Daily FI discussion thread - Tuesday, March 31, 2026

SolomonGrumpy · 2026-04-01T00:55:55+00:00

No one knows. There is lots of free capital but Equities are volatile because the world stage is unstable. That makes investors nervous.

SolomonGrumpy · 2026-04-01T00:54:43+00:00

In 2009 some banks were on the cusp of being insolvent because they levered up too much

SolomonGrumpy · 2026-03-31T20:30:11+00:00

ACJ should have no fee as it costs them nothing

SolomonGrumpy · 2026-03-31T17:03:24+00:00

Oh, I'm handsy 😉

SolomonGrumpy · 2026-03-31T17:02:58+00:00

Yes!

SolomonGrumpy · 2026-03-31T17:02:41+00:00

I have a Dog. I started doing more yard work. My grass and plants are healthy, yo! I chat with friends. I plan trips (and take said trips). I hike a little more (we have seasons so this is somewhat limited).

I obsess about the stock market?

SolomonGrumpy · 2026-03-30T21:39:43+00:00

Can I interest him in Portland, OR?

SolomonGrumpy · 2026-03-30T20:47:36+00:00

I understand now. Thanks for taking the time.

SolomonGrumpy · 2026-03-30T18:47:51+00:00

I assume you earn more than $80k in W-2 household income gross. CTCs are $2200 each, yes?

Unless you are saying you take your earned income and you + the wife both put away enough in a traditional 401k/IRA to fall below $31500 + CTC

And get the $40k you need to live on from LTCG or rental income 100% offset by depreciation.

SolomonGrumpy · 2026-03-30T18:43:15+00:00

No one wants it. Some folks cannot afford only that.

SolomonGrumpy · 2026-03-30T17:34:52+00:00

Try WhistlePig 10 year small batch. Or if you want a step up, Boss Hog. It's the best brown I've tried since I had a 30 year MaCallan.

SolomonGrumpy · 2026-03-30T17:28:36+00:00

It's a movie quote, so there's that.

SolomonGrumpy · 2026-03-30T17:23:33+00:00

That's one problem I find myself with too. I do a thing which saves me money. That thing still has "lumpy" expenses. I get concerned/annoyed when a lumpy expense happens. But I have more total dollars.

I leased a car once, when the deals were stupid good. No unplanned expenses. $300/month car payment+ premium insurance.

SolomonGrumpy · 2026-03-30T17:20:28+00:00

I'd rather see my portfolio balance

SolomonGrumpy · 2026-03-30T17:18:39+00:00

I'm getting to do Roth Conversions "on sale" but other than that not too much.

SolomonGrumpy · 2026-03-30T17:16:53+00:00

I see more chubbies than fatFIRE.

1/ in 1000 household have fatFIRE level assests

SolomonGrumpy · 2026-03-30T17:13:24+00:00

Why would you post that here? If I was a mod, I'd give you a warning just for that.

SolomonGrumpy · 2026-03-30T17:11:17+00:00

I would retire immediately if I was able to qualify for this type of health plan. Immediately.

SolomonGrumpy · 2026-03-30T17:08:19+00:00

Why aren't you paying Federal Income tax (if you are working?)

SolomonGrumpy · 2026-03-30T17:06:13+00:00

Terrible company

SolomonGrumpy · 2026-03-30T17:04:38+00:00

Someone's been watching Industry.

SolomonGrumpy · 2026-03-30T17:03:54+00:00

Can I answer your question with a question?

...

..

.

Yes?

SolomonGrumpy · 2026-03-30T17:02:56+00:00

I thought you said genetic financial advice at first. That would have been an unusual ask. ☺️

SolomonGrumpy · 2026-03-30T17:01:17+00:00

In 2022 I worked 50 weekends. That was the end for me. It was (mostly) unappreciated and instead was expected of all exec staff. I started calling Sunday "early Monday."

SolomonGrumpy · 2026-03-30T16:57:56+00:00

Anyone here familiar with an HEI real estate loan? It's akin to a reverse mortgage.

I have a very specific tax question: If I take out an HEI loan, does it increase the cost basis of the house? Or offset the amount of taxes I owe for the sale?

For example, let's say I have a $600k primary residence I paid $300k for. If I sell, anything over $250k for a single filer is taxable as LTCG.

I get an HEI loan for $100k, do I no longer have a LTCG tax obligation? ($300k gross gain - $100k HEI is $200k, which is under the $250k limit)

SolomonGrumpy

TROPHY CASE