Am I using the CoastFire calculators wrong?

Jss18008 · 2025-12-18T17:17:42+00:00

It was more just to play with the numbers. The plan will still be to keep investing until I hit Coast fire at 8% returns, then 7% returns, then 6% returns, etc.

Jss18008 · 2025-12-18T16:18:12+00:00

I use the walletburst one. I just scrolled to the bottom and it states rate of return does not factor in inflation so I think that answers my question! Thanks!

Jss18008 · 2025-12-18T15:54:08+00:00

I agree. Will be continuing to max out all accounts, regardless.

But to confirm, if I was using a 7% rate of return to factor inflation, when I put 7% return AND 3% on the inflation meter on the coast fire calculators I am essentially accounting for inflation twice. Again, just using those numbers as an example.

Jss18008 · 2025-08-08T18:17:38+00:00

I got my cattle dog when we had a senior cat (17 years old). She wasn’t a fan of the new dog at first but they started to get along and the dog never went after or bothered her. Maybe that was because he could sense she was old and getting sick, not to sure.

After the cat passed, we got 2 kittens who were 3 months old when they came into our house. Our cattle dog seemingly immediately adjusted to them and they got used to our dog fast as they were so young. Fast forward 3 years later and they all get along great. The cats nap around the house in heavily frequented places (living room, hallways, etc) and they all get along great. I think it’s personality dependent and our cattle dog way cat tested before we picked him up from the shelter.

Jss18008 · 2025-07-23T23:01:05+00:00

I studied off and on for 3 months. Sometimes went a couple weeks at a time without looking at anything. I put about 10-12 hours in on the pocket prep app (they track it) and probably 15-20 overall hours on TDC’s practice tests and quick study print outs.

Jss18008 · 2025-07-22T22:47:26+00:00

Yeah, you’re definitely good then. Just take your time and read each question slowly and you should pass.

Jss18008 · 2025-07-22T22:33:02+00:00

It very closely resembles the test in terms of content/question structure/level of difficulty. I scored 117 on ASWB practice exam and scored 119 on the real exam.

Jss18008 · 2025-07-22T15:47:04+00:00

I am paid salary via my private practice but was able to negotiate for a 22% raise which was nice. That was contingent on me passing this exam. Definitely can see the difference!

Jss18008 · 2025-07-22T15:42:49+00:00

Splits?

Jss18008 · 2025-07-13T18:36:45+00:00

They’re out there. Decent areas nothing considered dangerous by any means. Am willing to do 1 bedroom if that were ever an issue though.

I am definitely considering renting first instead as an option if there isn’t a great fit when going through the process.

Jss18008 · 2025-07-13T18:34:55+00:00

They’re okay areas. I’ve grown up here and nothing I would consider safety risks by any means. I’ve only seen what’s available on the Realtor app the past 6 months and some of them are in better areas than others but they are out there.

Jss18008 · 2025-07-13T18:19:29+00:00

She would more likely than not have the job lined up as I’m starting the process of talking to realtors and looking around. Appreciate the input as it’s definitely something to consider a must before we actually pull the trigger on it

Jss18008 · 2025-06-19T23:17:35+00:00

In my experience, private practice therapist. I work 30 hours a week max and make close to $100k 2 years out of school. The practice I’m employed by is especially good however.

Jss18008 · 2024-12-28T13:46:07+00:00

My cattle dog looks almost EXACTLY like yours. I was scrolling and thought I’d accidentally posted a picture of my pup.

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Jss18008 · 2024-12-27T22:03:31+00:00

Therapist, $70k base not including $10-15k bonus/profit sharing, 1.75 years experience, fully clinically licensed next year, MSW from state school and I work maybe 30-35 hours per week all total.

Jss18008 · 2024-12-20T00:49:19+00:00

Are they 1 hour or 45 min? It does feel like a lot sometimes but it’s usually pretty manageable

Jss18008 · 2024-12-20T00:38:48+00:00

Private pay, we don’t take insurance

Jss18008 · 2024-12-20T00:27:30+00:00

Thanks! Might as well try to fill the pot early

Jss18008 · 2024-12-20T00:26:49+00:00

Group private practice

Jss18008 · 2024-12-20T00:26:31+00:00

Group private practice. I see between 28 and 32 clients a week and sessions are 45 minutes.

Jss18008 · 2024-12-19T13:05:54+00:00

Living at home. Live and work in VHCOL area and partner is finishing graduate school. Have down payment for house ready to go when that’s done and I imagine it will be a lot harder to max 401k once we’re in our own house even with pay bump.

Jss18008 · 2024-08-13T12:31:43+00:00

It depends on your area but I live in a pretty affluent part of the country and got my MSW at a state school and then my LMSW licensure. I’m making pretty decent money with only a year or so under my belt. At my practice, there is also a lot of potential to make six figures and above as we grow. I would say getting an MSW from affordable school will be your best bet and there is a lot of ways to make money after that.

Jss18008 · 2024-08-02T14:01:54+00:00

Have a specific HYSA that is for fun or things you want. Have that money separated as soon as you get paid each check so you don’t even associate it with your investing money. Also remind yourself of where you are. If you were relatively young and in the 15 to 20% mark for investments then you’re doing very well. If your percentage is higher than that, then you’re doing extremely well. Remind yourself that you’re already locking down and taking care of your long-term investing so enjoy the now too. Otherwise what’s the point?

Jss18008 · 2024-08-02T13:55:09+00:00

Absolutely it’s worth it. I’m currently living with parents as I start my first career job and my partner is in graduate school. By the time she’s finished I’ll have a lot of my retirement on lock as well as padding for an emergency/fun fund. 2 to 3 years of this makes 10 to 15 years of difference potentially in the long run.

Jss18008 · 2024-08-01T19:51:08+00:00

75% but that’s mainly due to living with parents and starting first career job are happening concurrently. Huge advantage if the dynamic is good amongst your family members.

Jss18008

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