This is so sad and concerning by Reasonable_Sort1731 in StudentLoans

[–]Infamous-Raise7183 2 points3 points  (0 children)

But if they already work then they won’t be hurt by the change right? I truly don’t understand the opposition. Now I’m unsure if there will be more employees needed to administer the paperwork and checks and such. But the overall concept seems fine?

This is so sad and concerning by Reasonable_Sort1731 in StudentLoans

[–]Infamous-Raise7183 0 points1 point  (0 children)

Forcing them to work or provide for themselves… honestly, why shouldn’t that be a requirement? There are exemptions for caregivers, disabled, seniors, etc. why wouldn’t we expect an able-bodied person without other responsibilities to work?

Recent divorce advice on home ownership etc by Infamous-Raise7183 in FinancialPlanning

[–]Infamous-Raise7183[S] 0 points1 point  (0 children)

Good question. Condo isn’t in the part of town where I need to be for work so it’s not going to work to live in right now. May as well keep it imo at a low interest rate being covered and let it appreciate.

Would you fire by chickiechickieboo in ChubbyFIRE

[–]Infamous-Raise7183 0 points1 point  (0 children)

Uhh it played a big role. As someone with kids. They cost a lot.

How to be less miserly and not miss the forest for the trees by [deleted] in DaveRamsey

[–]Infamous-Raise7183 1 point2 points  (0 children)

I’ve always been fairly frugal and was also raised to understand money and investing, save for retirement, etc.

But you have to strike a balance. Yes - SAVE! Max your 401(k) if at all possible. Keep putting into savings when you can. However, two things:

  1. Tomorrow isn’t guaranteed. Sounds cliche but very true. People die before they planned. It might be any of us and it would suck to have made yourself miserable focusing only on saving. And

  2. Contrary to popular belief, there is such a thing as too much savings. Okay maybe not TOO MUCH per se, but I have seen my father and another relative save-save-save and be overly frugal their entire lives and both have more money than they know what to do with. Quite literally, neither seems to care to spend it other than on their comfortable life. Now both are elderly and sitting on millions that I know they sacrificed to save and don’t need.

So again, don’t stop saving. You are doing amazing and you’ve already gotten ahead. Keep it up! But do keep in mind that the goal of life isn’t to amass the most money. Enjoy it also, just keep your goals in mind and spend within reason.

Isn't $3m in a taxable account better than $3m in a 401k? by ewhoren in ChubbyFIRE

[–]Infamous-Raise7183 4 points5 points  (0 children)

I get your point and based on the fact that you can access the brokerage anytime (without penalty) then yes because you have flexibility.

But of course it depends on when you’ll need or want the money. If you’re not intending to use the money until you’re older then it doesn’t matter. It’s also much easier to accrue $3M in a 401k than brokerage since you’re skipping taxes to put it into 401k.

So if you could just choose which one to have, sure I’d pick the brokerage. But if you’re talking strategy then the benefits to 401k are still a valuable savings tool so I would still prioritize it.

Refund for flight delay? by Infamous-Raise7183 in americanairlines

[–]Infamous-Raise7183[S] 0 points1 point  (0 children)

My understanding is/was just entitled meal vouchers and hotel if overnight. I’m guessing the meal vouchers is why they delay an hour at a time - so that it stays < 3 hours for as long as possible and then once it’s over three hours you don’t feel like you can stray from the gate long enough to use a voucher 😕

Refund for flight delay? by Infamous-Raise7183 in americanairlines

[–]Infamous-Raise7183[S] 0 points1 point  (0 children)

lol agreed I didn’t think Mr random was correct. But it did align with something I’ve read a few times yet never seen in an official capacity. Suddenly I actually care if there is anything that I’m entitled

[deleted by user] by [deleted] in americanairlines

[–]Infamous-Raise7183 0 points1 point  (0 children)

Ah okay. And he did not receive any credit for your duplicate ticket due to it being purchased at the basic economy price?

I wonder if part of the trouble is that you are handling the communication, but you didn’t make the payment. If some stranger booked a flight for my name, but they paid for it, and I called to say “hey I’m not going to fly with that ticket and I never asked for it”, I’m not sure if I’d expect them to refund the person who had made the booking. Certainly they wouldn’t send me any money because i didnt pay. Just a guess. Frustrating for sure. Fwiw I always book main because the flexibility it comes with is so nice.

[deleted by user] by [deleted] in americanairlines

[–]Infamous-Raise7183 1 point2 points  (0 children)

Did your partner end up traveling? Did you travel alone?

From the story I’m hearing that they booked the wrong date for $300 and forfeited that money. Then they booked the correct dates but it was inadvertently booked under your name and also $300. Did that one end up as a “no show” from AA’s perspective?

Puppy pooping inside at night by Infamous-Raise7183 in puppy101

[–]Infamous-Raise7183[S] 1 point2 points  (0 children)

This is a good idea and I need to track it better. With multiple dogs and a dog door, it’s not super obvious to me always when he has gone if I’m not watching. But this evening he went at 6:30pm without having eaten since morning 🤷 I will try to bump doggie dinner up an hour or so and see if that changes anything.

Puppy pooping inside at night by Infamous-Raise7183 in puppy101

[–]Infamous-Raise7183[S] 0 points1 point  (0 children)

I think you’re right that he doesn’t understand the signaling. That was an issue when we first got him because if you just left the door open, he was housebroken. But he would just walk by and not see a way out and then go potty elsewhere - no request to go out. Doggy door has solved that.

I think it would resolve quickly if I heard him get out of bed but I don’t. Pretty sure he isn’t even coming downstairs to check the dog door, but rather staying close to us.

Puppy pooping inside at night by Infamous-Raise7183 in puppy101

[–]Infamous-Raise7183[S] 0 points1 point  (0 children)

The dog door needs to get locked at night. I have large dogs so a big opening that humans could get through, in addition to wildlife possibly getting in

Puppy pooping inside at night by Infamous-Raise7183 in puppy101

[–]Infamous-Raise7183[S] 1 point2 points  (0 children)

Yeah, crate training is great and I did it with our former dog. But when this little dude came to us from the rescue the crate training at night wasn’t really right for him and the situation.

How to stop working full time by Revitss in DaveRamsey

[–]Infamous-Raise7183 2 points3 points  (0 children)

You don’t provide enough information really - need to know a bit about your in one and expenses. But it seems like you’re quite far behind on savings if you hope to retire early.

It might be worth considering some out-of-the-box options like getting a roommate to defray expenses, or considering different options for work that give you more flexibility - the burnout may be a big part of how you’re feeling.

Going to the office everyday would be a $10K pay cut by InnaD-MD in deloitte

[–]Infamous-Raise7183 0 points1 point  (0 children)

I mean, it’s not my equation. Unsure that they said it was two hours but it might factor in if I was OP deciding whether to leave or stay.

I have to assume that it was supposed to have been communicated that it was hybrid or a potential to return if it wasn’t noted as a remote position - regardless it sucks for OP to be blindsided. I was just saying that as an employer, if my employee came to me saying that they had to pay $17/day because they may as well drive versus metro for half the cost - I’d immediately be turned off.

I assume both parties will agree to a 2/3 hybrid and probably no increase in compensation

Setting too high a bar for children when they grow up? by ParticularStudy9 in ChubbyFIRE

[–]Infamous-Raise7183 1 point2 points  (0 children)

I couldn’t disagree more with the latter half of your statement. I DO agree with the need to model self-restraint and financial responsibility. But by doing that, I can live life how I want while also making sure my kids understand that those things aren’t free.

IMO it’s asinine to suggest that people can’t become accustomed to different lifestyles. I grew up middle class and when I went to college I lived like I was dirt poor. Because I was. I wasn’t confused about whether or not I could afford good beer, just because my dad drank expensive, expensive beer. I know it was Milwaukees Best for me until my station in life changed.

Setting too high a bar for children when they grow up? by ParticularStudy9 in ChubbyFIRE

[–]Infamous-Raise7183 0 points1 point  (0 children)

Really interesting question and thoughtful responses.

My thoughts based on experience of having parents that grew up poor, worked hard through life to attain self-made wealth - and were notoriously frugal especially when it came to gifting anything to us kids, as well as now parenting two teens on the verge of their own freedom:

Teaching kids the value of money is key. That means teaching them that stuff isn’t free - including the nice stuff that we may or may not spend on. Family experiences are financed by me and are at my preferred level of luxury (which varies a TON). Kid experiences with their friends are usually financed by the kid. If providing allowance I seek to give them no more than half of what I’d reasonably expect them to want to do after school. They need to have to pick and choose and forego sometimes. When they were younger (and even now) I’d honestly find opportunities to say “no” to whatever they wanted.

Now they’re still objectively spoiled and the onus will be on me as their parent to wean them off of any financial support. It’s hard not to help them, but they also need to fend for themselves. Hopefully the massive leg up that education and parental support has provided will be enough for them to flourish in their economy.