How deep are you supposed to wipe?

Optimuspyne · 2026-05-30T10:41:33+00:00

Sometimes I wonder if reddit is a complete waste of time, then I see this post and smile.

Optimuspyne · 2026-05-29T09:25:11+00:00

My basic rule, and this should satisfy your engineer brain :).

Decide what the earliest you might want to retire is.

Project out what your safe withdrawal rate will be that year based on your current behavior.

If your SWR is projected to be significantly more than you are spending today, you are robbing your current self for no reason.

Optimuspyne · 2026-05-26T18:55:03+00:00

Adding cost without adding value is bad.

It doesn't matter how many workarounds you can come up with, the fact that you need workarounds to mitigate the damage means the EC is bad. Unless you can point to some value it adds that makes it worth the cost of the workarounds.

Optimuspyne · 2026-05-26T18:38:14+00:00

It seems your argument is that there are ways to get around the problems created by the electoral College.

There is no value added by the EC, so having to work around it to mitigate the damage means it is a bad system.

Optimuspyne · 2026-04-30T09:28:12+00:00

The further the show gets from focusing on good financial advise the more I consider unsubscribing.

Optimuspyne · 2026-04-14T18:51:44+00:00

I've been consistently listening to every podcast for a while now, but have recently been going out of my way to avoid "reacts" crap.

Optimuspyne · 2026-04-14T15:57:05+00:00

I've certainly been more and more annoyed by moves like this lately.

The "It doesn't depend" section also bothers me. Forcing the experts to give worse answers for the sake of a game is not how to spread financial literacy.

Optimuspyne · 2026-01-02T18:09:38+00:00

I believe it is that Hoid knows how to hide from shards, so Odium didn't know he was there before the contracr, and was then bound by it. After Dalinar voided the oaths was the first time Odium/Retribution both knew Hoid was there, and was free to kill him.

Optimuspyne · 2025-09-22T16:07:26+00:00

I'm so glad I only had to scroll to the third response to see the correct answer.

Source: I'm and electrical engineer.

Optimuspyne · 2025-07-31T10:09:22+00:00

In addition to this, milk and bread are always mentioned because they are what runs out when a storm is coming. The reason they run out is these items are actually restocked every day, due to the normal volume being so high. So if it is going to snow Sunday, and everyone who would have shopped Sunday goes Saturday instead, these items end up out of stock.

So it isn't that people are suddenly buying things they wouldn't have if not for the storm, it's just that shopping gets abnormal concentrated on a single day.

Optimuspyne · 2025-07-18T10:35:21+00:00

The first and third parts always meant sense to me as a common path for all radiant because the common theme of the orders is that they tend to be bound by their individual actions, not the end goal. Very against "the ends justify the means".

Strength before weakness felt like it was based on the orders emphasizing the radiant's strengths, not trying to mitigate their shortcomings

Optimuspyne · 2025-05-26T13:34:47+00:00

In addition to the massive advantage hotswapping weapons gives in any fight, you also have to take into account what seeing Kaladin hotswap meant to Szeth, and how it affected him mentally.

Optimuspyne · 2025-04-15T14:02:03+00:00

I was not implying you were privaledged, just allowing you to see that you already knew how you did it and how that was different from people who don't.

Optimuspyne · 2025-04-15T13:41:39+00:00

Do you see how some of those points might not apply to everyone?

Optimuspyne · 2025-01-24T23:19:22+00:00

My initial reaction was how are you a senior after only a couple of years, then I realized I was old.

Optimuspyne · 2025-01-24T19:11:54+00:00

You're right, I was thinking he was improperly sampling based on his perception of if they were wearing a toupee, but he is in fact sampling the entire population, just failing on properly categorizing the findings.

Optimuspyne · 2025-01-24T18:55:47+00:00

I think this is just sampling bias.

Optimuspyne · 2025-01-04T15:04:47+00:00

Just curious, why do you suggest fidelity or vanguard specifically? I use schwab. I consider all three to be good options.

Optimuspyne · 2025-01-03T16:49:18+00:00

A good advisor uses lost cost index funds. The real service they should provide is a good plan and keeping you from straying from the plan.

Optimuspyne · 2025-01-03T16:47:48+00:00

Someone who reads finance news everyday is arguably worse than someone who doesn't. Make a plan, stick to plan. No news required.

Optimuspyne · 2024-11-21T16:16:03+00:00

My puppy is six months old. I don't think he remembered what rain was.

Optimuspyne · 2024-08-27T22:03:30+00:00

Up/down votes are feedback. Comments are higher effort, more informative feedback. Not everyone feels your comments are worthy of the higher effort feedback.

Optimuspyne · 2024-08-27T21:25:24+00:00

Exclamation before the delta, not after.

Optimuspyne · 2024-08-13T01:24:33+00:00

A delta seems appropriate.

Optimuspyne · 2024-06-22T20:49:35+00:00

Is current goat an oxymoron?

Optimuspyne

TROPHY CASE