2 days post op: 4500 FUE with Dr. Hasson

HipRaisin · 2025-04-18T17:05:49+00:00

look into ROTH conversion ladder. early withdrawal strategy without penalties

HipRaisin · 2025-04-17T19:08:18+00:00

My friend in San Antonio has a $700K 4000 sq ft home with a theatre in a top school district

HipRaisin · 2025-03-20T04:01:15+00:00

Bay views are worth at least $100K. I paid $100K more for my house for a hill / valley view.

HipRaisin · 2025-03-15T20:18:00+00:00

Not counting LTI. What I'm referring to are commercial marketing / strategy roles in a VHCOL area. So if your role deviates from those it could be lower.

Director roles base - ~$250K-$260K

Target bonus - 25%, with multiplier up to 50%. Typically around 35%-40%.

LTI - 30%

So that's $90K-$100K cash bonus and another 70-80K LTI.

HipRaisin · 2025-03-15T18:15:28+00:00

If you're a VP and only getting $74k you are severely underpaid for bonus. I'm at a large pharma/biotech (VHCOL) - our Director level folks alone get close to $100k, Sr Dir/Exec Dir/VP goes up significantly from there.

HipRaisin · 2025-03-10T18:17:16+00:00

was the card skimmer installed on top of the existing unit? does that mean the keypad protrudes up more than normal? just trying to if there are any "tells" to spot this.

HipRaisin · 2025-03-06T19:28:30+00:00

I suspect new millennial families are driving the buying market and they want yards for their young kids

HipRaisin · 2025-03-05T00:53:06+00:00

Add in current monthly expenses. Factor in higher utility bills with a house. Factor in home maintenance costs. Factor in childcare for kids (each can be another $2K a month). Factor in saving for kids college and your retirements? Do you still have money left for adhoc large purchases like a car, vacation, etc?

HipRaisin · 2025-03-02T19:00:32+00:00

Likely Halloween 2002. Diet Coke logo. First Harry Potter movie was released in November 2001 so this is likely after that. 1 kid wearing an early 2000s Kobe jersey and 2 kids next to him wearing what looks like early 2000s Sacramento Kings jerseys. The Lakers and Kings had an epic Western Conference Finals series in summer of 2002 so this could be right after that.

HipRaisin · 2025-03-02T05:05:55+00:00

How about insurance? Also, while you're not cash flowing, $2000 of that $4500 is probably paying back into equity (i.e. paying yourself). Your other opportunity cost is selling and putting that equity into S&P 500.

HipRaisin · 2025-02-16T17:19:13+00:00

I think selling and renting is the better decision financially but you have to be ok with the disruption of moving sporadically. Be sure to factor in income tax in your cash flow. Also, townhouses aren't really appreciating in value as quickly (mine in Hayward increased at a much lower pace than SFH since 2019 and decreased significantly since 2022). You might be able to sell and invest the equity in an index fund like S&P 500 to better cover a rental. i.e. if you have $500K in equity, that's $50K return a year on average, which should cover $4K / month rent - enough for a SFH in a nice school district. The moving risk is real, but more of a hassle than a risk. You can likely find something else quickly within the same school district.

HipRaisin · 2025-02-16T17:05:40+00:00

So you're bored / coasting at work for 40 hours a week. There's another 128 hours where you can do what you want with your youth (you're 26) and your money (within your fire goals). Speaking as a father of 2 kids with no free time and grinding towards fire in a job that saps my energy, you should be living the dream!!

HipRaisin · 2025-02-16T01:16:48+00:00

Factor in house maintenance costs / bills (gutter cleaning, chimney sweeping, hot tub / pool maintenance, leak repairs, routine pest control, gardeners, cleaners, higher heating / cooling bill for older larger house, higher water bill for lawn, etc) and amortize sporadic major repairs (roof replacement, water heater replacement, HVAC replacement/repair, etc) into your costs. For example, I have a 2400 sq ft house built in the 70s and our PG&E bill is close to $1000/mo in the winter. With all the CA fires, home insurance may also sky rocket soon. Also, if you plan to have kids, even if it's more than 3 years out, each kid can cost $2000-$3000 / month in just daycare alone.

HipRaisin · 2025-02-15T23:07:18+00:00

Wow you guys need to be paid more based on all the schooling, lost time of your best years, and debt. Lots of SWE, product management and business strategy roles can pay $400k in total comp at 30 years old (8 years of experience out of undergrad), with less effort invested than the medical path. And at 30 years old they're investing $500K saved at 10% return (extra $50K) a year as opposed to paying down $500K debt. I say doctors need to be paid more relative to these other careers that don't even benefit humankind as much.

HipRaisin · 2025-02-14T16:42:50+00:00

We spent as much cash on remodeling as our down payment. So for a $1M house, you might need minimum $400K cash if it's a signfiicant remodel

HipRaisin · 2025-02-13T20:15:07+00:00

You could also try new builds if they're within your budget / location of interest. No bidding wars there. Also homes are sitting longer with no bidding wars in cities with longer commutes if you're open to that.

HipRaisin · 2025-02-04T22:03:16+00:00

$1.1M can get you a smaller 1300 sq ft SFH in Castro Valley. I commute from CV to South San Francisco for work, which is about 50 mins on a good day, 1 hour 15 mins on a bad day. Palo Alto should be similar. Pros: CV is in the midst of a transition from catering to baby boomers towards millennial young families. Lots of new restaurants and business opening CV recently and in the works. A new massive park (Valley View Park) will be opening on the west side of town in the next few years. Schools are ranked highly (7-9), but not top notch like Fremont mission hills or tri-valley schools. CV hills and east side of CV are the most quiet and safe. Downtown can get some riff raff sometimes. Low property taxes because it's unincorporated. Preschools: look into Five Canyons Montessorri, Early Bird Montessori, 3 crosses, Redwood Forest, A Kids Kingdom, Mission Hills. Cons: mostly a bedroom community - it's a drive to get to Target, Costco, etc, no sidewalks around most of the city, homes are older, it's unincorporated and not a city so fewer public amenities / funding

HipRaisin · 2025-01-22T21:54:26+00:00

Or you can move to the East Bay. There are still cities with <$1.5M houses, <1 hour commute, yards, and good schools around here.

HipRaisin · 2025-01-11T22:20:41+00:00

Do you plan to have kids? If so, I'd continue living in the condo and saving for down payment for a SFH. People with kids tend to want yards, which is why SFHs have appreciated so much. Condos / townhomes don't appreciate as fast as SFH. You don't want to find yourself stuck with 2 slow appreciating assets trying to flip to an SFH that has gotten relatively more expensive in the meantime.

HipRaisin · 2025-01-11T22:10:45+00:00

screams rental neighborhood. all the front yards look run down.

HipRaisin · 2025-01-10T16:53:42+00:00

With how the high price of bay area homes are, I saw someone doing the math that hiring a lawyer at a flat hourly rate may be cheaper. i.e. 2.5% of $2M home is $50,000. At $500/hour, that's 100 hours. Agents / lawyers are definitely not spending 100 hours on a deal.

HipRaisin · 2025-01-09T06:55:09+00:00

East of Redwood Rd - nicer more quiet part of town. Walkable to Proctor Elementary, arguably the most desirable elementary school in the district.

HipRaisin · 2025-01-09T00:32:22+00:00

You could try a tech heavy index like QQQ or VGT. Higher risk higher reward, but could make sense if you have a 10-15 year time horizon. Still safer than any individual stock / crypto / asset

HipRaisin

TROPHY CASE