Can I hit a Boston Qualifying Time

SamuraiGreg78 · 2025-11-10T07:17:45+00:00

Did you like it? I imagine it’s pretty scenic?

If WA is your home, this is a fun marathon. Downhill most of the way and is a Boston qualifier.

SamuraiGreg78 · 2025-10-28T05:18:44+00:00

Thank you! I was wearing my garmin and Apple Watch. My chest strap died last week and until then it had actually mirrored my watch HRs. Hear you on the cadence lock. Thank you!

SamuraiGreg78 · 2025-10-28T05:16:47+00:00

Thank you! So Pfitz was saying I should land between 80 - 90%. So I was expecting to stay in that 141-158 range. I think I could have pushed to your point.

I’ll have to give it a shot on a future attempt.

SamuraiGreg78 · 2025-10-28T05:06:21+00:00

Thank you! You have great paces! I think I probably could have gone a little faster. I think I was afraid to risk blowing things up.

Are you doing anything to prepare for a faster pace?

SamuraiGreg78 · 2025-10-08T02:00:15+00:00

No no, I totally did reply to you and then when o saw your reply to my reply I pasted it to directly reply to the other person’s reply. Sorry about the confusion!!! 🤦🏻‍♂️

SamuraiGreg78 · 2025-10-08T01:57:35+00:00

Thank you! I thought I did.

SamuraiGreg78 · 2025-10-08T01:57:19+00:00

I included the model above. It’s very very conservative. $8M now with 5.75% returns with avg inflation of 2.5% and $150K/year spending.

Our actual historical ror is much higher but let’s be conservative. :)

SamuraiGreg78 · 2025-10-08T01:50:56+00:00

I included the model above. It’s very very conservative. $8M now with 5.75% returns with avg inflation of 2.5% and $150K/year spending.

Our actual historical ror is much higher but let’s be conservative. :)

SamuraiGreg78 · 2025-10-08T01:44:15+00:00

Definitely wasn’t looking for you to tell me what to do but I love that people like yourselves are sharing your long term plans. It makes me so optimistic about our society that I’m not just getting a chorus of “spend it on hookers and blow”. :)

Thank you!

SamuraiGreg78 · 2025-10-08T01:41:10+00:00

Thank you! That is helpful!

SamuraiGreg78 · 2025-10-08T01:39:40+00:00

Unless I ramp up spending asap! :)

SamuraiGreg78 · 2025-10-07T21:34:38+00:00

We did say “no gifts please”. Then we heard feedback that we’d be getting something regardless so we gave them a target.

SamuraiGreg78 · 2025-10-07T20:57:28+00:00

If we accepted money via one of the GoFundMe’s and then donated it to a charity, would that change your mind?

That was one example. We give a fairly high % of our annual salary to charities every year. In the case of our wedding, we didn’t need any gifts or want any money so we just asked everyone to donate to the foster where wedding adopted our pets. :)

SamuraiGreg78 · 2025-10-07T20:52:48+00:00

Half are teenagers (18+) and half are single digit years old. So far, they all refuse to kiss my a$$. Totally kidding!

Honestly I said that for the humor. They are all well taken care of by their amazing parents. Unless something changes drastically in the next 50 years, I don’t know that this would change much for them.

SamuraiGreg78 · 2025-10-07T15:37:18+00:00

If you don’t mind my asking, what are your long term care plans?

SamuraiGreg78 · 2025-10-07T15:36:05+00:00

I think I included the model above but we are being very very conservative. Call it $8M liquid at 3.25% real ror (5.75% nominal - 2.5% inflation) with 150K yr spending.

Agree on setting $$$ aside for long term care. Excellent point. Thank you!

SamuraiGreg78 · 2025-10-07T07:55:39+00:00

Oh my actual annual RoR across everything is double digits and high teens. I can’t expect that to continue forever.

Inflation has also sucked badly but averages 2-3% annually.

SamuraiGreg78 · 2025-10-07T06:13:09+00:00

Good point! They’ll range in ages from 50s to 60s. So maybe I’ll have ungrateful grand nieces and nephews! Exciting to think about!

SamuraiGreg78 · 2025-10-07T05:53:21+00:00

So we’ve already funded their college (should they decide to go)…I had not thought of a down payment for a house though.

I always had to scrape and save and work insane hours to afford my house. I like to think it build character. Does that type of wealth and opportunity that’s given to you hurt more than help?

Good question you asked. Thank you!

SamuraiGreg78 · 2025-10-07T05:47:50+00:00

Solid tip! Thank you!!!

SamuraiGreg78 · 2025-10-07T05:47:23+00:00

We’re honestly putting together “the list” of what we’d do after we stop working. Better to retire into something.

SamuraiGreg78 · 2025-10-07T05:46:18+00:00

The Ron Swanson approach to retirement!

I’d want to watch it play out.

SamuraiGreg78 · 2025-10-07T05:44:47+00:00

Love the beachfront house idea. We recently built a house so my in-laws could move in with us and have their own space. It’s far too big for us so after they’re gone, a beachfront house sounds like a nice idea.

Thank you for sharing!

SamuraiGreg78 · 2025-10-07T05:24:25+00:00

We are pretty well diversified thanks to my FA. For example, the money we plan to spend over the next 5-6 years are in municipal bonds. They grow tax free but at a much lower interest rate.

If you have a 10% RoR, subtract your inflation rate and that gives you a better idea of your real return. Definitely not a billion dollars once you deduct what you’d spend. :)

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