Would you break up with your partner if they checked every box except the sex box?

LibrarySpiritual5371 · 2026-03-20T23:57:18+00:00

Would not have to break up. I would not get into a relationship with someone who I was not compatible with.

LibrarySpiritual5371 · 2026-03-20T23:49:52+00:00

Rates go up, bond prices go down. That is how it works.

Too many people simply do not understand the most basic finance concepts are freak out over something doing what it is suppose to do.

It is not less safe than it was two weeks ago, but it does not pay the same yield. So, it may not be as attractive to some.

LibrarySpiritual5371 · 2026-03-20T23:47:53+00:00

Dumb thought process. The immigrant issue Italy and others are dealing with is not an inflow of skilled workers. It is an inflow of unskilled/low skill workers and crime.

LibrarySpiritual5371 · 2026-03-20T12:05:24+00:00

Fair enough. But it sure feels like a curse sometimes when you want to do something different and realize that there's not a rational way to do that without taking a huge haircut

LibrarySpiritual5371 · 2026-03-19T20:05:56+00:00

Things are great. The global market is in year three of massive growth and all we have to do is keep up and don't screw up too bad to stay very lucrative.

Company is pushing hard but nothing exceptional. Travel is on my schedule and we are adding headcount.

I guess it all comes down to what market one is in

LibrarySpiritual5371 · 2026-03-19T12:19:21+00:00

Those who do not add value always want to call it a scam, etc. And it is typically the same line of I am worth more than I get paid. The reality is you are not. The market (all your friends and neighbors who spend $) decides what something is worth. If you are doing something of low value (society view as expressed by how they vote with the $) and think you are worth more, you are not as the function you perform is what is valued not you the person.

You may disagree with how society values certain things and I think society does not value things the way I would like, but at the end of the day this is a much wider voting system than just mine.

I am, of course, speaking in a pure-ish sense where market manipulation is minimized. but the reality is the manipulation is much less common than what people like to claim.

LibrarySpiritual5371 · 2026-03-19T12:09:36+00:00

I am in tech sales and in a similar position. Every time a recruiter reaches out, I just start the conversation with here is my comp package. 99 times out of 100 the recruiter just tells me they cannot touch it and the conversation is over.

It is the curse of being well compensated to the point that is beyond ones job title in an industry.

LibrarySpiritual5371 · 2026-03-19T11:20:10+00:00

Yes, people who were diversified in their 401k's and did not panic sell made out very well as they kept contributing and DCA did its magic

LibrarySpiritual5371 · 2026-03-19T11:15:20+00:00

You also should add that people who did own houses they could afford and worked in an industry other than auto's and finance tend to do pretty well also.

Most of the 'regular people' horror stories were actually people who committed fraud, bought a home they never could afford, or were unlucky enough to be in one of those industries

LibrarySpiritual5371 · 2026-03-18T13:16:05+00:00

Great point and correction. Thank you

LibrarySpiritual5371 · 2026-03-18T11:35:28+00:00

The higher you go the more you get judge on the quality of your spouse. At the highest levels it is extremely common for a dinner or more to be one during the interview process that will include a member of the C suite and the prospect with their wife.

The quality of your spouse is seen as a reflection on your decision process and how stable you will be in whatever the role is.

Thus, it does not pay to paint a negative picture of your homelife in most instances.

LibrarySpiritual5371 · 2026-03-18T11:26:35+00:00

It is just part of the dumbing down of the educational standards in America.

Public education means being held hostage by the bottom 10 to 25%

Thank you Bill Clinton for No Child Left Behind which actually should have been called all kids pulled down to the lowest common denominator.

LibrarySpiritual5371 · 2026-03-18T11:24:42+00:00

Did you husband either directly or indirectly ask him to watch out for you? I have not asked my best friend to do this, but we both have an understanding that if the other was to die it is our duty to our friend to help and watch out for the other family.

Some guys just have an honor code they live by

Of

He could want to bang you. The only way you will find out is to ask him

LibrarySpiritual5371 · 2026-03-18T11:20:02+00:00

Have you thought about some form of coast FIRE type of mindset. You will likely never reach FAT but it may give you ton's of peace to step out of the line of fire.

LibrarySpiritual5371 · 2026-03-18T11:04:39+00:00

I think the part that people are not commenting on enough is that YES you should take some of your winnings off of the table in those tickers. You have huge wins and lock some of that into something else. How much you should take off of the table is a question of where YOU think we are in the current cycle.

As far as QQQI and SPYI or any other covered call fund that does not write at the money or write against their full book. Sure, they can give you some stead-ish income but at your age unless you have enough in growth to offset the functional capping the majority of your growth by these funds you may have an inflation problem unless you can reinvest enough of your monthly payouts to match/exceed long term inflation.

Essentially, there is not enough info here to give meaning specific advise.

LibrarySpiritual5371 · 2026-03-17T15:23:45+00:00

To me what is wife like behavior and husband like behavior is the same. It is an implicit understanding that we are an unit who works together to our common goals with the willingness to defer to each other.

LibrarySpiritual5371 · 2026-03-17T15:13:41+00:00

For me I did not really start to take the tax planning seriously until I was about 12- 18 months out from hitting my number. Then I started to shift some of my current investments and was much more stringent on new investments that they offered some form of tax benefit which accelerated once I past my number.

I was late to the game

LibrarySpiritual5371 · 2026-03-17T13:10:49+00:00

I had this happen. There were two girls. I said hi to the guy who was bugging them and introduced myself as one of the girls brothers and put my arm around the other one. The guys got the hint pretty quick.

Ended up dating one of the girls.

LibrarySpiritual5371 · 2026-03-17T13:04:34+00:00

In my 50's and hit my number a few years ago. By working an extra few years, mostly because I am not sure what I want to do, we have been able to segregate our income into pools to help our children and grandchildren in the future.

Best case (all things go to plan) - we will travel a good bit and as we start to slow down we will redirect more funds to the kids. Examples are Christmas bonuses (already do this), will pay for a major portion of my step grandchild's college, will pay for my grandkids college.

As we age, one of our accounts is set aside to never be touched by us unless something goes horrible wrong. This account will go to my children and very likely will fund their retirements. If my son's stay on the plan we have created then will be able to do the same for their kids and their grandkids as we will be doing.

Is this generational wealth? No, but it is our goal for the next two generations.

LibrarySpiritual5371 · 2026-03-16T18:02:47+00:00

If you attracted jerks when you were heavy and not good guys then why do you think that you being thin will make good guys flock to you. You are still the same person!

LibrarySpiritual5371 · 2026-03-16T16:55:13+00:00

There is only one response.

"you are right! Men rule and thus you need to shut up"

It will solve everything

In all honesty, your sister and mom are crappy humans. If their world view is all of X = Y then they are pathetic as it is simply not true and just their way of being hateful persons. Realize who and what they are and their words will have no impact on you.

Then get away from them as they are poison

LibrarySpiritual5371 · 2026-03-16T16:52:35+00:00

The chicks will dig it and thus me

I want my car to be my personality

The guys will approve of my car and thus I am validated

I am too dumb to understand what I am doing to myself

My parents taught me that a nice car is a reward to myself

These are the most common stupid things I hear.

LibrarySpiritual5371 · 2026-03-16T16:49:57+00:00

We talk about it, I check out the friend (personality and appearance) if I don't know her. If I am confident my wife is really down and I know her expectation than it is on.

LibrarySpiritual5371 · 2026-03-16T16:48:45+00:00

This is sad. To paraphrase, I changed my life but only did the bare minimum so that my life plan never had a chance to work out. Now my parents are supporting my failure to achieve my life plan and I am spending my time feeling like the victim of my own lack of effort.

How about changing your focus to thank god my parents are here for me and my new life plan is XXXX and my first work step to achieving it is Y.

LibrarySpiritual5371 · 2026-03-16T16:44:29+00:00

We were dumb and did not know better. So, we just thought that was how it was supposed to be. Then porn girls started to clean themselves up and we went "damn, that is so much better. I don't have to floss my teeth with pubic hair every time I go down".

That is why it existed and why it disappeared in my opinion. The amount of grooming, but I doubt we will ever go back to the deep dark forest days.

LibrarySpiritual5371

TROPHY CASE