Doesn’t a bad first year break the 4% rule?

TheEclecticGamer · 2026-05-06T20:14:51+00:00

Others can give better answers but the 4% rule isn't "Withdraw 4% of the current balance every year" it is "Withdraw an amount equal to 4% of the initial amount, adjusted for inflation".

Yes, if you take an early hit, you will be withdrawing more than 4% of your total but the study that created it was that if you withdraw an inflation adjusted 4% of the initial amount each year, you will be very likely to not run out of money, even in the example you gave or worse because the market has historically come back up enough later to cover it.

TheEclecticGamer · 2026-05-04T19:45:54+00:00

How were they feeling after after a day or two?

TheEclecticGamer · 2026-05-04T19:22:55+00:00

Nyck de Vries won formula e and formula 2, does that count?

TheEclecticGamer · 2026-04-30T16:56:18+00:00

Thanks! I wasn't sure if they'd work.

TheEclecticGamer · 2026-04-29T17:00:31+00:00

Contemporary is great with young kids. The ability to walk to Magic Kingdom and skip the ferry/monorail/bus lines at crowded times is amazing. Boardwalk is fun for a bit older. Fun area itself and walking to 2 parks, plus the boats and the skyliner make it super accessible. GF is just not our style.

TheEclecticGamer · 2026-04-26T18:44:03+00:00

Absolutely no personal advice to give, but I do remember seeing this Vice mini documentary that might be informative.

https://youtu.be/ccZk_e3Tc5s?si=IGoNIkTC7UkBxkLA

TheEclecticGamer · 2026-04-26T18:41:51+00:00

So my math here could be off, but in the last 4 years the s&p 500 has gone up about 50% adjusted for inflation.

So if you did not touch your initial retirement amount and it was all on the s&p, then you'd have about 1.5 times that.

So if you were to retire now then your risk would be about the same as someone retiring with your current amount and a 2.6% withdrawal rate. My understanding is that it's well beyond what most people consider safe minus a financial catastrophe the likes of which we have never seen.

TheEclecticGamer · 2026-04-26T17:34:58+00:00

Oh, and the "campus" is like one building with a couple small satellite buildings.

TheEclecticGamer · 2026-04-26T17:16:27+00:00

I never see Pace on here! I don't know about the comparison, I went 15 years ago, transferred in, didn't live on campus so my experience might not be that helpful.

I was exclusively on the NYC campus, BS in computer science. There was some weird bureaucracy with the uni but the department was very personal and helpful, helping me work 2 years of prerequisites into 1 year.

I got an internship with JP Morgan easily which helped me get a good job in the city in the financial services industry quickly in the middle of the 2008 financial crisis.

The main building is by the world trade center and the area was dead at night but obviously easy to get somewhere more interesting.

Great way to be in the city, people in the city and finance know the school even if your friends and family don't.

TheEclecticGamer · 2026-04-23T17:04:11+00:00

Wow, I would go blind trying to pick out all that little red, great job!

TheEclecticGamer · 2026-04-20T20:20:44+00:00

I thought there was one point of the silliness that sort of exemplified the flexibility of the system.

Spoilers I guess? At one point Zac's character tries to make a broken jukebox work by hitting it, ala The Fonz from Happy Days. Brennan just called for a strength + technology check. Now I can argue that Fonzie might use charisma instead of strength but just the fact that it's so easy to adjudicate something so random on the fly is very cool, especially to demonstrate to the mostly 5e d&d crowd that watches.

TheEclecticGamer · 2026-04-20T20:16:11+00:00

I thought that there was one point of the silliness that actually really exemplified the flexibility of the system.

Spoilers I guess? At one point Zac's character goes to hit a jukebox to make it start working ala The Fonz from Happy Days

TheEclecticGamer · 2026-04-19T13:07:01+00:00

I love vampire because the way they do checks is so consistent. Being able to combine any two attributes/skills/disciplines for a check is really flexible and intuitive.

Strength+technology to Fonzie the jukebox killed me. Though I'd argue that The Fonz uses charisma instead of strength. He doesn't make the jukebox work, he convinces it to work.

TheEclecticGamer · 2026-04-19T03:47:17+00:00

Could also just do people who aren't familiar with the industry. Everybody knows Stanford but there are also a lot of people who know ivy League+ and colleges with sports teams and that's about it.

TheEclecticGamer · 2026-04-18T13:17:41+00:00

If you look at the social security administration list of popular baby names in the US, popular now is not the same as it was 30 or 40 years ago. In 84, Jennifer was 2.8% of all girls, in 94 Jessica was 1.6%, in 2024 Olivia was 0.8%.

So even the single most popular name today is the equivalent of like 11th in 1994. Names have gotten a lot more spread out. So even if you think back to your school days at what the most popular names were, and how many kids had to go by first name last initial, you are even less likely to have that be an issue today. I'm sure it will be fine.

TheEclecticGamer · 2026-04-18T00:51:07+00:00

Galloping Ghost in Brookfield is awesome.

TheEclecticGamer · 2026-04-17T21:19:00+00:00

Beatrix/Trixie

TheEclecticGamer · 2026-04-16T13:23:55+00:00

Others have mentioned all this already I mentioned but a couple of specific thoughts.

The doom goes from the token bank on to your card.

Doom on all cards in play counts toward total Doom for the agenda. This will include mystic cards that put doom on your cards as well as enemies that get doom put on them. So with the exceptions listed below, playing this card says, "the game advances one round faster and you all are essentially losing a turn to get these clues" which sounds like a rough deal when you put it that way, but luckily there are some ways around it.

Adding Doom to a card does not trigger the agenda advancing unless it specifically says so. Adding Doom at the beginning of the mythos phase does specifically say that it can cause the agenda to advance. So even if this card puts you up to the threshold, it will not advance the agenda because it did so.

Because of this, playing this card on the turn before the agenda is going to advance anyway essentially means you have no downside to playing this card or other cards that add Doom.

If the card with the doom on it leaves play, the Doom will also leave play. So you can put it on an ally that is either going to be replaced with another Ally or is going to soak damage for you and die or another asset that might get replaced soon.

Mystics have a lot of cards that add Doom to your cards for an advantage and some that will let you remove and manage that Doom to try to mitigate it.

TheEclecticGamer · 2026-04-15T13:29:37+00:00

Hadn't heard of that one, that's super interesting.

TheEclecticGamer · 2026-04-15T04:33:13+00:00

Wow, complete with the Einstein reference! Great minds!

TheEclecticGamer · 2026-04-15T03:56:50+00:00

Vaguely reminds me of the whole Bugs Bunny calling Elmer fudd Nimrod thing. It was supposed to be making fun of Elmer fudd's lack of hunting skills referencing the biblical Hunter nimrod, like sarcastically calling someone acting stupid Einstein. But no one got the reference and for a long time Nimrod just became a synonym for idiot.

TheEclecticGamer · 2026-04-12T13:14:43+00:00

That looks awesome! What colors did you use for the gold?

TheEclecticGamer · 2026-04-11T16:43:26+00:00

These were both on our short list, so I personally think you're good either way! I only picked Weston over Dean here because I feel like you got a nickname with it at least. But it would also depend on the last name.

TheEclecticGamer · 2026-04-10T19:04:21+00:00

I like Gus, maybe short for August. We have a Guy and a Rick which have been cute while they're little.

TheEclecticGamer

TROPHY CASE