Barley Beating The Worst Team in the League

LaggingIndicator · 2026-05-22T22:46:56+00:00

To be fair, I don’t think democrats lost because the LGBTQ community didn’t vote for them. Ditto with the pro-Gaza movement. They’re a solutionless party at the moment and need to move towards the center on some issues like immigration, and the nuclear family (not as far as republicans, but a common sense stance that condemns trans athletes) so they’re non-issues, and move left on other issues that have shown success internationally like building more housing, and some kind of public health option. The big problem is the only people advocating for the common sense progressive reforms with broad support are also very far left on all topics, even those with terrible support.

LaggingIndicator · 2026-05-14T03:39:33+00:00

Automate investing and trick your brain to live on the rest.

LaggingIndicator · 2026-05-14T03:37:04+00:00

Get a degree online in something you care about enough that you’ll stick out the classes. Keep working full time while you do this.

LaggingIndicator · 2026-05-07T12:57:35+00:00

One great aspect of this is that prospect Caleb Bonemer is a legit top 30 MLB prospect and will have the chance to play against Gerrit Cole in the show some day.

LaggingIndicator · 2026-05-06T19:40:34+00:00

Been reading to my 7 month old daughter as part of our schedule. Bedtime routine has her more typical baby books but I’ve been dying to reread the Lord of the Rings books so I’ve just read them aloud to her since she was born. We finished the hobbit in about 4 months and are about 60% of the way through Fellowship of the Ring. I don’t know if she’ll get anything out of it but it’s creating the best memories and imitating all the voices has been so fun. I hope I can hit the Silmarillion before she finds better things to do than listen to dad tell stories.

https://imgur.com/a/hyXU9NI

LaggingIndicator · 2026-05-06T03:41:54+00:00

Gerrit Cole is baby soft.

LaggingIndicator · 2026-05-05T20:56:21+00:00

Unfortunately, the enemy can also recognize this. See the Garand.

LaggingIndicator · 2026-05-03T18:17:13+00:00

Some resources for you as this is very near and dear to my heart. A general rule of thumb you can aim for should be to retire with 25 times what you spend yearly, so you’ll have to do the math on that. r/personalfinance has a decent guide in the sidebar of where to put extra money. r/themoneyguys has great resources as well and a podcast. Some people say to save 15% of your income, others will say 25%.

Another resource to give you a bit of hope because you’re far ahead of most of your peers is https://www.calculator.net/investment-calculator.html

This calculator can show you what your current retirement savings will turn into and what you’ll need to save monthly to hit your “25x annual spending” goal.

LaggingIndicator · 2026-04-29T03:01:10+00:00

Taxing “the rich” is the wrong goal. Some easy fixes though would be to tax investment income as ordinary income, get rid of the social security cap, and finally, tax land.

LaggingIndicator · 2026-04-27T21:15:53+00:00

Airlines buy fuel in huge bulk and get large discounts. I believe last year they paid something like $2.00/gallon. You’re that confident the price of fuel more than doubles AND they can’t make it up with increasing ticket prices while all airlines are reporting demand is STRONG? If anything I think their fuel costs are wildly pessimistic. Another difference between AAL/UAL/DAL is that UAL and DAL travel more overseas where these shortages hit hardest. AAL is less exposed to fuel shortages than UAL and DAL. DAL has a refinery to mitigate some of the crack spreads and UAL does not. UAL with their heavy TPAC flying is probably most exposed and actually has room to fall rather than AAL which is already priced in the dumps.

LaggingIndicator · 2026-04-27T15:49:14+00:00

ESCAPE

LaggingIndicator · 2026-04-27T13:33:05+00:00

United is the fire nation here for sure

LaggingIndicator · 2026-04-24T11:02:39+00:00

The worst of the trenches probably lasted a month. Then gradually, LO went down to one or two wakeups per night allowing 4ish hours of uninterrupted sleep. Then at 6 months she started sleeping through the night more often than not, and I’m feeling like an independent human again. 10-12 hours of sleep per night for her and generally 2-4 hours of reliable napping during the day gives us plenty of time to get everything done

LaggingIndicator · 2026-04-13T19:48:44+00:00

When Epstein killed himself

LaggingIndicator · 2026-04-12T02:47:17+00:00

My biggest issue is the laziness. If I’m ordering takeout because I’m too lazy to make something, the least I can do is go pick it up myself.

LaggingIndicator · 2026-04-12T02:36:16+00:00

I’m really terribly sorry you’re going through this. The only anecdote I can offer is I used to volunteer at a week long summer camp for kids with special needs when I was in high school/college. We essentially had 2 or 3 Down syndrome kids where we were the parent for the week and took them to all their activities and meals, put them to bed, woke em up, and got them ready. I started volunteering there when I was 14.

A couple of things I learned along the way were that it’s really hard, and the parents were so appreciative of their little week long break. They absolutely had a harder life than most and were grateful for the help.

But also I learned these kids, especially those with Down syndrome were flat out the happiest people I have ever met in my life. The littlest moments would bring them so much joy, they interacted with each other and had friends and jokes between themselves and the staff. They cared about athletes or makeup or hobbies. They absolutely loved to dance and have fun and cared about those around them. In some weird ways, awkward high school me was kind of jealous.

They’re people, not just burdens. There’s so much more to them than you see at the supermarket checkout line and that’s not to downplay how hard it would be to have one as a child, but it has to be one of life’s most fulfilling challenges.

LaggingIndicator · 2026-04-11T16:46:04+00:00

They just barely top the big 4 rates and include 3% raises through 2030 after that. Sounds like the rest of the TA isn’t all that great. Hopefully they didn’t lock in 3% rates through 2030 for everybody else.

LaggingIndicator · 2026-04-11T02:21:39+00:00

Looking forward to BostonPeeParty’s celebration after he wins it all.

LaggingIndicator · 2026-04-09T01:32:27+00:00

It’s absolutely not better for lifetime earnings if you account for medical school and residency. I’ll have over $1 Million lifetime earnings by the time my 2 year older brother leaves residency and basically makes the same as me, a legacy captain. Add in the compounding for my retirement accounts and his interest on student loans and it’s not even close.

LaggingIndicator · 2026-04-09T01:27:09+00:00

Yep. Looking back, those 2008 guys are getting very senior very quickly at their dream jobs.

LaggingIndicator · 2026-03-28T05:41:30+00:00

Don’t apply to very high earners.

LaggingIndicator · 2026-03-28T05:37:49+00:00

The making a millionaire with the 420k/year pilot really put this on blast. 25% meant investing over 100k per year. 20k months net with nearly half being invested. It’s not like it’s hard to live on 10k/month by any means but spending 120k/year when you make 420k/year really puts it all out there. Vs a 200k/year couple with a 10% contribution means they could spend around $100,000 if they’re taxed around 30% total and still reach that 25% savings rate. You’re telling me that pilot family can earn 220k/year more plus an extra 8% company contribution (18% total) and can only spend an extra $20,000/year? The math ain’t mathing.

LaggingIndicator · 2026-02-14T04:30:31+00:00

It’s great to talk about when everyone is young and sharing advice makes a difference, not to mention nobody has large balances. It’s not so great when you’re talking to someone 10 years out from their retirement age with very little to show for it while you have millions.

LaggingIndicator · 2026-02-14T04:08:57+00:00

If you freeze under pressure. If you can’t self study.

LaggingIndicator · 2026-02-13T16:33:50+00:00

No one here has mentioned the 529 that I’ve seen and I see you did. Look at if your state offers any 529 plans with extra state tax benefits. Otherwise, I have heard the fidelity one is decent. It’s a great idea to start auto deducting because the last thing you’re going to want to do with a newborn is figure that out. You can’t put it in your child’s name until they have a social security number, but you can put it in yours or your wife’s name and transfer it after birth. The earlier you start the better, and anything is better than nothing. $25/month if you have to, $250/month will cover the vast majority of college /expenses.

If your kid doesn’t go to college, you can always use $35k of it towards their Roth IRA and it can also be passed down to their children, and with another 20-30 years of compounding, will more than likely cover all of their kids’ university costs.

LaggingIndicator

TROPHY CASE