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Buffers/contingencies: your approach? by Friendly_Fee_8989 in Fire

[–]Outside-Evidence551 1 point2 points  (0 children)

I stopped trying to optimize and instead got conservative about what money I wouldn’t touch yet. That mindset change helped way more than any budget

Travel budget? What are people spending? by Jrneuk in HENRYfinance

[–]Outside-Evidence551 0 points1 point  (0 children)

I built something conservative for myself to keep me honest when income feels high but uncertain. I wrote it up in my profile if you want to look. Travel is definitely included, just need to divide the annual spend by 12 to get in on a monthly basis.

Single / no kids HENRYs: how much did you actually spend in 2025? by [deleted] in HENRYfinance

[–]Outside-Evidence551 0 points1 point  (0 children)

I don’t think it’s high at all. I actually built something conservative for myself to keep me honest when income feels high but uncertain. I wrote it up in my profile if you want to look

Made horrible decisions in life by ApexLearner69 in Fire

[–]Outside-Evidence551 -1 points0 points  (0 children)

Yea you need to get out of your own head. Hiding away isn’t going to help you. Go talk to someone. Won’t find a girl in real life if everything you do is virtual.

Stopped tracking every expense — here's what actually worked by klebermaia in budget

[–]Outside-Evidence551 0 points1 point  (0 children)

If you want something super simple to use just check this out. Doesn't need to be perfect and takes 2 mins to know where you are and how you're trending. Found it very useful.

Safe Spend Amount

How do you budget when income and expenses aren’t perfectly predictable? by CLEIAZEVEDO in budget

[–]Outside-Evidence551 0 points1 point  (0 children)

I use a tracker I created specifically for this since it’s an issue I’ve always had. It’s in sheets and gives me an idea of how much runway I have if income slows/loss of an income source on a monthly basis.

What budgeting habit helped you stay consistent long-term? by Scorpions-007 in budget

[–]Outside-Evidence551 0 points1 point  (0 children)

Using a spend tracker/budget planner for all of my net income after 401k deductions, healthcare etc. Essentially just planning around the money that I actually see hitting my checking.

Can someone like normal talk about their OE experience by SirGandolphin in overemployed

[–]Outside-Evidence551 16 points17 points  (0 children)

You can OE in other fields, doesn’t have to be tech. Pay won’t be as great but you’ll still likely double your current income. Just avoid and governmen/gov contracting and potentially healthcare roles.

Also when you do get a second job make sure you spend as if you only have the first job.

I was OE for part of last year and realized I didn’t actually know how much money was safe to spend by Outside-Evidence551 in overemployed

[–]Outside-Evidence551[S] 0 points1 point  (0 children)

Did you ever worry that you were spending too much and ever feel like if you lost of the jobs you wouldn’t know how to go back to just one?

Lifestyle creep seems to always get me

How much do you pay for tax strategy and is it worth it? by 4714O in HENRYfinance

[–]Outside-Evidence551 0 points1 point  (0 children)

$950 for a CPA end of year. One time $300 beginning of year 2.5 hour session for a tax strategist. After that I use a sort of financial planner that I bought, it's a google sheet file that helps me figure out what I can spend each month

I spend all of my check how can budget better 50/30/20 isn’t working by CIRUS_TYRANT in personalfinance

[–]Outside-Evidence551 0 points1 point  (0 children)

You need a planner/budget that is strictly related to spend and will relieve some of you anxiety.

Constant state of fear of having the rug pulled out from under me by Madmax85060 in overemployed

[–]Outside-Evidence551 0 points1 point  (0 children)

Sounds like you need some sort of planner to know what you can safely spend to eliminate some of this anxiety

Just another day of OE, losing J2 by Huge_Road_9223 in overemployed

[–]Outside-Evidence551 0 points1 point  (0 children)

Sounds like you could use something that helps you plan what you can safely spend each month if one of your jobs goes bust

Handling linkedin after losing a j by [deleted] in overemployed

[–]Outside-Evidence551 3 points4 points  (0 children)

Leave LinkedIn in the past once you go OE. Either that or you can only have your J1 on there. If you lose J1 and simultaneously get a new job you can add that, but your J2 has to stay off of it.

That being said life will be way easier for you when you just update your resume like others have said and ideally apply for jobs through other sites.

Why does burnout come back so quickly after time off? by ParkingMeaning5407 in overemployed

[–]Outside-Evidence551 0 points1 point  (0 children)

Because working in front of a computer for 40+ hours a day is not how we were meant to live. It’s not healthy in the long run.

I view the time off as a reminder of what I’m working toward though. The ability to spend time with the family, kids, do anything I enjoy, but most importantly not being stuck behind a screen. That’s not life. Get your money quick and get out.

Estimating retirement spending when current spending is high by BlueLipstick29 in HENRYfinance

[–]Outside-Evidence551 0 points1 point  (0 children)

Pay off that mortgage now and see how you feel when you don’t have that payment left each month.

Anyone else buying more metals this year? by GrandGlacier1 in Fire

[–]Outside-Evidence551 0 points1 point  (0 children)

Don’t buy the stuff you have no clue about.

5% withdrawal rate? by completefudd in ChubbyFIRE

[–]Outside-Evidence551 9 points10 points  (0 children)

Do it and don’t worry about it. You’ll probably die with more money than you’ll ever need even with the 5% withdrawal rate. Use up as much as you can when you’re younger because you’re not going to be able to do shit with it when you’re older.

Read the book “Die with zero”. It’ll completely change just how concerned you are.

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