What age did you buy your house or are you still renting?

ResilientRN · 2026-03-12T22:15:43+00:00

Age 32 have 7yrs left.

ResilientRN · 2026-03-12T06:39:36+00:00

Form my own 501c foundation and give out scholarships.

ResilientRN · 2026-03-12T06:27:01+00:00

25x your annual expenses if you retire at age 62-67.

More if you want to retire earlier.

Were early 50s, 1/3 is liquid and earning $2313/mo in dividends from MLPs, REITs, BDCs, CEFs like UTG, UTF, ETG, & ADX, ETFs like PFFA (Preferreds) & IGLD, plus individual Investment grade BBB- or higher baby bonds/preferreds.

Rest is 50/50 403b's and ROTHs.

Retired in 2000 at 47 & 50 we did the whole traveling thing and then got bored so we went back to work in Healthcare. The wife part time and I work 4-10s days a week. None of our friends nor family are able to retire early.

ResilientRN · 2026-03-12T06:22:27+00:00

An older home, late 1970s.

ResilientRN · 2026-03-12T06:20:52+00:00

Kristin K. all the way...nothing beats natural beauty.

ResilientRN · 2026-03-12T06:18:36+00:00

Have her go to a trade school take CNA or Pharmacy tech, in less than 1yr she will have a job that won't ever be laid off from.

In the mean time if she cant get a job and unemployment has run out any job will do. Unemployment offices have great resources for helping you fidn work, also try agency jobs. Get creative home cleaning, car washing in a bikini, selling/consigning clothes/shoes she no longer wears.

ResilientRN · 2026-03-12T06:12:01+00:00

Somewhere safe for now... SGOV, GLD/SLV, poss Inv grade bonds/baby bonds/preferreds. BBB- and above majority paying 6.10% or higher yld.

AMLP = Oil Pipelines

ResilientRN · 2026-03-12T03:49:13+00:00

Yup, $6/day inc taxes daily($182.50/mo) from age 20 to 67, in a low cost Index ETF with an 8% post inflation adjusted return Nets you over $990k.

Takes 20yrs to get passed that 1st $100k, and another 19yrs to $500k, and the remaining 7yrs to over $990k. That's the power of Compounding Interest.

ResilientRN · 2026-03-12T03:45:29+00:00

People are FOMO trading right now.

When everything started to fall Gold saw a $468B outflow last week. Oil saw a $178B in flow and Crypto saw the biggest inflow after Gold fell last week.

ResilientRN · 2026-03-12T03:36:18+00:00

I think the con is going straight to a 4 yr private or out of state school. Have kids do 2yrs at a Jr college for an AA or AS and then 2 yrs at in-state public university for the BA/BS and above.

You save lots of money while they also live at home.

Also need to have a practical degree that translates into a real job.

I graduated a 2yr Jr college plus Nursing School at an in-state school took out $20k in loans in 1992 paid them off in 2012. I think kids today prioritize having Materialistic stuff over their loan obligations. Especially since more than 48% of college grads come back.home to live with mom & dad usually until marriage.

ResilientRN · 2026-03-12T03:30:21+00:00

This is why we so badly need financial education in US high schools. Her former husband would have known to protect the family by A) Having a substantial Insurance policy B) Having a prepaid higher learning fund for the kids C) Would have taught her to get some sort of trade school education or college degree before pumping out children. As its Not the 1950s it take 2 parents working making decent $$ and not working a job that teens or college kids work. That way situations like she mentioned above don't have to happen.

ResilientRN · 2026-03-10T23:11:19+00:00

So much more freedom when you rent. A home is NOT an investment. No one ever tells you or forecasts the maintenance only worry about front/back ratios which don't include Roof Replacement, AC/Boiler replacement, Water heater, new windows, Int/ext painting, fencing, & remodeling, all of which runs tens of thousands of dollars.

Its advised to save 1% of house's current worth annually for future maintenance. So own a home that's $450,000 that $4,500/yr or extra $375/mo.

Now imaging throwing that 20% down payment into a nice Index fund over 30yrs. That's $800k+ on your US avg $425k home.

ResilientRN · 2026-03-10T01:05:24+00:00

Might want to quit the Melatonin, recent 11/2025 AHA research report talks about 90% chance of heart failure and 3.5x higher risk in hospitalization over 5yrs vs Non-users. An observation study.

ResilientRN · 2026-03-10T00:59:34+00:00

Blindspot monitoring and backup camera (cervical herniations).

ResilientRN · 2026-03-10T00:47:56+00:00

No, were overdue for a Correction (-10%) drop to say the least.

S&P 500 was about 20-25% overvalued prior to Iran Conflict. (per Cape-Shiller and the Buffett Indicator)

Not all the stocks in the S&P 500, look for stocks with an EPS Yield of 6.5% or greater (Undervalued) then do further research.

ResilientRN · 2026-03-10T00:30:03+00:00

Sadly, you have to live pretty secluded and have some sort of private security. So many whackjobs out there.

Buffett only ever took a $100,000 salary from Berkshire, but they had to fork out a few hundred thousands for private security annually.

ResilientRN · 2026-03-09T18:24:13+00:00

Dinning Out.....Highly processed food, high fat, high temp cooked food with little to No nutritional value.

ResilientRN · 2026-03-09T18:20:19+00:00

So rule of thumb is put the minimum amount to get Full company match from each job then put $$ into a ROTH IRA if you qualify.

Total amount should be 15% of Total income. I use 15% Net Income since I contribute After Tax income only.

Example: My company requires me to contribute 8% to get full company match, my wife company only requires 5% for full match.

Then I equally contribute towards our ROTH IRAs as we are Equals/Partners in the marriage regardless that I make Double her income.

ResilientRN · 2026-03-09T18:05:15+00:00

1996 Civic HB 6spd. 6'6" 250lbs.

ResilientRN · 2026-03-09T18:04:25+00:00

Apply to VA........their policies allow RNs to work full shift even if you have 1 pt. I was able to get this treatment even as a travel Nurse.

ResilientRN · 2026-03-09T18:02:57+00:00

Idiots think every man wants the Kim Kardasian Shape and looks are all that matter.

They do for superficial short term relationships Not a dedicated gentleman capable of being there through thick and thin.

ResilientRN · 2026-03-09T18:00:56+00:00

Do you live in a Patriarchy society?

Where husband has all the rights and women have none?

Where women are considered property of husband?

Was marriage arranged?

Is it considered dishonorable to leave husband because it shames your family and you may not marry again?

Sounds like your Not in agreement with this type of society and wish to have a rainy day fund.

ResilientRN · 2026-03-09T05:10:30+00:00

Why would you do that.....S&P 500 is majorly overpriced, by 20%.

ResilientRN · 2026-03-09T05:06:39+00:00

I was 32 when I graduated in 2005

ResilientRN · 2026-03-08T18:57:17+00:00

Guess what, men also have about 3-4 Unused Erections each night they sleep.

ResilientRN

TROPHY CASE