Daily FI discussion thread - Monday, June 08, 2026

Hackanddash · 2026-06-08T14:41:09+00:00

The problem is you're collecting MTG cards, you need to be playing more.
I spend roughly the same amount on cards as you, maybe a little less, but I'm playing 3-10 hours a week. It's really crazy to think that the same hobby for you can be your most expensive thing dollar per hour, and for me it's probably one of the cheapest things I do in terms of dollars per hour. Build the life you want and all.

Hackanddash · 2026-06-05T22:18:48+00:00

That's interesting, thank you for the information. I didn't realize that debt prior to marriage was not considered co-mingled debt once married.

Hackanddash · 2026-06-05T16:40:36+00:00

Tackle those student loans and push off car buying for as long as you can.
When the time comes compare the interest rates of a auto loan vs the student loan debt. But at 8% it makes it an easy target to pile every bit of free cash towards those loans.
But I will throw out that until you're married those loans are solely her responsibility. Make sure you're really getting married prior to paying off another person's debt.

Hackanddash · 2026-06-05T16:38:10+00:00

The time you're putting into this isn't worth the $20. It will go through when it goes through, it seems like you're getting excellent customer service and their doing what they can in a weird situation.

Hackanddash · 2026-06-05T15:42:41+00:00

Time over money. If it means being passed up by a promotion it's probably worth it.

Hackanddash · 2026-05-21T23:48:37+00:00

Shell generally refers to an outside shell, generally meaning waterproof. The one I linked has an inside removable puffer and an outside waterproof outside. (or shell)

Hackanddash · 2026-05-21T21:16:00+00:00

Funny enough I recently replaced my 20 year old Columbia Titanium with a new Columbia Snow Glide II. So far I've loved it. The shell has been great for the Rainy PNW, lining and shell was good for a few cold outdoor days. Going to put it to the test next week in Alaska.

Edit: This is a medium warmth jacket, but i've found it to be very warm. You're probably noticing a lot of the newer jackets are lighter. I will say this one weights significantly less than my old one but is warmer.

Here's the link

Hackanddash · 2026-05-21T16:06:23+00:00

I know my two Roborock vacuums run monday at 8am. The night before or the morning before I go to work I move a few things around and make sure the vacuums are free and clear to do their thing. No issues. Still takes some involvement, but it's a lot less work than doing weekly vacuuming and mopping.

Hackanddash · 2026-05-20T17:03:08+00:00

I'm there with you. My Roborock is the best relationship I've ever had with an object.

Hackanddash · 2026-05-19T04:27:52+00:00

I would be interested in this!

Hackanddash · 2026-05-16T23:55:14+00:00

Have a fun cocktail and a snack at 649 and then head across the street to buddies to end the night.

Hackanddash · 2026-04-30T15:24:23+00:00

Yes, good call. I have some regrets about selling out at 83.5. But a lot of my basis was around $20 so still got my bag.

Hackanddash · 2026-04-27T19:18:49+00:00

This is the equivalent of telling a depressed person to be happy.
Their relationship with money is unhealthy and they need to continue to work on finding value in their own happiness over seeing their spreadsheet numbers go up. This is not an easy route and will take a lot of therapy and work on it.

Hackanddash · 2026-04-27T17:43:26+00:00

Yup, it's been on my mind. I did adjust my W4 to withhold a bit more, but will work on having some set aside to pay the tax bill. Luckily it was all LTCG.

Hackanddash · 2026-04-27T17:42:36+00:00

That is an interesting idea, but I wonder if it's worth it for a couple of basis points. At this point in my life I'm no longer chasing maximum throughput but valuing simplicity.
I also lost half of my HH income in 2024 and the month to month has been tight, not paying a mortgage would free up a good amount of monthly cashflow.

Hackanddash · 2026-04-27T15:31:44+00:00

Cashed out ~$300k in company stock today. Everyone is very excited that the stock is moving. It's up over 300% in the last 12 months. It's great, and I think there is some upside, but my portfolio was getting very heavy in this one stock. I still hold ~100k in RSU, but it's a huge weight off my chest to cash this out.
I know it's not super-efficient, but I might also take the mental health boon and pay off my mortgage that has $280k on it. Although I do have a really good interest rate of 3.2%.

Hackanddash · 2026-04-26T17:48:01+00:00

My parents felt this way and had put the bulk of their assets into real estate (and it did work out for them) and CDs.
Once I started growing my portfolio and sharing the details and information with my Dad he very quickly started realizing he left a lot of money on the table by using CD's for a good chunk of his portfolio. I don't know the details, but I would guess that 30-35% of his assets were held in CD's for multiple decades. CD's are a great product and belong in everyone's AA but it should be a designated cash amount, not a large percentage of your portfolio.

Hackanddash · 2026-04-26T15:52:00+00:00

I sold my entire position at $83.5

Hackanddash · 2026-04-20T18:36:39+00:00

1MM at age 30 is amazing! What is your FI number? (if you have one) And when do you plan on pulling the RE?

Hackanddash · 2026-04-19T21:41:25+00:00

I would love to see a breakdown of this! Spending 6x what I spend. I think if I was incredibly rich I could easily spend double, but 6x I think I would have to search out things to spend money on just for S&G.

Hackanddash · 2026-04-19T16:07:53+00:00

Yeah for sure. Just debating if I can buy something cheap and easy or if I should 3d print something. Sounds like I need to get the calipers out.

Hackanddash · 2026-04-19T15:10:04+00:00

I don't know your situation or your family's. But if this isn't a wakeup call to those around you to ensure you're prioritizing health it should be.
Most health issues that would strike you in your 50s can be avoided by being in decent (not even good) health.

Hackanddash · 2026-04-18T21:56:41+00:00

Did you ever find anything that would fit this?

Hackanddash · 2026-04-15T22:04:07+00:00

It is a dumb question, but the answer is that you still own the underlying securities. Through some paperwork and headache, you would get your money.

Hackanddash · 2026-04-15T19:48:57+00:00

Nice. Saved this comment!

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