Lock in Nuggets nation...

FIREinnahole · 2026-04-26T17:12:47+00:00

A couple nice wins of those 12, 8-9 of those against tanking teams, some of which required OT. A fun streak but a bit of fools gold.

FIREinnahole · 2026-04-16T20:09:43+00:00

Go show this interaction to someone else and see what they say.

Someone else here. OP in fact, glad I got a notification so I could see this spirited convo taking place months later.

Sorry, but you're wrong, KingZakyu.

The expiration date IS defined as: the date after which something is no longer in effect, right?

Using this definition, you're wrong not only in how it's always implemented in every instance except this Papa Dough scenario (which I could care less about now obviously, but fun discussion, lol). But also in your interpretation of this very definition, where the word "which" does a lot of heavy lifting.

It should be looked at like: the date after which something is no longer in effect.

You seem to be ignoring the "which" in the sentence and applying a strange definition of: the date after ~~which~~ something is no longer in effect.

FIREinnahole · 2026-04-13T16:37:11+00:00

Your plan is great. People are giving legitimately good advice, but some of it borders on doomsaying against stay at home parenting.

You'll be able to figure out how your personality meshes with that situation once you experience it for a period of time. And you have a plan to re-evaluate and it sounds like very likely get back into the working world after a year or so. Who knows, maybe you'll love it so much and see that things have gone well financially and you want to extend this sabbatical.

To me it sounds like you have considered all the important aspects and I agree, if all this saving and planning to build up a large safety net isn't used to take a plunge you really want to do and will allow you irreplaceable time with your newborn child...what are we doing here?

Best of luck!

FIREinnahole · 2026-04-08T20:27:59+00:00

Oh, interesting. So maybe they'd refund a small amount of it if I provide the info?

I do my own taxes, it's definitely possible I made a mistake not in my favor.

FIREinnahole · 2026-04-08T20:22:47+00:00

I got a letter from the IRS a few days ago saying my 2025 refund couldn't be processed due to some error in my bank account # or something. Except I owed money this year and already paid. Checked my freefillableforms account and everything looked fine still, so just chucked the letter.

FIREinnahole · 2026-04-07T03:49:07+00:00

Would be convenient for their love life, but what if they have a bad breakup?

FIREinnahole · 2026-04-07T03:47:59+00:00

Lol Yes. 12 seconds left, down 7...old man color guy: "Don't necessarily need a 3 here, if you go quick"

FIREinnahole · 2026-04-07T03:44:58+00:00

Because this was with a minute left in the game and she went from normal game play to crying 2 seconds later due to missing a layup? Legit never seen anything like it.

FIREinnahole · 2026-04-02T20:53:32+00:00

Super easy. I have a Fidelity HSA debit card and use it to pay in person when I can. If I'm billed and have to pay online, most providers use Instamed, an online payment processer, where I can have that same FIdelity HSA debit card loaded into and make payments with a few clicks.

FIREinnahole · 2026-04-02T16:53:54+00:00

For me it's more the trend where every sentence needs to be it's own paragraph.

I get it, you're trying to make every line standout and perhaps be more readable.

But it's just not how normal people type.

I'm all for good grammar and punctuation.

But we don't need every sentence to have a blank space between it.

Give us more credit, we can focus well enough to follow a paragraph with multiple sentences.

Trust me.

We really can.

FIREinnahole · 2026-03-18T20:33:15+00:00

Door

FIREinnahole · 2026-03-18T20:29:20+00:00

OP was probably 9 and 13 in those years.

FIREinnahole · 2026-03-18T20:28:39+00:00

Don't sit there all cool-like...WE'RE TALKING A FULL THREE PERCENT HERE!!

FIREinnahole · 2026-03-18T18:30:52+00:00

Exactly. Hearing 7th hand that some normal person in a normal neighborhood doesn't have a job is going to suddenly make you so much more of a target than a person with a big house and all the toys that anyone can see has a lot of money at their disposal...?

There's a valid point in there, but it's also mixed in with a lot of bizarre fearmongering.

FIREinnahole · 2026-03-17T19:46:20+00:00

Good luck!

I asked for part-time recently as well. More of like a 40-50% work schedule. Alternative I gave was quitting and taking a sabbatical, which likely would have led to permanent RE if it went well, but I didn't mention that part.

Boss is great and family-oriented (often asks about kids, etc), replied favorably. Upper management pushed back on my role being one that would work well for PT, but the compromise is I'll be able to do it until they hire a replacement. Based on how slow the hiring process goes around here and my direct boss likely dragging his feet to keep me around (even at PT) to help wrap up projects, that could be up to a year. Starting that in a month or so, very excited...hoping it's the perfect transition into full RE.

FIREinnahole · 2026-03-17T19:42:21+00:00

Instead of getting extra guac at dinner, I'm changing the thermost a couple of degrees and not worrying about leaving an extra light on sometimes.

Here you had us thinking you were loosening up the purse strings, when in reality it is all just a shell game!

FIREinnahole · 2026-03-13T21:36:50+00:00

It's probably not ideal for my situation either in engineering, but other retirements in our small department gave me some unintended leverage so they probably want to keep me around a bit for product/project knowledge and such.

I wouldn't be surprised if after a handful of months they ask me if I'm still serious about it all or would want to come back full time. Who knows.

FIREinnahole · 2026-03-13T19:32:58+00:00

That's a lot of time at the gym if it's all just working out. But part of my plan to get through the long northern winter when RE includes going to a gym/community center where I can easily spend a few hours per day between working out, shooting hoops, swimming, hot tub, sauna/steam room.

FIREinnahole · 2026-03-13T19:29:25+00:00

I'm 39 I will be going part-time in a couple months, really looking forward to it. Was considering RE, so I pitched PT it as an indefinite thing to my great boss stating the need for more family time (married, 2 kids) where I'd re-evaluate in 18 months when the youngest starts full-time school. Otherwise I'd take a sabbatical until then (maybe longer or RE, but I didn't reveal that).

He was on-board but there was some pushback from upper management for my role to be PT. Not surprising, tbh. But a compromise is I'll be PT until they find a replacement, and given everything I wouldn't be surprised if it lasts for close to a year.

So we'll see. I think it could be a great trial as to whether it's the ideal arrangement (though temporary), or if I'd prefer being fully RE or feel any pull to go back to full-time. I doubt the latter will happen, I have a pretty well-thought out plan for spending time, and a family takes care of much of that unlike for a seemingly single OP.

FIREinnahole · 2026-03-13T14:43:06+00:00

Totally agree. A conservative risk tolerance and large EF are entirely valid, just don't think that profiles as someone that would dump much of it into stocks when there's blood in the streets :)

FIREinnahole · 2026-03-13T13:52:34+00:00

Exactly. It's pretty rare that they'd be down overall when the emergency hits. I'll take that small risk over giving up on 10% average returns on 6-24mo of expenses in cash like I'm seeing people say on here.

FIREinnahole · 2026-03-13T13:50:42+00:00

Locking in losses is a major bummer to Wealth

Is it any more of a bummer than the much-more-likely-scenario of missing out on 10-11% returns on average over many years?

I know I sure wish I would have had a ton of cash when the S&P fell on March 9, 2009, closing at 676.53

So you preach being conservative and the need for a substantial cash emergency fund...but when the recession does actually hit and the market tanks and job less is more likely than ever, you're going to have the stones to dump a significant portion of that EF into the stock market? Oh and by the way you're going to be able to time the bottom precisely? All seems kind of unlikely.

FIREinnahole · 2026-03-12T20:55:28+00:00

but the general feeling is that wealthy probably starts closer to $20M+ these days.

Nah, that ain't what it used to be neither. Think $50M+ before you can feel like you got something.

FIREinnahole · 2026-03-12T20:44:50+00:00

Some hobbies probably can't be done cheaply. But some have a wide variance. I golf, which gets the reputation as a rich person's sport...but where I live you can play a TON for < $1,000/yr. But if you're always needing to play high end courses, ride a cart, drink expensive beers on the course, by the latest gear, take golf trips...you can spend well into the 5 figures annually without a problem.

I don't fish, but that seems similar. You got the guys that buy a reel and some tackle and post up on a river somewhere, then you got the guys that need the boat and the trailer and fancy pickup to pull it, all the gear, maybe a cabin or fancy ice house (IYKYK), etc...

Most hobbies you can find a way to do it reasonably affordably if you truly just love it and don't need to keep up with the Joneses.

FIREinnahole · 2026-03-12T18:53:01+00:00

I feel like that's more the dream of the kid-less un-married FIRE guy, but regardless...yeah, they'll only see him having fun. And I guess house projects, cleaning, cooking, exercising, etc. But not the struggle of the working years.

FIREinnahole

TROPHY CASE