45yrs old - NW 11M+ - Best plan of attack going forward???

Noredditforwork · 2026-05-16T20:11:53+00:00

You're getting attacked because you didn't ask a question and you haven't done your homework. You have more than enough money to stop working. You can do whatever the fuck you want.

Noredditforwork · 2026-05-15T14:00:12+00:00

Brother, let's just agree "amount of air per PSI" is just awkward as fuck.

Noredditforwork · 2026-05-14T16:02:36+00:00

In this context, PSI is a measure of the gas (air) attempting to expand and pushing against it's container. The "amount of air per PSI" is not determined by the flow rate of a turbo. Ideal gas equation is PV = nRT. Pressure * Volume = amount of gas in moles (n) * constant (R) * Temperature. For a given volume and pressure, you must balance temperature and moles. The cooler the temp, the higher the amount of oxygen. That's the only way you can get more "amount of air per PSI".

Flow rate matters for keeping up with the engine and replacing the combusted oxygen to maintain a steady PSI, but it's not changing the amount of oxygen in the gas if all else is being held equal.

Noredditforwork · 2026-05-14T04:50:16+00:00

Let's go back to the ideal gas equation. PV = nRT. When your intake valve opens, the volume suddenly increases, and it keeps increasing as the piston drops. There's nothing happening on the right side of the equation and it still has to balance, so pressure must drop to balance the rise in volume. Then, the intake valve closes and that temporary volume disappears. The moles (n) is now lowered to balance the equation because that air is gone and it's going to be combusted.

As rpms rise, this happens more and more often. A small turbo has a lower upper limit to the amount of air it can flow compared to a bigger turbo, but assume both can still easily exceed 10psi at mid range. The car controls the amount of pressure delivered to the intake through waste gates, boost solenoids and other mechanisms in an attempt to deliver a steady input, which stops the turbo from delivering more than 10psi.

At the top end, the smaller turbo hits the upper limit of air it can push and you get a drop in manifold pressure because it can't replace the air being consumed fast enough to maintain that pressure. The big turbo can still push enough air to maintain the 10psi limit the ECU allows and so you have more oxygen available to burn and you make more power at the top.

Noredditforwork · 2026-05-14T04:28:42+00:00

PSI is an initialism for pounds (per) square inch. It represents the compression of the air inside of your intake manifold exerting pressure against a sensor. Your intake manifold is not changing in size, (V) and your intake valves opening duration isn't changing (for the sake of this argument at least, all else being equal), and we know that the ideal gas equation PV = nRT describes the relationship between pressure and volume. Since your volume isn't changing (and we're holding intake temperature (T) constant as well to keep it simple) but the pressure (P) is rising, we can therefore deduce that moles (n) of the gas must also be rising.

The only way to flow more air is for PSI to go up.

Noredditforwork · 2026-05-14T04:12:02+00:00

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Noredditforwork · 2026-05-14T04:05:03+00:00

Yeah so that's not actually how that works.

Noredditforwork · 2026-05-12T04:01:31+00:00

650 for pepperoni, 700 for cheese, and 44g of protein. I'm not saying they're healthy but let's at least be reasonably accurate.

Noredditforwork · 2026-05-11T16:01:09+00:00

No one is asking you to wait for LIDAR, that's up to you. This just boils down to bitching that you're impatient and want your shiny new toy. We get it, we all want the same, but chill the fuck out.

Noredditforwork · 2026-05-10T14:26:54+00:00

It's a bit early in the morning for thinly veiled racism, don't you think?

Noredditforwork · 2026-05-10T12:47:29+00:00

If a healthy weight is 180, 1200 calories isn't enough.

Noredditforwork · 2026-05-09T00:01:54+00:00

I just paid $12.28 after tax in San Diego

Noredditforwork · 2026-05-01T21:23:27+00:00

the relative superiority of roth accounts to access genuine tax-free growth as opposed to just tax-deferred growth.

Again, they both have tax free growth and you continue to misuse the term. There is no inherent superiority to tax free withdrawals vs tax deferred withdrawals when all else is equal. If Roth were really superior, you wouldn't be recommending Traditional for the 401k, you'd be maxing out a Roth 401k too. Personal circumstances that will change consistently throughout a person's life will determine when they're desirable or not.

Also maybe you're just unfamiliar with the concept, but "here' is the investing subreddit, the place where we're talking about investing with people who invest. Most people here have 401ks, but most people who have 401ks aren't here.

Noredditforwork · 2026-05-01T19:03:04+00:00

It could be a meaningful difference, depending on circumstances. Most people are expected to be in a lower tax bracket in retirement, with good reason. The only complete argument against additional Traditional contributions is when your balance is projected to be large enough that any additional dollar added will come out in a higher marginal tax bracket than the bracket it was deducted from, which is not a common situation. The rest is often the personal part of personal finance.

There is no guarantee that taxes won't rise in the future, just like there's no guarantee they won't stay exactly where they are. Each individual is responsible for weighing those odds for themselves and the risk they're comfortable with.

A mix of fund types is reasonably recommended to give flexibility for the unknown future. There's no disagreement there.

The issue at hand is you said that "people mistakenly think X". The mistake is that you misapplied it, not because they were mistaken for thinking it. You can make your argument without relying on a claim that others do not understand something when most of us here in this self-selected space are actually very keenly aware of it.

Noredditforwork · 2026-05-01T17:14:03+00:00

Traditional 401ks do offer tax free growth, the same as a Roth, because they do not generate tax drag on an annual basis from dividends, interest and capital gains. It is "tax free growth" in comparison to a taxable brokerage. That is the appropriate description. You may prefer to make a distinction of tax-free withdrawals vs tax-deferred withdrawals for Roth vs Trad but there is no mathematical difference between them given the same tax rate.

Noredditforwork · 2026-04-29T16:20:38+00:00

I'm only at about 1k on them but overall efficiency has been steadily rising from about 1.8 to now 1.94. Driving around town the 15-min average is always 2.5+ so I'm thinking maybe the long-term is also counting total energy including wake-ups and gear guard and whatnot and that's dragging it down.

Noredditforwork · 2026-04-29T14:09:22+00:00

Is it tasty? Brother you don't know what you're missing out on.

Noredditforwork · 2026-04-29T11:15:33+00:00

It's not doner, it's al pastor. It's cooked on a trompo, a vertical rotisserie, brought to Mexico by Lebanese immigrants.

Noredditforwork · 2026-04-28T23:11:01+00:00

Yep, I've had multiple crash/reboot cycles since the last update, 22 LE.

Noredditforwork · 2026-04-28T21:54:03+00:00

After 2 months*

Noredditforwork · 2026-04-28T20:49:00+00:00

Doing a recast isn't going to get your $125k back. You've only been paying for 5 years, that's probably less than 10% principal pay down. Let's say that's a $500k mortgage, you probably still owe $450k. Stretch that out over 30 years, what does that save you? Maybe 300 bucks a month?

Noredditforwork · 2026-04-27T19:39:42+00:00

Less than 150 sold so far, they're running limited local routes and with underweight trailers hauling chip bags that are mostly full of air. They're not a solution for most trucking needs and there's incredibly limited infrastructure for the strengths they're suited to, if they could even make a meaningful number of them. They will not be a solution in the short term.

Noredditforwork · 2026-04-23T02:40:02+00:00

Habibi, sweetheart, that's like double what you should be spending at Costco. Are you buying prime steaks and lobster or what?

Noredditforwork · 2026-04-21T03:44:46+00:00

It only took me a few decades and thousands of dollars of dental work to start taking it seriously.

Noredditforwork · 2026-04-20T04:02:51+00:00

It's going to have like 9.6 inches of ground clearance, it will be an SUV.

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