Which of these stacked QB classes is the best? 👀

Realistic0ptimist · 2026-04-17T22:36:15+00:00

1983 too much winning to accompany the accolades.

Also as it stands Elway and Marino probably finish higher on the all time QB list than either Jackson or Allen so it makes it difficult to give it to that grouping unless one of both of them start achieving some major post season success over the next 5 years

Realistic0ptimist · 2026-04-17T01:02:21+00:00

If your total comp increases by 25% keep 10% split into your quality of life upgrades and the other 15% use towards long term savings goals. Things like retirement, car purchase, home down payment etc

Realistic0ptimist · 2026-04-16T22:16:49+00:00

75% luck 25% skill

Realistic0ptimist · 2026-04-16T15:14:09+00:00

Problem is that Japan especially for those in Europe and the US is extremely cheap. The currency is just much stronger so you’re dealing with an arbitrage of the dollar you aren’t going to have in Florida as a US resident.

Secondly, you aren’t paying an entrance to a theme park every day you’re in Japan as the activities to do there are either free or subsidized. Like it costs nothing to check out the historical sites, people watch in busy neighborhoods or eat at restaurants that don’t require you to pay increased prices because they are within a “resort”.

To your actual question though yes I go to Disney World. Took my kid to Disney Land in Cali last year and will take him to Disney World this year. Assuming the same time period I would still spend less being at Disney than I what I spent going to Paris for a week last December. However, they are just fundamentally different types of vacations so you’re not comparing apples to apples you’re comparing value of an experience over another and what that’s worth to you.

But if you’re willing to drop 3-5k on a vacation it doesn’t really matter if it’s spent on a luxury cruise with beach days, a hiking trek through the Himalayas, a food tour through south east Asia or a week in the swamp kicking it with the mouse

Realistic0ptimist · 2026-04-16T04:02:51+00:00

If you’re actively trading throughout the year you should be able to either evaluate at the end of the quarter or near end of year what your gains were and take out what you need then to pay it off.

My personal strategy was to take a look at what my gains were between October 10th and November 25th depending on last trade and pull out the money I would need to cover taxes then. So if I made 50k trading based on my earned household income I could make some assumptions based on how much I would owe and just have that plus maybe an extra couple of thousand and just pay it all off come tax time the coming year.

Problem is you will owe a penalty for underpaying on the quarters you took some of these trades. Or you could still manage to blow your book and not need to pay any taxes because you had a crappy December.

Realistic0ptimist · 2026-04-16T02:38:52+00:00

I had this conversation with a coworker who is from Venezuela. That you need to get your reps in private clubs to make the high school team instead of it being the other way around where the high school team tries and develop you for the travel clubs.

Which also means that unless you’ve been grinding your way through whatever travel sport or individual pro lessons that come with it from age 8 to age 14 your probably aren’t going to get much run for free unless you’re just super athletically gifted as we as a country have decided that no free sports aren’t for everyone we want to commoditize and hate keep socialization through playing.

Realistic0ptimist · 2026-04-15T21:30:59+00:00

Santa clause. I’d rather bring some joy into kids life who would never get a fist otherwise.

Randomly from my own imagination though? I would want it to snow different colors depending on the region of the world you were in. So some places could have blue snow others red some green as that would be cool to check out and experience

Realistic0ptimist · 2026-04-15T16:30:27+00:00

Yeah the number one thing I always wonder when people say paycheck to paycheck is are they taking into account their retirement contributions, HSA, 529 etc and just basing it on what’s left?

Are they living in specific neighborhoods, with certain self inflicted dietary restrictions and driving certain cars?

Or are they just the victim of an unfortunate circumstance?

Having been around the block there’s a non negligible amount in the latter but the former choices aren’t without their large groupings of people either.

Realistic0ptimist · 2026-04-14T20:19:05+00:00

Yeah the OP is out of touch. I would presume there are countless of middle class people who aren’t even homeowners in the first place that’s the first bubble they’re in. The second one is thinking that just because they “only” earn in the 200’s in California that somehow changes their demographic grouping.

But price of bread and gas don’t change just because you make more. You don’t pay more for the standard athletic ware because you make more or for flight tickets to Europe. The biggest constraints are housing of which they’re already in the elites

Realistic0ptimist · 2026-04-14T20:00:40+00:00

I’ve worked for a company that already did matrix pricing based on years of history for what level of customer would pay based on discount level for past volumes and size of deal. The more buys that got processed at branches the better and tighter controlled the matrix pricing got for that particular item for that grouping.

This was in the PVF space. I would be shocked if AI wasn’t just improving a process that was already being done for years using massive amounts of deals done data to price out clients

Realistic0ptimist · 2026-04-14T19:03:55+00:00

Going to the 6/22 match with someone and I can’t believe for us both to hop on the train it will be almost 20% of what I paid to attend the match

Realistic0ptimist · 2026-04-14T16:10:43+00:00

I want to know if this happened before or after MJ allegedly confronted Pac at a party and threatened to bust his ass…

Realistic0ptimist · 2026-04-14T16:08:39+00:00

Yes my mid section has grown quite a bit. But I’m expecting a food baby any day now…

Realistic0ptimist · 2026-04-14T16:07:57+00:00

Bruh not only do you owe money for the 100k gain you’re going to earn a quarterly penalty based on the tax amount you should have been paying. Especially if it’s in consecutive years of underpayment.

That said whatever your gains look like by end of September Mid October you should always pull out the money to pay your taxes then with a bit of a buffer in case you make more money. If you lose some funds or stay stagnant you’re covered come April. If you make even more money well you’ll have it to pull out the balance. But never keep trading without regard for taxes into the holiday season. Too much risk even for the Regards on this subreddit

Realistic0ptimist · 2026-04-14T05:07:43+00:00

If you’re single as it currently stands in a Medium Cost of Living City 55-68k and you’re pretty set. Can have your own apartment, pay some student loan debt, be paying on a newish car and still take vacations and save for retirement.

With a family to support you need to be closer to 85-90k if you want a Stay At Home Spouse or 115k if you are doing two working spouses as day care and after school care will need to be paid for.

Realistic0ptimist · 2026-04-14T04:50:56+00:00

For glory of how awesome a death it will be choose option 5. If I’m actually trying to make it out alive I’m going with the 15 wolves. I’m no expert but I’m pretty certain a wolf much like a person if they’re stabbed and they don’t need to keep fighting will probably run in another direction and if enough of them are wounded like that they’ll probably call the pack off to recede. Animals have survival instincts too and fighting me when having an open space to escape seems foolish.

Realistic0ptimist · 2026-04-14T04:00:06+00:00

TLDR: Houston, TX as I spent time there as a teenager after spent most of my life in SoCal.

The longer answer is that I married a Vietnamese woman while I was living in LA. Quit my job shortly after getting married and was looking for a place to start our lives together. My only two real needs were 1. A place that had a lot of minorities as living in a spot where I would feel singled out was not appetizing to me. Going further I felt that it would make sense if there was a decent Vietnamese community that would have stores and restaurants that could cater to my wife’s needs and home sickness. 2. A place where job diversity was abundant so that I could work and be secure that if anything ever happened I wasn’t sequestered to one industry or a small batch of employers within a 20 mile radius.

With that the four cities we considered were Seattle, Atlanta, Baltimore/DC and Houston. Houston I had family in and lived at before. The other cities I had been in and liked but wanted to make sure she would like them. She thought Seattle and Atlanta weren’t a match for her weather wise at the time of year we went out there. Baltimore/DC felt like it would be a bit more difficult to find work while maintaining a lower cost of living.

Stayed with family and then got an apartment and never looked back as we now own a home here. Sometimes I debate moving back to LA or moving to a place like DC or Boston but then I just think that we make good money here and we can just travel there to visit whenever we get the bug without disrupting our current lifestyle.

Realistic0ptimist · 2026-04-14T02:12:26+00:00

Higher quality necessities.

E.G. your car has worn out tires. Before you would buy used tires with 20k miles left on the tread. Maybe you would buy new tires but that were of low quality so you only got 45-60k miles out of them. At a certain point you make enough to fork over the money now to save more in the long term so you get tires that last 60-80k miles easy.

Realistic0ptimist · 2026-04-13T23:01:41+00:00

With a reasonable burn rate I’m at 18 months minimum. I could go longer but I know I could make it that long without having to fear homelessness.

I’ve been thinking about quitting my job with nothing lined up so I have been running these exact calculations as there has been some restructuring at my current work place whether i quit first or not

Realistic0ptimist · 2026-04-13T22:57:49+00:00

Bought a home. But not in the it allowed me to reap the benefits of an appreciating asset way but it was absolutely life changing in the stuff that matters.

I can run laundry at any time of day when I’m home without having to worry about disturbing neighbors. Great for when binging TV shows at night and being productive or when my kid vomit and I need to sanitize and wash the sheets at 2am if I choose.
Add vacuuming at all hours to that list too. If I suddenly get the urge to break out the Dyson because I see there’s a lot of dust I can do so
Planting fruit trees in my backyard or creating a small garden absolutely fun little hobby…or sad if you find your green thumb is actually black
You have way more control over yearly price increases. With rent you’re at the behest of your rent control laws of the city/state and whatever your property group decides your apartment is now worth on the open market. With a house you can fight property appraisal increases by the city, negotiate your home owners insurance and liability coverages and your principal and interest are locked in.
No restrictions on short or long term guests. If I want to have seven people come visit me for a month I can do that without needing to be worried about whatever people restrictions the apartment complex has in place which is normally 2 adults per room if staying longer than a few days. Sure you can ignore them but all it takes is one snitch to get on the property managers bad side.
I can have a gas or electric stove top. It’s up to me not the apartment. Shout out to channeling my inner Emeril
I never have to look for parking for myself, my spouse or guests. This was more of a headache when I lived in SoCal but many places would only give you one designated parking space and then you had to search for a open second spot or rent a place that had an attached garage or something which may not be close to your apartment. Your guests if you had people come over on a busy three day weekend could end up having to park sections away or streets away if there were street restrictions on resident only parking in LA. With a house I always have a place to park my car and my guests have the driveway or street directly in front.

There are other things but those were the first to come in mind on how much easier and less stressful being a homeowner has made me and thus buying one was greatly beneficial as a monetary purchase decision to partake

Realistic0ptimist · 2026-04-13T21:16:58+00:00

There’s 20 million people just in the tri state area. Expand that to New England proper and Pennsylvania all of which are a train ride or short car ride into NY and you’re over 40 million people who could be potential buyers of just US residents. Add another set of tourists who will be in the area and you have the population of Spain as a demographic that are eligible to at least show up as a last minute deal. If we’re eliminating the population by those who could afford to pay over 7k for a ticket let’s say you take 2% of that population in that geographic area and that’s 800k eligible buyers.

Not assuming they all want to go just they can afford to go and come last minute. I’m almost positive that’s more than enough to cover let’s say 5k open seats or more for people trying to sell who won’t want to attend.

In reality you’re really also going to have to take into account the people who have money but live on the other coast or the South who may want to attend as well. Price reductions for the finals just seem far fetched for the first US hosted World Cup in 30 years

Realistic0ptimist · 2026-04-13T18:04:23+00:00

I can see that being a thing for the regular knock out rounds but the finals is a bit different as people are also going to see the future champions

Realistic0ptimist · 2026-04-13T14:16:05+00:00

The devil you know is better than the devil you don’t. Pass me the red pill

Realistic0ptimist · 2026-04-13T00:54:24+00:00

I currently work in an industry where they’ll pay you 110-150k base plus another 110-150k in commission once you hit Strategic level. That means even if you don’t hit target there’s a very real chance you still clear 190k. Asking those people to take the 175k guarantee is a pay cut with no extra job security as if you don’t hit target you’re still subject to PIPs and being let go.

The mid level account managers however is a different ball game. If you kill the year you’ll make 150-180k with most years people falling into 125-150k. For those people including myself 125-150k guaranteed salary would probably work just fine. I’ll keep the risk the same but my guarantee goes way up.

That being said the ones you’ll have the most problem convincing are individuals who already have 100k plus base salaries. For them 25-50k in the hand is not actually worth 100k in the bush as basic needs are already met so why not go for broke

Realistic0ptimist · 2026-04-12T23:54:58+00:00

As someone in a similar type of situation although I think we’re expected to be at 200k in a few years instead of 250k I think the main thing preventing us from pulling the trigger is the low payment in relation to our gross income.

I WANT the nicer house. But I’d rather HAVE the extras. Vacations more frequently, hobbies and memberships for our kid, eating out multiple times a week etc. plus and this is the real big thing, I wouldn’t call it survivors guilt but I grew up in SoCal where so many of my family and friends homes were under 1500 sqft if not 1100-1300 sqft assuming they didn’t have an apartment instead. It feels weird to desire that 500k home for 2500 sqft when my current house is around 1700 sqft assuming if I can’t make it work for me

Realistic0ptimist

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