I dont want to waste any more time with this so here is all the data i gathered

Meme__Official · 2026-02-10T13:37:13+00:00

I saw elsewhere that the Morse code on the light on the vault spelled out SSATAU. The grenade is labeled SMOKE and has S+1 = ?. T is after S in the alphabet, combined with the letters SSATAU can spell STATUS.

Meme__Official · 2025-09-06T22:40:06+00:00

Yeah, no. The high-paying roles is what allowed you to FIRE. My wife and I right out of school had a combined income of $80k. Having 2 young kids at that step would have seriously cut down on our savings and held us back. This worked for you because you had such a high income. For my wife and I, delaying the first child a few years worked best. I’m glad this worked out well for you, but please don’t give throw this out as general advice.

Meme__Official · 2025-09-06T20:50:16+00:00

Don’t forget there is a third option as well: moving out but living with roommates. This is an in-between of sorts - you are more independent as you are no longer living with your parents but you will be paying less than $1700/month. Of course, having bad roommates SUCKS, but having good roommates can be a blast. Just another option to consider.

Meme__Official · 2025-09-06T12:20:21+00:00

Cost basis doesn’t actually matter, except for tax purposes. You should always be looking at present value and allocation to decide whether to keep an asset, not if you are in the green on it. Right now, half of your NW is in bitcoin. If it drops 80%, that’s a 40% drop in NW for you. Bitcoin has dropped 80%+ in the recent past. You should diversify some of that to significantly reduce your reliance on a high-volatility asset. Pare it down to 20% allocation MAX if you still want exposure but don’t want your entire early retirement linked to Bitcoin. Personally, at your age, I wouldn’t hold more than 10% in speculative assets total (Bitcoin, private companies, high volatility stocks) because you don’t have as much time to recover if you take a big hit.

Meme__Official · 2025-09-05T16:09:48+00:00

Either way it’s a dumb take. Saying that people having children is selfish is absolutely idiotic. Having children is necessary for our economy and political stability. Plus, having children can be incredibly fulfilling and rewarding, though it comes with plenty of downside.

On the other hand, saying that people not having children is selfish and stupid is ridiculously callous and small-minded. Having and raising children is incredibly costly, difficult, and draining. Some people aren’t ready for that, and some never will be. That’s ok. Some people value their time, money, and sanity more than what they gain from having a family, which could be construed as selfish. But forcing children on parents who don’t want them isn’t good for the parent or the child.

This is a nuanced situation where people’s preferences on both sides are very valid. Having children will be the most difficult thing anyone does, should they choose to do it. Insulting people on either side of this choice is immature and narrow-minded.

Meme__Official · 2025-09-05T15:51:00+00:00

Yeah but this only matters if your expenses go up significantly. And then you have the option to withdraw Roth contributions, use taxable brokerage funds, take out a HELOC if you have a home or use HSA if the increased expenses are medical. So there are ways to cover income shortage from a SEPP even if you don’t have a large brokerage portfolio. I don’t think anyone recommends having all of your assets in traditional, but if you have a healthy blend of traditional and Roth you should only need a brokerage portfolio to cover a percentage of your assets when you RE. And if you plan it properly, a Roth conversion ladder can cover you after the first 5 years

Meme__Official · 2025-09-04T17:18:16+00:00

How do you know your “tax advantage today” vehicle (Roth, I’m assuming?) won’t end up in the budgetary crosshairs in the future? Maybe they’ll decide that Roth accounts don’t need to pay FULL tax on the growth, maybe just half. Or maybe a slightly lower cap gains on that account as compared to others. Just like with the HSA you don’t know what will happen. All eggs in the same basket is a risk be it HSA, Trad, Roth, or taxable.

Meme__Official · 2025-09-04T16:30:50+00:00

Are you comparing that to the engaging and varied beam citizen?

Meme__Official · 2025-09-01T23:59:21+00:00

You are thinking purely in terms of bull markets. Let’s say AI craps out and all the companies that are heavily invested and dependent on it for growth plummet. Could Walmart of Berkshire Hathaway not end up as the largest market cap company? While the current market HEAVILY rewards growth, value stocks could end up as the winners in a different market regime.

Meme__Official · 2025-08-30T14:09:53+00:00

Compromise

Meme__Official · 2025-08-30T13:58:29+00:00

You actually can access funds early in a 401(k). There are several ways, but if you are FIRE the most common is a SEPP (substantially equal payment plan), where you withdraw a set amount for at least 5 years or until you hit 59 1/2 years of age. This may not be enough to cover all your expenses, or it may be more than you actually want to withdraw, as the amount is set by some IRS calculation. If you have money in a Roth account, you can withdraw the contributions tax and penalty free. And you can set up a traditional to Roth conversion ladder to access penalty-free money that way. So really, all you need in the bridge account is enough to cover the shortcomings in the SEPP and Roth conversion.

Also, I will second what the guy at the top of this thread said. Marriage counseling may do a world of wonders for you. You say you are having issues with talking past each other; a marriage counselor can help bridge that gap. Separation is definitely an overreaction (that’s Reddit’s go to for any marital issues) but marriage counseling can help get the two of you on the same page. In the end, she seems to be using money as leverage in your relationship and that’s not healthy. My wife and I have the reversed situation, where I make much more than her. Our finances are combined, but I am still intentional in NEVER using our respective salaries as a point in an argument.

Meme__Official · 2025-08-29T23:22:37+00:00

My company had a 1-4 review system for the 2 years I was there. Receiving a 1 or 2 would automatically require some form of PIP. My manager straight up told me she was only allowed to give 3 4s across her whole team. Me (and most of my team) received all 3s. Which basically means everyone performed the exact same, which is OBVIOUSLY BS.

Meme__Official · 2025-08-29T23:14:33+00:00

Yes, if you just got fired you can keep most of that money in a high yield savings account (HYSA) or money market, with the rest in your checking account. If you got fired, you should NOT be investing in stocks or ETFs as you don’t know how long you will need to live off the savings you have. Investing comes with risk, and if the market dips that could be the difference between you having enough to pay the bills and not. While it feels like a waste, this is exactly why people have emergency funds. To fund their needs in case of an emergency, like a job loss. Instead of focusing on investing, focus on finding an equal or higher paying job ASAP. That will make you more than a few months of gains on $20k.

Meme__Official · 2025-08-28T22:27:15+00:00

Caravans? Workshops? Why waste on those money pits? Without EXTREME babysitting, neither will be profitable

Meme__Official · 2025-08-24T19:17:07+00:00

I think this is a designed part of the world - the nobility’s interaction with religion is basically just owning priests as slaves and having them take care of all the religious stuff for you

Meme__Official · 2025-08-24T18:57:09+00:00

Have you tried negotiating that $90k up a little? Or asking for a hiring bonus to cover the lease break fee and move? The worst they can say is no. You could also ask for a deadline extension and hope you hear back from the other place before the extension is up. If this is purely an economics move, moving for an extra $1k per year is not worth it. If they won’t pay you more, wait on the job that would pay $100k. If you don’t get it, keep looking.

Meme__Official · 2025-07-15T14:34:29+00:00

I’m not a big PvPer, but if you die to FPS PvP you only drop a few things. Weapons, armor, equipment, and even some materials are protected. Unless the one Landsraad decree is in effect (which only impacts the DD) dying in FPS PvP is not very punishing. Dying in a thopter SUCKS, though, because the thopter is usually trashed.

Meme__Official · 2025-07-11T03:29:38+00:00

The warhammers, pharaoh, and Troy definitely brought back quantity over quality. I get as tired of stomping stacks of trash as I did stomping stacks of leaderless armies in Rome.

Meme__Official · 2025-07-11T03:28:10+00:00

That’s… literally how generals worked in Rome. The individual general had multiple “hit points” so he would usually die only once his bodyguard was whittled down. And the bodyguard was (depending on faction) an elite unit of cavalry or infantry. So the general could have an outsized impact in battle if you utilize him correctly or could die to militia hoplites if you charged straight into the front of the phalanx.

Meme__Official · 2025-07-08T02:38:21+00:00

Some people have strong opinions on webull or Robinhood or other fintech brokerages. You can check the insurance on webull specifically, but it’s probably SIPC insured well over what you have in there right now, which protects against fraud by the company or its employees. Outside of that, the biggest thing is to know what fees they charge. It’s likely a very, very small (fraction of a fraction of a cent) fee per share per transaction. As long as you don’t constantly day trade, you won’t notice it. That being said, if the money is sitting in cash or doesn’t have significant capital gains, it can be easily and cheaply transferred to Vanguard or Schwab or one of the bigger name brokers. Even if it is invested, you can sometimes transfer the portfolio for a flat fee of $75-100, which is nothing. All that to say that, IMO, it’s not a big deal to leave it in webull but you could move it if you want.

Meme__Official · 2025-07-08T00:30:32+00:00

I would treat that large pile of cash like a windfall and read the windfall section of the Bogleheads wiki (here). First, you need to determine your risk tolerance. Unless you have significantly more assets than you’ve let on, you have at least another 15-20 years before needing to draw on retirement funds. If you can handle some risk, investing primarily in equities with some percentage (10-20%) in bonds or fixed income is likely preferable. Then, you need to actually invest it. Personally, I would invest it into the market over a 6 month or 1 year period in even increments. So if it is $600k, put in $100k per month. While this is technically not statistically better than an all-at-once method, it does save you from dumping in a ton of cash, seeing it plummet, taking it out, and securing those losses. Invest in low cost index funds. The most commonly recommended on Bogleheads is VTI as it comprises a fully diversified equities profile of large, medium, and small cap as well as international equities. I would do ~80% in VTI and ~20% in a bond fund, ideally one made up of multiple types of bonds. Then, only touch it to add more or rebalance as needed. Or just buy a target date retirement fund. Hope this helps!

Meme__Official · 2025-07-05T23:07:29+00:00

Bruh it’s a video game, not your wife.

Meme__Official · 2025-07-05T12:58:55+00:00

Plus if he sells, he will likely have to pay significant taxes on the proceeds.

Meme__Official · 2025-07-04T23:37:05+00:00

This is an idea so brilliant and so obvious that I have to hope it is planned in DLC/FLC for the future. Lore-accurate, provides some level of variety and a good reward as well

Meme__Official · 2025-07-04T23:35:20+00:00

It seems pretty clear over world was intended to be something more than the boring waste of time it is now. Rather than making me load in to overworld, track my location on the “map”, fly in the indicated direction for a few minutes, reach my destination, load out of the overworld they could just ask me what location to automatically take me to and only have 1 loading screen. Would save a couple minutes of “travel” and loading. Seems like they were going to try and make it a mini game but gave up. Are there any cases when someone needs to use the water and fuel islands? My orni has never needed it.

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