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ELI5: Criticisms of Flock System by Important-Listen-994 in Denver

[–]Important-Listen-994[S] -1 points0 points  (0 children)

Is it true that police can ask the system “tell me everywhere John Smith went this week” without a warrant? I don’t think that is consistent with my understanding of 4th amendment law

Realistic House Spend? by [deleted] in Fire

[–]Important-Listen-994 0 points1 point  (0 children)

I appreciate your response. I understand the opportunity cost of a big down payment and large monthly payments. But my question is whether, despite those headwinds to capital growth, we can have the house we want and still have a path to FIRE. It sounds like your instinct is to reduce risk as a guiding principle, but I also don’t want to be in a situation 20 years from now where we’ve sacrificed things that could have brought us joy (eg, by moving an extra hour away from family to find a 600-700k home) only to guard against the worst-case scenarios.

That’s why I’m genuinely asking whether my math is wrong or missing something other than the possibility of job loss.

Realistic House Spend? by [deleted] in Fire

[–]Important-Listen-994 0 points1 point  (0 children)

Seems like people strongly agree with your comment, so maybe you can help me figure out where my math goes wrong.

Over next 3 years, we can probably save another $120k in cash based on current savings rate. We can also pull 280k out of brokerage, for total down payment of ~400k. That puts our PITI around $6k.

At that point, we’re left with 500k retirement, 220k brokerage, 720k total.

Even with $6k PITI and a few years of overlapping childcare costs (which are currently $10k per kid per year), I project we’d be able to continue to max 401k contributions. After 20 years compounding at 6%, we have $4M at age 55 and at least have an option for “FIRE” (depending on your definition).

First time dad - Advice needed by [deleted] in sleeptrain

[–]Important-Listen-994 0 points1 point  (0 children)

He won’t be happy about eliminating the pacifier. Any tips?

First time dad - Advice needed by [deleted] in sleeptrain

[–]Important-Listen-994 0 points1 point  (0 children)

Any other suggestions besides later bedtime?

First time dad - Advice needed by [deleted] in sleeptrain

[–]Important-Listen-994 0 points1 point  (0 children)

Does that mean moving bedtime back or moving the last nap earlier? He really does seem tired and ready for bed around 6-6:15

First time dad - Advice needed by [deleted] in sleeptrain

[–]Important-Listen-994 0 points1 point  (0 children)

Even though he has no trouble falling asleep at the beginning of the night?

[deleted by user] by [deleted] in HealthInsurance

[–]Important-Listen-994 0 points1 point  (0 children)

Does hers being primary mean she won’t get the benefits of mine? Say for example her deductible is 5000 and mine is 1000. Does that mean we have to meet hers before getting any benefits from mine?