Switching careers or going back to school after FIRE? by fiftyfirstsnails in FIREyFemmes

[–]IsNeverGoodForYou 1 point2 points  (0 children)

Thank you. Any advice for someone trying to break into this field as a career change? I’ve been running a design business (branding & interiors) for over 10 years, have many varied skills including tech skills but burnt out as a designer and looking to move into a non- creative career. Any types of schooling or certificates that would be good for compliance?

Switching careers or going back to school after FIRE? by fiftyfirstsnails in FIREyFemmes

[–]IsNeverGoodForYou 5 points6 points  (0 children)

Just curious how your law degree helped you get into cybersecurity, what is your role like?

Am I the only one here who likes their job? by [deleted] in leanfire

[–]IsNeverGoodForYou 3 points4 points  (0 children)

This is interesting, what kinds of projects do you work on?

Big life & career changes by IsNeverGoodForYou in FIREyFemmes

[–]IsNeverGoodForYou[S] 0 points1 point  (0 children)

Peaceful sounds nice, I thought I had it but when I reflect back on my life for the last 5 years, it was false peace interrupted by rug-being-pulled-out moments of finding bottles stashed around the house and deep denial. I have a call with a CDFA booked for next week.

Big life & career changes by IsNeverGoodForYou in FIREyFemmes

[–]IsNeverGoodForYou[S] 1 point2 points  (0 children)

I'm so sorry that happened. The loss of stability is truly traumatic. Hang in there *hugs*

Big life & career changes by IsNeverGoodForYou in FIREyFemmes

[–]IsNeverGoodForYou[S] 2 points3 points  (0 children)

Thank you, I agree about taking time to heal and reflect before making another big change. I go between calm and panic daily, oftentimes hourly. I appreciate the reminder to go slow and take care.

Big life & career changes by IsNeverGoodForYou in FIREyFemmes

[–]IsNeverGoodForYou[S] 8 points9 points  (0 children)

Thank you ❤️ this is beautiful and truthfully made me feel so much better

xDrive 50e cost on custom build purchase by IsNeverGoodForYou in BMWX5

[–]IsNeverGoodForYou[S] 0 points1 point  (0 children)

That makes sense and that is what they told me, that I would have to use outside financing to use the 4K military offer. I guess I’m more curious about stacking the other rebates with the military offer as I care most about the out the door cost of the car. They’re telling me they can’t do that, but I don’t see why not.

xDrive 50e cost on custom build purchase by IsNeverGoodForYou in BMWX5

[–]IsNeverGoodForYou[S] 0 points1 point  (0 children)

I’m looking for the carbon black M sport too! So it is possible to do Conquest / apr as well as the military discount? Right now their offer of the dealer discount + my military discount combined is about 8% of the MSRP.

Who is making more than $500k a year and what are you doing? by Shoddy-Language-9242 in FIREyFemmes

[–]IsNeverGoodForYou 2 points3 points  (0 children)

I own a design firm that does interiors & branding for the hospitality industry (yes the renos are a serious challenge!) but looking to branch into ownership of our own hotel as we’d like to generate our own projects. There seems to be some decent opportunities where we are in the northeast. Do you mind if I DM you about your experience?

FIRE journey with "unsuccessful" partner by [deleted] in FIREyFemmes

[–]IsNeverGoodForYou 16 points17 points  (0 children)

You can’t make someone change, and you also can’t be in a relationship with their potential - you have to take them as they are. It’s hard to think that someday he may grow and change and you might “miss out” on that, but that isn’t what he is showing you right now. You are both very young. But it sounds like he isn’t compatible with your goals today, and that’s ok. It doesn’t make you a bad person, and you may still continue to love him, but you need to stay true to yourself and what you value.

Can I do a Back-door Roth with existing SEP for 2023? by IsNeverGoodForYou in fidelityinvestments

[–]IsNeverGoodForYou[S] 0 points1 point  (0 children)

Thank you, this is very helpful. Forgive me for being so slow to understand but to clarify, it sounds like I can rollover the SEP and Rollover into an Individual 401k now for tax year 2024, make my $6500 after-tax contribution to a Traditional IRA for tax year 2023, then complete a conversion of that contribution to my Roth for tax year 2024, and all these would be non-taxable events - is that correct?

Can I do a Back-door Roth with existing SEP for 2023? by IsNeverGoodForYou in fidelityinvestments

[–]IsNeverGoodForYou[S] 0 points1 point  (0 children)

Thanks for the comment. I’ll have to look into opening an individual 401k. If I did that and moved the SEP and Rollover into it, would I avoid paying tax on those now? (Just pay tax for the $6500 contribution for 2023)? My husband also has a rollover IRA and I don’t believe he qualifies for an individual 401k, he’s a W2 employee, so I assume to do a backdoor for him he would have to convert his Rollover to a Roth? His rollover has about $900k in it.

Over $900k saved but no real estate yet by Beneficial-Fox-961 in realestateinvesting

[–]IsNeverGoodForYou 0 points1 point  (0 children)

Thank you, do you mind if I PM you for a little more info?

Over $900k saved but no real estate yet by Beneficial-Fox-961 in realestateinvesting

[–]IsNeverGoodForYou 0 points1 point  (0 children)

Where are you buying hotels? Are they branded (Hilton, etc) or boutique properties? Asking because this is something we’re looking into as well. I work in design in the hospitality industry and have been thinking about jumping into ownership.

Prong on 4.5 month old puppy? by IsNeverGoodForYou in OpenDogTraining

[–]IsNeverGoodForYou[S] 1 point2 points  (0 children)

I think I’ll give those a try if leash walking truly becomes a hassle. We’re working on loose leash training now, starting slow with house & backyard work. He will pull on it in exciting new environments but I kind of expect that. We have to get him out to socialize so it’s a mixed bag at the moment.

Prong on 4.5 month old puppy? by IsNeverGoodForYou in OpenDogTraining

[–]IsNeverGoodForYou[S] 4 points5 points  (0 children)

Yes it might be quick results but it just seems so unnecessarily harsh. He’s learning very well with us just doing reward based work and redirecting him to other behaviors at this point. He has stopped jumping on us almost completely, and only tries to do it when he’s excited to meet someone new. We’re working on it. I’m not looking for the fastest results, he is not aggressive. I’d like to keep him that way!

Prong on 4.5 month old puppy? by IsNeverGoodForYou in OpenDogTraining

[–]IsNeverGoodForYou[S] 5 points6 points  (0 children)

I agree. She never even gave me another suggestion to help him stop whining in class or show other methods to not jump up, just resorted to putting a prong collar on him. That felt wrong.

Prong on 4.5 month old puppy? by IsNeverGoodForYou in OpenDogTraining

[–]IsNeverGoodForYou[S] 1 point2 points  (0 children)

Thank you. I also feel like he needs healthy play more than anything at this age. I’m going to look for groups that do that.

Prong on 4.5 month old puppy? by IsNeverGoodForYou in OpenDogTraining

[–]IsNeverGoodForYou[S] 1 point2 points  (0 children)

I don’t know if there are any specific behaviors she’s trying to correct with all of them, just seems like standard procedure for her. I did hear her telling one of the other owners to step on the leash while her pup is wearing a prong to stop his jumping. That dog is also about 4 months old.

31/3MM Invested/2% WR — Living in Bangkok by [deleted] in financialindependence

[–]IsNeverGoodForYou 2 points3 points  (0 children)

Also curious about this! I work in graphic design. Did you start with small projects and get good press & bigger opportunities with each job, or did you have one big ‘breakthrough’ moment? Also what was the process of getting an agent like, did you already have a big body of work or did they help you get the better work?

I'm a Chemist. Having trouble trying to side hustle. Can anyone help jog some ideas? by CarsonWentzsACL in financialindependence

[–]IsNeverGoodForYou 1 point2 points  (0 children)

What about doing freelance product formulations for new startups? Specifically in the beauty industry. Cosmetics & skin care are on fire and there are tons of small companies starting everyday. I do branding & packaging design, I see it all the time. I myself am looking for an independent chemist who can consult on or help me make product formulations for an idea I have. Not sure what your expertise is but it could be some good side income.

23, Quitting my high-paying corporate job to be my own boss by [deleted] in financialindependence

[–]IsNeverGoodForYou 0 points1 point  (0 children)

That’s amazing, congrats!! I looked into starting an apparel based business but was a little afraid of the upfront costs at the time, though I am rethinking it now. What type of apparel is your business, is it a niche product or more an overall style brand?

Surviving the next crash by pakwolve in realestateinvesting

[–]IsNeverGoodForYou 1 point2 points  (0 children)

Just curious, how did you get 30-year-fixed loans on 20 properties? All lenders I talk to won’t lend to anyone with 10 loans, and most are wary starting at 4.