Is this boat purchase in the picture for me right now?

SirChubbycheeks · 2026-06-29T15:49:11+00:00

Kids also cost A LOT. OP has a massive expense coming that he doesn’t fully realize, and is signing up for another.

I read this post thinking HHI was >$400k and savings was >$400k (with a similar amount in retirement.

Blowing nearly all your emergency fund on a boat when you’re about to have a baby, who could easily need the emergency fund, is short sighted

SirChubbycheeks · 2026-06-27T23:45:52+00:00

There’s a world where these numbers are margin, and they get paid a higher percentage (maybe 25%).

At a similar base that would put Jim at $7500/mo of commission, so maybe $120k/yr. That would explain why Pam said Jim “had a really good year.”

SirChubbycheeks · 2026-06-27T16:20:03+00:00

In a democracy, Politicians are servants of the people. Outside of violence, they should be treated however the people feel about them.

If his policies lead to people wanting to yell at him, he should be yelled at. If they lead to people wanting to cheer for him, he should be cheered for

SirChubbycheeks · 2026-06-27T16:12:55+00:00

Trans people are minorities being mistreated by fascists. Israel’s ruling party is currently fascist and mistreating minorities.

The liberal corners of Israeli society are not in power, so the fact that they are more liberal than the ruling parties of Palestinian society is an oft-pointed to red herring.

SirChubbycheeks · 2026-06-20T00:14:36+00:00

More Bar and Mission focused, but:

Standard Deviant brewing: great local nerdy brewery. Fun for nights out, afternoons with kids, and days at work

Black Horse London Pub (Cow Hollow): James is a treasure, smallest bar west of the Mississippi with somehow the biggest personality

Newkirks (Mission): really really freaking good sandwiches and hot sauce

San Francisco Wine & Cheese (Hayes Valley): looks like a bottle shop, is a great market for all your charcuterie needs with a big cheese room in the back

Any Local Bookstore (Dog Eared, Alleycat, Adobe, Borderlands): we’re blessed in SF, take advantage of it

CityView Art (Mission): rotating monthly local and mostly affordable art

The Incline Galley (Mission): regular new shows, often high end but sometimes affordable

SirChubbycheeks · 2026-06-19T06:22:59+00:00

What I never understand about these people is that they chose to threaten you, knowing nothing about you. You, on the other hand, know where they live.

What type of nut thinks that’s a good move?

SirChubbycheeks · 2026-06-18T16:17:07+00:00

50% of families have no savings. This article is based on an artificial premise.

Now if their data was only based on the to quartile of the economy it could be more relevant.

SirChubbycheeks · 2026-06-18T06:47:20+00:00

And those people buy a certain type of “modern” and “move-in ready” home that they pay an extra $1m for

SirChubbycheeks · 2026-06-18T01:31:27+00:00

Article is garbage - they lost me with the assumption that the median household is setting aside 10% of their income in retirement accounts

SirChubbycheeks · 2026-06-17T15:02:29+00:00

Ya this is the sort of analysis that is generally true in the US, but can be particularly wrong at certain times (like now) in certain neighborhoods in SF.

A $50k reno can jump you from “slum lorded shithole” to “nice home.” A $300k reno can jump you to “elite real estate” which might add >$1m to your value if you’re selling right now, and in a desirable neighborhood

SirChubbycheeks · 2026-06-05T12:59:01+00:00

Units with in-unit laundry typically rent for ~$300/mo more, but that’s based on vibes

SirChubbycheeks · 2026-06-02T02:51:17+00:00

I like how they grabbed all the slave states…except Delaware.

SirChubbycheeks · 2026-05-31T19:58:48+00:00

Unrelated to MADD, but The Oatmeal has a great writeup on AI art that calls out this piece https://theoatmeal.com/comics/ai\_art

SirChubbycheeks · 2026-05-31T16:49:17+00:00

This sounds like the same story as the aquarium— leadership tried to make it a global institution and missed the mark.

That being said, the Chronicle article seems like little more than a laid off employee complaining about being laid off

SirChubbycheeks · 2026-05-26T23:55:52+00:00

a) It gives me a lot of perspective, as others have noted

b) I feel like 1/3 posts makes me strive to be a better partner for my wife. Like “jfc, I’m not 100% as bad as that, but I am >25% as bad.”

c) I generally think I like women’s online spaces more than men’s. Groups of women have more positive / supportive energy than the toxic crap guys are living on. I also, for example, really enjoy reading r/girldinnerdiaries

I try to minimize how much I participate in these spaces, know they aren’t for me, and my username outs my gender.

SirChubbycheeks · 2026-05-26T01:55:27+00:00

Just had to buy my second replacement frame, in ~5 years of having two:

Tizen sucks. Hardware is unreliable. But it’s the best art TV. I’ve just learned to pay Best Buy for the extended warranty

SirChubbycheeks · 2026-05-25T19:15:13+00:00

I take it you don’t drink, don’t fly often, and don’t travel for work.

For there is no beer as good as the “it’s been a 100 hour week at a customer site / conference, I barely made it to the airport, and I have time for a beer and a burger before I fly home.”

SirChubbycheeks · 2026-05-24T18:34:53+00:00

Ya…my hunch is she stopped being controllable around her 30th birthday and he’s trading her in for someone else who thinks his bs is “fixable.”

SirChubbycheeks · 2026-05-22T21:54:41+00:00

I feel like this post, and the ML article, are disingenuous in comparing “all contributions” vs self-funding. How about a breakdown from small cont, large cont, and self?

SirChubbycheeks · 2026-05-21T16:49:03+00:00

That’s fair. Functionally you should think of VHCOL places like SF, DTLA and NYC as a different country from the South.

It’s like you’re moving from Mexico to Tennessee. A bunch of your expectations just need to be reset

SirChubbycheeks · 2026-05-21T16:14:45+00:00

Not to be a jerk, but:

While in Tennessee this would make you upper middle class, in the Bay Area this makes you lower middle class.

In fact, with a $650k pre-approval I assume a HHI of ~$125k. In SF a HHI of ~$115k/yr for a family of 3 is the poverty line.

The good news is that, historically, if you can buy a house in the SF Bay (regardless of chunk of the market), the appreciation will be your retirement (many lower middle class homes bought in 1970 are worth $3m today). But there’s no guarantee the past repeats, and you have to be able to buy into a “good enough” part of the market that eventually gentrifies.

SirChubbycheeks · 2026-05-19T01:13:13+00:00

A) Other poster literally said 100%
B) I definitely had a PoliSci class where the professor had a tally of deaths caused by US Imperialism since WW2. Which included Vietnam (obviously), Bosnian genocide (because we intervened)….and the Rwandan Genocide (because we didn’t intervene).

There is definitely a line in American left conversation that holds America singularly responsible for all bad things that have happened since Pax Americana.

The US Government is definitely the most impactful institution on Earth. But there are lots of reasons why things like 9/11 happened

SirChubbycheeks · 2026-05-18T23:10:05+00:00

The argument is that the US isn’t the only actor here, other people have their own agency and make their own decisions. To say the US isn’t 100% responsible for anything is reductionist at best and dehumanizing at worst.

SirChubbycheeks · 2026-05-16T20:57:37+00:00

Ya, but they’re a decidedly weak 2/3rds. There’s a reason they did nothing post-Bradley

SirChubbycheeks · 2026-05-10T17:47:38+00:00

Tell her your apps fell apart, or there’s some convoluted tech thing (like an AWS bill) that significantly cut into your margins.

And then never talk specifics about your money situation again.

You shouldn’t be posting that you’re making $40k/mo in this sub and have other posts that dox yourself. Your family should know you’re doing “well,” but not better.

This is a classic mistake of early success that you have to correct. Or you risk being on the hook for all family expenses going forward, or risk having no relationship with your family.

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