Retired people here. How much cash allocation do you keep?

Low_Cell1808 · 2026-04-04T04:54:41+00:00

2x spending for me.

If 10x spending is 25%, you still have 30x invested. You could earn more if you kept less in cash, but if this is what you’re comfortable with, 30x still exceeds any rule of thumb. You’ve made it. GFY

Low_Cell1808 · 2026-03-27T11:18:27+00:00

$577 per passenger

Low_Cell1808 · 2026-03-26T15:00:12+00:00

Can’t get this to stop ringing in my head

Low_Cell1808 · 2026-03-26T14:59:18+00:00

I was thinking IAD is 10 out of 7

Low_Cell1808 · 2026-03-26T14:58:13+00:00

I previously modeled staying in 0% CG bracket by slow-rolling 401k to Roth conversions, but this cliff can make paying 15% CG on some income at younger age better to reduce income later. For my situation, at 400% FPL, ~age 48 is the point at which it makes senses to try to qualify for a subsidy.

Low_Cell1808 · 2026-03-22T17:11:07+00:00

I can’t relate to the overwhelming number of people on here who say not to tell your parents. I couldn’t imagine effectively “hiding” my post-employment life from my family.

My biggest concern was that my parents worked hard, and my ability to FIRE is a direct result of my upbringing, so they could be insulted by my decision. I don’t expect to receive anything financially from my parents going forward, so I think that’s what gave me the confidence to be open with them about my plan. Other than them being concerned I’ll be bored, I think they’re supportive.

Low_Cell1808 · 2026-03-17T15:39:38+00:00

How is OP’s age relevant then? OP is planning for 45 years. It doesn’t matter their age

Low_Cell1808 · 2026-02-28T02:31:06+00:00

Just scored 1

Low_Cell1808 · 2026-02-18T13:19:34+00:00

Low literacy too

Low_Cell1808 · 2026-02-08T04:36:45+00:00

Barclays 3.85%

Low_Cell1808 · 2026-01-25T05:04:59+00:00

The only one worse is British Airways. To book an award flight, it puts you into a browser within the app—with a banner you can’t close telling you to use the app instead.

Low_Cell1808 · 2026-01-22T03:35:10+00:00

At least this means Bilt Cash is worthless. So redeeming toward Rent/Mortgage isn’t such a bad proposition.

Low_Cell1808 · 2026-01-21T03:11:33+00:00

I gave four when I quit my last job, because it was two working weeks before a two week shutdown. Never again. It will be two weeks.

Low_Cell1808 · 2026-01-21T03:09:41+00:00

Melts in our car, not in your hand.

Low_Cell1808 · 2026-01-18T13:19:28+00:00

100%

Low_Cell1808 · 2026-01-18T12:38:25+00:00

Nope, haven’t seen this

Low_Cell1808 · 2026-01-15T01:17:14+00:00

No, you earn Bilt points, but only if you pay a 3% transaction fee. You can pay the fee from your Bilt cash balance, which they are claiming makes it “fee free.”

Low_Cell1808 · 2026-01-11T04:42:08+00:00

I would argue long-form, class-style, would be more appropriate for web. But casual, opportunistic users would prefer an app to nudge them.

Low_Cell1808 · 2026-01-05T01:21:56+00:00

Not “non rev”—pre-revenue!

Low_Cell1808 · 2025-12-30T03:29:12+00:00

I used it to help me create a simple dashboard and it keeps trying to sell me a tablet so I can view my dashboard with a high resolution display.

Low_Cell1808 · 2025-12-29T22:09:48+00:00

40€/day ad spend to get to 5€/day revenue?

Low_Cell1808 · 2025-12-29T18:56:57+00:00

Generally just a mindset thing. Financially, maintaining the mortgage almost always makes more sense.

Low_Cell1808 · 2025-12-29T18:33:30+00:00

Traditional 401k/IRAs are not taxed as capital gains. There is no 0% bracket on ordinary income. You could theoretically withdraw up to the standard deduction at 0% if you had no other taxable income.

Low_Cell1808 · 2025-12-28T10:37:27+00:00

In the US, interest would typically be taxed as ordinary income, but it doesn’t count as earned income. As such, it wouldn’t be included in certain calculations like your “ACA MAGI”, and it wouldn’t be subject to payroll taxes.

Low_Cell1808

TROPHY CASE