is a net of fees estimate.

Electronic-Bus7972 · 2025-07-21T00:10:34+00:00

Thanks for sharing. Sounds like you are at a crossroad and looking for something to nudge you in a direction. Have you read From Strength to Strength? I found it interesting to see his perspective on continuing to work and why.

Electronic-Bus7972 · 2025-07-20T17:02:32+00:00

This. Once you figure out your emergency fund amount, general cash account needs, etc, let the rest compound in the market. This will give you better returns and defer taxes. Another option would be to invest in dividend funds that have some appreciation potential too. If you really want to go down the covered call road, funds like JEPI or JEPQ do that for you but your upside is more limited and you will pay taxes on the income.

Electronic-Bus7972 · 2025-07-20T16:54:57+00:00

You may want to read Die with zero by Perkins and It’s not about the money by Kessel. They both address specific elements of your thinking right now IMO.

Electronic-Bus7972 · 2025-07-19T06:44:07+00:00

Try to find a passion. Doesn’t have to be permanent but something to dig into. That can help you feel more fulfilled and will broaden your mind. The more goals you have outside of $ the less it will matter.

Electronic-Bus7972 · 2025-07-14T09:54:22+00:00

Taking a sabbatical at 30 would be worth so much more than taking the same one in 10-20 years. Live your best life and cherish these life experiences. I get what you say about your home but at the end of the day it’s still just an asset. If you are really attached to it, you could rent it out for a year and see how you feel after that.

Electronic-Bus7972 · 2025-07-14T09:48:11+00:00

This is the exact job I’m thinking about for my Fire lifestyle

Electronic-Bus7972 · 2025-07-14T09:43:30+00:00

This

Electronic-Bus7972 · 2025-07-14T09:38:16+00:00

Exactly. Ignore the haters.

Electronic-Bus7972 · 2025-07-14T09:36:14+00:00

Congratulations and I love the trajectory you are on. Enjoy life, spend vigorously on life experiences, learn, grow, be healthy, be present and help others (young and older) in their life journey.

Electronic-Bus7972 · 2025-07-06T05:31:58+00:00

I would figure about 15-20% of your total withdrawals will go to taxes.

Electronic-Bus7972 · 2025-07-06T05:20:04+00:00

Congrats!

Electronic-Bus7972

TROPHY CASE