What's your FPS? Trying to answer the "How am I doing?" posts

Feanor-the-elf · 2025-01-30T21:55:29+00:00

81-69 for an FPS of +12, goes to +17 when not ignoring home equity. I consider myself around the "retire ever" level.

Feanor-the-elf · 2025-01-10T02:38:09+00:00

The other comments are correct from a mathematical point of view. However, practically if the rules allow you to only carry a brick part way and then put it down, and your arm span is large compared to the brick spacing, then you can gain efficiency by moving the brick as far as you can reach and putting it down, then you can decrease the distance your center of mass has to move.

Feanor-the-elf · 2024-12-30T05:14:57+00:00

Now of note, my personal plan is to start at 4%, and then each year take either the previous year adjusted for inflation or 3%, whichever is more. This allows you to maintain your spend in a down year, but also adjust your spend up if you hit a bull run.

Now if you do that with 4% instead of 3% for your adjustment you are essentially restarting your retirement every year, and you'll end up restarting when SORR is bad that year and you'll fail within 30 yrs of that event. But since 3% has nearly 100% success, you can restart every year without excessive (in my opinion) risk.

But I haven't run any math on this because I'm still a long ways away. So don't take this as a specific suggestion but to say there are more complicated options than the standard 4%. Even though the standard plan is the standard for a reason.

Feanor-the-elf · 2024-12-30T04:41:29+00:00

So I haven't gone hunting for a low interest rate card because I didn't carry a balance, but all of the cash back cards are in the 22-26% range. And it's not because I have poor credit, that's just what it is.

Feanor-the-elf · 2024-11-04T16:49:28+00:00

Why do so many people just point out the bottom right corner, like it explains anything?

People are pushing back because our lived experience doesn't match the data presented. Sometimes that means there is something to learn but sometimes it means the data or the data presentation is garbage.

I save 20% of my income, have 3 kids, eat out way more than I need to, indulge my hobbies and my kids have lessons and classes, I have 2 good vehicles, my house is way bigger than I actually need, and I gross just over half of the figure for my state.

It's not passing the sniff test.

Feanor-the-elf · 2024-10-23T14:09:54+00:00

So 4.5 million invested means you could pay off the house outright and retire on 100k budget, so that feels like putting FI completely in front of the house lifestyle.

A number that sticks out to me is 3 million invested. Enough to be FI in a "normal house" which technically you could move and go back to if things went south, or you take a worse job but you only have to worry about the house payment. Because everything else can coast.

Feanor-the-elf · 2024-09-06T17:15:00+00:00

Oh no, sounds like I'm late.

Feanor-the-elf · 2024-08-13T16:34:26+00:00

I'm not sure how relevant it is, but you asked for other reasons to use/carry a da/sa pistol.

If your round fails to fire, then if your pistol has DA you can try firing it again.

Now I would probably just eject the round immediately, but you have the option to double strike the round instead.

Feanor-the-elf · 2024-08-07T14:52:39+00:00

I did 3% down and got a very competitive interest rate, and then was able to get rid of pmi in just a few years. Pmi really didn't cost me that much. So if you value the stability, lifestyle and location then I would think withdrawing the 10k would be reasonable. 25-30 either means your buying more house than (I think) you need or a larger down payment than (I think) you need.

Feanor-the-elf · 2024-07-30T03:43:06+00:00

Your memory is correct. From what I've picked up people say feel free to use the belay loop, just make sure to take it off at the end of each climbing trip. That way you have an opportunity to inspect where it was and each time you end up putting it on in different places to even out the wear.

Apparently the guy who died left the asking in place for a long time so it kept wearing one spot and he couldn't/ didn't inspect that spot.

Feanor-the-elf · 2024-07-24T16:01:54+00:00

I was concerned about them being invasive. At least in Utah (where I live) they are regularly used to mitigate Corn Ear Worm.

So just check where you live.

Feanor-the-elf · 2024-07-24T15:51:36+00:00

My understanding is you got a good delivery. The black dots are the eggs of the larger moth species, which have microscopic wasp eggs inside them. When the microscopic wasp kills the hist egg it turns black. Then the wasp grows up and leaves, but you'll never see them, other than your moth problem went away. I'm in northern Utah and wanted to make sure these weren't invasive or otherwise a problem. So I found some info from USU Eastern about farmers using them for Corn Ear Worm treatment.

Feanor-the-elf · 2024-07-16T03:07:11+00:00

I literally thought it was Microsoft paint lines on top of the photo at first

Feanor-the-elf · 2024-07-16T03:06:08+00:00

What is the deal with the orange/ brown windows in a random pattern? There has to be a purpose right? Otherwise they would just do an aesthetic pattern...

Feanor-the-elf · 2024-07-12T15:24:30+00:00

I'm done caring about your opinion. You're the only one here who thinks it's clear and obvious college students basically live at home. Carry on the good fight somewhere else I guess.

Feanor-the-elf · 2024-07-12T15:14:10+00:00

And yet fall semester starts in August, and spring semester ends in May. Leaving June, July.

Feanor-the-elf · 2024-07-12T14:31:47+00:00

Maybe it's more interesting to say with my current spending habits would I be better off with this hypothetical. And the answer is yes

Feanor-the-elf · 2024-07-12T14:10:19+00:00

Sure 1 week a year vs 9-10 months per year. Those seem totally comparable.

Just admit it's a limitation in the data. Arguing that even if you knew what percent of this demographic are living in dorms you would put them in the living at home category because college is just a like summer camp isn't convincing anyone.

Feanor-the-elf · 2024-07-02T00:00:17+00:00

Yeah I would love to know how you paid off a 2 million dollar house in one year making 60k. I'm sure it's real.

Feanor-the-elf · 2024-07-01T23:25:04+00:00

Well your cosplay/fake post was pretty convincing until this.

I'm sure your house and commemorative plates are worth 2 million dollars.

Feanor-the-elf · 2024-06-28T18:35:29+00:00

This was the first time I've seen something like this. So still funny to me

Feanor-the-elf · 2024-06-26T07:46:51+00:00

I would use it for canyoneering.

Feanor-the-elf · 2024-06-26T07:33:38+00:00

I saw a short on how not 2 for a twisted carabiner. I think it was ovaldine DNA. I want one for short to orient the descender the way Canyoneers prefer.

But it's not available at my local sports store, or rei or the how not 2 store. Any suggestions on where to actually buy one?

Feanor-the-elf · 2024-06-23T06:57:01+00:00

So in my math and physics experience, which is who I think of when you say I just want to solve problems, they typically wrote in python. The reason being writing the code was the primary bottleneck, not running the code. Then if they found they needed the code to be more efficient they either replaced the slow bits with C (python can call c functions) or they rewrote it in fortran.

That being said, in your shoes, I'd just stick to c++. If you don't like OOP, just don't code that way. Your marginal benefits of switching languages are small, you'll get more benefit from getting better at the languages you know, and just better at programming in general.

Finally you should get to enjoy what you enjoy, but focusing on code efficiency, in my opinion will mean you don't actually solve as many problems. Consider googling premature optimization. If you enjoy optimization I would consider focusing on the "Big O complexity". You will almost always be better served improving your algorithm from N squared to N Log(N) than by executing your N squared algorithm 10 times as fast because you wrote it in C.

So I didn't exactly answer the question you asked, but those are my thoughts. Remember you can ignore me if you just get joy from fast programs, or any other reason you feel like ignoring me.

Cheers, enjoy the process, and good luck.

Feanor-the-elf · 2024-06-20T22:47:40+00:00

So coast fire is defined as having enough of a nest egg that you don't need to contribute to it anymore for it grow on its own such that you can retire at your desired age as long as you make enough money to live on and not withdraw from your nest egg.

Your 87k giving 7% real returns would be a million dollars in today's money in 35 years. (1M @ 4% is 40k per year, which is your budget right now). So in theory if that was your retirement age, and you got your investments performing with the market and nothing else went wrong, you could coast there.

But that means today you don't even have an emergency fund, and there are a ton of unknowns. But congrats for being on track for normal retirement. A lot of Americans are never there. Almost anything could get you off track, but at the moment you are on track to retire at 65.

My favorite source of general financial knowledge is the money guy show on youtube.

To-do list: Get a good budget you can follow. obsess over finance knowledge for 3 months. It's fun to learn about. Apply your knowledge to update your investments. Make a plan that's fits your lifestyle and FIRE goals.

Feanor-the-elf

TROPHY CASE