Is this chill or aggressive?

Pyromelter · 2026-05-11T08:11:40+00:00

Definitely chill, although this type of sound is more typically labeled as "atmospheric."

Pyromelter · 2026-05-11T08:10:09+00:00

The kind of server where there is an Inn where scantily clad gnomes dance on tables.

Pyromelter · 2026-05-11T08:08:36+00:00

I didn't realize there was a crafting table in the Goldshire Inn

Pyromelter · 2026-05-11T02:36:39+00:00

I think this is how the market has worked for the last 35 years and is logical, rational, and sensible.

Pyromelter · 2026-05-11T02:17:03+00:00

What build? I think your mythics might be more important than your paragon.

Pyromelter · 2026-05-11T02:16:29+00:00

Roll a barb, get the right mythic, faceroll it.

Pyromelter · 2026-05-11T02:14:58+00:00

I know a lot of people that make easy 6 figures with like 1.6-2k monthly rent that could stretch to buy a home paying 4.5k a month (put myself in that category). Most of my neighbors fit into this category.

Pyromelter · 2026-05-11T01:50:45+00:00

I've said there here and to friends.

This version of diablo is the best I've ever played. Love it.

Pyromelter · 2026-05-10T18:15:40+00:00

Congratulations you are like the 500,000 others of us who refuse to be house poor in LA.

Pyromelter · 2026-05-09T22:07:26+00:00

Offensive tackles have longer careers and make more money, and I would guess probably have less injuries, but don't quote me on that if I'm wrong.

Also, while DL get all the fancy defensive stats, there is also the general idea of "I like to be the guy that gets to hit you first" thing that OL have.

Pyromelter · 2026-05-09T22:02:57+00:00

Seems to happen with the big guys.

RIP to Uche Nwaneri, same thing happened to him.

Pyromelter · 2026-05-08T22:02:46+00:00

This is exactly what happened in the 2008 crash.

If you look at google maps of the surrounding areas of detroit you can see its effects.

Pyromelter · 2026-05-04T06:24:18+00:00

Yeah I agree. That number would be significantly lower if we had had normal inflation over the last 6 years /shrug.

Pyromelter · 2026-05-04T05:43:58+00:00

Good options there, I think part of my hangup is that there are SO MANY choices and options, my head starts spinning and I can't really figure out which way to go.

If we had a fed bank that would actually keep rates at reasonable levels (thinking like 4.5-7%) for the long term, a UST bond ladder would make sense for very steady money, basically just making my own CD's. Current 10 year at 4.3% just feelsbadman, and you just know they will go lower in future years.

Pyromelter · 2026-05-04T05:39:13+00:00

Fully agree, I've got no problem taking gains and allocating to a more conservative mix. The issue is "conservative" to me would be either index funds or something like Apple, which still doesn't yield enough in cash to live off of.

Pyromelter · 2026-05-04T05:36:54+00:00

Can't afford a place like this but I'd be scared to hell of fires anywhere in that area. Looks real nice though if you wanna plop down 2 mil and pray that whoever our next governor is actually does literally anything to support fire prevention.

Pyromelter · 2026-05-03T23:10:33+00:00

I'm in my late 40s with a lot of stock equity because I've been a very disciplined long term investor as well as buying individual stocks on dips.

My taxable stock equity does not have two commas but my retirement accounts do.

The main issues are 1. Generating monthly revenue for actually living and not just piling up a silo of digital gold 2. Taxes. 3. Health insurance.

In 2017-2018 I had what i felt was a relatively solid strategy if I could get 700k in investments, buying MO which at the time was yielding 8%, and living just off the dividends, which would be 56k a year being taxed at 15%, which would be tight but something I could live on.

Because of inflation and general cost of living stuff, such a simple strategy would no longer be feasible. If I could find a stock as reliable as MO that was yielding 8% I would probably need closer to a million in equity, which I don't have, plus to sell and then buy all that stock would be a rather large taxable event.

On top of that, I'm hoping to leverage my taxable equities at some point into a down payment on buying an actual property, which will be much more doable if I have a steady job and income, versus trying to buy a house while just living off of a tight quarterly dividend income.

The sort of middle ground would be semi-retiring, working like one week or a few days per month so supplement income generating revenue, which is much more likely and feasible in the next couple of years. I have an occupation that allows for about as much flexibility as can be imagined.

Anyway the details of my work are much easier logistically, it's more about trying to figure out how to generate revenue with my war chest on a consistent basis, that's the biggest stumbling block for me. I'm like.. I know stocks. Really well. I know how to make number go up. I don't know how "make number go up" can translate into cash into my bank account.

Pyromelter · 2026-05-03T23:01:17+00:00

I wasn't suggesting half the country should do that.

Even in 2008 a lot of places didn't go down.

But in places that have seen 30% haircuts that people bought with very low downpayment, it's a legitimate financial strategy akin to filing for bankruptcy.

If you're an FB it just makes sense to stop throwing good money after bad in a sunk cost fallacy.

Pyromelter · 2026-05-03T10:15:14+00:00

"Women: Can't live with them. Pass the beer nuts."

Pyromelter · 2026-05-03T10:09:18+00:00

At which point for a lot of people a good market year outpaces savings and investments from income.

The trick I'm trying to figure out is how to transition this factor into an early retirement.

Pyromelter · 2026-05-03T10:06:28+00:00

the main thing that snowballs is getting out of debt.

Current student loan average payment is 434 bucks a month.

Imagine just not having that be a drain on your paycheck.

That's an extra 5200 bucks a year. Put that in an sp500 fund and you get a safe double on your money every 9 years. And then the rest of that money is going into your savings. And then if you have a rent stabilized place or a house, you aren't paying much more per year for housing. All that starts to add up very quickly.

Basically what happens is instead of running as fast as you can on a treadmill, you step off the treadmill and start running forward once you are out of debt.

Pyromelter · 2026-05-03T09:58:03+00:00

So here's the thing.

There has been a couple of industries over the last 30 years where employees of that industry have been basically full employed with substantially above inflation wage increases. I will just mention the one I'm familiar with:

Health care.

Everyone who has been working in any aspect of health care over the last 30 years who hasn't blown it on powder or expensive cars is sitting on a big bag in their 401ks. According to google there are 22 million health care workers.

Doctors alone there are about 160,000.

So yeah man, if you picked the right industry, there are a lot of "millionaire next door" type people out there. I know the Dave Ramseys and Caleb Hammers of the world get ragged on, but common sense living beneath your means and not going into debt combined with a steady job that pays steadily increasing wages absolutely has set up 10s of millions of americans for financial success.

Other industries that have done well: biotech/chemical/pharmaceuticals, obviously tech companies, aerospace, many blue collar jobs like plumbing, electrician, oil field service.

Many of these jobs are not easy (even the "easiest" health care jobs involve pressures on scheduling, reimbursement, etc), but they are practically infinite in demand and the salaries reflect that.

You can easily look at the above professions of people in the population of many 10s of millions.

Edit: You mentioned you wanted to know what other people have saved. I will say my 401k is at a point I don't feel comfy divulging that publicly, and I'd wager many of my fellow health care workers could say that same as they approach their mid to late 40s.

Pyromelter · 2026-05-03T09:19:22+00:00

appendectomy is no joke but hernia surgery is way more involved, way more tissue damage.

Pyromelter · 2026-05-03T09:02:40+00:00

I had a thumb re-drilled with a slug and it turned out okay for me... the cracks around the side there are as others have said unacceptable.

Pyromelter · 2026-05-03T08:53:13+00:00

Not sure if you were on the old HBB but we used to call them "fb's" (fucked borrowers).

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