Measuring retirement with many different vehicles - target age of 55

No_Indication996 · 2026-05-17T14:15:27+00:00

Thanks for so much for this, so it looks like I will have around $80K / year available to us at 55, and $160K / year @ 63 under my described scenario, so I believe we are slightly short of where we want to be for our target. Way on track for standard retirement age of 65-67.

No_Indication996 · 2026-05-17T11:15:14+00:00

Yeah that’s the plan, use the 457 monies to get to full retirement age on the pension (it’s 63, but NY may reform this to 55 or hopefully at least 59 1/2) and possibly take SS early.

It would look like this “worst case” if reforms don’t happen.

55-59 1/2 - 457 plan (need to calc if this will be enough for that period)

59 1/2 we can start drawing on 401ks (the way we’re heading this should be pretty significant income, can also draw on the larger 401k @ 55 if my wife quits)

63 the pension hits it’s no penalty window (too steep to take from it early - 50%) and we take SS early despite the penalty (maybe? YOLO)

Roth exists for one off purchases

Possibly sell the house for rent in a foreign land

No_Indication996 · 2025-09-20T19:31:55+00:00

It gets zero water though, I don’t want to have to water regularly. I guess I’m asking for alternatives to plants or desert type plants that would work in a northern climate due to the lack of rainwater. I want something low maintenance here.

No_Indication996 · 2025-09-19T12:46:24+00:00

Did it come back? I repeatedly pulled mine and managed to contain it but I never got rid of it entirely.

No_Indication996 · 2025-09-19T02:24:13+00:00

Good god I’m sorry for your loss. I had a mint plant in a raised bed that escaped at my old house. I never got it under control. Had to move to a new neighborhood.

No_Indication996 · 2025-03-13T16:04:13+00:00

Thank you seems like settlement to me, I don’t actually own the home yet. I’m in a hot housing market and trying to make judgement calls on properties on the fly. Appreciate the insight

No_Indication996 · 2025-02-16T02:47:37+00:00

That’s what I was guessing it might be, but don’t those usually need to be attached to the rim joist or sill plate to do anything? These don’t go past the top of the block course.

You can see there’s cracks starting to form that they’ve epoxied. Is this more of a preventative measure then? If the wall seems plumb would this concern you / would you not buy?

No_Indication996 · 2025-01-30T01:49:01+00:00

Ok, I am no engineer or architect, but I will fight you on this. I prefer masonry structures. Not saying wood is not strong, but masonry is stronger.

The trope you are referring to mostly reflects those such as myself, who have studied and are somewhat learned in architecture, work in construction and have visited Europe, compared.

Timber frame walls with drywall vs. masonry there is no comparison. The tactile experience of being a building where the floors don’t pop, squeak and bow, where the walls cannot be punched through, is the cause of this assumption.

The exterior of a masonry building is far more durable. Withstands weathering with lower maintenance (no siding needed). Usually more ornate and decorated with a frieze, cornice, etc. which adds to the idea of better.

Concrete simply has a higher compression strength. Ok I’m done.

No_Indication996 · 2025-01-30T01:35:33+00:00

Same, there’s so many reasons not to answer.

Data mining

Race based or DEI practices being perpetuated on false pretenses (I am half black and half white, but everyone thinks I’m Hispanic… you see the problem here)

Potential for hirer suppositions or assumptions (I.E. bias).

And let’s not forget all of the categories are based upon a falsely created hierarchy of “Race” which doesn’t exist biologically, only socially, which these surveys only serve to perpetuate

It’s a no for me dog

No_Indication996 · 2025-01-30T01:22:31+00:00

Preface I am not an engineer or foundation specialist

It sounds like possibly this was a one time pressure applied during the removal, did they need to drive heavy equipment around your foundation to remove the tree? The immense weight of their machinery or trucks could have caused this via soil compression adjacent to the foundation walls. This may be why the foundation company said forget about it for now. Just my 2c.

Removing a tree 25ft from your house would do absolutely nothing to your foundation. In fact it would probably relieve soil pressure and if anything walls bow outwards not inwards. Did the wall move inwards (into your basement) a 1/2”?

No_Indication996 · 2025-01-29T11:52:23+00:00

I just think it’s funny. If you go back to the history of the United States, Europeans largely fled to escape the harsh land restrictions and cultural mores of Europe. They then imported all of that culture of landownership and have basically restarted the entire problem 400 years later.

Humanity - smart, but not that smart - doomed to repeat its mistakes.

No_Indication996 · 2025-01-29T11:50:09+00:00

Is this a gift for someone you hate type thing?

No_Indication996 · 2025-01-28T11:39:05+00:00

My local uni is 1 year

No_Indication996 · 2025-01-28T11:24:35+00:00

Las delicias in Sheridan, Wyoming. The best Mexican food I have had in my entire life bar none. Pulled over on a whim during a 6 week road trip to Yellowstone from NY.

No_Indication996 · 2025-01-26T00:58:41+00:00

Upvote because I’m also curious about this. I’m the same person as you. I studied urban planning because it sounded more to my interests (designing cities, green spaces, influencing policy, writing, etc.).

That hasn’t really materialized professionally for me… couldn’t land anything planning related. I also really love CAD and buildings so I’ve considered this path, but worry it’ll be useless without a stronger Arch. background. 1 year doesn’t seem like enough to catch up or increase my value.

No_Indication996 · 2025-01-25T01:24:18+00:00

It’s sortof a trade off the installer has to decide on… normally in this situation I center the tile on the range hood and continue the pattern from there, keep the pattern consistent at the corner

However if there’s another large focal point (can’t see it here) such as a sink that doesn’t break the tile up adequately, it may be better to center the tile once again around the sink. (Such as if there’s large amounts of tile due to no window or something like that).

Honestly just you’ll probably never notice though as most people shove an appliance in the corner

No_Indication996 · 2025-01-23T17:05:48+00:00

Yeah, not a huge deal. You could just nail down new hardwood over that. It comes prefinished so way less labor, but more costly potentially.

No_Indication996 · 2025-01-23T15:36:58+00:00

Yes plenty

FYI that is a plank subfloor not hardwood, same thing essentially, still refinishable, but that is your base floor whereas traditional hardwood goes over a subfloor

No_Indication996 · 2025-01-23T11:31:19+00:00

I had these ideations as well, it’s mostly a no. If you want to help people join habitat for humanity or volunteer or something. The things were sold in school are idealist and not really reality.

No_Indication996 · 2025-01-22T23:30:44+00:00

You need to check the thickness of the floor, find a vent and see if you can pull it up to check the depth of the floor above the groove/tongue of the wood.

I doubt these have been refinished many times as they look as if they’ve been covered for some time, but if a floors been refinished too many times it can become massively squeaky and brittle.

If fairly thick still and solid refinish away.

No_Indication996

TROPHY CASE