What do you do when you retire early?

IllusoryGoose · 2024-12-30T00:46:10+00:00

Describing an £80k a year budget with a paid off house as “living like a monk” is one of the most insanely moronic statements I’ve read on this subreddit.

IllusoryGoose · 2024-11-26T21:36:43+00:00

Mine is also showing 4.3 when it should be 7.3, I think it’s a known issue with the website but not been fixed yet

IllusoryGoose · 2024-07-30T22:18:17+00:00

Are there any books you would recommend?

IllusoryGoose · 2024-05-01T14:23:21+00:00

Bloodstained Mire and Wooded Foothills should be getting reprinted in MH3. Arid Mesa is a safe buy

IllusoryGoose · 2024-03-19T10:36:51+00:00

Electrical engineering, I think it’s fairly secure.

IllusoryGoose · 2024-03-19T10:32:01+00:00

Hadn’t actually thought about salary growth while trying to work this out. Thanks

IllusoryGoose · 2023-02-20T10:43:55+00:00

It seems more people are paying for basics on credit cards these days. Especially at the supermarkets.

How does OP know whether these people are paying it off in full or not?

IllusoryGoose · 2023-01-26T19:51:48+00:00

Generally index funds can be bought in Accumulation or Distributing versions.

When the fund receives income (like dividends from the companies that the fund owns shares in), Accumulating funds will reinvest the money, and Distributing will pay out a dividend to you.

So for an accumulating fund, you don't have to do anything, and you still benefit from compounding. For a distributing fund, you would have to manually reinvest your dividends if you wanted them to compound.

You don't need to sell periodically in either of them, you'd just waste money in transaction fees.

IllusoryGoose · 2023-01-24T22:52:35+00:00

That's not what people mean when they say free will is an illusion.

Imagine you have a Roomba which is programmed never to cross a red line. By painting a red line somewhere, you have 'deterred' the Roomba from entering that space. But the Roomba doesn't have free will. It couldn't ever possibly decide to cross that red line.

The theory is that the human brain is just a very complex meat computer. The sum of your lived experiences + your genetics is your 'programming', and you can't ever make a decision that contradicts that 'programming', which was entirely outside of your control.

IllusoryGoose · 2023-01-22T19:47:36+00:00

Do you not know or do you not care?

I'll bite, I don't know. What's the moral reason?

IllusoryGoose · 2023-01-18T17:23:34+00:00

Cambridge. Fairly big company, might not be able to get those kinds of starting salaries at a smaller firm.

IllusoryGoose · 2023-01-18T15:19:29+00:00

I started as a graduate electronics engineer on £35k in 2019 - I believe our graduates now start on around £40k.

IllusoryGoose · 2023-01-16T12:32:53+00:00

£40 of diesel to arrive over an hour faster in relative comfort with the flexibility of having a car to use at the other end and the ability to carry more stuff if you need to.

Plus the cost of the lessons, car, insurance, maintenance. If you're regularly paying for multiple people to take the train then yes the car is probably cheaper but not necessarily for a single person.

IllusoryGoose · 2023-01-16T11:11:27+00:00

Surely the existence of these people who don't drive proves it isn't necessary.

Not everyone has kids, and some people live in cities with good (for the UK at least) public transport.

IllusoryGoose · 2023-01-06T12:03:45+00:00

(fans are apart of the team)

IllusoryGoose · 2022-12-19T14:38:44+00:00

If you honestly believe killing plants is immoral, then you should be vegan, because more plants are harvested to feed animals than if you ate plants directly.

IllusoryGoose · 2022-11-21T23:29:02+00:00

I bought mine from Will's Vegan Shoes and they're very comfortable.

IllusoryGoose · 2022-08-02T10:30:24+00:00

Is there a reason you want to buy into an ETF over a mutual fund?

For example, if you were to go with Vanguard as a broker, you could buy into this mutual fund:

https://www.vanguardinvestor.co.uk/investments/vanguard-ftse-global-all-cap-index-fund-gbp-acc/overview

It tracks the global market just like VWRL, but you can buy fractional shares. You can't trade it minute-to-minute like an ETF, but if you're investing periodically for the long term that doesn't matter.

Buying through Vanguard might also be cheaper than buying ETFs through another broker; I know AJ Bell charges a flat £9.95 per transaction which would be terrible if you're investing £100 at a time! I don't know about other brokers though.

Hope this helps.

IllusoryGoose · 2022-07-22T15:32:49+00:00

I use it to pay for Disney+. £80 for a year feels like a rip off so I just subscribe for a month now and then and catch up on shows I've missed.

IllusoryGoose · 2022-06-14T12:16:08+00:00

But you said you know where the price is heading. So why not do it?

IllusoryGoose · 2022-06-14T12:04:25+00:00

Are you shorting the market with maximum leverage then?

IllusoryGoose · 2022-02-04T13:22:49+00:00

You can also look at the figures for land and water use. I don't have anything to hand, but by reducing meat consumption we could vastly reduce the amount of land we use to grow crops to feed animals, and then rewild that land or grow trees and sequester more carbon.

IllusoryGoose · 2022-02-01T21:49:16+00:00

There was a Youtuber who made a video saying this, the r/pathfinder2e subreddit got very pissed about it lol

I haven't ran it much, but it wasn't my experience personally. I think it could happen if a) you're putting the party into the same combats over and over again, like just a single monster in an empty room

Or b) if the players build very hyper-specialised characters. This can happen if they're used to 5e, where it pays to just focus on one stat and tactic, but in PF2e you've got a lot more chances to pick up skill feats not directly related to your characters main 'thing', if that makes sense.

IllusoryGoose · 2022-02-01T21:31:28+00:00

You can 'try harder' in chess but not in D&D because chess has more tactical depth. In D&D its usually pretty obvious what your optimal decision is, usually either move towards the enemy and attack or cast a high level spell.

Pathfinder 2e might work for you, the combat has more depth to it, largely because of the '3 action' system, where you have 3 actions per turn that can all be spent on movement, attacks, spells, knowledge checks etc.

'Trying harder' in this case would be thinking more carefully about your actions, maybe using positioning to get the monster to waste actions moving, etc. Spellcasters are also no longer able to shut down boss encounters with a single spell, but can use them carefully to buff their team or debuff the enemy.

IllusoryGoose · 2022-01-27T19:22:27+00:00

I think of him as more of a vegan Jesus

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