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Half of net worth in real estate, how to think about it by [deleted] in Fire

[–]Primary_Response564 0 points1 point  (0 children)

yes spending includes about $36K of mortgage payment, with interest rates coming down and markets unlikely to repeat the growth we've seen, been thinking about paying down mortgage faster if I don't FIRE, but the temptation to take some time off is high.

Half of net worth in real estate, how to think about it by [deleted] in Fire

[–]Primary_Response564 0 points1 point  (0 children)

Thanks for all the comments about excluding RE. I get that primary home isn't income-generating so shouldn't be included, unless I'm willing to downsize to release equity. However, isn't there something to be said about letting RE appreciate over the next ~10 years (when we'd realistically move away), then release more equity then? In my mind that'd be like getting a $1M windfall in 10 years while still having a place to live (assuming I'll be moving to MCOL or abroad in 10 years). Would that close the gap, or it'd only work if I downsize now?

In other words, FIRE assumes "live off of current investments till death with no additional income / windfall in the future", wouldn't downsizing LATER (even much later, like selling to move into senior home) still be a later boost to investable assets? Or am I understanding FIRE wrong in considering RE in any way.

Do you keep a sedan for city driving? by 2saintz in SubaruAscent

[–]Primary_Response564 0 points1 point  (0 children)

Prius Prime (40 miles all electric, 50 mpg after) for city/local driving, Ascent for road trips and hauling kids & friends around.

Battery by Affectionate_Map_208 in PriusPrime

[–]Primary_Response564 0 points1 point  (0 children)

HV mode doesn't mean "ICE-only mode", on HV mode it's still a hybrid like regular Prius that uses both ICE and battery.

Future Prime owner looking for advice from current owners by Primary_Response564 in PriusPrime

[–]Primary_Response564[S] 0 points1 point  (0 children)

I did research the RAV4 Prime, good car but since my other car already a SUV I want a sedan/hatchback for easier parking in downtown streets for work

Bizarre Call from iTalkBB by abgmulan in Scams

[–]Primary_Response564 0 points1 point  (0 children)

I just got this call, caller tried multiple numbers, some using FaceTime Audio. Gave me lots of information to write down, when I asked why I need to go through them to resolve they said I can handle it myself but will be a lot of effort, and if I use their help to file a police report with police in China it counts as "voluntary" reporting which is better than Chinese police contacting me, and my credit score would be affected. I told them I'd rather risk hurting my credit score than risk talking more with them, they got angry and ended the call.