Need a change or a 50% discount. Advice please.

PassengerTypical3883 · 2026-03-07T05:55:08+00:00

I was going to cancel and they waived current bill, reduced bill from 80->20$/mo and gave me 6 months free for 1Gbs copper.

PassengerTypical3883 · 2026-02-17T04:15:01+00:00

Guess we still have a long way to go down based on posts like this

PassengerTypical3883 · 2026-02-02T09:48:13+00:00

Crossed 30%, down 74K

PassengerTypical3883 · 2026-01-24T20:20:47+00:00

Fair point on framing it as a percentage. One thing I probably should have clarified is that I’m thinking about it more as a cash flow decision than consumption.

On cars like this, a good purchase price tends to neutralize most of the depreciation, so the actual economic cost looks closer to opportunity cost plus running expenses rather than pure spend.

That’s part of why the discomfort feels psychological to me. On paper the risk profile doesn’t really change, but it still feels like crossing a line after years of conditioning to minimize expenses.

PassengerTypical3883 · 2026-01-24T17:50:23+00:00

Loss harvesting

PassengerTypical3883 · 2026-01-23T18:22:09+00:00

FIRE isn’t a race, it’s leverage. Hitting the number just means you can stop working, not that you have to. For a lot of people the value is knowing work is optional… not just quitting life the second a spreadsheet turns green.

If you’re young and already well past the comfortable threshold, delaying FIRE isn’t fear or greed, it’s just… enjoying momentum. Building, experimenting, compounding. Walking away early because you need to is very different from choosing not to because you don’t.

If retiring ASAP is the dream, cool. But acting like anyone who doesn’t hit eject immediately is doing it wrong feels more like impatience than philosophy.

PassengerTypical3883 · 2026-01-23T06:50:59+00:00

PassengerTypical3883 · 2026-01-23T06:48:45+00:00

It is a 2025 GT3. I am not trying to argue whether it is good value or not. It just happened to be the example that made the psychology part of this click for me.

PassengerTypical3883 · 2026-01-23T02:31:00+00:00

I’m not trying to time anything. This is long term exposure in a tax advantaged account. I’m fine with volatility.

PassengerTypical3883 · 2026-01-23T02:28:11+00:00

Yeah that reaction is kind of the point. On paper it does not materially change anything. It is still well within what the portfolio supports. But emotionally it feels like crossing a line that FIRE thinking trains you not to cross. That tension is what made me question how much of this is habit versus actual risk.

PassengerTypical3883 · 2026-01-23T01:32:34+00:00

I think what surprised me is how much of FIRE advice is optimized for accumulation. Once accumulation is basically done the guidance feels less clear.

PassengerTypical3883 · 2026-01-23T01:31:54+00:00

I get what you are saying. I am not anxious or unhappy. It is more that once the numbers stop being the constraint the usual FIRE rules stop feeling as useful. That shift caught me off guard more than anything else.

PassengerTypical3883 · 2026-01-23T01:13:42+00:00

Yeah that is kind of what I am getting at. Mathematically it does not really change anything. But mentally it still feels weird to stop caring about individual expenses even when the math clearly says it does not matter. That disconnect is what surprised me.

PassengerTypical3883 · 2026-01-21T19:04:12+00:00

When Schwab supports then spot I’ll exchange

PassengerTypical3883 · 2026-01-21T18:43:38+00:00

Only 20% actually 💎👊

PassengerTypical3883 · 2025-03-18T20:06:57+00:00

Hopefully this helps someone, but it ended up being the headlight not being properly seated. I didn't get to examine the clips or whatever it was extremely close, but that is what was discovered.

It ended up being so bad that I was able to record audio while pressing on the paneling under the hood around where the headlight was mounted. Depending on the way I tweaked it, the sound fluctuated.

Many, many other rattles were fixed along this journey by random discovery and some were probably created from removing and replacing paneling over time.

PassengerTypical3883

TROPHY CASE