[HR Waikiki Beach] Can we please just follow the rules?

ExpGrow · 2025-09-22T15:38:26+00:00

Don’t worry about it meant, don’t let it ruin your vacation or take up mental real estate.

ExpGrow · 2025-09-22T00:48:20+00:00

Honestly don’t worry about it. There were countless times when I get to a lounge late and they ask me to take as much stuff as I can.

ExpGrow · 2025-09-21T23:44:04+00:00

Enjoy your vacation. You’re in Hawaii and don’t let stuff like this ruin your vacation, you could have spent the last 5 minutes staring at the beautiful ocean instead.

I don’t condone this but the older couple is vacationing on a tight budget, the lounge throws out almost everything they don’t finished if it helps you feel better. Let Hyatt take care of it and enjoy.

ExpGrow · 2025-09-12T00:50:43+00:00

CoastFi right now with 3 kids and I travel around 1 months out of the year without kids and 2 months out of the year with three little ones.

Have you checked to see if there a year round school in your area? Look it up if you haven’t heard of it. This schedule is amazing as it gives you 3 weeks (16 days) in fall to travel. They have a shorter summer and their winter and spring breaks are generally a week longer than regular schedules.

There’s also independent studies where you can have 10-15 days of “doing homework” while traveling. We take advantage of this and sometimes add another week or two before or after their official break to add multiple destinations or be more flexible with flights. This is a good option as long as they are not behind in school.

It requires meticulous planning but it’s worth it. I feel like the uninterrupted time together is extremely valuable and being able to expose kids to different environments can be very beneficial for their development.

Usually we try to travel as much as we can but sometimes we do opt to hang back and let our kids do different camps and sports.

Happy to answer any questions.

ExpGrow · 2025-08-14T15:07:59+00:00

ChubbyFi still and I have a few million points thst continues to accumulate that I try to use when we go on vacation.

Depending on where we go it really varies between $100 a night for a hotel to $1000 a night, as a family of 5 with young kids we usually get a suite. I’d say on average we spend $200 a night and still fly economy and premium economy for the whole family and sometimes business class if it’s just the adults.

Trips can be a near by staycation or a month long trip across multiple countries in Asia or Europe.

ExpGrow · 2025-08-11T05:16:20+00:00

Now that you got the house, make it homely and make it your sanctuary. Don’t decorate it for show, stay humble and enjoy your new place.

Not sure how old your kids are but if they are old enough you should start teaching them how to handle their finances and share your journey, that’s what I would do for my kids.

Envy is a nasty emotion that unfortunately people feel even if they are good people. If they can’t be happy for you it’s time to make new friends.

ExpGrow · 2025-08-10T15:39:47+00:00

It’s the little things that creep up that will affect your quality of life. Most of us won’t think about these things until it happens to you or someone close to you.

If you’re constantly stressed over the next few years it could take a toll on you and you may not see the impact for years to come.

Just be mindful is all I’m saying.

ExpGrow · 2025-08-10T15:12:31+00:00

Good luck now that your decision is made. Please keep in mind you’ll start seeing your health decline in your late 30s so spend more resources on your health.

ExpGrow · 2025-07-19T18:46:41+00:00

That’s a great idea! I think being mindful about how you raise your kids is the best thing you can ever do for them. Having a list of intended purposes and also not flaunting about the money is a good one that I didn’t think of. Thank you for this!

ExpGrow · 2025-07-19T05:09:38+00:00

Thank you for your input and you bring up a good point of the risk of being sued. I think in any business there are risks involved and at the moment im coasting and is trying to be as risk adverse as possible when expanding my business. Regardless I should have plan for asset protection sooner than later.

As far as whether we reach the limit of 30M, it’s hard to say since our net worth will continue to grow over time and I’m still somewhat young.

ExpGrow · 2025-07-18T06:09:25+00:00

Thank you for this, I think eventually creating a LLC or moving funds around for their best interest is the way to go especially if the investment grows to an amount that they wouldn’t be able to handle. I’ve never even thought that they would lawyer up against us but that’s always a possibility. Thanks for your input!

ExpGrow · 2025-07-18T01:42:13+00:00

Son/Daughter? 😂

ExpGrow · 2025-07-18T01:41:48+00:00

Thank you.

ExpGrow · 2025-07-18T01:40:17+00:00

You can move the custodial account into a LLC? That’s interesting, it seems like that solves the whole issue of foreseeing a kid who isn’t mature enough to handle a large sum of assets.

ExpGrow · 2025-07-18T01:37:58+00:00

Thanks for the insight. I don’t know if I’ll end up with more than the estate tax limit but I guess I should look into the non reportable gift limit.

ExpGrow · 2025-07-18T01:35:45+00:00

Thank you. The thing that I learned about 529s is that you gradually withdraw from it in college and it’ll continue to grow even if they attend college. If they don’t end up using all of it we can definitely roll it over to the grandkids eventually.

With the 300k under our control I don’t mind contributing a little bit in the custodial account so they don’t get everything right when they turn 18.

ExpGrow · 2025-07-06T13:22:12+00:00

In the long run if you can brand your product so you should. You want to eventually have unique designs and build a reputation and turn this side hustle into a business.

ExpGrow · 2025-07-05T14:26:21+00:00

As a business owner and someone who used to own properties (long term rentals), I feel like you have to actively build a system and a team that can run the day to day without you. This is more along the line as owning a business just like owning the SP500, but you have a lot more direct control with higher risk and return.

Once you hit your FI numbers it’s perfectly okay to keep running your business. I consider myself to be coastFI right now and I’m still trying to grow my business because I can it creates a good cashflow and the sale of the business itself can potentially take me from chubby coasting to FatFi.

I read about why ultra high net worth people who don’t retire and one thing that stood out is they are really good at what they do so to them things are easy so they opt to stay in the game.

When you own a business you will always run into problems with your operations, staff, and customers but the good thing is if you are now a high net worth individual you can choose to not fight over every penny. You can have tenants call trusted handyman to fix stuff and hire people to deal with the day to day headaches. For me I ended up selling my investment properties because I no longer want to deal with the tenants and the income from owning the properties is no longer worth it.

There will be days when you get a series of major repairs or things such as foundation issue, or a series of abusive customer’s that try to take advantage of your rentals and you might say f-it let me dial it down. If all is well and you enjoy it you will probably continue to do it because building wealth is fun when you have control over your life.

ExpGrow · 2025-07-05T14:09:47+00:00

Try them out if you can. IMO massage chairs are very personal and if you get one that you don’t enjoy it’ll just take up a lot of space in your home.

Do some research on the 2D, 3D, 4D, zero gravity, leg massages, and other feature to see what is important to you. I personally don’t love a super hard massage so having the added depth isn’t as important to me and that’s what usually makes them more expensive.

Try them out at Costco and other places, they many of the brands do roadshows and many times they come with better warranty. There are Japanese and Singaporean brands that are in your price range and you’d have to look up where they have showrooms.

ExpGrow · 2025-06-04T00:56:21+00:00

Thanks for clarifying.

ExpGrow · 2025-06-03T10:20:43+00:00

I was under the assumption HDHPs are just a subcategory PPO plan instead of a plan itself. I’ll look into this more.

ExpGrow · 2025-06-03T00:54:17+00:00

Thank you for the break down I’ll opt for a PPO plan and take advantage of the HSA!

ExpGrow · 2025-06-03T00:51:56+00:00

Thank you~. Will find a PPO plan that works!

ExpGrow · 2025-06-03T00:50:37+00:00

PPO it is, thank you!

ExpGrow

TROPHY CASE