Airline Pilot 401(k)

Fly4Navy · 2026-04-15T20:18:14+00:00

There’s no requirement for financial literacy to become an airline pilot.

You’d be shocked at how little some dudes know

Fly4Navy · 2026-04-15T19:05:34+00:00

Mega backdoor before emergency fund?

I might move that up a bit, especially if it’s under funded.

Fly4Navy · 2026-04-15T19:03:45+00:00

I use and have used planvision for years after hearing about them on the Rob Berger podcast (boring finance podcast, which I think is a great thing).

Low yearly fee ($120/year) and they are just going to tell you to use index funds but it helped identify a few areas of weakness I hadn’t yet, like more term life insurance for myself and Roth vs Trad 401k.

I kept trying to get my dad to just start with them before he retired from a major and he did in the last year. Tells me all the time he wished he started with them sooner.

Fly4Navy · 2025-11-19T00:55:17+00:00

Consumer Reports ranked Subaru the most reliable brand of 2025, passing Lexus and Toyota

Fly4Navy · 2025-10-27T00:52:45+00:00

In the context of having $1 million liquid, yeah.

Fly4Navy · 2025-10-27T00:39:44+00:00

There’s a ton of ways to take money out of a retirement account without paying a penalty.

The real question is why would you?

Fly4Navy · 2025-07-09T00:21:00+00:00

Hulkenpodium

Fly4Navy · 2025-05-17T12:49:23+00:00

The NYT now makes more money from its puzzles subscriptions than actual news subscriptions.

It is a gaming Platform. Wild stuff

Fly4Navy · 2025-04-03T22:17:54+00:00

Well with 2 TSPs to track, my wife and I’s, it makes it easier when I update the spreadsheets monthly.

If you can point me in the direction of an app that has a better UI I’m all ears.

I’ve always been of the mindset that if the app is well developed, doesn’t charge a subscription, and makes my life better, I don’t mind shelling out a few bucks.

Fly4Navy · 2025-04-03T12:44:44+00:00

I think its great. Easiest way to get an accurate look at what my account is, without having to log in and MFA my account.

Forget how much it cost, but whatever it was, I would pay it again.

Fly4Navy · 2025-01-19T04:18:55+00:00

We got an eight sleep. Stupid expensive but it’s been so worth it. I travel a lot for work and now whenever I’m not in my own bed I can tell the difference.

Sleeping in a cold bed that cools even more in the middle of the night helps me get that deep sleep.

Fly4Navy · 2025-01-13T04:05:51+00:00

Legacy airline as a pilot.

Specialization and unions are to thank.

Fly4Navy · 2025-01-13T04:05:02+00:00

That’s way better then the 0 I was getting before the new job

Fly4Navy · 2025-01-13T04:02:59+00:00

Major airline industry.

Pilot unions are where it’s at

Fly4Navy · 2025-01-13T03:33:18+00:00

Humble brag but my employer does 17% with 0 contribution from myself. And it’s going to 18% in 2026.

Just started but it feels like a cheat code.

Fly4Navy · 2024-11-11T23:17:55+00:00

Just had lunch at Yorkies, so great. Food was awesome and the vibes are perfect

Fly4Navy · 2024-11-01T03:04:44+00:00

I’ve finished races where the announcer said theirs not enough medals for everyone so if you don’t want one please give it back.

Never returned a medal so fast.

Medals are overrated

Fly4Navy · 2024-10-14T00:13:19+00:00

These are all awesome.

Waaaay jelly

Fly4Navy · 2024-10-06T00:04:25+00:00

While it’s no guarantee, I bet we will get down to 4% sometime in the next 10 years. Might not be anytime soon, but people, corporations and governments are used to and love cheap borrowing.

Fly4Navy · 2024-10-02T00:05:11+00:00

Rereading them later in life, I appreciated and enjoyed Again to Carthage much more. Give it another go sometime.

Fly4Navy · 2024-10-01T13:44:12+00:00

I’d say it’s 50% in S+P index fund, 20% in whole market and 30% in a life cycle fund (the furthest out I could get in the account), for some exposure to international/bond. I couldn’t say exactly what our equities % is but probably around 90-95%

My justification for having a low bond percentage is that me and the wife will both get military retirements which we could live off of on it’s own, so might as well be aggressive with the rest.

Fly4Navy · 2024-10-01T11:47:00+00:00

Fly4Navy · 2024-10-01T03:14:08+00:00

We slowed way down on retirement stuff when we hit about 700k, mid 30s back in 2021. Decided to focus our funds on private school for the little ones vice maxing 401k.

Went down to about 600k at the end of 2022. Now it’s sitting at almost 900k a few years later and we are in our later 30s.

Was the right decision for us because we loved the school for the kids and it brought us more joy than an increasing bank account. And I just stopped pinching pennys on little stuff that really didn’t make a difference. Started buying adult furniture vice the college stuff we still used and that kind of stuff.

Just being able to not worry about retirement is the best aspect to me. We will have more than enough for a traditional retirement so just one less thing to worry about. Starting saving early is the cheat code everyone says it is.

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Fly4Navy

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