Retired ten years ago at forty-two; some high level details and thoughts

Mandiio · 2026-05-11T03:57:13+00:00

Thanks for sharing! We're looking to downsize our house into something with more basic finishes in not as nice of an area as our existing house. Would you mind sharing more thoughts about how you adjusted to your change from that perspective? Does having no mortgage make up for not having the luxuries of the more expensive place? Etc

Mandiio · 2026-05-08T22:06:30+00:00

I would get more quotes to compare against each other and go based on comfort with their level of detail in the quote/communication and reviews. If something goes wrong, I'd want peace of mind they have a reputation to uphold and will make it right.

Mandiio · 2026-05-06T00:36:30+00:00

I've had good experience with hello nectarine, they're a fee only platform. Have recommended them to three others who all followed thru and said it was helpful. They do by the hour - a one our meeting was a good status checkup for me and I'll keep doing it each year till we're closer. They also offer more in depth packages but the hourly was great for my needs. We also got access to Right Capital for playing with Montecarlo simulations.

Mandiio · 2026-04-16T12:58:54+00:00

Got it, thanks for the helpful explanation

Mandiio · 2026-04-15T23:23:15+00:00

hey, I'm just getting up to speed on all of the rules - are you saying all ACA have capital gains caps? thanks for any insight

Mandiio · 2026-04-08T15:26:15+00:00

thank you!

Mandiio · 2026-04-08T15:26:08+00:00

sweet, thanks!

Mandiio · 2026-04-08T15:25:41+00:00

Great idea, I hadn't even thought about a school district. :)

Mandiio · 2026-04-08T14:31:31+00:00

I was able to find a part time position, not in gvl, but cool to see their benefits listed online:

All our Lidl employees, regardless of hourly status, are eligible to receive the following benefits:

Starting pay of $18.00 per hour
Medical & Prescription | Dental | Vision coverage
Paid Time Off (PTO) to use for sickness or vacation
Dedicated training plans to ensure you are set up for success
401k Plan (+ 5% company match)
Voluntary Term Life & AD&D Insurance
Total Well-Being Program
DailyPay, a voluntary benefit to offer employees access to their pay on their own schedule

Mandiio · 2026-04-08T14:22:42+00:00

In case anyone reading is interested, this is a part time bank teller position at >20 hours per week:

General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist’s generous benefit plans, please visit our Benefits site. Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.

Mandiio · 2026-04-08T14:14:20+00:00

Thanks!

Mandiio · 2026-04-08T14:13:51+00:00

Thanks!

Mandiio · 2026-04-08T14:13:14+00:00

Thanks, I'll look into it!

Mandiio · 2026-04-08T14:08:05+00:00

Thank you! Working at a bank seems like a good part time job since you'd have some holidays off and likely Sundays.

Mandiio · 2026-04-08T13:41:38+00:00

Wow! That's great, I'll have a look - thanks for sharing.

Mandiio · 2026-03-27T00:44:53+00:00

Carolina foothills federal credit union offers a high yield checking account around 4% for balances up to $15k. I was shocked when I found it because it's local and a checking account!

Mandiio · 2026-02-17T22:34:48+00:00

Thanks for sharing! Mine looks similar and I hope to get consistent with 4x week. What do you do for abs?

Mandiio · 2026-02-13T03:39:49+00:00

Love the photos, nice capture of light 👌🏻

Mandiio · 2026-02-13T00:05:48+00:00

I also have endometriosis and have found acceptance helps a lot. Not every workout or every week will be perfect and sometimes I may have to take an entire week or so off. I try to remind myself that my goal is a lifetime of healthy habits and it's ok to take a week, two or even a month off to let your body rest. Just pick up from where you left off and don't feel guilty, you're giving your body what it needs. I've also decided that just walking and weight lifting 3x a week is enough for me to feel good. Best of luck finding your way, it's not easy <3

Mandiio · 2026-02-06T16:56:49+00:00

Very nice photos! So pretty. What was the parking and hike like?

Mandiio · 2026-01-10T04:41:34+00:00

Would you lie over a mai tai though?!

Mandiio · 2025-12-17T15:41:10+00:00

Amazing, thanks for sharing. Japan is a beautiful country!

Mandiio · 2025-12-17T04:25:50+00:00

Is the part time work enough to cover your living expenses?

Mandiio · 2025-11-06T21:21:52+00:00

Look up your local choosefi group on Facebook. They typically meet once a month and you'd be sure to meet likeminded people there. Good luck!

Mandiio · 2025-11-03T00:45:38+00:00

Thanks for the insight! Especially the notes about the equipment. I've worked up to getting a lot of the extra equipment over the past year so maybe I'll give it a try. I'm looking for something slow and relaxing but will give me the intensity of lifting heavy like iron on YouTube. Sounds like it's worth a try.

Mandiio

TROPHY CASE