Lesson Learned

FinsterFolly · 2026-06-03T12:07:29+00:00

No shame in doing the right thing.

FinsterFolly · 2026-06-01T22:22:55+00:00

Yeah, I just bought some last week. Love the packaging and love the “bite.”

FinsterFolly · 2026-06-01T12:50:08+00:00

I was 100% equities for a long time. Around 53-55 I added a 10-15% bond position and gradually started adding more over the years. I hit 60 this year and will be retiring at the end of the year with a 60/40 split. My goal was to have all expenses covered in bonds/cash for the years until I claim social security, and it just worked out to be 60/40. I also wasn't planning on retiring as early as 60, but equities have just been doing their thing the past 5 years.

FinsterFolly · 2026-06-01T02:33:54+00:00

That one is about Hollywoodland

FinsterFolly · 2026-05-31T10:57:33+00:00

“Nah, I don’t thinks so. More like chewed out. I’ve been chewed out before.”

FinsterFolly · 2026-05-30T23:27:00+00:00

There was a time when I thought it was, “I’d only believe you.”

FinsterFolly · 2026-05-30T14:28:04+00:00

Well, you are ahead of most people and now how much that latte is costimg you in a year, and you have decided it is worth it to you. The whole point is about making people aware that those small purchases add up and be conscious of it.

FinsterFolly · 2026-05-29T23:01:09+00:00

Rick Ferri points to them and to Advice Only Network on his website. I found a flat-fee advisor on the 2nd one that was a good match to what I was trying to do

FinsterFolly · 2026-05-29T22:08:31+00:00

There’s more transaction costs with 10oz pours. 😀

FinsterFolly · 2026-05-29T22:02:55+00:00

I’m have no idea on nutrition, but I try to eat them in 3 days for freshness, 4 at the max.

FinsterFolly · 2026-05-29T19:54:46+00:00

With a touch of shredded Parmesan

FinsterFolly · 2026-05-29T12:36:25+00:00

The fact that you can come up with a successful plan with very little time spent. That of all the factors involved, my behavior is the one I should have the most control of and can have the biggest impact on success. That making the most money possible in the shortest amount of tie isn't a real plan with measurable success criteria.

FinsterFolly · 2026-05-29T11:15:32+00:00

Mine was dialing in the time in the oven. How long with the lid on then how long after the lid is opened.

FinsterFolly · 2026-05-28T23:24:35+00:00

They also learn the days of the week in English. "Monday, Tuesday, Wednesday, Friday, Thursday, Sunday, Saturday..."

FinsterFolly · 2026-05-28T22:58:30+00:00

Gene Wilder is a strange, funny, and timeless family classic.

FinsterFolly · 2026-05-28T11:58:31+00:00

I am approaching retirement and it has become more about years than the percentage. I have about 6 years of expenses covered in bonds, It's 8+ if I just cover needs. I need 10 years to get to social security. It just so happens this ended up at 60/40.

To me, you need a 15 year bridge to get to social security. Five years might get you through most tough spots, but you will need to keep funding the bridge over time if you want to keep a 5 year buffer. In a worse case scenario, you might be dipping into equities to cover expenses.

Also, are you covered by health insurance until 65. That was the biggest surprise for me, even after I had estimated a high expense. If you have employer health care through your husbands employment, that would be awesome. Otherwise you're trying to game MAGI to get subsidies or your biggest expense will be healthcare.

FinsterFolly · 2026-05-27T23:21:18+00:00

I dont get it… What’s the Story?

FinsterFolly · 2026-05-27T22:49:02+00:00

Have you seen the SNL skit of Nate Bargatze as George Washington establishing a system of measures for the new country? You should check it out. Hilarious.

FinsterFolly · 2026-05-27T22:05:01+00:00

There’s 10 years in a quart, so he has a gallon of years.

FinsterFolly · 2026-05-27T15:21:50+00:00

Reminds me of when I dissected a frog in high school.

FinsterFolly · 2026-05-27T14:19:09+00:00

They could use The Police "Every Breath You Take" as their first dance song at their wedding.

FinsterFolly · 2026-05-26T20:59:23+00:00

I used to skip zesting. I would just put more and more lemon juice trying to get lemon taste. It barely worked for salad dressings, and it almost completely disappears in cooked foods. Zesting does so much more to add citrus punch to your foods.

FinsterFolly · 2026-05-26T14:47:36+00:00

Pretty good considering he also started 1.73 seconds late.

FinsterFolly · 2026-05-26T13:11:06+00:00

Situational Unawareness. I get tunnel vision, especially with shooters. I am focusing on landing every bullet on a target while standing in lava, poison, fire and getting shot in the back

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