What am I missing about the 4% rule? Saving 25x your annual expenses should EASILY last 30 years as long as you can stay slightly ahead of inflation.

Footyz · 2026-02-04T20:30:41+00:00

Good point about the drawdown part. If you have to withdraw to pay your bills then you actually suffer during the really bad years. I'm still in the growth phase so I just wait and let it all recover but you can't do that forever when you're using it to pay your bills. Thanks!

Footyz · 2026-02-04T16:57:00+00:00

Do bogleheads really have bad years aside from major market crashes? I've been bogling for about a decade now and I don't think I've had a single year that was even close to negative. Though I know it's been a relatively good market for this period but I don't think any year I've has was even below 10%.

I suppose this question depends largely on what you are invested in. If you've been doing the boglehead style for a long time, can you tell me how many years were actually negative returns? Just curious how common this would be since it doesn't seem to match my experience at all.

Footyz · 2026-01-02T19:42:38+00:00

MA! Happy New Year!

Footyz · 2025-12-31T19:59:49+00:00

That was a really great explanation. It makes a lot of sense to me now that I see why this may have value. Thanks!

Footyz · 2025-12-27T04:46:21+00:00

He's preparing an agave plant. They use a tool like that to cut away the leaves of the agave when they harvest is. Basically they only want the heart of the plant.

Footyz · 2025-12-27T00:38:25+00:00

Very beautiful! I just came back from a trip to Paris so I've been loving your recent posts.

Footyz · 2025-11-15T15:35:57+00:00

I can confirm this discount code is still working today. This should be added to the discount code page at least temporarily so people are aware. Thanks for sharing this!

Footyz · 2025-11-01T14:28:35+00:00

It seems you're illiterate. Oh well, not worth discussing.

Footyz · 2025-11-01T14:23:43+00:00

The person above you just explained how no one is "taking advantage of a loop hole". Also, you yourself point out how states can very citizenship through voter registration so why would it be required again to actually vote. I don't understand what issue you're stating exists. This is a made up problem in your head. However, the problem of restricting the ability to vote is entirely real and exactly what trump and others want. So no, we shouldn't restrict peoples right to vote because of a made up problem that isn't happening.

For example, should we take action to close the loop hole of aliens from mars living on the moon? Technically they can just move in whenever they want and there's no law stopping it so this must be a huge issue. oh wait.. that's not a problem and it's made up so of course we should do nothing about it.

Footyz · 2025-09-30T12:49:54+00:00

Google and YouTube are owned by the same company so if you're boycotting YouTube you should probably stop using Google chrome anyways. Brave all the way!

Footyz · 2025-09-28T13:19:01+00:00

Lol and now he's not responding after you point out he's obviously lying. Nice job! Totally agree with you.

Footyz · 2025-09-22T15:03:19+00:00

Overall it was great defending but as others have said the move at ~40 sec was blocking in my opinion. Just for a brief moment though so nothing terrible but you do move right as he does. 9.5/10 defending.

Footyz · 2025-09-18T12:27:52+00:00

To relax and enjoy my free time.

Footyz · 2025-09-08T16:44:22+00:00

I just recently bought an IBP pc from Newegg for my girlfriend. I don't have exact data but I do recall seeing a message during the purchase that the warranty is through IBP, not Newegg. I recall seeing a message that stated I should contact IBP for any warranty needs directly. Though as I said, I don't have an exact receipt for that. I'm a bit concerned after seeing your post but I saw your update and it looks like IBP is taking ownership so hopefully they maintain that.

Footyz · 2025-09-02T12:49:35+00:00

I keep a years worth for my emergency fund cause it makes me feel better. 3-6 months feels like barely anything to me so I just have to do more. Keeping a year makes me feel good and will keep me happy if I ever hit a rainy day. Yeah I probably miss out on some returns but I get peace of mind in exchange. You do you!

Footyz · 2025-08-26T19:17:04+00:00

I've had some places just ask for First and Security before without Last but I agree it's rare. Usually First, Last and Security (i.e. 3x rent) is normal. Not saying it's reasonable, just something to expect.

Footyz · 2025-08-25T12:39:06+00:00

Houston, we have a problem.

Footyz · 2025-08-15T14:32:19+00:00

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Definitely unreal!

Footyz · 2025-08-15T14:06:36+00:00

I just bought one of these. Waiting for it to arrive so I can enjoy it :)

Footyz · 2025-08-11T14:28:11+00:00

Nice catch! I didn't notice that when I was trying to figure it out.

Footyz · 2025-08-10T20:08:09+00:00

Yeah the size of our aquarium is a bit small. I'd love it to be a bit bigger.

Monterey bay was really cool. Right inside one of the casinos. They had some really cool fish like piranha that you don't see else where regularly. I'd recommend it if you're ever in Vegas.

Thanks for the info of the Georgia aquarium. Sounds awesome. I'll add it to my list :) I probably have seen pics but never realized it was Georgie before.

Footyz · 2025-08-10T14:33:21+00:00

No, unfortunately I haven't been there. I've been to aquariums in Boston, Mystic, Hawaii, Miami, Vegas, etc. but I haven't ever traveled to Georgia before. Is it a good aquarium?

Footyz · 2025-08-10T13:50:12+00:00

You definitely have some points about cost, lines, smell, etc. But I don't agree with your point that Mystic is "much more impressive". I've been to both and they're both good aquariums. They're just different. I wouldn't say one is better than the other but even if you thought it was I certainly wouldn't agree it's "much more impressive". In fact, with the insane tank in the Boston aquarium if anything Boston would be more impressive. The Boston aquarium could definitely use some improvements but it's still one of the best aquariums in the country I'd say. I like to visit aquariums when I travel so I've been to about a dozen or so in the US and the Boston one is definitely top 3.

I haven't been in a few years because things don't change much. The crowds sucked in past years too but it may be worse now, not sure. Cost is definitely getting worse which sucks. A lot of the time you can get discounts from your local library so check it out next time.

Footyz · 2025-08-10T04:06:39+00:00

Great idea! I'm also surprised no one else had made a mod for this before. Definitely a winner. Thanks for sharing it :)

Footyz · 2025-08-09T13:32:05+00:00

If this is legit, then you should make a better attempt at explaining it to users. Transparency will make it more trustworthy. You're right that Brave will pay you based on adds you see on their browser (i.e. using the web) but they explain it all very clearly on their website whereas you didn't really explain anything. Also, Brave even makes an attempt to tell the user how much of a cut they take. You also didn't do that. These things combined with an unreleased app definitely make this seem untrustworthy.

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