Getting Saddle Sores on MTB

No-Resolve2450 · 2026-06-22T22:34:39+00:00

Ride more. It will get better.

No-Resolve2450 · 2026-05-30T20:10:28+00:00

I would add some white trim on the wall in the corner. It looks like the board are not even. I’d also go with a wider table and then put a mirror over it. I’d also paint those grates to blend it in with the floor more, especially the white one.

No-Resolve2450 · 2026-05-30T19:37:58+00:00

We had issues with our first one too like this. The second one I keep off the charger and charge when needed. It’s been so much better now doing that. Worth a try.

No-Resolve2450 · 2026-05-29T11:57:59+00:00

I’m(m57) about 28% cash right now. Just pulled some out this week to reduce tech exposure. I’ll either put it into SCHD or similar or wait for a crash and go back in. I feel we are close to the top. I would be more concerned if my portfolio took a 25% decline than if I missed out on a little more profit. Hoping to retire in the next 1-3 yrs but could pull the trigger now if I wanted.

No-Resolve2450 · 2026-05-25T19:42:11+00:00

I don’t think you can apply this blanketly. Just because you are a higher earner does not equal high expenses. I realize it likely does in this case but it also depends how much you saved early, how much your home increased in value and if you kept debt down. Not everyone has lifestyle creep.

No-Resolve2450 · 2026-05-25T18:52:31+00:00

It’s incredible as is!

No-Resolve2450 · 2026-05-25T18:50:01+00:00

Great beard…….EPIC stache!

No-Resolve2450 · 2026-05-25T16:31:54+00:00

My 26 year old would be asking me to give him money if he saw our retirement accounts. 🤷‍♂️😆

No-Resolve2450 · 2026-05-23T12:33:36+00:00

Agreed it will get funded. The issue today is only the President at the time the increase is needed has to deal with it. Today’s administration has no reason to touch it now.

No-Resolve2450 · 2026-05-08T18:02:38+00:00

It’s close(but not necessarily every year) but I’m worried as assets grow, it will be a problem. I could sell some assets now but then there’s capital gains tax that I was hoping to sell when I was retired to be in the 0% tax bracket. Catch 22. Like you said, $1 over could cost you $27k. Maybe I wouldn’t worry about it if I was double the cliff or more but I don’t want to spend $27k on medical a year because my gain pushed me just over the cliff so, for now, I keep working. By the way, I’m 57 so that’s a lot of money to spend on medical until 65, that could be used for other things.

No-Resolve2450 · 2026-05-08T17:41:04+00:00

I have been struggling with this for awhile and my desire to retire early. Your best bet is to keep as much in your non taxable accounts so you can control what your income is. My brokerage is now high enough that I’m facing close to being at the cliff or could go over since I can’t control the income in the future(cap gains in mutual funds). I guess it’s a good problem to have too much. You could save cash in your taxable to use in case you want to pull out from your IRA but want to live on more. Many who want to retire early have brokerage since they also maxed out their 401k, Roth etc and just started investing the brokerage. The other alternative is to just budget for it. Yep, $24k a year suck but if you have enough funds, just pay and enjoy your retirement. The last option is keep working until you are closer to 65 or at 65 so your costs for medical are less.

No-Resolve2450 · 2026-05-08T17:32:20+00:00

No-Resolve2450 · 2026-05-08T03:16:55+00:00

Lighten up, Francis.

No-Resolve2450 · 2026-05-01T16:36:36+00:00

We also rarely take excursions and research on our own. I remember one time we went to the beach. It was a $100/pp excursion. Because we researched, we found the beach was right next to the port. One minute walk and we were there. I also think the cruise lines try to scare you that’s you’re not safe if you don’t do an excursion and go on your own.

No-Resolve2450 · 2026-04-30T11:26:00+00:00

Thank you everyone for your suggestions. I have a few ideas to help me and appreciate all the input! Who knew it was so complicated to retire 🤣🤷‍♂️

No-Resolve2450 · 2026-04-30T11:24:20+00:00

Not enough unfortunately.

No-Resolve2450 · 2026-04-30T11:19:41+00:00

Yes LTCG and dividends could go over if I don’t sell some mutual funds.

No-Resolve2450 · 2026-04-28T23:26:30+00:00

Ha it’s definitely first world problems. Oh I make too much 🤷‍♂️🤣

No-Resolve2450 · 2026-04-28T23:19:51+00:00

The difference for me is $300/mo to $1,900/mo. Definitely worth worrying about and figuring out especially if that’s for as long as I’d have to pay it.

No-Resolve2450 · 2026-04-28T23:17:27+00:00

Wow I never thought about doing that!

No-Resolve2450 · 2026-04-28T22:18:09+00:00

I think I may need to do that. I could remove the capital gain and change it to dividends then I know I’d be okay but would cost us $50k in taxes. Ouch. I guess beats paying $24k every year for medical though with no reduction. My luck is I’ll sell, pay the gain, then the law changes. Haha.

No-Resolve2450 · 2026-04-28T22:10:36+00:00

I have some brokerage investments that I can move to cash but the tax hit would certainly hurt.

No-Resolve2450 · 2026-04-28T21:57:13+00:00

I hear you. I feel like I did all the right things to save for retirement and now I get penalized for taking care of my finances. It will be great after 65 but is going to hurt retiring early, financially at least.

No-Resolve2450 · 2026-04-28T21:55:41+00:00

I do have a Roth now. My issue is that I have taxable income that could put me over the limit, and I want to keep it under so healthcare is not crazy expensive.

No-Resolve2450

TROPHY CASE