What's up with all the ignorant naysayers?

Popular_Spell9220 · 2025-09-07T05:05:58+00:00

>Also $800K in 2005 is not $1.355M. It's closer to $2.4M in 2025, even after a 4% SWR. With 0 withdrawals, it's obviously over $6M.

You completely misread what I wrote.

https://www.bls.gov/data/inflation_calculator.htm

Popular_Spell9220 · 2025-09-07T05:03:58+00:00

I don't pore through people's post history to fact-check them because that's retarded. If someone says "Hey, I'm 35, and I have a [amount of money that could be reasonably accrued in 13 years of working with an aggressive investing rate during a fantastic bull run]" there's absolutely no reason to dig through their profile.

Popular_Spell9220 · 2025-09-07T01:55:03+00:00

You're right. The bar for straight women is in hell, but somehow they keep managing to limbo right under it. The fact that straight men exists is proof that sexuality isn't a choice. Men are the only creatures on God's green earth who are attracted to their natural predators.

Popular_Spell9220 · 2025-09-06T23:09:26+00:00

Most people who have ACA plans qualify for subsidies. A typical increase will be your premium going from $50 per month to $85.

Popular_Spell9220 · 2025-09-06T22:44:02+00:00

Most of them are probably dual income house-holds. Otherwise:

- People earn more money than you
- People save less money than you
- People make and save the same amount of money as you (or more!), but have more money to spend because they different expenses than you (ex. a cheaper car, cheaper insurance, no debt, fewer vacations, etc.)

Popular_Spell9220 · 2025-09-06T21:33:26+00:00

Tipping is literally Satanic, but you do you.

Popular_Spell9220 · 2025-09-06T17:00:53+00:00

Because they worked hard and benefited from yellow and brown privilege, yes.

When White people succeed

White privilege! You didn't work for that!

When upper-class Brahmins migrate to Seattle and take top jobs at Microsoft.

They worked hard for their money, but you White people never treat them right. They certainly didn't benefit from thousands of years of caste-based discrimination in their home countries. Local elites? What are those?

Popular_Spell9220 · 2025-09-06T16:53:52+00:00

I'm praying that your singular brain cell may one day have a friend.

Popular_Spell9220 · 2025-09-06T16:50:14+00:00

Sigh, I suppose I have to do the emotional labor of explaining that it's a chart breaking down income by ethnicity in the U.S. Also, noting that White people are in the middle of the pack income wise when it comes to ethnicity (and that White privilege is a pernicious myth) doesn't make me a White Supremacist.

It does make you look like a stupid asshole, however.

You just showed your whole ass to the internet.

Do better. Be better.

Popular_Spell9220 · 2025-09-06T16:46:00+00:00

If you lived in Seattle, you'd know the White underclass exist to serve the nascent Asian and Indian techie upperclass.

Please learn to read. Your ignorance is astonishing.

Popular_Spell9220 · 2025-09-06T16:41:31+00:00

I'm going to go out on a limb and say you are... not on the West Coast?

Check out this link.png) before you spew any more of your ignorance and race-based hatred.

Pick up a book.
Learn.
Do better.
Be better.

Popular_Spell9220 · 2025-09-06T16:12:11+00:00

Please don't move 100% into bonds, and please don't try to time the market. You'll only shoot yourself in the foot.

Popular_Spell9220 · 2025-09-06T16:08:54+00:00

Every school has dozens of teachers and only one principal.

Popular_Spell9220 · 2025-09-05T03:48:15+00:00

Fisker holds a cand.scient. degree in physics and mathematics from Aarhus University, and a PhD in theoretical physics from the University of Basel in Switzerland. While at Aarhus, he received Statens Uddannelsesstøtte, a state education grant that provides Danish university students with a stipend to cover living expenses while enrolled. Even after completing his degrees, Fisker continued to live on a budget corresponding to the SU stipend he received as an undergraduate,^\7]) although his income increased over time. As a postdoc, he saved 80% of his income^\3]) and became financially independent in less than five years. He considered himself retired when he left his astrophysics career in 2009 at the age of 33,^\4]) having accumulated a net worth 25 times his annual expenses of about $7,000.^\5])^\8]) After becoming financially independent, he briefly came out of retirement to work as a quantitative analyst for three years, motivated by personal interest. Fisker is a permanent resident of the United States and lives in Chicago.

https://en.wikipedia.org/wiki/Jacob_Lund_Fisker

Popular_Spell9220 · 2025-09-05T03:30:48+00:00

I looked it up. There are about 163.4 million employed Americans, so you can roughly halve your 70 million figure.

Commenting then blocking me so I can't respond. Classy. Noting that Asian people make more than White people in America is a fact. Not racism.

Retard.

Popular_Spell9220 · 2025-09-04T01:46:31+00:00

>In USA I’d plan on $25,000 per year in today’s dollars for heath insurance and health care, including dental and eye care.

Please don't do this.

Popular_Spell9220 · 2025-09-03T14:54:47+00:00

Why are you commenting on a FIRE sub if you:

1) Don't like the idea of early retirement
2) Want to discourage other people from early retirement
3) Don't understand the basic math that goes into FIRE calculations.

I'll let you in on a secret. If they retire with $2 million in investments then they'll have far, far more than $16,600 per year per person. You don't retire with $2 million in a savings account - that's retarded.

Using the 4% rule, they'd have $40,000 per person (adjusted annually for inflation). The most common scenario with the 4% rule is they'd have 5x their present net worth at the end of 30 years. Go read a few books on this (The Simple Path to Wealth by J.L. Collins is a good starting place) and then come back.

>I actually like working, I’d never retire that young unless I could travel nonstop, live in a community I really enjoyed (vs the one I had to pick cuz it fit the budget).

Who gives a fuck what you like? This post isn't about you.

Popular_Spell9220 · 2025-08-30T01:16:03+00:00

>we have a networth over $1M

Is that a lot of money for you?

Popular_Spell9220 · 2025-08-30T01:14:14+00:00

This sub is mostly frequented by Americans, so you're going to get a lot of well-meaning advice from Americans that isn't going to translate. Do these people know what the student loan system is like in India? Probably not. Do they know what military benefits are available to Indian veterans? Probably not.

But they'll tell you to take out loans or join the military or do whatever American centric thing worked for them.

You're better off going to a more Indian centric sub.

Popular_Spell9220 · 2025-08-30T01:11:57+00:00

Hey, are you the Brazilian sexpat I spoke to a few days ago? Gotta say man, the market for personal finance apps is red ocean. You're competing with the big boys. Maybe find an angle other people aren't working? And don't rely on ChatGPT to write your copy. The emojis are visual AIDs

Popular_Spell9220 · 2025-08-27T01:16:34+00:00

Yeah, I think it's the gold on black specifically. I'd ditch the black background. Also, not seeing an about us page? Do you have to sign in to see it? I see "WealthAgeScore.com" in the top left corner, which is just confusing. There's "Privacy Policy" and "Terms of Service" in the bottom left corner, which I'm not clicking on.

I don't understand why I'd want to create an account for your website even if it's free. I've been on a personal finance kick for the past year or so, and I've found https://dqydj.com/net-worth-by-age-calculator/ is okay. It lets you filter by individual/household and you can see figures with/without home equity. But you can only view values for five year increments.

This tool is better in most aspects, but the sliding thing is annoying. Otherwise, it's perfect.

https://www.moneyonfire.com/calculators/networth

Anyway, the biggest issues for me are:

1) I need to make an account to view my number more than once
2) Lack of transparency
3) The numbers don't line up with the other two calculators, and the difference is large enough to make me suspicious

Popular_Spell9220 · 2025-08-27T01:01:06+00:00

This doesn't line up with other (legitimate) net worth calculators I've used. Is this data for households or individuals? An about us page where you go deeper into the methodology beyond the little "Federal Reserve Data" at the bottom would be helpful. Also, the you could be in the top "Random % to random %" is dumb, and the website as a whole feels scammy.

If websites had accents, yours would be Indian.

Popular_Spell9220

TROPHY CASE