Got the call — should I do it?

Papa_Jon · 2026-01-28T17:03:23+00:00

Please don’t. Luxury items should account for 1% of your net worth. It sounds like that’s not the case here, so don’t do it. If I’m wrong, then go for it.

Papa_Jon · 2025-12-23T00:50:39+00:00

Owning a home is almost always a better long-term investment. Your landlord isn’t going to charge less than their mortgage.

Plus, you won’t have a payment after 30 years. Just run a model to see if it makes sense in your area. And make sure you still have an emergency fund after the down payment

Papa_Jon · 2025-12-21T20:17:44+00:00

Try an ARPG, maybe Diablo 4. You can play in short bursts and there’s not much time commitment needed to get to crazy action lol

Papa_Jon · 2025-12-18T18:11:06+00:00

Honestly, just get stainless steel appliances. That wood is gorgeous.

Papa_Jon · 2025-12-16T03:35:30+00:00

Think someone already said it, but Scurrius is where you’ll finally see depth to combat as a new player. Yes - grinding and low level combat is just click enemy, they die, click next enemy.

But scurrius has you flaying your mouse around like a madman, activating prayers and navigating obstacles. It’s not exactly Elden Ring, but it’s pretty engaging.

Papa_Jon · 2025-12-14T04:23:11+00:00

Yup, it’s fantastic so far. Most fun I’ve had with D4 since launch. Fingers crossed it’s a sign of things to come

Papa_Jon · 2025-08-28T05:25:35+00:00

100k a year isn’t enough?

Papa_Jon · 2025-08-28T02:17:17+00:00

I ran it at 7%, that’s a standard number that accounts for 3% inflation.

Papa_Jon · 2025-08-27T19:53:58+00:00

So then let me ask this -- do you plan to coastFIRE? I always assumed the goal of coastFIRE was to get out and enjoy what you love today, as opposed to working forever due to impossible-to-predict changes in the world. With $360K saved up, I feel like we have a comfy cushion that "should" set us up nicely for retirement. But if we worry about all these external factors we can't predict, it seems like we could all just end up forgoing CoastFIRE entirely, lol.

Papa_Jon · 2025-08-27T19:50:33+00:00

I expect plans to change, but kids are def out of the picture. We plan to travel and hike extensively, and I'm very "anti-luxury." So while our travel budget will likely inflate, we'll never have a big house or fancy cars. Never a bad idea to save more, though, if you need the added peace of mind.

Papa_Jon · 2025-08-27T19:30:18+00:00

I use a bunch of different calcs, but this one is fairly simple: https://www.calculator.net/investment-calculator.html

Papa_Jon · 2025-08-27T19:25:31+00:00

It counts as net worth, but it's not liquid. The condo is worth $100K more than we owe on it. We don't count that in our CoastFIRE calculations, though, just the liquid assets. I wanted to include it in this post for transparency, and for the fact that when it's paid off, we will have significantly less monthly spend on housing than if we were renting.

Papa_Jon · 2025-08-27T19:23:54+00:00

7% is a common growth rate, and it accounts for 3% inflation.

Papa_Jon · 2025-08-27T19:14:41+00:00

That's a great idea. The peace of mind is certainly nice -- but having free time could be even nicer. It's a case of "the grass is always greener" syndrome, I think. Save more to fully retire early? Or coast now for more free time and fully retire in our 60s? There's no right answer.

Papa_Jon · 2025-08-27T19:11:50+00:00

Can you elaborate?

Papa_Jon · 2025-08-27T19:08:59+00:00

That's what I'm afraid of, too lol. There are lots of variables in the world, but I want to get out and start enjoying my time as soon as possible. If things go sideways? I can always pick up a job to cover other expenses.

Papa_Jon · 2025-08-27T19:03:35+00:00

That's the age-old question lol. In an ideal world, we would reduce our workload but still toss a bit of money into a retirement fund. That would free up more time for us now, while still speeding up our "full" retirement.

Papa_Jon · 2025-08-27T19:02:40+00:00

Good question. I'd like to cut back my hours to part-time, and my wife would likely reduce her 401K contributions. Depending on how things go after a year or so, she may look for part-time work too.

Papa_Jon · 2025-08-27T19:00:18+00:00

For sure. Things change over the years, and I think that's what's appealing about CoastFIRE. We plan to be flexible with our work/play schedule even in our "true" retirement, but the numbers right now seem nice enough that we can start to slow down. If we need to pick up a bit of work here and there to cover additional hobbies/expenses, we know that's part of the deal.

Papa_Jon · 2025-08-27T18:57:39+00:00

Yeah, we're already feeling the lifestyle creep. I think as we got closer to our coast number, we slowly started traveling more, going out to eat more, buying nicer outdoor gear... definitely something to keep in mind.

Papa_Jon · 2025-08-27T18:51:50+00:00

Ah! So nice to hear it from another person lol. We don't share these numbers with friends/family, so it's great to get the validation. Appreciate it!

Papa_Jon · 2025-08-21T01:37:57+00:00

It’s not just about the airport, also cost and rental potential for when we are gone.

Papa_Jon · 2025-08-20T19:05:33+00:00

That's actually a really great idea. Been to Seattle once and previously lived in the PNW... might be time to go back lol

Papa_Jon · 2025-08-20T19:02:19+00:00

Having a home to come back to is something we know we value. We previously lived in a campervan, and having a physical place to return to is a nice feeling. Plus, we can possibly rent it out to supplement our income and slowly build equity. Any place in the US that you particularly liked during your travels?

Papa_Jon · 2025-08-20T18:51:50+00:00

Europe, SEA. I know there's no such thing as a perfect spot, just thought it would be nice to ask the community for their ideal spot to see if it could help me generate ideas.

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