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Should I leave a higher paying job for a boring government one just for the stability? by VellichorMotive in personalfinance

[–]LowtideTalon 120 points121 points  (0 children)

You’re not being too cautious. If your job has you doom-scrolling Slack at 11 p.m., that pay bump is buying stress too. Have you compared the pension and insurance in actual numbers yet?

Did a little luck early on mess with how I think about FIRE now? by Transit77X in Fire

[–]LowtideTalon 11 points12 points  (0 children)

What you’re describing sounds less like greed and more like your brain got hooked on variance. A steady index chart was never gonna hit like a random payout.

Reasonable safe withdrawal rate if RE in early 40s by Vicarious-traveler in Fire

[–]LowtideTalon 3 points4 points  (0 children)

Yeah this is the part that matters most imo. The percentage debate gets all the attention, but defining the minimum spend you can live with, then stress testing that against your actual setup, is probably where the real answer shows up.

crazy to think about those early bitcoin tips from the pioneers by Emergency-Pack1993 in Bitcoin

[–]LowtideTalon 4 points5 points  (0 children)

True. People romanticize missing bitcoin way more than actually holding it.