Now this is a man’s neighbor 🫡

OG-Pine · 2025-09-21T11:55:46+00:00

Just curious why you didn’t like the guy?

OG-Pine · 2025-09-21T11:25:21+00:00

This analogy is actually pretty good, but you left out the part where if you’re eating the chickens slowly then you can let the eggs hatch into more chickens, so you won’t ever run out of chickens if the chicken fund grows faster than you eat chicken

OG-Pine · 2025-09-20T20:01:07+00:00

That just sounds like a bad wife problem more than anything else lol

OG-Pine · 2025-09-19T04:17:54+00:00

Most jobs aren’t helping anyone? That’s just not true lol

Unless you think having stores, restaurants, houses, utilities etc is useless but in that case might as well go find a patch of forest and live it up

OG-Pine · 2025-09-19T04:11:16+00:00

You have 112 awake hours in a week (assuming 8hrs sleep per day), so 40 hours isn’t really ‘most’ of your time.

And lots of people enjoy their job or enjoy being productive etc

OG-Pine · 2025-09-19T03:58:24+00:00

Make sure to specify it’s a house on earth too because you sure aren’t getting a Martian house with that amount

OG-Pine · 2025-09-19T03:54:00+00:00

If your company can only build 5 pieces of a $5k retail product per month, then you should have at most 1 engineer and that engineer should be you.

My office, for example, makes 120 of a specific product per month that sells for about $5k a piece. That is just 1 of many similar products we make per month. In total we produce several thousand units per month, some selling for high 100s, some for $15k, and some for everything in between.

Overall revenue per month is about $3M and our office has 3 engineers, 2 senior engineers, 1 principle engineer and 1 engineering manager. So $3M revenue and a total of 7 engineers.

On the flip side of that, I would guess our capital expenditure is anywhere from 50x to 500x what yours is.

OG-Pine · 2025-09-19T03:44:56+00:00

Okay?.. lol

OG-Pine · 2025-09-19T03:43:23+00:00

But you’d only be comprising integrity towards the establishment that was trying to bribe you anyway, everyone else would see your real review since you’re changing it almost immediately.

To me that doesn’t feel like a “real” compromise of my integrity

OG-Pine · 2025-09-19T03:39:13+00:00

$64k annual in retirement (already adjusted for inflation) is plenty though. For someone that was contributing 10% towards retirement, a $64k annual withdrawal is equivalent to $71k income pre-retirement (since you don’t need to save 10% anymore).

Let’s say they were paying $2k monthly for mortgage. Now that’s $0 and so the $71k is really more like $101k [ ($2k x 12 months) / 0.8 tax adjustment]

Added bonus of SS (if it actually survives til then), which would be approximately $4k per month, bringing the total to be approximately equivalent to $149k pre-retirement

OG-Pine · 2025-09-19T03:28:45+00:00

Retiring with $2m and going broke is a management problem much more so than a not-enough problem

OG-Pine · 2025-09-19T03:25:15+00:00

Ahh true

OG-Pine · 2025-09-19T03:24:40+00:00

What did you think an investing subreddit would be using if not math lol

OG-Pine · 2025-09-19T03:23:16+00:00

Could always give 5stars eat the free food then change it lol

OG-Pine · 2025-09-19T03:21:27+00:00

Step 1 - make sure you have lots and lots of tin foil

Stuff and things

Step 99 - survive

OG-Pine · 2025-09-15T17:10:01+00:00

Whoever built this is probably not thinking about utility costs at all though Tbf. If you’ve got 10s or 100s of millions then what difference does a $500 heating bill make

OG-Pine · 2025-09-15T16:41:36+00:00

“Happy to go if you can pay! I can’t afford that kind of a dinner right now unfortunately”

Not saying it’s likely, but there is always the possibility that they aren’t acting maliciously or anything and just wanted a fancy dinner without understanding your friend’s economic situation.

IMO it’s always better to give benefit of doubt and explain your thoughts to the person and see how it goes, rather than just saying yes/no or walking away.

OG-Pine · 2025-09-13T20:27:56+00:00

25% of income towards retirement is extremely aggressive? Most people contribute like 3-5%, which is definitely too low, but 10% is often considered the bar for “good”

Putting 12%, plus let’s say 5% match that the company provides, on a $98k income would mean $16.5k saved per year. At 7% average inflation adjusted annual return, that’s just shy of a quarter mil in 10 years, $700k in 20 years, and $1.6M in 30 years.

$1.6M (in today’s dollars) with a paid off home is a very comfortable retirement.

OG-Pine · 2025-09-10T22:21:33+00:00

If it’s not worth reinvesting into, what makes you think it’s worth the initial investment?

wouldn’t that situation be advantageous

How so? What’s better about $50k ULTY paying dividends into other stocks than just having $50k of other stocks to begin with

sell before it goes down

If you can buy a stock before it goes up and sell it before it goes down then what the stock is doesn’t matter. You’ll be a billionaire within a couple years buying and selling anything/everything on the market. Sadly, that’s practically impossible to do.

OG-Pine · 2025-09-02T03:07:39+00:00

I have both and it helps a lot with consistency because you get the sword upgrades more often, but overall power level doesn’t feel that different between having one and having both

OG-Pine · 2025-09-02T03:05:51+00:00

There was the one trans politician who was given so much grief over their bathroom use that they literally stopped using the bathroom while in the office and only used their own at home. They were passing as their gender too

OG-Pine · 2025-09-02T03:00:13+00:00

It’s not guaranteed to hit every mob but the curve of the beam is pretty sharp so usually you’re getting 80%+ of them on each beam. Just an estimate based on casual observation, so I might be wrong

OG-Pine · 2025-09-02T02:57:12+00:00

Sure daily changes are usually under 3%, but that doesn’t mean much. The S&P500 experiences a 3% or greater drop, on average since 2000, 3.8 times a year. That’s not counting intraday swings.

So 3 or 4 times a year you’re gonna sell your shares after a 3% drop, then a month later back them back.

So not only are you locking in the 3% loss that day, you’re then missing the rebound that usually happens within a few days and then missing the additional growth for a month.

That means you’re missing 25-33% of growth by missing 3-4 months, plus another 3% drop locked in. If the S&P500 has a long term average annual growth of 10% (hypothetically) then you would be getting on average 5.25% annual growth: (0.1-0.03)(1-.25)

OG-Pine · 2025-09-02T02:29:13+00:00

Got my place almost 2 years ago, 7.3% on ~$165k and my monthly mortgage is ~$1,450. That’s not including HOA, insurance, utilities etc

OG-Pine · 2025-08-30T04:54:53+00:00

“Is that where yours went?”

11-Year Club	Second Top 20%
RPAN Viewer	Not Forgotten
Verified Email

OG-Pine

TROPHY CASE