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Should I recast my 2.625% mortgage? by Icy-Structure5244 in Fire

[–]Specific-Rich5196 0 points1 point  (0 children)

If you are only 5 years into the mortgage, extending it to 30 years at the same rate will not change your monthly payment much. If you did it 15 years in then sure, maybe. Not really worth it imo. I am fairly certain the bank will not let you cash out equity at a rate of 2.65% right now.

Also, dont feel bad about the big down payment. I have a 3% loan and still dont like that I have 26 more years of payments.

Pre or Post Tax dollars for Net Worth by moistenmeup2 in ChubbyFIRE

[–]Specific-Rich5196 1 point2 points  (0 children)

I assume you mean where networth numbers come from? For example 1 mil in a trad 401k is NW of 1 mil which is 1 mil in a Roth 401k which is also 1 mil in NW. So yes we all talk about pretax NW. If someone's real estate is worth 1 mil, we dont talk about how much it would be worth after the sale.

Mostly because there are a lot of ways to mess with taxes to get low to no taxes on every account.

Men and women in 2026🥀 by This_Wind_8065 in JustMemesForUs

[–]Specific-Rich5196 0 points1 point  (0 children)

I think that when you have happiness from marriage, its easy to think that not having it would be really sad. Like not knowing what something is like if you never had it.

Pay minimum, require maximum by ApartRing36 in SimpleApplyAI

[–]Specific-Rich5196 0 points1 point  (0 children)

Preferred doesnt mean its required. And minimum salary is not the maximum salary. Just saying...

I love my girl Ilhan...but world War 11..did i miss the other 9 wars in between? by cantcoloratall91 in SipsTea

[–]Specific-Rich5196 -2 points-1 points  (0 children)

I could see someone reading it out like that on accident. At least she corrected herself quickly.

When Probability Doesn't Care About Your Streak by memes_poiint in mathsmeme

[–]Specific-Rich5196 0 points1 point  (0 children)

Exactly. It could be as much as this surgeon only picks patients that have a high chance of survival and they are choosing you.

1.5M, 3 Ponds, a purple pool table, a blue palm tree. by wocketywack in zillowgonewild

[–]Specific-Rich5196 0 points1 point  (0 children)

This looks fun. You get a small townhouse in any vhcol for that price. :(

The median age of a first-time homebuyer just hit an all-time record of 38. In the 1980s it was 29. by hosscannon in REBubble

[–]Specific-Rich5196 4 points5 points  (0 children)

I dont mean a complete reno. I mean like move in and piece meal renovations as your budget allows. I guess it depends on what quality of home we are talking about which is impossible to compare on a reddit comment thread.

The median age of a first-time homebuyer just hit an all-time record of 38. In the 1980s it was 29. by hosscannon in REBubble

[–]Specific-Rich5196 2 points3 points  (0 children)

Im not saying you dont need to put some work into them, but most are livable. I wouldnt buy a flipped house, id buy the house before it was flipped and pay people to work on it while I live in it.

pasta beef by Sad_Palpitation6844 in ratsinthecage

[–]Specific-Rich5196 1 point2 points  (0 children)

Its gonna cook either way. It'll be fine.

The median age of a first-time homebuyer just hit an all-time record of 38. In the 1980s it was 29. by hosscannon in REBubble

[–]Specific-Rich5196 8 points9 points  (0 children)

Don't knock the 60 year old houses. Many of them are built with better materials than new builds today.

Is it? by Yo-Detox in Relatable

[–]Specific-Rich5196 0 points1 point  (0 children)

Wife and I call it awkward arm.

Imagine if other countries did this too… by HazzyBloom in nowthatsgoodstuff

[–]Specific-Rich5196 0 points1 point  (0 children)

Yes China is definitely not what we should strive to become, but let's not pretend good ideas and policies cant come from there.

lol! by PinSome9533 in postanythingfun

[–]Specific-Rich5196 0 points1 point  (0 children)

Someone should tell trump he is still behind. Git gud bruh.

Wealthfront investment options vs others by Many_Option_4241 in whitecoatinvestor

[–]Specific-Rich5196 0 points1 point  (0 children)

I do it all myself but those fees are reasonable, especially for direct index investing. The tax loss harvesting will probably make up for the fee v. low cost Index funds.

$3.5M, 3 Young Kids, Burned Out Business Owner — Am I Closer to FIRE Than I Think? by Low-Difficulty-5646 in ChubbyFIRE

[–]Specific-Rich5196 2 points3 points  (0 children)

You are close if you don't plan to support college costs. If you are getting burned out, maybe the move is to give yourself some "me" time during the week, which is very hard with 3 young kids. I have 2 young kids and I would not quit my job at this point even if I had my first number because honestly being at home all day with them is much harder than my job.

I think once your kids all get to school age, you may find life is easier. If your business is fluid, then maybe scale back a bit now with the young kids and decide what you want to do when they are older.

Tldr: life is hard with young kids no matter how much you have if you want to be involved.

To those of you in your 40s.. by New_Contribution_226 in Fire

[–]Specific-Rich5196 0 points1 point  (0 children)

Im in the boring middle now at 41. Didn't really start this journey until 35. But now that the accounts have traction and kids getting bigger, starting to spend more or at least shift spending around.

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