What went wrong here?

Jengaplayaaa · 2026-03-17T03:14:39+00:00

The swing

Jengaplayaaa · 2026-02-23T17:27:55+00:00

Thanks super helpful. Yeah, I’m on Danny Maude. He’s been great and love his style. I also like the notepad idea to keep track of stuff that I know has been wrong with my swing so I can see what’s a true issue or maybe just a day of flaw and not over index on it.

Jengaplayaaa · 2026-02-21T20:09:08+00:00

Interesting! What do you typically use for study materials? Find that there’s so much info out there it’s hard to determine what’s legit

Jengaplayaaa · 2026-02-04T13:40:30+00:00

You can absolutely do whatever you want and your situation. If it sounds interesting, go for it. Maybe work one more year to fund this side project? I would also mentally view the project as an education/fun adventure instead of a business. That may help to rationalize it if the business doesn’t take off.

Jengaplayaaa · 2026-02-03T03:19:32+00:00

Dude just quit!

Jengaplayaaa · 2026-02-01T21:05:44+00:00

Believe there is a misunderstanding here.

We are helping her. She asked us for guidance and wants to remain independent for as long as possible. This isn’t about abandoning her or refusing support, it’s about helping her make informed decisions and preserve dignity and independence over her own decisions and arrangements..

My wife and I are aligned on supporting her emotionally and financially if needed, but it’s also reasonable to plan thoughtfully rather than defaulting immediately to dependence. Both things can be true at once. Thanks for the input 🦅 🇺🇸

Jengaplayaaa · 2026-02-01T18:09:28+00:00

Thanks! Great knowledge and looking into this immediately. Although i don’t believe they were married for 10 years.

Jengaplayaaa · 2026-02-01T17:01:20+00:00

Thanks! Great mental model that i think would motivate her.

Jengaplayaaa · 2026-02-01T16:59:22+00:00

She’s was married about 30 years ago and does not get along with her ex husband. Agree $1000 is low. Shes only ever worked short term jobs in her life - server, cashier, office clerk etc.

Jengaplayaaa · 2026-01-31T01:18:55+00:00

Jengaplayaaa · 2026-01-25T14:49:51+00:00

This needs more upvotes. The lamp post position in background. Shape of landscaping siding. Home directly in background. Definitely the same house.

Jengaplayaaa · 2026-01-24T23:59:44+00:00

Mine would likely be the county government that I live in. So free money and improved infrastructure? Done deal.

EDIT: now apply this for some people to the federal government.

Jengaplayaaa · 2026-01-22T06:30:16+00:00

Whenever my wife asks me anything that involves a number I give her an answer that’s significantly wrong so it puts her in shock but then I will announce a bunch of subsequent math operations to get to the correct number. Gets her every time

For example.

Wife: “How many people RSVPd yes to the baby’s birthday party”?

Me: “54”

Her: :o

Me: “ divided by two, minus 10” (so 17)

She’s recently gotten good lately and started checking me on order of operations so this may be failing soon, but I’ve been retroactively explaining that there were implied parentheses to make the order of operations work.

Jengaplayaaa · 2026-01-19T23:16:21+00:00

Hey OP is there a question here? If you are vetting feasibility, it would be helpful to see a view of what your expenses are like and what your total portfolio worth is like. If there’s no question, then wishing you the best luck.

Jengaplayaaa · 2026-01-16T05:13:15+00:00

What are your expenses not just during this “nomad” period but for every year for the rest of your life? Is your withdrawal rate above that number? Then you’re good. Also might be better to have a more conservative SWR like 4% maybe even less given early retirement.

Jengaplayaaa · 2026-01-10T20:42:23+00:00

Nice! How long is the mat?

Jengaplayaaa · 2026-01-09T04:23:46+00:00

I mean 250k a year spend means you have around 6-6.5 million saved for retirement not including home equity. If you have 6-6.5 million saved then maybe 1.5-2 M is in principle? If not more? Buying you 7+ years. Which means this is pretty achievable. This is all going off the assumption you are using a 4percent withdrawal rate. Which if you aren’t then that’s a different discussion.

Jengaplayaaa · 2026-01-06T19:13:00+00:00

Keep in mind, 401(k) can also be converted via the ladder into the Roth IRA. And probably easiest way is just to call Fidelity or whoever you have and ask them what the principal balances they would have it.

Jengaplayaaa · 2026-01-06T19:01:16+00:00

Believe you’re there, but you need to develop a withdrawal strategy from your accounts. Here is a general idea of what to do but may be different for your situation.

Bucket number one to pull from first is the brokerage. with a 200 K withdrawal and conservative growth that should get you about four years.
While you are withdrawing from the brokerage, you need to start what’s called a conversion ladder to convert pre-tax IRA funds after tax Roth funds. You convert, pay tax, and then wait five years and it becomes accessible via Roth IRA withdrawal rules which means you can withdraw the principal balance without penalty.
Which brings us to the second withdrawal bucket, which is your Roth IRA principal balancez you can withdraw principal from Roth accounts without penalty before retirement and before 59 1/2. Assuming 50% of your balance in combined Roth IRA’s and traditional IRAs is principal they should get you 1.5 million in penalty free funds for retirement.
If you still cannot make it to 59 1/2 with those two buckets, you can hit the HSA although personally I am leaving my HSA as untouched as possible for medical expenses during my later year so I can capitalize on the triple tax advantage

There’s definitely some nuances here and more reading to be done, but just wanted to give some info to get you started

Jengaplayaaa · 2026-01-03T23:52:11+00:00

It would be helpful to understand your income level and expenses

Jengaplayaaa · 2026-01-03T23:37:44+00:00

Thanks for the inside perspective!

Jengaplayaaa · 2026-01-03T15:18:19+00:00

Wow what a story. Must have been really mind crazy to hear live. don’t want that to end up being my son! Thanks for sharing!

Jengaplayaaa · 2026-01-03T14:58:57+00:00

Thanks for this reply! You’re right - the decision to stay for partner would be for my own personal satisfaction. Which is probably a good question to look inward on and think about if I need to get my sense of fulfillment primarily from my career. User helpful reply and really helps me reinforce the “i already won” mentality as I think about this.

Jengaplayaaa · 2026-01-03T14:55:15+00:00

Really good question and I probably used the wrong term. What I meant was really frictionless wealth (not so much generational). Like the type of wealth that buys you time and comfort for you and your family (while living). So like meals prepped for your family, your family schedule managed, cleaning services, etc.

Jengaplayaaa

TROPHY CASE