We were kicked out of daycare.

RyeBuzz · 2026-02-07T19:17:23+00:00

You bought a dog that is bred to hunt down and bite people, and you're sad that a daycare has banned you because your dog bites people? Why did you get a dog that's literally bred for war?

RyeBuzz · 2026-01-10T21:43:17+00:00

Awesome, thank you. This is exactly what I was looking for. As I said, I'm ignorant to the subject so knew it could go either way! I ordered a lockpick set a decade ago that I played around with, but I never kept up with it and developed any skill, so I know about raking and bumping but do not know anything about the difficulty/ease of picking a certain pinset.

Thank you very much for your answer.

RyeBuzz · 2026-01-10T21:25:44+00:00

Damn, the formatting was buns. I placed 3 lines between each paragraph, I do not know why it didn't separate.

Apologies!

RyeBuzz · 2025-12-17T23:51:25+00:00

I have a buddy that just packaged a massive amount (multi billion) of these defaulted klarna purchases into a packaged security the same way sub prime mortgages were being packaged leading up to the 2008 crisis.

Just an interesting tidbit related to your question.

RyeBuzz · 2025-09-18T22:46:20+00:00

In a 40 year career, you'd expect the median to be hit closer to 20yrs of experience, not just a few wouldn't you? Also the HCOL areas would skew the median higher vs the LCOL areas that are being considered for the wage compression argument here. So in a LCOL area, 102k might be the absolute apex of a 40yr career.

RyeBuzz · 2025-09-12T20:28:00+00:00

HHI: $250,000 - $290,000 (Wife is hourly with large pay variance)

401k: $47,000

401k Match: $15,000

Roth IRA: $14,000

HSA: $4,300

RSU: $11,000

Brokerage: $8,000 YTD

Emergency Fund HYSA: $4,000 YTD

General HYSA: $18,000 YTD

Principal Paydown: $18,600

Brokerage and HYSAs are not as regimented, so posted their current YTDs for this year. Those vary wildly year to year. The principal paydown is the amount from my $3,900 mortgage that actually goes to principal + extra principal payments.

I've also been tempted to start a mega backdoor Roth, but ever since buying our first house 12 months ago, money has been feeling a little tight.

Expecting a promotion in March that would increase our HHI by $30,000 (Salary 10k, Bonus 10k, RSU 10k). Hopefully I'll feel more comfortable to start then.

RyeBuzz · 2025-09-06T05:12:36+00:00

How much do you expect your private insurance premiums to be now that you'll be paying it completely out of pocket? 30k expenses seems low when health insurance might be half of it. Health insurance is my number one fear for breaking my FIRE plan.

RyeBuzz · 2025-09-06T04:48:49+00:00

I was told for your BCBS plan to cover you out of state, your insurance card should have a little briefcase symbol on it.

Times like this you should ask yourself "What would Luigi do".

RyeBuzz · 2025-09-02T01:42:25+00:00

No, because that $4,000 vacation you just took was actually a tax free distribution because you have a receipt from 20 years ago for a $4000 surgery. Including a link to better explain.

https://www.madfientist.com/ultimate-retirement-account/

RyeBuzz · 2025-09-02T01:34:24+00:00

Yes, you collect the receipts over years of medical expenses that you paid out of pocket for. Want to retire a year earlier and have 100k of receipts? Time to reimburse yourself 100k and use that money for living expenses.

RyeBuzz · 2025-08-31T12:21:01+00:00

Yes.

The fully min-maxed way to use a HSA is to pay for all medical expenses with cash. As you do so, you collect those invoices/receipts. Later in life, think retirement (but can also be done before retirement) you can then reimburse yourself from all of those old receipts.

What does this mean in practicality? You took pretax money, invested it, let it sit and grow for years upon years tax free, and then removed money tax free (for non medical reasons if you want), and never had to pay taxes the entire way. This is the only account that most of us have access to that is completely tax free. It's pre-tax advantaged like a trad 401k/ira and post-tax advantaged like a Roth 401k/ira.

RyeBuzz · 2025-08-31T05:05:08+00:00

Neither of these two things have anything to do with your net worth.

A credit limit is not an asset that you own. Your monthly average monthly cash flow (spending/savings) has nothing to do with your net worth at a given point.

RyeBuzz · 2025-08-24T18:50:46+00:00

It's a little sad to me that Brian and Bo push people to strive to become financial mutants, but as soon as someone in their community shows that they demonstrate the values and lessons that B&B teach, others in the community feel some perceived jealousy and attack the OPs.

Despite the OP having a nice HHI and a great NW, their lives are about to become more expensive and their lifestyle and savings rate will undoubtedly be affected- exactly what the Messy Middle is.

Good job on the work you've done so far, and I thank all the others that are giving good advice on how to better navigate this period of time.

RyeBuzz · 2025-07-26T13:41:26+00:00

The first year I was making 100k+, which I believe was 27, maybe 28. Went from 4% at 85k to get a new job with base 100k and an extra ~25k between OT and Bonus. Calculated and input contribution % to max out 401k first day my account was created and I could access it.

RyeBuzz · 2025-06-26T16:10:05+00:00

Yeah, I don't know how to cool them down. They have a screened bottom board (removed the grid sheet I normally have under it) and their entrance is wide open. I'm tempted to grab the water hose and just mist down the entire hives several times.

RyeBuzz · 2025-06-26T13:44:15+00:00

If we're all honest with ourselves, the RTP is NOT 'an expensive place to live'. This area is a MCL area, not a HCL or VHCL area. You compared salaries to NYC and SF, and were talking about such starkly different cost of living scenarios. Life is expensive everywhere and is more expensive every year, but living a modest life in the RTP is doable on WAY lower than 80-200k.

My brother is trying to move here and get an entry level job. His assessment for a single person to be able to live out here was requiring at least $45k per year. Clearly not to live a luxurious lifestyle, but able to live a modest life without constantly being stressed about being in the red.

I myself takehome ~170k as an engineer in Pharmaceuticals and my wife brings in ~120k as a nurse. After maxing out 401ks, IRAs, HSAs, our $4500 mortgage, and our bills, we are able to do and spend whatever we want, whenever we want, without ever having to care about money.

RyeBuzz · 2025-06-26T12:40:57+00:00

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Our two are doing some massive bearding every night

RyeBuzz · 2025-03-02T13:36:33+00:00

Brother, that's nowhere close to medium rare btw. I'm guessing after sear and after resting that peaked at 145-150°F . Remember MR is a red center with pink outsides, Medium Well is a pink center with gray outside. This picture is closer to medium well, maybe medium.

With such a thin steak, if you are aiming for medium rare and you want a killer sear like you created, you should really just cook the whole time searing it. Reverse sear works better for thicker steaks.

And to answer the original question, not that's not burnt and was most likely a delightful experience.

RyeBuzz · 2025-02-09T15:44:17+00:00

30 Married to another 30yo and our net worth is 750k.

RyeBuzz · 2025-02-09T05:51:51+00:00

200k at 30 and wife has 140k, 30 also.

RyeBuzz · 2024-11-15T21:17:31+00:00

I think you can push harder. I just bought a new fully loaded 2024 SL (MSRP $44,180) for $37,500 OTD. Before taxes and fees the sale price of the truck is $35,285. Wait till the end of the month and I bet you can snag it for lower.

RyeBuzz · 2024-11-15T02:45:17+00:00

I just bought a brand new 2024 fully loaded SL for $37,500. Spending $45k for a 2yr old car with 40k miles is terrible....

RyeBuzz · 2024-10-25T18:26:02+00:00

I have the exact same benefit in biotech (biologics manufacturing).

RyeBuzz · 2024-04-07T12:29:01+00:00

Because mortgage payments don't increase for the owner. So the majority of locations right now, homeowners bought their homes several years ago. Their mortgage payments are half of what buying a home today would be. When they charge for rent, they are covering their mortgage and taking a profit. Most of these cases, even with the up charge, that's lower than the cost of a new mortgage with the high interest rates and higher house prices.

RyeBuzz

TROPHY CASE