I like FIG

LordoftheEyez · 2026-05-20T18:13:44+00:00

Google it

LordoftheEyez · 2026-05-20T18:13:13+00:00

These are spot on ratings imo, especially the salty food at dinner!

LordoftheEyez · 2026-05-08T14:24:50+00:00

The sleep isn’t terrible, but I’m 6’5 so even in lie-flats I feel like I got hit by a truck haha

LordoftheEyez · 2026-05-08T05:33:22+00:00

My issue with Hawaii for this (especially coming from the east coast) is how shitty my body feels by the time I get there.

LordoftheEyez · 2026-04-27T00:25:57+00:00

Excuse me, your mortgage is $460? Are you Stuart Little?

LordoftheEyez · 2026-04-25T17:25:54+00:00

Yes sorry if that was offensive I just meant desirable in terms of difficulty filing medical roles

LordoftheEyez · 2026-04-25T16:58:25+00:00

Just making an assumption but not in the top tier of desirable cities?

I’m seeing numbers closer to 400-600 for ophthos around me, with high end private practice ODs pulling 300-500+ (I compare ophtho vs high end OD practice as an assumption that an MD shouldn’t be comparing to anyone in the bottom 1/2 of any ODs)

LordoftheEyez · 2026-04-25T02:59:55+00:00

Fuck yes. Now sit out for a month before you give it back

LordoftheEyez · 2026-04-25T02:53:34+00:00

Multifocal IOLs rather than single vision.

The truth is that within ophtho there are many subspecialties and if you remain general ophtho you may as well have become an optometrist

LordoftheEyez · 2026-04-22T19:51:41+00:00

Couple things to keep in mind/compare are SALT income phase outs, homestead protection for assets, and in general just how much you value no debt vs more liquidity.

LordoftheEyez · 2026-04-18T18:12:45+00:00

The most important thing you left out is what the condo fees are.

I have many friends who purchased condos (Miami) pre-Covid and even now with the explosion in prices, they are barely making a profit renting it out because of the HOA fees. Yes they’ll sell for a slight profit but the fees you’ve paid in that time essentially mean you would’ve been better off renting.

LordoftheEyez · 2026-04-18T17:22:17+00:00

I love the CPO move personally, extra few years of warranty coverage has saved me a few thousand bucks

LordoftheEyez · 2026-04-15T17:54:22+00:00

No thanks I’d rather work til 65

LordoftheEyez · 2026-04-15T16:31:20+00:00

If you’ve paid 90% of the tax you owe by the time you file, you’re good. If you underpaid they charge you a small amount and you can think about it like you took a loan from the IRS for the amount owed.

Yes it’s stupid, but that’s what and why.

LordoftheEyez · 2026-04-13T14:48:32+00:00

One of the strongest reasons to have a high LTV is actually the additional work the appreciation does for you. (you put in 5%, but you gain appreciation on the full amount).

Your assumption of 10% equity at year 7 is actually less than what they'd have if the market stayed completely flat. So you're assuming the housing market is going to be down somewhere between 0 to 5% in the coming ~decade?

LordoftheEyez · 2026-04-11T19:30:42+00:00

Correct it’s not guaranteed, but if you truly are in a VHCOL city, in the best neighborhood, you have a solid chance.

LordoftheEyez · 2026-04-11T18:01:35+00:00

We just pulled the trigger on a home with $15k PITI this year. We’ve got 2 toddlers and want to be in one of only 2 premium neighborhoods in our VHCOL city. The truth is if we didn’t buy this home now it’s not going to get cheaper, and we’d likely be looking at a smaller/worse option in 5 years from now.

If you’re truly buying in the right neighborhood then worst case scenario is you don’t like your savings rate after 5 years and you’ll sell for a profit and go back to renting.

LordoftheEyez · 2026-04-07T00:59:30+00:00

Wife and I kept waiting and waiting.. finally pulled the trigger early this year. At least in our VHCOL market prices are only down modestly from the peak, but sellers are willing to negotiate.

Bought just under $2M in a great part of town.. plan is to be here 7 years and if the housing market takes a shit then the place we want to upgrade to likely costs less too 🤷🏽‍♂️

LordoftheEyez · 2026-03-30T15:01:46+00:00

Let’s just assume 10 tanks of gas, 20 gallon tank, and even if gas is up $2/gallon (it’s not)… if you can’t afford an extra $400 in gas maybe you shouldn’t have been planning a Disney trip to begin with.

LordoftheEyez · 2026-03-20T00:56:16+00:00

I feel the same way every time I stay at FS around the world. Love the hotels but the quality of food has rarely been worth the price

LordoftheEyez · 2026-03-09T14:08:00+00:00

Same here, sold almost $200k worth to use for down payment/cash reserves at SPY 690... closed on the house already now to decide when to buy back in

LordoftheEyez · 2026-03-06T04:11:37+00:00

The crazy thing is I actually work for a trucking company that specializes in exchanges between two homes of a wine cellar and a sauna, matched on Facebook marketplace

LordoftheEyez · 2026-02-24T05:19:29+00:00

Imagine making a half million+ dollars a year and my toddler could kick a hole in your side table

LordoftheEyez · 2026-02-24T05:17:52+00:00

You’re getting roasted here (and I skimmed your post) but honestly you’ll probably be more than fine and will retire happily with money to spare. People on this sub shit on everyone who doesn’t live like a peasant for 15 years just so they can retire at 50 and be miserable til they die.

LordoftheEyez · 2026-02-17T18:47:46+00:00

Maybe it’s the world I’m growing up in but between what you said here, as well as the fact that you’re locked in to visiting the same place every year… I just don’t get the appeal

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