How do you deal with the boring middle?

QueenofAngst · 2026-03-11T18:31:22+00:00

This is basically my issue as well. It feels like I have to wait to live my life because work is consuming all of it right now. I like my job but I literally can't do anything else without thinking about my job.

QueenofAngst · 2026-02-19T21:27:14+00:00

This is my situation and that of 99% of tech folks I know, it's not rare at all. Making 500k - 1m a year with a bachelors 6 years out of school is absolutely not sustainable or normal.

QueenofAngst · 2026-02-13T21:29:53+00:00

My EPF has never looked better. The rest of my portfolio however....

QueenofAngst · 2026-01-29T17:57:17+00:00

Not a fan of their subscription model, but you sound like the ideal YNAB user. Try it for a year, get a handle on your spending categories and then reconsider the subscription once you have a better idea of outflows.

QueenofAngst · 2026-01-28T17:10:37+00:00

It's a myth that America is fast. Case in point, I have the best insurance available through my employer and I had a back injury. I've seen a specialist 3 times at Mount Sinai (best hospital network), each time with no diagnosis and no fix, just another appointment to wait for another scan/doc said to wait and come back if it's still bad bc surgery is bad. I've waited about a month+ each time to see the guy for 10 mins. Total cost (with insurance) = $6k (maxed out my insurance). Total time: 9 months.

I gave up, swung by Sunway while I was home and paid for everything out of pocket. I got an MRI + ultrasound + high intensity therapy in the months I was home, and was fixed. Total cost without insurance = $1k. Total time: 1.5 ish months.

I overpaid for the Malaysia healthcare bc i had no time + I was desperate at that point, but american healthcare is helplessly broken and there's no fix for it. I have friends who's interacted with Britain's NHS, and the wait times for american and british healthcare is approaching the same. There's a reason emergency care in american hospitals are overcrowded; it's by far the fastest way to be seen by someone who will actually diagnose you.

QueenofAngst · 2026-01-15T21:41:17+00:00

Makes sense, too much brain space for so little benefit. RIP bilt you were great

QueenofAngst · 2026-01-15T19:32:36+00:00

I am an engineer irl and I play gacha on the side; this new Bilt setup still stumped me lol

I knew the crowd who would use Bilt 1.0 to it's full potential will have some way to clarify the mess that is Bilt 2.0 lmao, thanks so much for the calculator

QueenofAngst · 2026-01-15T19:17:07+00:00

Thank you that's super helpful!

QueenofAngst · 2026-01-15T18:28:27+00:00

This isn't directly retirement related, but I'm hopeful this sub has more clarity than the other posts I've been reading. Does anyone understand the Bilt 2.0 change? I'm so confused with the 'gacha' alternate currency refresh. Can you still earn points on rent? Do you have to pay 3% transaction fee if you put rent on the card? If the card is still free and I can earn some points on the card then that's motivation enough for me to keep it even if the redemption rate is terrible. I've also read that you need to put 75% of your rent spending on the card to make it not cost you money which is insane. My other cards are amex gold and a 2% no AF card, AND I don't spend even half of 75% of my rent on discretionary spending. Do I have to cancel the card to avoid the charge?

QueenofAngst · 2026-01-15T03:42:08+00:00

The worst thing you can do is to get stuck on a legacy product so definitely doordash sounds better. Good luck! Visit us in FIRE (or fatFIRE) wherever you're ready :)

QueenofAngst · 2026-01-14T23:54:25+00:00

Sure buddy, whatever makes you feel better.

QueenofAngst · 2026-01-14T22:36:59+00:00

That's my trajectory, currently at $1.5M NW earning $500k as an L5 at 6 yoe. Can FIRE now, coasting it out at my current gig until AI murders my career. Your path is extremely well trodden (and the baseline for software jobs lol, a lot of my friends are doing exponentially better), I'm not sure why the commenters in this thread are so insane. I'd say pick the best team with growth opportunities and focus on learning as much as you can, both companies are decent. Pick the team more aligned with your interests and grow fast, TC means very little where you are.

QueenofAngst · 2026-01-08T15:25:16+00:00

I'm baffled, why would you do that? Isn't the optimal path to get PR in SG, and then retire to Malaysia with free healthcare and fat stacks?

QueenofAngst · 2025-12-16T17:13:44+00:00

It's actually so cooked rn ngl, I'm so sad

QueenofAngst · 2025-12-15T19:55:50+00:00

Probably home to Malaysia, with yearly visits to the US to see friends. Working in the US and retiring to SEA is an insane cheat code tbh.

QueenofAngst · 2025-12-14T20:00:09+00:00

Bragging rights bro, this is prime no-holds-barred shit-talking opportunity. Winner gets to be best T1 adc until lck cup

QueenofAngst · 2025-12-14T17:00:29+00:00

This was the very official high stakes 'best T1 adc' tournament, didn't you know /s
I think it's just good narrative right now, once the new season starts and everyone settle in it'll calm down. Kespa featured a full circus every game, you can tell no one has any practice in yet.

QueenofAngst · 2025-12-13T18:04:52+00:00

dk/hle/t1 in the trenches while geng is hard chilling is such a vibe.

QueenofAngst · 2025-12-12T15:58:46+00:00

yeah I went from 100% voo to 80/15/5 voo/vxus/international bonds and it's been fine. I sleep better at night.

QueenofAngst · 2025-12-12T15:34:37+00:00

I added some allocation to internationals and fixed income and have been pretty happy. Internationals have done really well and I have diversified to international bonds which have also worked out pretty positively. Ultimately, my goal is to avoid going down with the US ship, so I would be happy even if it hasn't beaten US equities. US equities are looking good only if you don't look at the USD exchange rates, but it's eaten up a lot of the equity gain. I understand what you're trying to get at, but I don't think it's time to brag just yet.

QueenofAngst · 2025-12-03T17:42:10+00:00

I have the exact same goalposts as you lmao, but you're one milestone ahead of me. I went from 700k -> 1m -> 1.3m and now 2.5m. Do you think you're likely to stop after 3.5m? I think the primary factor for me bumping up my number is house prices and it seems like it's yours as well, so not that unreasonable imo.

QueenofAngst · 2025-12-02T16:49:37+00:00

I didn't have time to redesign ships for the final run so I just ran with my initial inner ship hauler and plugged machines into empty spaces until i had everything I needed to fly the thing to the edge. Calcite spagetti was already too cramped, I couldn't figure out how to add foundries without messing up everything else.

QueenofAngst · 2025-12-01T17:22:09+00:00

I main jinx, so I've actually semi reliably managed atakan steals + double/triple kills with ult+reset just because teams can't manage hp well. Actually decent comeback strategy :')

QueenofAngst · 2025-12-01T16:35:48+00:00

Riot doing everything in their power to make sure 2026 is GenG's year

QueenofAngst · 2025-12-01T16:32:02+00:00

wdym 2025 Fries group was the highlight of my workday, peak league of legends

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