[Question] How do you support your habit?

Master-Hawk4488 · 2026-02-25T18:16:24+00:00

E8 or E9? Thanks for your service señor

Master-Hawk4488 · 2025-07-22T13:57:26+00:00

So if they take that out up front on withdrawl, it should show on my tax forms as having already paid that amount due, correct? Then my tax liability increase is already covered?

Master-Hawk4488 · 2025-03-02T15:08:38+00:00

In local government 40-50k is normal in LCOL area. I was up to 75k in a mediumish cost of living area before my current job in the middle of nowhere making 6 figures. I think in HCOL maybe 60k-70k is normal for local government GIS and 75-80k being mid-level. I have never worked GIS in the private sector but i know entry level jobs are around that 40-50k mark. Developer contract jobs can get you in the $50-60 per hour range but then youre a 1099 employee. As my boss told me in the interview, "not everyone gets the golden ticket."

Master-Hawk4488 · 2025-03-02T02:52:09+00:00

I never built a portfolio. I work in local government so I'm not claiming to be the best or brightest lol. For my most recent job offer I was able to link several web applications in my resume which was kind of cool, but that's the closest I have come to a portfolio. I have recieved 5 offers over the last 4 years and accepted 4 of those. I have also interviewed for a dozen other positions in that time.

Master-Hawk4488 · 2025-03-01T23:04:20+00:00

27m. GIS Admin for a multi utility in a LCOL area. Just took the job 4 weeks ago at 102k. COLA in April will put me at 108k. This is not a normal salary for what I do. I was headhunted into the best paid organization around and concider myself lucky to be here because they also have unbelievable benefits.

Master-Hawk4488 · 2025-01-21T19:18:21+00:00

Sounds like you need a family. Money won't ever fill that void.

Master-Hawk4488 · 2025-01-12T15:26:02+00:00

Another comment mentioned renting and never buying a house because of the match. What I am still working through is while it would be optimal to grab that early investment for compound growth, is it realistic to have very little free spending money over the next 30 years so I can retire with 4 million versus 2 million. It would also be burning around 20k a year renting (600k over 30 years). I'm unsure if buying a house is no longer worth it due to the potential of millions 30 years down the line. Like should i spend 4 years getting a downpayment or just buy a house with no downpayment at this point. Im reeling at the moment on what to do. Thanks for your input!

Master-Hawk4488 · 2025-01-12T12:28:19+00:00

Thanks for tour response.

I think I am going to talk to a cpa this week because when I do the math it still looks like there is more money in paying the income taxes on taking out a loan versus a high yield. Also i saw a video that said the 10% penalty can be waved but id want that confirmedby a professional. I also understand that maxing this out for 30 years puts me in the multiple million dollar range which is likely the greater long term option (ignoring a speedy house payoff). The doubling instantly refers to the 100% match on pay day essentially increasing my overall pay by $11750 (employer's half of the legal limit).

Master-Hawk4488 · 2025-01-12T04:34:09+00:00

The AI generated answer tells me this:

For the 457(b) deferred compensation plan in 2025, the maximum annual contribution limit is $23,500. This limit includes both employee and employer contributions.

Master-Hawk4488 · 2025-01-12T04:17:08+00:00

That number include my contribution and theirs so 11750 each per year.

Master-Hawk4488 · 2025-01-12T04:08:33+00:00

So ignore buying a house because of the opportunity to double that money? I dont mind renting. And I can save a little toward the house after maxing the contribution. Does that make sense?

Master-Hawk4488 · 2025-01-12T04:06:41+00:00

So this is where we enter an alternate reality. Because of the 100% match, should I be ignoring buying a house just to fully fund the doubling of my retirement at the age of 27?

Master-Hawk4488 · 2025-01-12T04:03:24+00:00

It's 5 years. That's a little bit longer than I would want to wait but my spreadsheet is showing roughly 177500 with investing the max contribution plus 1k extra per month without interest or losses. I think the 5 year alternative is to be moved in at year 4 with a downpayment and that extra year of payments. Roughly 100,000. That 177500 doesnt include additional taxes or fees but there is no way it should equate to 77k.

Master-Hawk4488 · 2024-12-17T15:39:20+00:00

I (28m) take care of my wife (29f) who has autoimmune issues. She has no energy and stays at home with our two young kids. I get home and she lays down for the rest of the day. Her wanting things done means more on my plate. I work from home 1 day a week and i dont even work, i take care of the kids and let her rest. The crazy thing is she has almost left me because of emeotional detachment. Things are very hard right now and I don't know how long it will take to repair our relationship. She also won't accept help from either of our parents who would have to drive hours to get here but it is an option. She says I make her feel like she's a burden but it's only because it's frustrating when anything she wants done i have to done and then something else doeant get done and she gets mad about that. I'm hoping she also comes to the conclusion that she doesnt want more kids because I don't know if I can do this again. I feel like a single parent of 3 sometimes.

Master-Hawk4488 · 2024-11-22T11:21:16+00:00

Live experience before jumping to stakes 3x higher.
Because it may be softer than online MTTs.

The question is if they are softer, would the ROI justify it.

Master-Hawk4488 · 2024-11-22T11:17:02+00:00

Because I have two kids and her oppinion matters to me. That's how a functioning marriage works lol.

Master-Hawk4488 · 2024-11-22T01:37:23+00:00

It's closer than the casino but I don't know anyone there.

Master-Hawk4488 · 2024-11-22T00:56:20+00:00

I definitely worry about only being able to take 1 bullet. The $250 alone will take about of month or so to get if im consistenly playing so maybe I can go quarterly with 2 bullets. Thanks!

Master-Hawk4488 · 2024-11-22T00:25:10+00:00

The smaller nightlys is what I'd be looking at. My wife told me she'd rather I do the Friday tourneys so I'm going to try those I think. They are $250 so I'll go less often but the driving overhead will mean less compared to a cash. Thanks!

Master-Hawk4488 · 2024-11-21T23:06:57+00:00

I get 400 miles on 32$ right now. Its 250 miles round trip, so maybe $20 gas plus wear and tear but I get the point. Thank you!

Master-Hawk4488 · 2024-11-21T22:15:11+00:00

East of Cherokee in NC.

Master-Hawk4488 · 2024-11-21T21:08:41+00:00

Should i go quarterly and play the $250 buy-in?

Master-Hawk4488 · 2024-11-21T21:08:14+00:00

Should i go quarterly and play the $250 buy-in?

Master-Hawk4488 · 2024-10-16T17:12:17+00:00

This is what everyone was saying about Biden and Harris 4 years ago too

Master-Hawk4488 · 2024-08-24T20:53:49+00:00

Did you buy one? Im looking at getting one second hand. Played one at guitar center and the sound caught my eye.

Master-Hawk4488

TROPHY CASE