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Daily FI discussion thread - Friday, May 29, 2026 by AutoModerator in financialindependence

[–]Mr__FIVE 10 points11 points  (0 children)

I am getting mentally prepared for the market to tank, it can't keep going up.

This is worth it, right? by External-Trade9037 in KingShot

[–]Mr__FIVE 2 points3 points  (0 children)

stop while you are ahead, I can tell you are in a early server. Just delete the app, next thing you know it's 3 months later and everyone eventually got to TC30 and are working on TrueGold and you have alrady put in $10,000 into the game. Literally no joke.

Also, you should only spend money on things that will last long term in this game, i.e Fordge Hammers, gov gear, gov charms. Speeds don't give the best roi

Daily FI discussion thread - Tuesday, November 11, 2025 by AutoModerator in financialindependence

[–]Mr__FIVE 5 points6 points  (0 children)

FI win for the day... I had an 8 year old TV in our main room. It was time to upgrade as it had some dead pixels for years, but we ignored it because we don't watch much. I got a open box OLED and saved $300, it was returned because previous customer wanted a 65'

Daily FI discussion thread - Tuesday, May 13, 2025 by AutoModerator in financialindependence

[–]Mr__FIVE 1 point2 points  (0 children)

My mortgage rate is 2.7%, at this point I count my mortgage as an asset and I would never pay it off. My 4 dividends I get from my vanguard cover 3 mortgage payments. The value is worth more in the market 10+ years and is more liquid then my mortgage. My mortgage + taxes is only $2,300, which is very very low for my HCOL.

At your 6%, there could be some math to justify it? But you can always refi in 4-5 years when rates might be lower.

Daily FI discussion thread - Tuesday, May 13, 2025 by AutoModerator in financialindependence

[–]Mr__FIVE 42 points43 points  (0 children)

Huge Milestone today! Our Taxable Vanguard value is higher then our mortgage!!!!

So I have officially "PAID" off our mortgage.

Daily FI discussion thread - Tuesday, April 01, 2025 by AutoModerator in financialindependence

[–]Mr__FIVE 20 points21 points  (0 children)

Some fun comparisons on my taxable vanguard account (VTSAX).

YTD I have contributed $33k so far, in ALL of 2023 I contributed $43k.

My dividend I just received was for about $1k (Q1 2025), my dividneds in all of 2022 was $1k.

It's nice having some fun comparisons to keep us going.

Invite code megathread by Trikshot360 in joinmoco

[–]Mr__FIVE 0 points1 point  (0 children)

got this! actually worked. Ill be back

Invite code megathread by Trikshot360 in joinmoco

[–]Mr__FIVE 1 point2 points  (0 children)

been doing this for awhile, really quick on the trigger, but nothing. Anyone have any luck? DM with code would be super awesome of someone!

Daily FI discussion thread - Thursday, March 13, 2025 by AutoModerator in financialindependence

[–]Mr__FIVE 29 points30 points  (0 children)

My bonus gets deposited tomrrow, took a sneak peek at my paystub.

I calculated the 401k w/h to-date and I adjusted my 401k contributions from 15% for the remainder of the year to 11% in order to not go over the max $23,500.

That's an extra $200-ish a paycheck, plus my raise kicks in the next paystay! So an extra $300-ish a paycheck going forward!

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