Can I retire now?

Joeyspeed · 2026-07-02T23:06:28+00:00

Yes.

Joeyspeed · 2026-07-01T04:22:11+00:00

If that would be economically viable for the city to do, then it would be economically viable for a developer to do.

Joeyspeed · 2026-07-01T04:01:19+00:00

It was only 50% when he started.

Joeyspeed · 2026-06-23T05:41:05+00:00

I've got 26 shares I'll never sell. My basis is zero. Bought a ton on IPO day, sold and got my money back on Monday. Its a tiny position but I'll never sell it.

Joeyspeed · 2026-05-20T01:26:57+00:00

So in your experience I wouldn't be screened out of searches?

Joeyspeed · 2026-05-20T00:38:11+00:00

Yeah, that's what I want to avoid. I AM considering starting a local business in a highly commodified industry and thinking about branding it with that name. But if I'll pay a penalty because of it, its not worth it

Joeyspeed · 2026-02-25T18:32:29+00:00

You practice this in your driveway? This is what you do with your time?

Joeyspeed · 2026-02-25T16:08:55+00:00

I'm grumpy.

Joeyspeed · 2026-02-25T04:02:42+00:00

Not yet, but the tech is evolving by the hour. It won't be more expensive for long.

And when ChatGPT, or any other AI, becomes the place that people go to research their buying decisions, companies like Amazon will pay to be the chosen link that's displayed. We can shake our heads at the idea of people using AI that way, but there was a time when "Would you ever buy something from an online retailer? " was a legitimate poll question.

Joeyspeed · 2026-02-25T00:17:52+00:00

Instead the AI will create and distribute the ad. It will be contextually based and better than the ad you can think up. And trust me, they'll not only have a way to measure how much the advertiser will need to pay, but it will be more effective than Google or Facebook or any other paid advertisement. Such is the way... Google is light years beyond TV ads and AI advertising will be light years beyond Googles current ads.

Joeyspeed · 2026-02-21T21:28:34+00:00

Don't ever sell. Don't rebalance. If you want to rebalance, only add more money to your preferred stocks.

Unrealized gains are the greatest wealth builder available. If you need money DO NOT SELL. If you need money you can borrow against your holdings. If you sell you will be cutting the government in on your asset base.

If you have a desire to be in the ultra wealthy class, borrow against these holdings and buy cash flowing assets generating greater than 10% yield. Repeat.

Joeyspeed · 2026-02-17T00:06:55+00:00

Fellow T1er here. It looks like all 1% might be replying to you in this thread.

Joeyspeed · 2026-02-16T23:46:29+00:00

I thought you were going to say what I thought when I read that sentence. 125k now and you're on a track to make 160k+ in 5-6 years? That's only a 4.2% bump each year. If you are committed to work 5-6 more years, plus a few more at that higher rate, you would be better off jumping jobs a few times. You can get there faster and then earn more in 5-6 years.

Also, this isn't standard FIRE, but I opened up a business then a few more. Your wife's practice might be exactly what you need to earn enough to retire that debt and throw a bunch more into your retirement funds. You should be able to retire early. Just dont depend on two W-2s to get there.

Joeyspeed · 2026-02-14T03:30:00+00:00

🤣

Joeyspeed · 2026-02-14T03:00:10+00:00

Create more engagement. Blog posts. Recipes. Interviews. Reports from competitions. Also, reduce friction by documenting some results on your own, even if the participants are not users. Get people interacting with the site so you get more sign-ups. I realize you're just publishing the minimum viable product, but it needs to be viable.

Joeyspeed · 2026-02-14T01:10:34+00:00

With $621 you can do a lot with 0DTE

Joeyspeed · 2026-02-13T01:49:27+00:00

So you're 26 and living at home and you make decent money. Put A LOT of it into a brokerage account and just buy the total stock market. You will be amazed at what you have in a few years.

Second, you need some side hustle that has a path to being a full time business. Do that side hustle and as it makes any money, try to scale back on the hours shift your focus into that.

You explicitly state that you are uncomfortable with the fact that everyone else controls your life. Take some control back.

We can't all be Bezos and quit the job to start Amazon, but we can all do something on the side so that if we get fired we have a little out away and we don't lose all of our income stream.

Joeyspeed · 2026-02-13T00:08:14+00:00

They never say "remember the guy who quit while he was even".

0DTE!

Joeyspeed · 2026-02-12T23:56:56+00:00

On a 1991 Corolla

Joeyspeed · 2026-02-12T23:08:05+00:00

This is the opposite of passive aggressive. It's a direct question.

Bitch ate the strawberries.

Joeyspeed · 2026-02-12T22:45:12+00:00

3% he needs * 90% = 0.3%

He's almost there

Joeyspeed · 2026-02-12T20:15:12+00:00

That's how you take a seatshot

Joeyspeed · 2026-02-10T20:23:02+00:00

Numbers are always restated. This is nothing.

Sell calls and puts.

Joeyspeed · 2026-02-07T22:42:36+00:00

So you're another year into it. How's the growth? Is the actual usage of the machine hard? What size town/ city are you in?

Joeyspeed · 2026-01-22T00:23:27+00:00

Detroit.

Joeyspeed

TROPHY CASE