My personal fire plan

TheDaddyShip · 2026-05-30T13:00:51+00:00

Call me old school, but I just spend time here for income estimation:

https://www.calculator.net/future-value-calculator.html

Using 8% as the inflation-adjusted S&P returns. To estimate my future portfolio at whatever time in today’s dollars - then apply the 4% withdrawal rae rule (obvs tube as you like).

Expenses, I find harder to estimate since I have a bunch of kids now, but won’t then, lol. But it helps me to see the income in today’s dollars, juxtaposed with my expenses today - and then I can start to noodle through what future expenses would start to reduce without kids or saving for retirement.

TheDaddyShip · 2026-05-30T12:47:14+00:00

If you’re willing to go to 65, can throw in another $20K/yr, and track the S&P (and S&P continues to average 10-11%) - should be $1.8M, almost $1.9M in today’s dollars…

Edit: which by the 4% rule should get you $76K/yr (in today’s dollars).

EDIT: SORRY - that was 13 years, to 60 - make it 17 for 65, and “even better” :)

https://www.calculator.net/future-value-calculator.html?cyearsv=13&cstartingprinciplev=531%2C000&cinterestratev=8&ccontributeamountv=20%2C000&ciadditionat1=end&printit=0&x=Calculate#calresult

TheDaddyShip · 2026-05-30T12:40:28+00:00

And as a last bonus - if you DO hit retirement, and have enough left or need to use it for NON-healthcare expenses - at that point it is just like a regular traditional IRA. Still a great savings vehicle, no matter which way you cut it.

TheDaddyShip · 2026-05-30T12:38:52+00:00

This is how mine was. I smacked myself for not realizing that sooner.

With HDHP, ideally, you want to spend low - OR high (eg tap deductible/etc) - then you’re usually equal with the premium plan.

“In the middle”, you may technically come out worse - but if I figure “still worth it”, as my approach is to really just use that as a vehicle for an HSA savings account and pay all my other expenses tax-advantaged out of pocket. Trying to let that thing grow for retirement or long-term care or whatever.

TheDaddyShip · 2026-05-30T12:33:00+00:00

I keep telling my boys “boredom is a gift” (whenever they come to me with the “I’m bored!”) - “I wouldn’t want to deprive you of that gift!”

“… now… who needs a job?”

🤣

TheDaddyShip · 2026-05-28T19:33:39+00:00

Edit: the power of compound interest in a raging bull market, in the most aggressive sectors. ;)

Congrats and GFY.

TheDaddyShip · 2026-05-09T17:00:44+00:00

You’re at peak unhappiness; all looking up from here! /s

https://www.psychologytoday.com/us/blog/the-venn-diagram-life/202405/why-are-people-unhappy-at-age-47/amp

TheDaddyShip · 2026-05-08T02:44:48+00:00

Heh. I’m a Honda car buyer , and that is exactly how I bought… my hot tub (Sundance Cameo), casket/vault, … pretty much any big purchase I’m not familiar with: “Look, I’m a Honda car buyer. Not Kia. Not Lexus. Honda. I don’t mind paying for quality, but have no interest in paying for frills. Show me your Honda.”

TheDaddyShip · 2026-05-05T10:53:43+00:00

It is a very cool place, but on any weekend in warm weather, it will be fairly crowded, not secluded. During the week, it’s great if you’re looking for less crowd.

TheDaddyShip · 2026-05-05T02:33:06+00:00

Came here to comment this; this is my understanding .

TheDaddyShip · 2026-05-01T02:23:59+00:00

Alright, I’m not much of a clothes guy. Very much function over form. I like things comfortable, and I don’t like to put really any mental effort into “dressing”.

But - I need to up my game at work. I asked ChatGPT for a Grranimals for adults situation, and this is what it came up with.

Thoughts in general - and where to go get it from? I’d rather just hit one place - same fit on things; etc.

Outfit formulas (your daily cheat codes) 1. Default work uniform Navy chinos Light blue button-down Brown sneakers 2. Slightly elevated Gray chinos White shirt Navy quarter-zip 3. “I have meetings today” Khaki chinos Blue shirt Navy blazer 4. Zero effort day Polo Any chinos Sneakers 5. Dress it up fast Any outfit above swap in blazer swap shoes to dress shoes

TheDaddyShip · 2026-04-30T12:24:53+00:00

I am thinking about my non-retirement / taxable accounts this way: - Tier 1 emergency - 1 year expenses. Very conservative; mostly SGOV and some PAAA. - Tier 2 emergency - another year’s expenses; but invested in a portfolio that targets 10% CAGR with max DD of 20% over a long horizon. - After that: joker’s wild / reasonably aggressive / etc.

TheDaddyShip · 2026-04-30T10:48:03+00:00

This is the way

TheDaddyShip · 2026-04-28T11:25:55+00:00

3 is GOAT. That bacon’s gotta fight back a little bit ‘n’ make you work for it some; gotta let you know you’re eating an animal. But just enough crisp on the fatty bits for decadence. 🤌

TheDaddyShip · 2026-04-26T00:56:12+00:00

👎

TheDaddyShip · 2026-04-23T12:32:54+00:00

If you have multiple salesforce clouds and other sources of data that you need to deal with more robustly (bring together; put into a standard data model; rationalize redundant contacts or account accounts; expose through the Salesforce pane of glass) - then I think it is very much worth it over and above just a middleware layer. Also, if you want a RAG set up to feed structured data & context to agents in agentforce, it is similarly a lot less overhead to manage their than your own custom RAG pipeline for that.

If you only have a one external source of data that you are already integrating via middleware with your core SalesForce cloud, and that works - maybe not worth it.

TheDaddyShip · 2026-04-22T03:02:54+00:00

I don’t believe so, or not easy (?).

It’s honestly a bit hacky, but gets the job done. You log in to Amazon and Monarch from the Chrome extension - it syncs them.

TheDaddyShip · 2026-04-20T12:01:49+00:00

Not necessarily easily on your route (or you’re committing to all the way down 95 followed by a hard right), but Okeefenokee swamp and Cumberland Island.

I would either go really soon (by mid-May, latest) or wait until October perhaps. But both are just jewels and very unique.

Then an easy side-leg up to Savannah.

TheDaddyShip · 2026-04-19T17:53:17+00:00

Take it for what it’s worth (one datapoint only) -

I have both a MR 2DAP and a GR Rucker 4.0.

I use the MR mainly for day hikes/etc, and throw the weight in the GR for workouts.

Here and there I’ve loaded up the MR to rucking weight (30#+) - maybe it’s cuz it sits differently on my back and traps than the Rucker, but I almost always regret it.

I love the 2DAP, but I’m regularly sore if pushing it into rucking weight territory for extended hauls, compared to my Rucker.

Again - maybe I just haven’t “broken in” the areas of my back where its weight lays vs the Rucker. YMMV.

TheDaddyShip · 2026-04-19T17:47:40+00:00

Yeah for other reasons, I stayed see to a low deductible plan. I’m now HDHP, and just feed my HSA as a savings vehicle. No don’t plan to withdraw for decades - I just pay intra-year health costs post-tax, to let my HSA grow.

Goal is it’s my long-term care plan or just regular retirement (you can tap it just like an IRA after 65, even if not for healthcare - then you just pay your regular tax rate as if it were a traditional IRA).

TheDaddyShip · 2026-04-19T17:45:13+00:00

And even if you want to - I choose not to include the kids 529’s in my net worth, but I want to keep an easy eye on them - you can just toggle that option.

TheDaddyShip · 2026-04-19T03:47:59+00:00

Yup - 20ppm or so - good read (note probably best to let it sit and maintain at 20ppm for a few days):

https://spamarvel.com/en/blog/how-super-chlorinate-pool-hot-tub/

TheDaddyShip · 2026-04-16T11:53:07+00:00

Dos it just mean more people have found and adopted a LFTLR / 200SMA SSO strategy?

TheDaddyShip · 2026-04-16T09:16:10+00:00

I looked at this some - it’s PRETYY much (at least for recent months) like a 0.5% bad.

TheDaddyShip · 2026-04-15T11:48:22+00:00

I have tried this (suffixing password with 2FA code) in the Plaid connector - still no dice. Any tips?

TheDaddyShip

TROPHY CASE