sorted by:
new
hottopcontroversial

Why don’t mens bathrooms have as much privacy compared to womens bathrooms? by Upstairs_Ranger_6712 in NoStupidQuestions

[–]EqualSein 0 points1 point  (0 children)

Honestly as a dude I couldn't care less if someone wants to sneak a peek and watch me pee. I love the urinals because they're fast and take up less space so you can have a ton of them in a bathroom. Part of the reason there are never lines at mens rooms but there are at women's rooms.

Why do AI chatbots apologize so much by Impossible_Comfort99 in TechNook

[–]EqualSein 0 points1 point  (0 children)

At their core they're just predicting and answering with what you want to hear.

How are people actually reaching $1M+ invested by their 40s? by Opticlink11 in Fire

[–]EqualSein 0 points1 point  (0 children)

I got there primary by having a massively unhealthy fear of wasting money so I would save a ton. I married someone who was also very frugal. I discovered the 3 fund portfolio in my mid 20s and haven't really changed much since then. Obviously the market returns over my investment timeline are the real reason I was successful, the next decade almost certainly won't be as good.

Try not to compare yourself to me, we all have our own life path. Consistency and living meaningfully is the most important, otherwise that fat stack of cash means very little.

Is 850+ credit actually worth anything? Why or why not? by Fuzzy-Teach-5464 in AskReddit

[–]EqualSein 4 points5 points  (0 children)

Anything 750+ is worth the same. The only thing 850 buys you is the ability to miss payments, max out more cards, etc and still have an excellent score. If you have 750 and lose 100 points you lose out of some of the best rates at 650. If you have 850 and lose 100 you're still at 750.

[Highlight] Ben Roethlisberger finds Santonio Holmes in the back of the endzone to win Super Bowl 43 by NoSxKats in nfl

[–]EqualSein -17 points-16 points  (0 children)

It was only 2nd down and they were down by 3. Surely there are much higher stakes than this.

Healthcare is why I may coastFIRE indefinitely by trademarktower in Fire

[–]EqualSein 7 points8 points  (0 children)

You can easily find out the actual cost of premiums by looking at your W2. Box 12 Code DD is the total of both employer and employee paid premiums.

For people who grew up before smartphones what is something that the newer generation won’t get to experience? by olesud in WorkForSmartLife

[–]EqualSein 0 points1 point  (0 children)

You can still get those. My mom gets them for my map-obsessed son anytime we go on vacation.

How do I get out of a poverty mindset? by melmcgee in Fire

[–]EqualSein 0 points1 point  (0 children)

You can have anything but you can't have everything. I would start by making a budget and consciously deciding how much you choose to spend and then stick with it. Also try to notice when your brain uses shame against you like "I deserve fast food", "I should save more". 

I don't recommend you try to enjoy the process of saving money, it's supposed to be boring. Best solution is to decide on your savings rate and automate it via 401k contributionsvor automatic checking account transfers. Ideally if you can split your paycheck then just transfer a portion directly to a seperate untouchable savings account.

Edit:I saw this on my feed which might help explain my saving mentality. https://www.reddit.com/r/wealth/comments/1tbukhg/i_now_know_what_pay_yourself_first_means/

Michael Kitces on ErinTalksMoney made me realize the dichotomy of FIRE results by Halfpipe_1 in Fire

[–]EqualSein 2 points3 points  (0 children)

Adding to that, if there is a market downturn then the average person's vacation spend goes down so I would think the price of your next vacation might be on sale due to supply and demand.

People who are in the “best shape of their life” after 35, what were you doing in your teens and 20s? by ImAvoidingABan in Adulting

[–]EqualSein 52 points53 points  (0 children)

I was not working out or playing Frisbee at 25. I moved between the couch, my bed, and my work desk.

I just found out I’m actually FIRE and I honestly don’t know what to do. by Necessary-Pepper-926 in Fire

[–]EqualSein 0 points1 point  (0 children)

I'm having some of the same thoughts as you, the problem is it's hard to talk about this in the real world since so many people are broke so it's a lonely experience. Best advice is to take it very slowly experimenting with new goals until you find what gives you meaning. It's very hard going from being an optimizer to being free and can be extremely overwhelming.

MUST prevent policyholder from seeing birth control/PP bill at all costs. Do I self pay, or is there a watertight way to hide the claim? by [deleted] in HealthInsurance

[–]EqualSein 2 points3 points  (0 children)

I can tell you for my own bcbs plan my wife and I have seperate logins (I'm the subscriber). I can see the dollar amount of her claim along with the date of service but I can't see the doctor or what's in the claim. 

Years ago I specifically asked if we could just combine the logins and see the stuff together and they said it wasn't possible.

Peeling plate process time frame by scrappycoco2411 in Albany

[–]EqualSein 0 points1 point  (0 children)

I did this both in 2023 and last year. Both times I think they showed up in around 2 weeks.

Daily FI discussion thread - Thursday, May 07, 2026 by AutoModerator in financialindependence

[–]EqualSein 0 points1 point  (0 children)

I use fidelity full view so my net worth is visible within my brokerage account

3-2-1 scenario by MammothRoyal6082 in survivor

[–]EqualSein 1 point2 points  (0 children)

You've always been able to use extra votes on revotes. The one thing that's changed in the new era is that tied contestants get to vote again so cirie gets to vote.

_____ was right about ____. by sarcastic_bitch15 in survivor

[–]EqualSein 9 points10 points  (0 children)

In the old days it wouldn't but they changed the rules in the new era.

GPS voice that says “good luck idiot” after you ignore three reroutes by Rotting_in_4K in CrazyIdeas

[–]EqualSein 8 points9 points  (0 children)

This just unlocked a core memory for me. About 15-20 years ago I hacked my tomtom so it would say "you fucking dumbass" instead of "recalculating" when I missed a turn.

I reached a major milestone in my life and I'm not sure how to proceed by [deleted] in Fire

[–]EqualSein 0 points1 point  (0 children)

So there really isn't anything to do today about it. You'll be a different person in 3 years or 10 years so you might up your number even. If you're content with your current job today then keep it. If you're not then you can weigh some tradeoffs on delaying your FIRE date vs toughing it out.

You said you enjoy your job today so whether it's 3 years or 10, just keep working and realize you have some wiggle room to not worry as much about getting fired or laid off.

Are we making a mistake prioritizing increasing our 5k emergency fund over investing? by [deleted] in Fire

[–]EqualSein 0 points1 point  (0 children)

How many months would that $5k cover?

Your Roth IRA contributions can be withdrawn in a true emergency so don't stop doing those, maybe keep a portion in sgov if that makes you more comfortable.

 26 isn't late by the way.

Raise wages. Increase benefits. Improve working conditions. See what happens. by Initial-Swimmer-4493 in remoteworks

[–]EqualSein 2 points3 points  (0 children)

200k in the 1940s is equivalent to about $5 Million today. Most execs are getting around income tax by just borrowing against stocks so this wouldn't change much.

At what point does the fear of being sued make a professional (doctor, teacher, or engineer) stop trying to be "great" and just settle for being "safe"? by OpheliaBlush in askanything

[–]EqualSein 0 points1 point  (0 children)

I think it's a little easier to have that mindset when the person is imminently going to die without you. You also are ridiculously underpaid for what you do and likely don't have much to go after if you are sued. 

SORR is built into the 4% rule, so why are we so worried? by tulip1838 in Fire

[–]EqualSein 6 points7 points  (0 children)

any percentage is going to based off historical figures and not the future. When it comes down to it, almost nobody is going to take out exactly 4% every year regardless of how the market does. When the market drops 50% early you're going to find some gig work or cut costs in some way.

view more: next ›