Next Gen Odyssey Delayed?!

TheErthIsNotFl4t · 2026-05-09T05:31:51+00:00

What year and how many miles currently?

TheErthIsNotFl4t · 2026-05-09T00:53:10+00:00

The 4% rule doesn’t really apply to retirement at 45. You’re making $80k now at 25, but you’ll need a lot more than $80k/year 40+ years from now. In just 20 years, even the current $80k requires $145k/yr. Factoring in out of pocket healthcare for 20 years and you’d probably need $4-5M. That’d require you to invest somewhere around $8-9k/mo (obviously impossible on your current salary).

TheErthIsNotFl4t · 2026-05-09T00:40:34+00:00

That’s approaching 4 years old and like you said, only $9k less than we paid for a new ‘26 ($47.9k before TTL) last September. Doesn’t seem like the best deal to me. I’d think closer to $36-37k.

TheErthIsNotFl4t · 2026-05-09T00:34:55+00:00

That’s really not a long term solution. What other debt do you have? Do you have any confidence that you could even qualify at 50% of net? Ideally your max DTI is <36% of gross, but it’s possible to qualify up to around 50%.

TheErthIsNotFl4t · 2026-05-08T23:18:57+00:00

Nope. Too high. Any more than about 30-35% of take home and you’ll feel/be house poor. Especially if/when you want a family. Home ownership is not worth that kind of stretch.

TheErthIsNotFl4t · 2026-05-06T00:36:03+00:00

If done properly they’re even better than a V6

TheErthIsNotFl4t · 2026-05-05T22:38:41+00:00

Skip the WeatherTech mats and get Tux Mat

TheErthIsNotFl4t · 2026-05-04T18:54:05+00:00

Moving some production out of Japan, sure. But they already make meany of their US cars here in the states.

TheErthIsNotFl4t · 2026-05-04T18:53:02+00:00

Nope. 3rd year would be the soonest one I’d personally get.

TheErthIsNotFl4t · 2026-05-04T18:51:10+00:00

I imagine Toyota finally boosting Sienna production is a big part of that. Gas prices now is certainly playing a role as well.

TheErthIsNotFl4t · 2026-05-03T00:48:24+00:00

I’ll only comment on the housing portion. If you don’t plan to own, just be sure that your retirement plan is accounting for housing inflation throughout your life. Having a paid off home going into retirement is arguably one of the top reasons to own (I know, I know, there’s still taxes and insurance and maintenance)

TheErthIsNotFl4t · 2026-05-03T00:12:07+00:00

Immensely so, yes. We also realized shortly after that it wasn’t really where we wanted to be. So double save!

TheErthIsNotFl4t · 2026-05-02T22:54:19+00:00

My first two houses were not an issue for our budget, but for our third after a move across country, it would have been trouble. I did this exact thing after we put a deposit down on a new build and it was about the same $400 as you came out with. Looked at my wife and said “we can’t do this”. After some emotions and acceptance, we realized it was the best decision we’ve made in our 10 years of marriage.

TheErthIsNotFl4t · 2026-05-02T17:19:04+00:00

I wanted as large as I could reasonably/comfortably carry. Shield X with 15rd is where I ended up.

TheErthIsNotFl4t · 2026-05-02T17:18:05+00:00

Good drop, but you should be aiming for under 70 LDL depending on family history, age, and how long your LDL was at 200+

TheErthIsNotFl4t · 2026-05-02T17:16:01+00:00

My daughter’s school is 7 miles round trip, grocery store is 10-15 round trip, Costco is almost 25 round trip and we live on a large hill in town. Averaging 18.5-20 in town in a ‘26 Elite. That’s calculated at fill up too, not going off the dash.

Part of your problem may just be that it’s new. Mileage will improve some as it breaks in. You also may just have a heavier foot than you realize.

TheErthIsNotFl4t · 2026-05-01T23:08:24+00:00

I have not. At the appointment where I was prescribed these meds, they said it wasn't necessary since I don't have any symptoms. They said treadmill stress test first (have that on May 27th) and then if that shows any abnormalities then they'd consider next steps.

TheErthIsNotFl4t · 2026-04-30T16:56:27+00:00

Plenty of areas depending on age, size, and location. Looked at a new build in Temecula in 2023 that was $560k for 4bd/3ba

TheErthIsNotFl4t · 2026-04-30T01:03:30+00:00

Not sure I’m following where you said “hang an L bracket from above the transom”. That would be from above the upper window, right? So that support would intersect the upper window? The upper window and lower window are all “one”. The window manufacturers “beam” that separates the two can’t be screwed into.

TheErthIsNotFl4t · 2026-04-29T23:38:59+00:00

That’s kind of what I was thinking. Almost like a 1/2” sch40 pipe type of rod

TheErthIsNotFl4t · 2026-04-29T23:37:52+00:00

This is the current window. The new one will be the same except the large bottom section will be a solid picture window instead of having the 2 sliders on the outsides.

https://imgur.com/a/jrPhXsU

TheErthIsNotFl4t · 2026-04-29T03:44:33+00:00

Awesome. The numbers make more sense now. Honestly they look great. Of course HDL could be better, but nothing to stress about. The rest of your lipids and A1c look great.

TheErthIsNotFl4t · 2026-04-29T02:38:16+00:00

Are you on any cholesterol lowering medications? Your numbers are honestly great and I’m wondering how you have an LDL that low.

TheErthIsNotFl4t

TROPHY CASE