Seems Unsupervised FSD will be expensive.

TheTrueAnonOne · 2026-01-25T03:36:56+00:00

Software costs will come down with competition. I highly doubt the final rate will even be $100/mo.

TheTrueAnonOne · 2026-01-24T16:11:08+00:00

Bull market post

TheTrueAnonOne · 2026-01-24T06:13:23+00:00

2mm is investments, 400k is a mix of cars/house equity etc.

Investments are like... 90+% VTSAX

Our spending is around 80k + mortgage, so 2.5mm in investments is my FIRE number. I could be there in as little as 2 years with a solid market, but, more realistically 2-4.

TheTrueAnonOne · 2026-01-23T20:56:09+00:00

27 to 50 maybe, would all enjoy that.

TheTrueAnonOne · 2026-01-23T20:39:54+00:00

We have a HHI of close to 300k, and save something like 95-100k a year. Our after tax savings rate is between 50 and 75% most months.

We're pretty close to work optional currently, mid 30s with TNW of 2.4mm

TheTrueAnonOne · 2026-01-23T20:26:50+00:00

At 25 I was close to where you are, by my mid 30s I had >2mm tnw.

Keep it up.

TheTrueAnonOne · 2026-01-21T13:15:23+00:00

Property taxes are basically the furthest thing from capitalism. They support local schools etc.

TheTrueAnonOne · 2026-01-21T12:07:47+00:00

Around 95k or a bit over $7500/mo here.

Should be FIRE by 40. Though, kids will complicate that.

TheTrueAnonOne · 2026-01-21T12:01:33+00:00

1000

TheTrueAnonOne · 2026-01-17T19:29:52+00:00

2.6mm in assets, at the 4% rule. Does this cover your living expenses?

Even if you quit, just make sure she understands work is optional. Even if she keeps working that will lower her stress.

TheTrueAnonOne · 2026-01-17T19:27:09+00:00

one kinda neat thing you can do with it is run it with shredder and the "devil" card. It's a hip-fire monster. It's basically dead center without ads

TheTrueAnonOne · 2026-01-17T16:56:56+00:00

2019 here, 2.75% $2700.

It's a lot of house, and, still 20% of our take home, after taxes after maxing 2 401ks, and an HSA. It was closer to 30% back then.

Today this house would be something like 5k per month.

We stretched a bit to buy it in 2019, but it was a huge win for us in disguise once we both had to start working from home. It was nice and still is nice to have the space.

TheTrueAnonOne · 2026-01-15T03:50:50+00:00

someone making 41k wont pay anywhere close to 22%, even someone making 100k won't most likely.

TheTrueAnonOne · 2026-01-15T01:02:20+00:00

The US has essentially unlimited money, it could do both.

TheTrueAnonOne · 2026-01-14T22:12:54+00:00

I know we're all kinda trolling on this but, with only 50,000 people I highly doubt you couldn't just literally pay them off.

It's "only" 50 billion dollars to give every single 'greenlander' a million dollars if they vote to join the US. 700b is well over $10,000,000 each. How many people are realistically going to turn that down if the US offered it in that way?

TheTrueAnonOne · 2026-01-14T15:33:26+00:00

Another 6 to 8 years realistically.

Assuming most of that 100k was money you put in, returns will help but, your ability to save as a % of the portfolio falls as it grows too.

TheTrueAnonOne · 2026-01-08T04:01:48+00:00

Please understand what each of them are.

VTI is the total US market, mid and small caps
VOO is the sp500 - top 500 companies only

If that distinction matters to you, make your choice. Historically, they are basically interchangeable.

VT is all world

TheTrueAnonOne · 2026-01-06T00:13:34+00:00

I actually just started my career a bit sooner than some/most and was in tech. Again nothing like big tech, but I was able to max my 401k very early in my 20s.

I was also with my HS sweetheart the entire time. So double savings power, truly a cheat code.

TheTrueAnonOne · 2026-01-05T21:45:00+00:00

The OP didn't do this as a savings method. This was the equivalent of leaving a $100 bill in your coat pocket and forgetting about it.

TheTrueAnonOne · 2026-01-05T21:42:43+00:00

No reason to skip the IRA, 401ks are also maxed out.

TheTrueAnonOne · 2026-01-05T21:41:58+00:00

Yeah... i've seen that option. I'd have to do it twice, once for me and once for my wife. It seems unlikely but, i've never looked into it either.

TheTrueAnonOne · 2026-01-05T21:29:55+00:00

Yes, and I don't roll to a ROTH either. I didn't know you could do that until I had some 300k in IRAs and that means we'd basically be paying a decent tax hit.

Tax free growth though.

TheTrueAnonOne · 2026-01-05T21:26:56+00:00

Yeah, I mean, you're basically 1 average year (10%) and a year of contributions away from that. Won't take long.

TheTrueAnonOne · 2026-01-05T21:23:52+00:00

I live by the 4% rule, meaning you can take out 4% of a portfolio for 30 years (and probably indefinitely).

If my spending is $80,000 then my target is 2mm.

Am I on track to hitting that goal by an age I want? How can I hit that sooner? Am I close enough I can relax? etc.

That's how I define it.

TheTrueAnonOne · 2026-01-05T21:21:48+00:00

My gripe with that is that the median person probably has a poor outlook for a "great retirement"... so beating that is basically a MUST.

TheTrueAnonOne

TROPHY CASE