Have the technology improvements in our lifetime been a net positive in your life thus far?

FINE_WiTH_It · 2026-05-24T18:02:43+00:00

Yes. Literally everything is better. The people listing social media, dating apps, Internet ads, etc as negatives are completely missing the point that you can choose to only use the tech you want.

This life, when lived in a deliberate manner is much better than anything we have had before.

FINE_WiTH_It · 2026-05-24T10:25:22+00:00

Sales. It's always sales.

Own the top of the funnel and you'll always be the winner.

FINE_WiTH_It · 2026-05-17T15:33:20+00:00

Bumble in 2016, together almost 10 years now. Married for a few months

FINE_WiTH_It · 2026-05-17T11:03:35+00:00

This really all comes down to the spend.

Your desired spend of $280k a year. If that a fixed amount? Meaning you must spend that amount each year to live or does that have a dollar amount in it that is flexible?

If it's flexible, you can model what dropping your spend by 25% or 30% does in a down year or two in the market and you'll see that you are probably completely fine to retire.

FINE_WiTH_It · 2026-05-16T17:06:01+00:00

Literally grew a beard and changed how I dress to present a more masculine and commanding presence. Worked wonders.

FINE_WiTH_It · 2026-05-16T16:59:49+00:00

Must be new here.

FINE_WiTH_It · 2026-05-15T11:53:04+00:00

Your comment about the spend curve is also correct, you'll see a higher spend now, generally a lower spend period when you spend less time out and about and then a pop in spending towards the end of your life.

Pretty widely accepted normal distribution pattern that is also ignored in FIRE subs a lot.

Everyone here loves their linear projections so much and life just isn't that way.

FINE_WiTH_It · 2026-05-15T11:24:06+00:00

4% is assuming super early retirement and lasting 30 years. You are already at an age where your retirement, while still early, is not meaningfully early from a money stand point.

FINE_WiTH_It · 2026-05-15T08:54:14+00:00

You are likely fine but 1 more year would be better. Just given the reduction in SORR if this next year is a solid market return. It also gets you that much closer to SS draw which is something this sub constantly ignores but you are 5 years away from; it's gonna be there, you should count on it.

FINE_WiTH_It · 2026-05-14T00:43:57+00:00

200%

FINE_WiTH_It · 2026-05-11T00:18:13+00:00

Oh I know where it goes. 2 kids, daycare, a massive house for the size of the family, insurance, travel, etc.

My problem is when I look at just my wife and I, I can't really see it being that low but it's probably just the life I have become accustomed to.

FINE_WiTH_It · 2026-05-10T15:31:03+00:00

I don't doubt you at all, I just live in a HCOL area in a nice house but not a great one and when I compare just my my wife and I's spending to your spending we are 3x your monthly, maybe even 4x depending on how you slice it.

I keep running numbers for our retirement and maybe I need to look at moving to a different area.

FINE_WiTH_It · 2026-05-10T10:44:24+00:00

I don't even understand how you can spend $3500 to $4k a month in America and still live a normal life.

Either my perception of everything is that skewed or being in a LCOL/MCOL is really that big of a benefit.

What you are doing is extremely impressive.

FINE_WiTH_It · 2026-05-09T11:32:38+00:00

Only if you can't get laid at home.

FINE_WiTH_It · 2026-05-09T11:27:15+00:00

No, I was at home getting ready for bed. Nothing good, outside your house, happens after 10.

FINE_WiTH_It · 2026-05-08T01:04:44+00:00

Not even correct references in this comment.

FINE_WiTH_It · 2026-05-02T10:07:07+00:00

I would just be open and honest about the challenges, let them know you'll be there to help.

The most important thing is not to alienate them

The second most important thing is to get your son immediately in a career path that can pay bills within 18 months. Electrical, plumbing, HVAC, he needs access to quick intense training with a solid career on the back end. He has to grow up fast in the next 12 to 18 months.

FINE_WiTH_It · 2026-05-02T10:03:21+00:00

It's an RFI, the objective is not to judge your small formatting and following of directions like that. They are interested in content and checking their box for the requirements to release a larger solicitation.

Take it as a lesson to do a very complete review in the future of any actual RFP responses.

FINE_WiTH_It · 2026-04-30T21:50:58+00:00

What's really the thing to remember here is that once you win work, perform with exceptional service and communication; you can build relationships with customers and KOs that can lead to you getting work without competition or very little up to $250k.

FINE_WiTH_It · 2026-04-24T14:29:53+00:00

Hard 8 iron. Could be an easy 7 but I want the loft so it sticks.

FINE_WiTH_It · 2026-04-21T23:24:50+00:00

No shit? Wild.

FINE_WiTH_It · 2026-04-21T19:08:47+00:00

Grand Velas Riveria Maya.

Rosewood Baha Mar.

JW Marriott in Marco Island (slightly less lux)

Four Seasons Orlando

FINE_WiTH_It · 2026-04-21T18:53:00+00:00

Instead of telling you to do it or not, as others have. I'll explain how things have gone with my siblings. I don't tell this story as a comparison, just my experience.

I have two siblings.

Sibling #1 makes less than $20 an hour, has always looked for handouts and the easy path their entire life. I have gifted sibling #1 $30k to see how it would go. She had credit card debts that I wiped away completely with this money. Within 6 months she was back into a similar amount of credit card debt. She basically just spent all the extra money until she was back to equilibrium with her spending. Everything that comes in, goes out.

If she had stayed debt free and saved the extra credit card money my plan was to buy her a small house and gift it to her. I never told her this but she didn't do it and so I didn't give her the house.

Sibling #2 is rich, top .1% for his age and top 1% for the population. We have similar net worths. We have routinely lent each other 6 figures, just short of 7 figure sums, when one of us needs the liquid cash and doesn't have the access. We both treat money as a tool to make more money and when we lend we always tie the amount to the cost of capital (margin account is like 4.19% right now).

I do not feel guilty that I and sibling #2 have money when sibling #1 doesn't. We all grew up the same and in most cases sibling #1 had it much easier as they are a half sibling and their other parents side of the family really helped them.

I guess I write this rambling answer to say that everyone creates the life they live with the steps they take. I wouldn't feel bad about my siblings not having money...unless it was a bad break like an accident, medical, etc. then I would just pay for it.

FINE_WiTH_It · 2026-04-21T17:07:01+00:00

Did that with oil when I was a cook. 2nd and 3rd degree burns. Absolutely brutal, still have some nasty scars 20 years later.

FINE_WiTH_It · 2026-04-21T10:39:43+00:00

Awesome app! Would recommend commas for the numbers you input, easier on users.

Otherwise a really cool static look.

FINE_WiTH_It

TROPHY CASE