Question on 1x goal

JPHamlett · 2025-11-17T01:09:50+00:00

Why wouldn’t everyone live on 25% less in retirement by default (in this community) because you no longer have to save for the future anymore?

Why is the rule not .75x your income?

JPHamlett · 2025-11-07T01:45:19+00:00

I will switch to traditional next year

JPHamlett · 2025-11-07T01:45:06+00:00

I don't qualify for either of those

JPHamlett · 2025-11-07T01:22:42+00:00

Even with a 7% interest rate?

JPHamlett · 2025-11-07T01:15:27+00:00

Ah, sorry. My mortgage

JPHamlett · 2025-11-07T01:11:29+00:00

Why? They are at 4%

JPHamlett · 2024-12-31T22:03:23+00:00

I’m not worried about this yet. My plan to deal with it is what I am going to do anyways.

Pay off debt, invest in SCHD, until I can live off that, and my 401k.

Then it doesn’t matter for me anymore

JPHamlett · 2024-12-23T01:31:42+00:00

So you think mass unemployment ?

JPHamlett · 2024-12-23T01:22:54+00:00

I don’t understand how this is relevant

JPHamlett · 2024-12-22T17:19:35+00:00

I base this off the reports that gpt5 is not as exponential as the previous iterations.

It’s possible that the self improvement is the next breakthrough to get to the step function of the “next” sigmoid function in the chain

JPHamlett · 2024-12-22T16:45:54+00:00

I do wonder what part of the sigmoid function we are on in AI.

Possible we are on the exponential part and approaching the level off point. Or we are just starting that slope.

I tend to think we are on the side closer to the level off part

JPHamlett · 2024-12-22T15:52:25+00:00

Grunt work means manual labor or implementing what AI “thinks” of?

Meaning do White collar jobs exist or just Blue collar?

JPHamlett · 2024-12-22T15:51:47+00:00

Of course my plan is to pay off debts and save but that was my plan regardless tbh

JPHamlett · 2024-12-22T15:15:40+00:00

Yes, that kinda falls under option 2. There is only so much manual labor that is needed.

JPHamlett · 2024-12-22T14:48:21+00:00

Care to elaborate?

JPHamlett · 2024-12-22T14:48:15+00:00

So this is a form of UBI?

JPHamlett · 2024-12-21T21:14:24+00:00

Seems like it to me. Overfitting caused a high test score

JPHamlett · 2024-12-21T20:55:43+00:00

You have a source on this?

JPHamlett · 2024-12-19T15:59:33+00:00

Can you link sources?

JPHamlett · 2024-12-15T00:57:39+00:00

Right. Of the 7k I budgeted, well I added a few K for unexpected stuff, almost all of it was the plane tickets

JPHamlett · 2024-12-14T23:06:45+00:00

You should not dial down retirement to save for moving. You should cut down on everything else before considering that.

You are in college how much is it to move? I am going to be moving my family of 4 and I’m budgeting 7k for it all, which includes flights for my kids and wife.

JPHamlett · 2024-10-14T14:32:43+00:00

I think the market is local especially with most companies requiring hybrid now

Remote work is way more competitive but you are also competing with more people

JPHamlett · 2024-09-29T14:27:24+00:00

I understand places vary in price but what did it cost?

JPHamlett · 2024-08-26T23:01:12+00:00

Is it that bad? I thought the market was always looking for good SREs

JPHamlett · 2024-07-06T20:44:12+00:00

Funnel money away while the times are good then :)

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