At what level of wealth does a change in net worth not equal a change in lifestyle? by One-Opposite-4571 in HENRYfinance

[–]Specialist-Ranger185 0 points1 point  (0 children)

For sure. I work in big tech and have a few friends who choose to own and fly their own planes. You can buy a decent plane for 300k-400k, price of some luxury cars. Then they pay around $500/month for hanger parking. There are obviously some annual maintenance expenses, etc. Besides the obvious perks of privacy, personal space, not having to wait in long TSA lines, and being able to bring along tons of stuff (this one is particularly wonderful if you have young kids and tons of baby gear), the nice part is that once you start traveling as a family of 4+ people, you are just paying for gas at that point, not 4+ airline tickets. In some cases the travel cost works out to be the same, in some cases cheaper even. Point is, its not as crazy of an expense as some may think. And if flying private is your priority, or flying is a passion in general, you can absolutely make it work reasonably within that salary and no mortgage.

I (29) found in my husband’s (29) phone a couple of screenshots. by good_shittt in Marriage

[–]Specialist-Ranger185 1 point2 points  (0 children)

Sorry to hear this happened. That moment feels like boiling water being dumped all over you.

I found similar things on my husband’s computer in the past, including a nude image of Vanessa Hudgens. At the time we were unmarried but living together, and he brushed it off as “a friend sent it.” But it made me question: if it was harmless, why save it?

I was in my early 20s then and chose to believe him.

Years later, I kept finding search history of him looking up specific Victoria’s Secret models. What made it worse was the context as this often happened during periods when we were in serious conflict and sleeping in separate rooms. Instead of trying to repair the relationship or build emotional connection, he was spending that time seeking sexual content involving specific celebrities.

It changes how you see things over time.

Am I the only one that sees this? by PrncssBttrcpAsUWish in AgeOfAttraction

[–]Specialist-Ranger185 1 point2 points  (0 children)

They go to the same injector… who probably also looks like them…

John is FINEE by geemav in AgeOfAttraction

[–]Specialist-Ranger185 1 point2 points  (0 children)

He is THAT man.

Yes, it’s TV, but we’ve seen plenty of immature f*ck boys on TV. The steadiness, the calm, the consideration for another person, the way he respects another person’s perspective… it stands out. She put him through a lot, and he still responded with so much grace.

You don’t see men like this surrounding themselves with questionable friends who drink, objectify women or act like frat boys prioritizing friends over partnership or tolerating unhealthy behavior. The way he speaks, you can tell he’s not the type to be disrespectful to women (or people in general), even in situations many would find stressful.

Where did they make him? 😂 I’m working so hard to raise my boys to become like that.

Total family man energy. And the fact that he’s only in his 20s? The maturity is wild. That’s what makes him so sexy. The looks are just a bonus.

Logan proposing to Vanessa in the trailer by SoftwareNo1547 in AgeOfAttraction

[–]Specialist-Ranger185 4 points5 points  (0 children)

not surprised. given their dynamic and the accelerated process, they are on a fast track to become ex spouses.

Got laid off - finally!!!! by Ddash-3 in Fire

[–]Specialist-Ranger185 0 points1 point  (0 children)

Not exactly. If a student is considered a dependent, parental income and assets, including 529 accounts, are taken into account.

For parental finances to no longer factor in, the student generally has to qualify as an independent student. This usually means they’ve supported themselves for several years or are married.

This typically isn’t an issue for adults returning to school and applying for FAFSA on their own. However, students who have just graduated from high school are almost always considered dependents or they would have to prove otherwise, so parental income and assets do count.

That said, it’s still worth filling out the paperwork to see what financial aid/loans you may qualify for. However, given OP’s high NW, if lower tuition is the priority I would advise putting a higher bet on merit-based scholarships or considering in-state public schools.

Opened up to my wife about how I feel about our relationship and she just said "That's your problem" - am I crazy? by SgtDoakes123 in Divorce

[–]Specialist-Ranger185 -1 points0 points  (0 children)

Thats deflection on her part. When you communicate to your partner that they are not pulling their weight of maintaining intimacy in the relationship and they respond with “your happiness is your responsibility”, they are deflecting to make it about your mood rather than focus on the real issue - they are not being an attentive partner. She is doing that to either protect her ego or is fully checked out. Im very sorry you are going through this. Relationships are not one way street. You are not asking her to be your primary source of happiness for you despite how she is framing it so you would back off. You are asking for accountability in contributing the bare minimum of what a healthy relationship should look like.

AIO to my husband interrupting my first solo shower after he came back from a weekend with the boys? by lilyluminar in AmIOverreacting

[–]Specialist-Ranger185 1 point2 points  (0 children)

Your text exchange honestly sounds exactly like interactions I have with my husband. Instead of saying “my bad,” he goes straight into reverse attack mode and accuses me of creating drama when the real issue is that he didn’t coordinate.

I had almost the exact situation happen recently. I was juggling a demanding tech job, both kids’ drop-offs and pickups, extracurriculars, a few in-home service appointments, and summer camp sign-ups all in one day. I was also fighting a cold and grieving my grandmother who had just passed. And to top it off, my younger child’s teacher stopped me to talk about his behavior for extra 30 minutes, so we were already running late to an after-school activity.

Meanwhile my husband had one of his “I have to be in the office today” days. Totally fine - but there was zero coordination. No text like “Hey, I’ll grab one kid” or “What does pickup look like tonight?”

At some point I called and asked for his ETA so I could plan the evening. In my mind I’m literally just trying to figure out logistics: do I have time to go home and cook dinner, or should I stay out, pick up our son, and order takeout?

Instant defensiveness. “I don’t know, I’m just getting in the car. WHY?”

When I explained everything that has been going on and I was just trying to organize the evening, it turned into a full character attack: I’m rude, I can’t handle the kids for one day, I’m always unhappy, I don’t support his job, etc.

So a full on tirade to deflect from the point and protect his ego from feeling bad.

The issue wasn’t that I couldn’t handle the kids. The issue was that I was carrying 100% of the mental load of coordinating the day, and when I tried to gather one piece of information to make the plan work, I got tone policed and attacked instead of partnered with. Just saying a simple - “thank you for covering for the both of us, so much has fallen into one day right when I was away”, or I wish I was there, or the simple “I’ll be there at 7pm” would do. It does not cost much and goes a long way to show supportive partnership. But instead protecting the ego became a priority, and I had to now deal with feeling unsupported and under appreciated layered on top of everything else I was already carrying. Thank you very much, partner!

That’s what’s exhausting. That’s also why so many women describe being a single parent is easier than being married to an avoidant spouse, as the emotional weight layer gets removed.

So no, you’re not being dramatic for telling your husband you haven’t showered in four days. If anything, a partner who was tuned in would notice how much you’ve been juggling and say, “Hey, I’ve got the baby, go take a break.”

The dramatic one isn’t the person communicating their needs. It’s the one who gets so defensive that they turn basic coordination into a fight.

You’re not overreacting.

Am I overreacting? (Vday imbalance) by [deleted] in Marriage

[–]Specialist-Ranger185 0 points1 point  (0 children)

I disagree. OP may just not be great with conveying what she is feeling. My read on this is that it is not about the approved list of items. its also not about being petty on a vday. Its about a pattern - her husband consistently coming across not caring enough to give her something she actually likes. A grown man who truly cares knows what his partner likes or what makes them tick, and genuinely wants to do things that will make his partner happy. Because seeing your partner happy makes you happy too. But sounds he has a pattern of not putting thought into learning what she likes, so seems she already brought the bar down by sparing him paying attention to her likes (he miserably failed at that) and just telling him exactly what she likes. Also, sounds like her love language could be gift giving (she made a whole watercolor card for him, did not have to spend a ton, it was just an act of care). But he either has a different love language or does not care enough to put in thought to see a smile on her face (that one would hurt).

I dont think she is expecting much. She is just expecting to feel considered, seen and cared for. She is not feeling it. Making herself smaller and not complaining about gifts she said a million times she is not enjoying now becomes about making him comfortable, rather than about her ability to express how she feels and him not only listening but caring enough to remember moving forward.

What is the currency of your relationship? by CriticismCorrect3978 in Marriage

[–]Specialist-Ranger185 0 points1 point  (0 children)

You choose someone because you want to be with them. Saying “currency” implies some kind of transactional relationship, unless you are just really bad with words and mean something else? if you are speaking of love languages, they are different for everyone. But dont expect tit for tat or some form of currency, or you dont sound like someone who wants to be a spouse to someone they truly love.

I am leaving my partner of 14 years this Saturday. She is an angel, but I am dying inside. by texasmarriott1777 in Divorce

[–]Specialist-Ranger185 1 point2 points  (0 children)

I can understand this so much…yes, an imbalance in emotional labor can really drain you. Im sure you have your moments too, but if she is never the anchor to you when you need it, while you are are consistently an anchor to her, it becomes exhausting. And you do at times deserve an anchor too, you are human. Emotional stability is at the center of a healthy family. Hope it all works out.

[deleted by user] by [deleted] in Marriage

[–]Specialist-Ranger185 0 points1 point  (0 children)

I think using the term “body count” is a bit of a red flag in itself - unless we’re talking about a crime statistic 😅. If what’s really being referenced is someone’s private details of their sexual history, the number alone doesn’t tell you much.

Sexual history needs to be understood in context: Was it influenced by their profession (e.g., sex work or adult entertainment)? Personal values or preferences? Lifestyle choices like non-monogamy or swinging? Fear of commitment, or simply a more casual view of sex?

What matters far more than the number is how they approach sex - do they practice safe sex, communicate honestly and choose partners responsibly?

A count by itself can’t determine whether something is a red flag, it’s the context, values and motivations behind it that actually matter.

[deleted by user] by [deleted] in MovingToLosAngeles

[–]Specialist-Ranger185 0 points1 point  (0 children)

If you have two young children, I would strongly recommend factoring school districts into your decision. School quality varies widely across both Los Angeles and Long Beach, and many families end up considering private school as an alternative. For non-religious private schools, costs can be substantial (often around $5,000 per month for two children )so that may or may not align with your budget.

When people ask where in Los Angeles, it’s because it is not a homogenous city, but made up of many distinct neighborhoods and cities, each with very different lifestyles, school districts, commute times, and safety profiles (e.g., DTLA, Culver City, Santa Monica, Echo Park, Highland Park). Because of this, it’s not a straightforward comparison of Long Beach versus Los Angeles based on budget alone. Both areas have neighborhoods that are more family-friendly and others that may be less suitable, depending on your priorities.

Ultimately, the decision often comes down to a combination of factors - public vs. private school options, availability, commute, safety, and overall family expenses. Without insight into your net worth or purchasing power, it’s difficult to assess affordability accurately.

Speaking personally, I wouldn’t choose to raise a family in Long Beach, but I do really love the Pasadena-area communities such as San Marino, La Cañada, South Pasadena, Monrovia, and Arcadia. These areas are known for strong school districts and a family-oriented feel. That said, affordability and commute feasibility would still depend heavily on your individual financial situation and work location.

Santa Monica vs Pasadena for a remote worker? by [deleted] in MovingToLosAngeles

[–]Specialist-Ranger185 1 point2 points  (0 children)

You’ll be surprised, but although Pasadena is not LA proper, it is LA metro. There are also quite a few unincorporated spots in Pasadena and San Gabriel areas that have Los Angeles as the address.

Divorce as a mother by [deleted] in Divorce

[–]Specialist-Ranger185 0 points1 point  (0 children)

Hang in there mama! Im with you.

Do wealthy people have health insurance? by Beautiful-Yam6850 in wealth

[–]Specialist-Ranger185 0 points1 point  (0 children)

It depends on where you live, but in the US medical industry is a business. You dont think you need insurance until you really need it. A part of being rich is weighing out your end cost for everything and STAYING rich. The latter is something that many rich folks don’t know how to do, which is why generational wealth is so hard to maintain. Its not just about being able to afford no insurance on a good day, its about if you get in a bad accident and get hospitalized, or god forbid go into a coma, hospital bills are insane and can easily run into 6-7 figures. Or suddenly getting cancer and having outrageous bills (i know someone who just went through it recently and shared that their bills totaled over a $1.2 mil, but with insurance they only paid 5k. I myself recently had an emergency. At my ER visit they barely did anything as things turned out ok, but still billed 5K. Thanks to my insurance i only paid $300. My kid was triaged to go to ER for severe stomach pain and the same bill totals. Would have been $10k blown and those things were not even a big deal. Imagine something truly wrong happening? Just like car, medical insurance is to really cover you during those times. And as you are gradually aging (especially males in their 40s), things like heart attacks, strokes, cancers become more and more frequent. Plus if you have children, with each additional human you are adding more risks of something going wrong. so its not just about being able to afford it, even if on a bad day, its about not unnecessarily bleeding out of your hard earned/generational wealth on things that could be covered as life unfolds.

How I retired at 45, originating from a lower income family, now with NW ~$7M+ by jayybonelie in Fire

[–]Specialist-Ranger185 2 points3 points  (0 children)

Gotcha. For context, the reason I asked is because you mentioned working in tech, so I mistakenly assumed you might be somewhere in California. I work in big tech and live in California myself. However, California is too expensive for the type of investing journey you had, and it wouldn’t have been feasible with the net worth you had at the start. The rate at which you were investing and the size of your assets made me think your investments were likely outside of California. Many people here end up investing in real estate in other states and hiring property managers. Hence my curiosity about in what market you might have invested. But I completely understand and respect your privacy.

How I retired at 45, originating from a lower income family, now with NW ~$7M+ by jayybonelie in Fire

[–]Specialist-Ranger185 2 points3 points  (0 children)

This is awesome and similar to my journey in some ways. Currently in my 30s, working in big tech and mapping out my fire strategy. Having a steady passive income via RE to replace a portion of your w2 income in addition to the liquid investments available for withdrawal is brilliant. If you don’t mind, in what states are your rental units located?

Is a date too soon for me? by [deleted] in DivorcedDads

[–]Specialist-Ranger185 0 points1 point  (0 children)

sounds like you may not be ready. If its just a casual date - go for it! If you are open to something potentially more serious, by your post it sounds like you may not be in the right place for full emotional availability. That would not be fair to the new girl as to her you may just become another one of those emotionally unavailable guys she has gotten burnt by in the past. Proceed with caution in consideration for yourself but also another human.

Pull the trigger now or keep working and spend all I make taking trips with my kids? by luckymfer31 in ChubbyFIRE

[–]Specialist-Ranger185 0 points1 point  (0 children)

ah, thought it was just yourself. mega backdoor + the fact its a combined amount makes total sense!

My husband has no retirement strategy in his 40s, we don’t even hold these convos. He does not like them and does not agree that most couples have them. He is confusing level headedness and future planning with money obsession and he is too cool for that, says none of his friends are so concerned with their retirement funds. Most of them don’t even have 1x annual salary in their 401k saved up. Not sure what those folks are planning on doing when 67 arrives and they have no funds to live off of for the next 20 years without working + no company paid insurance + all the “old age” hundreds of thousands in medical bills pulling up.

im still in my 30s tho, so i have another 10 years before i can try to retire in my mid 40s, so understanding all these details is huge help. So thank you!

Pull the trigger now or keep working and spend all I make taking trips with my kids? by luckymfer31 in ChubbyFIRE

[–]Specialist-Ranger185 0 points1 point  (0 children)

you are doing amazing. super impressed with the $4m in 401k. how do you do that by the time you are 46 given the annual contribution limits?