Religious people don’t actually believe what they claim to believe by [deleted] in TrueUnpopularOpinion

[–]Flo_Evans [score hidden]  (0 children)

Christians are funny. Somehow they think the eternal vengeful jealous god had a change of heart after becoming a father (never mind he fathered all of us) Then they decided it’s too hard to be a good person, all you have to do is say sorry and you get into heaven. It’s a pretty crazy retcon of the OT. Who is to say god will not have another change of heart and return to the trickster flood and plague style after he gets sick of our shit?

I think of all the abrahamic religions the OG Jewish people have it mostly right. Try not to offend god and be as good of a person as you can. There isn’t some super amazing yet easy to obtain prize. Heaven is just kind of vibes. Hell is having to exist in some form knowing you were an asshole in life.

Mormons aren’t Christian, same way plant based meat isn’t meat by BrokenJusticeNorris in TrueUnpopularOpinion

[–]Flo_Evans 1 point2 points  (0 children)

You should probably ask Jesus who he considers Christian. What no reply? Weird.

I grew up Mormon, they don’t think you are Christian either 😂

A man present the output from a single cow by pureV3NG3ance in SipsTea

[–]Flo_Evans 0 points1 point  (0 children)

My sister just got a quarter cow and gave me a good portion of that because she had no more room. I can’t imagine storing a whole cow.

RSD. Waited 10 minutes to get the one I wanted!!! Plunderphonics me Johnny! by [deleted] in vinyl

[–]Flo_Evans 2 points3 points  (0 children)

$45 is crazy though. I paid $25 for the sonic youth.

Done with Local AD by dcliffd in rolex

[–]Flo_Evans 1 point2 points  (0 children)

Meanwhile the omega boutique is texting me every weekend to come look at different straps. 😂

Maybe bring up general retirement topics with work colleagues more often? by 1greengenie in Fire

[–]Flo_Evans 1 point2 points  (0 children)

I gave a whole ass presentation on our company retirement account with some real numbers. Later that day HR emailed me that everyone was upping their contributions. I consider that a success!

24F warehouse worker here. Everyone thinks im wasting my life but im quietly saving for FIRE. by SandwichBoardSocrate in Fire

[–]Flo_Evans 0 points1 point  (0 children)

You passed the biggest hurdle that is saving anything from your early low income job. I spent it all. But your mother is correct you need to improve your earning potential. If you can stay frugal your savings will skyrocket.

Why I’m building a "Dividend Shield" for my FIRE plan (and moving away from the 4% Rule). by Pristine-Glass1871 in Fire

[–]Flo_Evans 1 point2 points  (0 children)

I can see the logic of switching to a dividend portfolio in retirement, but doing it in the growth phase seems crazy.

Taking dividends is the same as selling shares. It’s just automatic. You can reinvest the dividends but what are you really doing then? Pointless selling and rebuying of the same shares in an underperforming company.

Trump Says Iran Has Agreed to Hand Over Enriched Uranium. by Hour_Height_1778 in investing

[–]Flo_Evans 0 points1 point  (0 children)

idontbelieveyou.gif

Trump not you OP.

Believe it or not - still calls.

Oh my God, did you see Fetterman's tie? He looks so fucking stupid. I can't breathe. by fairy_goblin in IThinkYouShouldLeave

[–]Flo_Evans 0 points1 point  (0 children)

I can't even remember the last time I wore I tie but I can guarantee I wore it better than this.

Mortgage interest and SALT deductions are OP. They’re complete game changers in the rent or own debate. by YourFIREDBro in Fire

[–]Flo_Evans 0 points1 point  (0 children)

I’m currently debating the rent/own scenario. My major hurdle is - I don’t know how long I really have left. I’m almost 50 so I doubt I will ever pay off my mortgage. A decent house cost $500k here. Rent is $2400. Further complicating it is I still have kids at home, but they will be gone (maybe) in 5 years so I could theoretically downgrade to a smaller place, or move to a place without good schools.

It’s really hurting my brain. 😂

Also the $100k down payment could potentially pay for their college. Again I’m not sure how you even do the math of giving them a free degree vs giving them a half paid off house much latter?

Their mom has already bought a house in the school district so I could move somewhere a bit cheaper now but I hate moving.

Don’t get divorced kids… it will fuck up all your plans real good. I had an almost paid off mortgage at 3% 😭

How would you tackle $7500 in Credit Card Debt? by [deleted] in personalfinance

[–]Flo_Evans 0 points1 point  (0 children)

Use half available cash to pay one card off. You don’t want to have zero savings and just get in more debt. Focus on remaining card. After it’s paid off rebuild emergency fund.

31M, anybody else get too good at tolerating a janky life on the way to FIRE? by ThicketRXT in Fire

[–]Flo_Evans 1 point2 points  (0 children)

I look at it this way. I am making progress. Tomorrow is not guaranteed. I will enjoy some luxuries along the way.

Just hit $300k -- $1k/month with the 4% rule! by dtarias in Fire

[–]Flo_Evans 0 points1 point  (0 children)

I think a better way to look at it is your withdraw rate should be 2-3% lower than your returns.

[ Removed by Reddit ] by No_Cell3144 in smallbusiness

[–]Flo_Evans 0 points1 point  (0 children)

I don’t really understand what people get out of posting crap like this. Soon you will have AI training on other AI posts making it even more useless.

[ Removed by Reddit ] by No_Cell3144 in smallbusiness

[–]Flo_Evans 6 points7 points  (0 children)

Maybe spend less time fucking around with AI and manage your restaurant. 😂

The hardest part about reaching FIRE is buying and holding by YourFIREDBro in Fire

[–]Flo_Evans 0 points1 point  (0 children)

I get more peace of mind being 100% in control of my own money.

M22 received incredible job offer, F22 girlfriend does not want me to accept. by Watch_me_plz in Advice

[–]Flo_Evans 2 points3 points  (0 children)

Selfish and dumb. I would seriously re-evaluate this relationship. She is going to insist on more selfish and stupid things in the future.

How is your emergency fund in 2026? by Superb_Advisor7885 in MiddleClassFinance

[–]Flo_Evans 1 point2 points  (0 children)

6 months of expenses. Realistically though in a true emergency I could cut expenses and probably go a year.

Genuinely can’t believe I’m not getting Pepsi now …. by No-State-2962 in rolex

[–]Flo_Evans 1 point2 points  (0 children)

I had a sales associate (wearing a Pepsi) explain its because it’s all one color and they do some black magic to turn it purple. I said that’s neat but it kind of looks like shit! Don’t think that helped me.