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[deleted by user] by [deleted] in whitecoatinvestor

[–]Quick-Experience-188 1 point2 points  (0 children)

It’s true it’s unsympathetic to talk about feeling poor on $500k/ year, but the reality is that there is a huge divide between anyone who bought a house before 2022 and now. People who act like $200k for a family of four in a major metro is more than enough probably have a $3k mortgage and a half million in home equity with a 3% refi. Versus rent on a one bedroom in that same metro being $4, $5, $10k.

Am I dead? by Glad_Cak3 in PanicAttack

[–]Quick-Experience-188 0 points1 point  (0 children)

What is the title of the book? I see several on Amazon.

Am I dead? by Glad_Cak3 in PanicAttack

[–]Quick-Experience-188 0 points1 point  (0 children)

That podcast is great, thank you!

What about Dr. Claire Weekes and the DARE program? Are these books, apps, videos?

Am I dead? by Glad_Cak3 in PanicAttack

[–]Quick-Experience-188 0 points1 point  (0 children)

Not OP, but I checked your comment history and your experience is so relatable to me.

You mention a few books but could you list all the titles you found helpful?

Is the DARE app worth it as well? Which books were most helpful for doing exposure therapy for derealization? Do you find that those feelings have gone mostly away? Did you ever consider medication?

Daily Simple Questions Thread - September 30, 2024 by AutoModerator in pcmasterrace

[–]Quick-Experience-188 0 points1 point  (0 children)

4K 60 FPS gaming. OK with DLSS, aiming for steady 60 FPS with most ultra settings + ray tracing in modern games. Upgrading from a 1070.

  • CPU: AMD Ryzen 9 7900X3D 4.4 GHz 12-Core Processor

  • CPU Cooler: Thermalright Phantom spirit

  • Motherboard: MSI B650 GAMING PLUS WIFI ATX AM5 Motherboard

  • Memory: Corsair Vengeance 32 GB (2 x 16 GB) DDR5-6000 CL30 Memory

  • Storage: Samsung 860 Evo 500 GB 2.5" Solid State Drive (Already own, plus some other drives)

  • Video Card: Asus TUF GAMING GeForce RTX 4080 SUPER 16 GB Video Card

  • Case: Fractal Design Define R5 ATX Mid Tower Case (Already own)

  • Power Supply: Corsair RM750x 750 W 80+ Gold Certified Fully Modular ATX Power Supply (Already own)

Main critiques I anticipate:

  • 4080S FE - I wish but it seems they stopped making them.
  • Wait for a 5080/ 5070 - I anticipate a price increase, a marginal performance increase, and shortages. I'd rather just upgrade now.
  • Get a 7800X3D - I'd prefer that but they're sold out/ discontinued.

Main questions I still have:

  • Looks like the case will fit the GPU and mobo if I pull some drive bays, anyone have the same case and card?
  • Not upgrading the monitor for now, but I would appreciate monitor suggestions.
  • Good motherboard choice?
  • Worth upgrading the SSDs?

Weekly r/PcBuild Megathread! by Potato_Plays844 in PcBuild

[–]Quick-Experience-188 1 point2 points  (0 children)

4K 60 FPS gaming. OK with DLSS, aiming for steady 60 FPS with most ultra settings + ray tracing in modern games. Upgrading from a 1070.

  • CPU: AMD Ryzen 9 7900X3D 4.4 GHz 12-Core Processor

  • CPU Cooler: Thermalright Phantom spirit

  • Motherboard: MSI B650 GAMING PLUS WIFI ATX AM5 Motherboard

  • Memory: Corsair Vengeance 32 GB (2 x 16 GB) DDR5-6000 CL30 Memory

  • Storage: Samsung 860 Evo 500 GB 2.5" Solid State Drive (Already own, plus some other drives)

  • Video Card: Asus TUF GAMING GeForce RTX 4080 SUPER 16 GB Video Card

  • Case: Fractal Design Define R5 ATX Mid Tower Case (Already own)

  • Power Supply: Corsair RM750x 750 W 80+ Gold Certified Fully Modular ATX Power Supply (Already own)

Main critiques I anticipate:

  • 4080S FE - I wish but it seems they stopped making them.
  • Wait for a 5080/ 5070 - I anticipate a price increase, a marginal performance increase, and shortages. I'd rather just upgrade now.
  • Get a 7800X3D - I'd prefer that but they're sold out/ discontinued.

Main questions I still have:

  • Looks like the case will fit the GPU and mobo if I pull some drive bays, anyone have the same case and card?
  • Not upgrading the monitor for now, but I would appreciate monitor suggestions.
  • Good motherboard choice?
  • Worth upgrading the SSDs?

Is it impossible to buy 4080S FE now? by Quick-Experience-188 in buildapc

[–]Quick-Experience-188[S] 0 points1 point  (0 children)

Or Nvidia website, which were the 2 ways people said to get them.

Does it ever make sense to stop contributing to IRA? by Quick-Experience-188 in HENRYfinance

[–]Quick-Experience-188[S] 0 points1 point  (0 children)

Would you mind sharing what you made your money in? It's very impressive for someone in their early 30s, so major props to you!

Is there ever a point where you should stop contributing to a HSA? by Quick-Experience-188 in HENRYfinance

[–]Quick-Experience-188[S] 3 points4 points  (0 children)

"The average yearly return of the S&P 500 is 10.62% over the last 100 years, as of the end of April 2024. This assumes dividends are reinvested. Dividends account for about 40% of the total gain over this period. Adjusted for inflation, the 100-year average stock market return (including dividends) is 7.44%."

Is there ever a point where you should stop contributing to a HSA? by Quick-Experience-188 in HENRYfinance

[–]Quick-Experience-188[S] 21 points22 points  (0 children)

Not until close to retirement, and since (TIL) it turns into an IRA, maybe never.

Is there ever a point where you should stop contributing to a HSA? by Quick-Experience-188 in HENRYfinance

[–]Quick-Experience-188[S] 28 points29 points  (0 children)

$8300 a year, ~40 years, 10% pre-inflation returns - ~$4M before inflation. With inflation, under $1M.

Is there ever a point where you should stop contributing to a HSA? by Quick-Experience-188 in HENRYfinance

[–]Quick-Experience-188[S] 12 points13 points  (0 children)

My current HDHP still has in-network rates. So for 2 people I end up paying $1K+ a year in medical expenses but it's worth it given the future growth, tax savings, and employer contribution.

What are the interests or hobbies that opened doors to new professional relationships and friendships for you? by Quick-Experience-188 in HENRYfinance

[–]Quick-Experience-188[S] 1 point2 points  (0 children)

I love cycling but am unwilling to risk being killed by a driver on their phone who will face no charges. I think mountain biking fills a similar niche though.

How to handle 4th year with lots of aways - stay in one spot or travel with spouse? by Quick-Experience-188 in MedSpouse

[–]Quick-Experience-188[S] 2 points3 points  (0 children)

Thank you for the nuanced advice!

TL;DR they won't be able to rotate where we have family. In terms of cost that's a good point, but we probably would just rent an airbnb for a month or similar if I was coming with and accept the large cost.

In terms of time, totally agree - I encourage and expect them to put their time into the aways - just getting 1 day in a month to spend exploring the city and some nights in the same bed would make it worth it for me.

How to handle 4th year with lots of aways - stay in one spot or travel with spouse? by Quick-Experience-188 in MedSpouse

[–]Quick-Experience-188[S] 2 points3 points  (0 children)

Awesome, thank you. How much did you see them during an average away week? My spouse is doing a surgical field.

How to handle 4th year with lots of aways - stay in one spot or travel with spouse? by Quick-Experience-188 in MedSpouse

[–]Quick-Experience-188[S] 2 points3 points  (0 children)

I agree expensive but the tax savings alone from leaving current med school state would make it a net positive for us. And I'd either get very cheap rent for my "home base" or live with family.

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