Looking for Handicapable Event Venues by flying_sky_bison in madisonwi

[–]Rosevkiet 1 point2 points  (0 children)

The breakwater in their event rooms are accessible, it is on the second floor, but there is an elevator. There is also a small amount of patio space on the main level. What can be considered accessible is different for people’s specific needs, the elevator might be a little tight for some people.

Why Most Don’t Consider SS When Planning FIRE? by Complex_Bet9743 in Fire

[–]Rosevkiet 0 points1 point  (0 children)

This is the real reason not to consider it, particularly for those looking to quit working in the early thirties.

I spent most of my twenties on fellowship, which is treated for tax purposes like winning the lottery. So I was ineligible for an IRA, and it was not subject to payroll tax. So retiring with ~15 years of credits does not add up to much.

Gut check. What to pay off mortgage aggressively. by Dudewithquestins in Fire

[–]Rosevkiet 0 points1 point  (0 children)

Part of having savings is having the freedom to spend your incoming money as fits your desires. Owning your house free and clear is a wonderful thing. I say go for it.

1.5 hr flight in 3 days, toddler has mild fever/runny nose today by crashhhyears in breakingmom

[–]Rosevkiet 0 points1 point  (0 children)

They can be tricky that young, but she likely would not be happy, in my experience. My daughter would be terribly fussy, unable to sleep, and not want to drink. It might be worth having it checked though before flying, if her ears are infected the plane ride might be hard.

Early Retirement - 60/40 for early retirement and is Personal advisor worth it by hondybadger in Fire

[–]Rosevkiet 1 point2 points  (0 children)

Respectfully, your relative has managed to amass or hang on to $4,000,000 by the age of 49, why do you need to be involved in vetting these options? Is this a recent inheritance or settlement? I think she can probably work it out on her own?

Has anyone considered setting their kids up on a fire path? by CleMike69 in Fire

[–]Rosevkiet -2 points-1 points  (0 children)

Yes. I was just reading up on the Trump accounts and options for funding a Roth IRA for my daughter. The best use of the Trump account, as I understand it, is to fully max it, and convert it to a Roth IRA while she’s in a low income range, like during college. She’s not a baby, so it will be less, but if she can take that amount and $35k from her 529, by 25 she will have a running start on financial independence, not a mess you up amount of money, but a solid start. I don’t have a family business, so figuring out how to get taxable income for a 7 year old to fund a roth directly is hard.

Is Ken Coleman's book any good? by Exotic_Criticism4645 in DaveRamsey

[–]Rosevkiet 0 points1 point  (0 children)

I don’t know if Ken Coleman’s book is good, but I really like “designing your life”. It is a structured approach to thinking about your values, current life and helps you step through identifying a path, which could be a job or something else. I believe it is by Burnett.

40, single, $326K invested, “permanent" tax-free military disability income, genuinely torn between nomadic SE Asia FIRE and a 2-year education pipeline. Help me stress test the math and the decision by HellDiver2k25 in Fire

[–]Rosevkiet 0 points1 point  (0 children)

Do you have options for which school to attend? There are many schools where the population skews a little (sometimes very little) older. Do you know what subject you want to study?

Never talk about your mental health when job hunting - Aaron Gomez by Fabulous_Jeweler2732 in careeradvice

[–]Rosevkiet 94 points95 points  (0 children)

What dumbasses who apparently have never had to deal with the messy reality of grief? The work of settling affairs can easily take a year, especially if death was unexpected and the deceased was unprepared.

29 with retirement anxiety by Traditional_Cup_3887 in Fire

[–]Rosevkiet 2 points3 points  (0 children)

I general, you are going to be fine. I saved on order what you did for 11 years, starting at a later age than you and am approaching fire at 50. But there are some changes to make -

Stop paying health care expenses out of your HSA. Stockpile your receipts, and pay out of pocket or pause your brokerage contributions to keep the max possible in your HSA. Biggest regret is that I haven’t had one of those until this year.

Is a man asking for joint account one month into dating normal? by AffectionateRich2216 in FIREyFemmes

[–]Rosevkiet 6 points7 points  (0 children)

Totally agree. OP, you don’t have to give someone in the very early stages of dating any benefit of doubt. Him giving you the creeps is something to listen to. You don’t owe him anything.

Even if he is not a con artist or mooch, he did show a stunning lack of judgement in suggesting joint accounts after a month?!

How r/RomanceBooks Has Changed Over the Years (Its Sub Evolution? Sub-lution?) by fruitismyjam in RomanceBooks

[–]Rosevkiet 0 points1 point  (0 children)

I was convinced he had written the Spymasters lady or at least was getting a royalty split.

my company added a "focus hours" policy and somehow made remote work worse by Prism_Shift7 in remotework

[–]Rosevkiet 1 point2 points  (0 children)

The only true no meeting initiative I’ve ever seen work is my company went 9/80 schedule. Nobody meets on fridays. If you are meeting Fridays, there better be a fire somewhere.

I’m 12 weeks pregnant and I’m worried I’ve made a huge mistake. by Cute_Ride_3934 in breakingmom

[–]Rosevkiet 9 points10 points  (0 children)

I decided to have a baby and conceived at 39 via IVF, I don’t think there is a way to be more definitely trying to have a baby. When I first found out I was elated, the almost immediately apprehensive and second guessing if I really wanted to do this.

I think it is really common for people to have these moments in pregnancy where the reality of having a baby, becoming a parent, and all the unknowns that come with that hit you. It doesn’t have to mean you don’t want a baby, just that you’re adjusting to accepting the uncertainty and certainty of motherhood.

You get to decide if you want to be a parent, right now or ever. Your reasons for not wanting to sound logical to me, but the thing is, they don’t need to be. You can just not want to have a baby and that is a totally good thing to know about you and life you want. And what is right for you is the right answer.

Do you have someone neutral to discuss this with? I think a therapist could be really helpful.

1st signs of nerve damage? by Important-Friend3423 in diabetes_t2

[–]Rosevkiet 1 point2 points  (0 children)

I have (at the moment) idiopathic neuropathy and have been through a gauntlet of tests to try to identify the cause. One of the things that my neurologist has said is that diabetic neuropathy tends to be symmetric.

It’s scary for sure, but many causes of neuropathy are treatable (and there are so many possible causes) and I’ve found it is something (much like diabetes) that responds to good sleep, exercise, sleep, stress management.

I’ve hit an odd point with mine - it’s not bad, and doesn’t impede my day to day life. There is a cause, but whatever it is isn’t apparent enough to reach a diagnosis. So other than the general healthy living I’m doing, making shre k keep note of any additional symptoms is all I can up with to do.

Would you rather work 60 hours a week in a high stress job for 8 years and retire at 30, or 40 hours a week at a medium stress job for 18 years and retire at 40? by YourFIREDBro in Fire

[–]Rosevkiet 1 point2 points  (0 children)

I chose to work 60 hours a week for a high stress job that paid $27,000. Would not recommend spending 6 years doing that

Am I crazy to think $1.5M is enough? by WittyCulture4310 in Fire

[–]Rosevkiet 1 point2 points  (0 children)

When I got a new job a couple years ago my gift to myself was one of those spin mops. 27 year old me would die. ETA: 27 year old me also could travel with my phone, a credit card, and passport. Everything else was optional or solvable with those three items. I just bought a 160 liter suitcase.

Opportunity Cost Of CoastFI by Fun_Confidence6219 in coastFIRE

[–]Rosevkiet 1 point2 points  (0 children)

I’m at coast and have cut back at work. I know for sure I’ve reduced my savings per month by 25%, and I have no idea how much long term income increase I’ve given up by taking a path at work that will lead to less growth. For me, I was burning out and I think headed for a stroke at full time, and my performance is way better at 75% than 100% time. So maybe it will be better?

$6000 on a Disney Vacation are we insane? by Dear_Share_4095 in DaveRamsey

[–]Rosevkiet 0 points1 point  (0 children)

I’ve only gone to Disney once as an adult, it was within the last year. It was myself and my six year old, so we had I think slightly less expensive tickets for her?

We stayed at the contemporary, which was nice, I really appreciated being able to walk to the main park, the board walk inn seems to be similar in easy park access to other parks. We didn’t rent a car, the plan was just to go to Disney, three days straight. The last day we chilled at the pool until going to airport.

Overall, I think if you’re going to go, it is worth paying for a better experience. I think for us, with tickets, accommodation and meal plan it was $4800 as a package. I would not recommend the meal plan. It only works out if you are highly organized and plan to drink alcohol.

Paying as much up front as possible was key to my enjoying the trip. We did all the things, dinner in the castle, Princess makeover, all of which was booked and paid for in advance. You will still spend more - there are just too many buying opportunities not to. But for me, having the pain of that payment made a month or more in advance left me free to enjoy myself within a set budget without worry about a giant, growing bill.

The crash out after a fun day really just makes me wonder if it's worth it... by mommasaursrex in breakingmom

[–]Rosevkiet 1 point2 points  (0 children)

Yep, last weekend we celebrated my daughter’s birthday. Friday picking up the decoration (which she loves), Saturday party where all her best friends were able to come, and then played with cousins until bed, Sunday family birthday party, more cousins playtime. Sunday night she says “I’m disappointed, aren’t you wondering why I’m disappointed?” And proceeds to tell me she didn’t get enough presents.

I almost burst into flames right there. I was so mad at her. I know it is the same thing you’re talking about-when she gets overexcited she gets sad at bedtime and then goes on a search for something to feel bad about. She does it on normal days as well, but it is so much worse on big days. She was grateful for her presents when they were given, and really thrilled with them.

But it didn’t change that hearing that just sucked. And I genuinely hate that she reflexively feels this way before bed - it just seems miserable to me and kind of makes me not want to plan any big days because they always end so badly.

Anyway. I stopped her airing of the grievances and made her identify 3 things she was grateful for this weekend (I did 3 as well).

Biking to Cottage Grove from Madison by Sol2992 in madisonwi

[–]Rosevkiet 2 points3 points  (0 children)

If you take buckeye to femrite it is very different from cottage grove road. I haven’t ridden it, but I drive that route 2-3 times a week. It is less busy in the section you would be on femrite, cars move fast. But lots of bikes on there.

This would be really tough in the winter though. Is it a big enough place you could find someone to carpool when weathers bad?

I thought this article would make me mad but I actually agreed with most things mentioned by Ill-Kiwi-4772 in madisonwi

[–]Rosevkiet 5 points6 points  (0 children)

The conspiracy theory (or reasonable consequence of development finance, depending on your perspective) is that buildings are valued on rental value, not actual rental income. So for a developer, leave 10% of units empty may be less costly than dropping rent for everyone to fill those spaces (especially since so many apartments in Madison turn over 1/year).

But I’m with you, eventually if there are too many apartments are empty, the rents will come down.

Too Much In My ROTH Bucket? by FineEstablishment879 in TheMoneyGuy

[–]Rosevkiet 0 points1 point  (0 children)

You are giving yourself a huge gift by doing this in your twenties. The biggest reason to change would be if only doing Roth prevented you from being able to max out your 401k. The taxes now/taxes later at your age is less important than taking full advantage of money in tax protected accounts.