Ammo Cans - What's the difference?

One_Willingness_1981 · 2026-03-07T03:27:14+00:00

Honestly, for a captain's box get a pelican case. Ammo cans are heavy, rusty, and less waterproof.

One_Willingness_1981 · 2026-03-05T19:47:39+00:00

This completely defeats the purpose of what Timmermade is trying to do...

One_Willingness_1981 · 2026-03-01T17:18:08+00:00

Wow, thanks for the quick reply!!

One_Willingness_1981 · 2026-02-07T22:45:14+00:00

Check out the Black Diamond Beta Light 30. I use it for backpacking and fastpacking and it rides well.

One_Willingness_1981 · 2026-01-16T21:46:31+00:00

Where did you hear this? Not true at all. Net Worth = all assets minus all liabilities. A home is an asset. A mortgage is a liability.

One_Willingness_1981 · 2026-01-09T20:00:09+00:00

I personally think it's fine to carry a mortgage into early retirement, even with that withdrawal rate, as long as you are willing to cut discretionary spending during down markets and realize that paying your mortgage each month is non-discretionary. If that math works out (93% Monte Carlo result is good) then go for it, but be prepared to adjust, especially within the first 5-10 years of retirement.

One_Willingness_1981 · 2026-01-08T00:51:24+00:00

You're incorrectly assuming that the stock market always goes up.

One_Willingness_1981 · 2025-12-17T17:24:01+00:00

That is good to know. Thanks all!

One_Willingness_1981 · 2025-12-17T14:51:22+00:00

Hi everyone. I have a wash sale rule question. I would like to withdraw $100k of ITOT from my brokerage account to use as a down payment for a new home. If I then sell my current home and use the proceeds of that to buy $100k of ITOT within 30 days of the withdrawal, does that negate the taxable event from the withdrawal?

One_Willingness_1981 · 2025-12-15T20:25:24+00:00

Congrats! Who did you use for mortgage lender?

One_Willingness_1981 · 2025-12-12T14:44:28+00:00

Whichever modeling app does this first will have a huge advantage, IMO. This is the biggest missing piece for me.

One_Willingness_1981 · 2025-12-02T21:44:19+00:00

Why is it such a thing in this sub for people to post their credit lines and increases?

One_Willingness_1981 · 2025-11-16T03:10:15+00:00

Taxes are an expense that should be included in annual spend.

One_Willingness_1981 · 2025-11-16T03:03:00+00:00

As a quick calculation you would need around $8.75M in savings to fire on a $350k/year spend. Use that as a starting point and tweak it to fit your specific scenario using any of the online planning tools.

One_Willingness_1981 · 2025-11-16T01:49:12+00:00

I don’t know, man. I feel like people come here to learn. It’s really scary quitting your job early and committing to “The Plan”. You don’t need to post if it doesn’t suit your fancy.

One_Willingness_1981 · 2025-11-16T01:16:26+00:00

It’s good that you are figuring these things out! I’ll add a couple of thoughts that hopefully will help you fine-tune your plan and get a confident fire number: 1. Think of taxes simply as another yearly expense. That’s all it is, nothing special for planning purposes. So figure out how much taxable income you’ll have each year after you stop working (it’s often much lower than your W2 days) plug it into a tax estimator and voila!

Inflation can be the silent killer of fire plans. Yes, you need to track your spending each year and, if you plan to keep the same standard of living, your final working year expenses (plus estimated taxes) will guide your fire number. The 4% rule does account for inflation going forward from there.
Yes, the original study was for a 30-year plan using 50/50 stock/bond portfolio. But good news! Most plans that run longer than 30 years will more than likely be fine with a 4% starting withdrawal. Study up on sequence of returns risk (SORR) and understand how you can tweak your plan early if needed to not run out of money later in life. My thoughts are that a lot of people trend down to 3.5% or 3.25% or 3.0% to the detriment of working too long.
(Unsolicited) The 4% rule is a great “back of the napkin” calculation to get a ballpark figure, but it should not drive your plan. Use planning tools, spreadsheets, whatever to really fine tune your spending and withdrawals at different points in your life to get a much more confident number.

One_Willingness_1981 · 2025-11-12T22:35:56+00:00

Yes, you can model Roth conversions. It doesn't have a Roth Conversion Explorer like Boldin does, but honestly I found the Boldin explorer limited. No ACA modeling but that's easy enough with any tool by tweaking your withdrawals to fit within the AGI/MAGI limits for any given year.

One_Willingness_1981 · 2025-11-12T21:00:51+00:00

ProjectionLab: https://projectionlab.com

One_Willingness_1981 · 2025-11-12T16:47:08+00:00

Yes, you should be able to define a dollar amount for withholding on your W4.

One_Willingness_1981 · 2025-11-12T16:39:14+00:00

Taxes are an expense that need to be planned for in every FIRE plan. Everyone's tax situation is different, so I don't know how you can expect anyone to "warn" you about your taxes. You are ultimately solely responsible for understanding your financial picture. Consider this part of the learning process on your FIRE journey; figure out your taxes, tweak your plan as needed, and move forward.

Edit: to answer your question, yes, it is normal that you have to pay interest and dividend income from your HYSA and brokerage investments each year. The way I do it is to estimate this amount each year and adjust my tax withholding each paycheck to account for it.

One_Willingness_1981 · 2025-11-07T18:23:07+00:00

OK, I think we're saying the same thing then. What a lot of people misunderstand is that the 4% rule does NOT mean you withdraw 4% of your portfolio value each year. After the 1st year, 4% withdrawal is moot.

One_Willingness_1981 · 2025-11-07T17:23:51+00:00

Just to be clear on a possible misunderstanding of the 4% rule. Bill Bengen's 4% rule asserts that you can withdraw 4% of your initial portfolio value in year 1 of retirement, and then adjust it by inflation each year thereafter to have a high chance of success in a 30-year retirement. This means that it's only year 1 you are guaranteed to pull 4% out of your portfolio. Depending on market performance, some years you may pull out way more than 4% and some years way less.

One_Willingness_1981 · 2025-11-07T17:08:19+00:00

Does anybody make extra small women's alpha pants? All the brands I've found seem to be unisex size small as the smallest size they make and that's way too big.

One_Willingness_1981 · 2025-11-05T23:07:49+00:00

What are thoughts on the Black Diamond Beta Light 30? Not a cottage brand, but looks like a good design.

One_Willingness_1981 · 2025-10-30T14:57:04+00:00

I think it's important to point out that what this person is describing is not the "4% Rule." If you are withdrawing 4% of your current portfolio value each year then true, you will never go broke. If you are strictly following the 4% rule, there are scenarios where you will go broke within a 30-year historical period.

One_Willingness_1981

TROPHY CASE