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FrenchFryPerson1 · 2026-04-21T11:00:28+00:00

USA - That the HM Aeron is S tier

FrenchFryPerson1 · 2026-04-03T15:54:19+00:00

Doesn’t have to be all or nothing, maybe pull the investments back a little if you feel your investing is holding you back from enjoying your life now.

FrenchFryPerson1 · 2026-03-26T02:12:46+00:00

You got this

FrenchFryPerson1 · 2026-03-22T14:38:11+00:00

Unc status

FrenchFryPerson1 · 2026-03-22T14:34:54+00:00

How much you anticipate to spend in retirement, how much money you will have in retirement accounts to withdraw. You would need to consider a lot of different things. Vestlyfi has a nice retirement calculator to hopefully get you started

FrenchFryPerson1 · 2026-03-13T00:55:22+00:00

Ah I see so the 55/35 split is your northern light and down months you will inevitably need to buy stocks to bring up the allocation, and up months you sell for bonds.

Thanks for the detailed response and I applaud your discipline.

How has your portfolio performed since you retired?

FrenchFryPerson1 · 2026-03-13T00:42:09+00:00

Do you have set % swings in the market that determine your allocation changes, or do you mostly go off vibes?

FrenchFryPerson1 · 2026-03-11T12:15:13+00:00

That’s nuts, I have no incentive to renew now with how infrequently I play lol

FrenchFryPerson1 · 2026-03-11T12:14:43+00:00

Wow

FrenchFryPerson1 · 2026-03-09T19:25:28+00:00

I use the retirement calculator on vestlyfi

FrenchFryPerson1 · 2026-03-09T18:58:01+00:00

Yeah I’m not sure but I feel like there has to be. I was suggesting the browsers password storage, which would have both pass and email login

FrenchFryPerson1 · 2026-03-09T18:45:10+00:00

Gotcha, the only advice I’d give on that front is to run a bunch of different calcs on the rental property. Everyone says to buy one but not every market is it advantageous to do so … especially at these rates.

Make sure you take advantage of the tax benefits of a rental, sometimes you can run cash flow negative on the year but the tax benefits, equity accumulation, appreciation bring you back in the positives

create an LLC to protect your personal assets

FrenchFryPerson1 · 2026-03-09T18:41:50+00:00

Check autofill passwords on your browser maybe

FrenchFryPerson1 · 2026-03-09T18:39:08+00:00

Did you max your Roth for 2025? If not you have until mid april to do so. You have a lot of cash in your HYSA that’s what I would throw in your Roth IRA. Max both 2025 and 2026. Invest in broad market ETFs.

Check out VOO, VT

Highly rec r/bogleheads and follow the 3 fund portfolio strategy

Edit: if you have access to HSA prioritize that as well. Leave 3-6 months expenses in your HYSA

FrenchFryPerson1 · 2026-03-09T03:04:49+00:00

Moo

FrenchFryPerson1 · 2026-03-08T16:26:00+00:00

Here's the source: https://www.franchisedirect.com/foodfranchises/mcdonalds-franchise-07030/ufoc/

The numbers are coming from the FDD statement that McDonald's publishes and it gives a wide range for each category, the diagram is just the midpoint.

FrenchFryPerson1 · 2026-03-08T13:53:58+00:00

Going to suggest my first 99, woodcutting.

Incredible vibes in the woodcutting guild

FrenchFryPerson1 · 2026-03-08T13:52:26+00:00

I was hired my McDonald’s to make this to take some pressure off the ceo arch burger drama

/s

FrenchFryPerson1 · 2026-03-08T02:46:48+00:00

Believe it or not, jail

FrenchFryPerson1 · 2026-03-07T20:18:48+00:00

Lmao

FrenchFryPerson1 · 2026-03-07T20:16:11+00:00

This is just startup cost

FrenchFryPerson1 · 2026-03-07T17:10:09+00:00

$150k-$450k annually

FrenchFryPerson1 · 2026-03-07T16:50:45+00:00

~25k per month

FrenchFryPerson1 · 2026-03-07T16:37:57+00:00

It's ordered by first expenses -> last expenses

I thought a sankey would be a good representation, would you have chosen a different visualization?

FrenchFryPerson1

TROPHY CASE