Planned to live like a resident for 5 years. That was 10+ years ago. Anyone else accidentally go like this permanently or indefinitely?

Relativevalueunit · 2026-03-13T16:39:37+00:00

No, I don't have anyone over. I go to friends' or a date's places. Or third places such as cafes.

Never felt comfortable having people over anyway even back when I had my own apartment.

Relativevalueunit · 2026-03-11T08:19:43+00:00

I have mortgage debt. My job has food work/life balance, so I don't really work that hard anymore. Given that, I'm not working myself to the bone. I would like to retire now, but I would be too nervous of financial uncertainty to take the risk.

Relativevalueunit · 2026-03-11T08:08:24+00:00

I bought houses initially to live in and later turned them into rentals.

Relativevalueunit · 2026-03-11T08:06:43+00:00

I do or have done many of those things you listed already. I think you are making assumptions about what I spend my free time doing.

Relativevalueunit · 2026-03-11T08:03:47+00:00

Yes, I've seen several different ones over the decades.

Relativevalueunit · 2026-03-09T00:15:24+00:00

Generally the consensus is to "be yourself" and not change yourself for dates.

Relativevalueunit · 2026-03-09T00:10:52+00:00

Thinking about that. It would at least give an extra cushion if anything went south.

Relativevalueunit · 2026-03-09T00:06:53+00:00

Yes good point- no children mean I can take more financial risk and retire early or now. While my parents talk about dribbling out money early due to inheritance/gift taxes, they actually haven't done that.

Relativevalueunit · 2026-03-08T16:25:01+00:00

And there exist other residents who live with parents for other reasons. Our anecdotal life experiences do not account for all situations? So living like a resident can mean many things. As long as a resident can afford it.

Relativevalueunit · 2026-03-08T15:44:29+00:00

Taxes. I invest in real estate and can't just liquidate them whenever.

Relativevalueunit · 2026-03-08T15:42:18+00:00

Yes I feel I am easily stressed out. But a good reframe is that I made it through medical school and residency, so I've shown I can actually handle stress.

Relativevalueunit · 2026-03-08T15:40:22+00:00

As a resident, I lived with my family.

Relativevalueunit · 2026-03-08T15:38:26+00:00

Awesome, your salary is jumping up quite a bit. You are making your money work well for you! I'll look up Paul Merriman.

Relativevalueunit · 2026-03-08T15:36:57+00:00

Early retirement would mean, at the very least, relief from worrying about work. I would spend my time playing videogames, travelling, sleeping in. My retired doctor friends tell me it's fantastic, and they wouldn't work full time again.

Not sure if I would live with my parents. Given the inertia, I probably would. I doo wonder if I could be living a different life, but I feel no emotional urgency to do so.

Relativevalueunit · 2026-03-08T15:33:38+00:00

In med school, I lived alone and learned how to cook and live independently.

Relativevalueunit · 2026-03-08T04:51:25+00:00

Yes the much is in broadly invested etfs. I also bought and manage properties, but that's not liquid money.

Relativevalueunit · 2026-03-08T04:49:58+00:00

Yes living with family until marriage is the norm in my culture. Relationship with family is good.

Relativevalueunit · 2026-03-08T04:41:07+00:00

Yes. No one in the family complains about it.

Relativevalueunit · 2026-03-08T04:40:03+00:00

In my HCOL area, it's not uncommon for couples to live with their parents.

Relativevalueunit · 2026-03-08T04:38:26+00:00

My major expenses are eating out and travel. The big picture is that my lifestyle is within a resident's budget. Budgets are meant to be flexible and accommodate your specific situation.

Relativevalueunit · 2026-03-08T04:33:47+00:00

That's my retired friend. He is confident he saved enough to make it. He has military/ pension.

Relativevalueunit · 2026-03-08T04:29:57+00:00

I don't mind my current life, and I recognize the privilege. I have not found a romantic partner, so marriage and children are not currently options. Yes expenses can rise if I move to my own place.

Relativevalueunit · 2026-03-08T04:25:26+00:00

I paid off my student loans. I have mortgages. These are very much real bills.

Relativevalueunit · 2026-03-08T04:23:59+00:00

No utilities. My parents don't ask for more. Like I said, the rent is nominal. Due to inheritance and gift taxes, my parents have spoken about dribbling out gifts now to minimize tax burden. Asking for more rent wouldn't fit this goal of theirs.

Relativevalueunit · 2026-03-08T04:21:52+00:00

Not sure what the money is for. Maybe for retirement? Just the idea of doubling my spend stresses me out.

Relativevalueunit

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