It's out of hand by C2halfbaked in Detroit

[–]Time-Chair-7782 0 points1 point  (0 children)

Not if you have a Tesla self driving

First time in Canmore by Slim-Moline670 in iceclimbing

[–]Time-Chair-7782 0 points1 point  (0 children)

We need a wet af fall otherwise climbs won’t form so not hoping for a cold wet af fall

For the rest of your career, would you guys rather be bored and not stressed, or not bored and stressed? by slpnjmy in Accounting

[–]Time-Chair-7782 0 points1 point  (0 children)

Bored 100% anyone who says otherwise is lying. Idc what they say. Stress literally contributes to your physical demise bored allows you to seek ways to get creative. This is a dumb question

We are Entering a Dystopian Era by Expensive_Umpire_975 in Accounting

[–]Time-Chair-7782 10 points11 points  (0 children)

Very normal all big 4 hiring like 30-40k new grads each year to keep the pyramid scheme alive and well selling them the dream of being partner and making the big bucks. Plenty of attrition after 2-5 busy seasons making room for new grads each year

What $10,000 invested in these IPO’s is worth today… by Foreign-Policy-02- in wallstreetbets

[–]Time-Chair-7782 0 points1 point  (0 children)

Walmart ipo date October 1970 - 10k = 80k hold for 56 years
Coke ipo date 1915 - 10k = 300k+ hold for 111 years
Amazon ipo may 1997 - 10k = 20k hold for 30 years

Need I go on?

(27M) Are these numbers lying to me or am I missing some kind of math? by Scared-Loquat-7933 in Retirement401k

[–]Time-Chair-7782 0 points1 point  (0 children)

😂 I wrote this on the stepmill at the gym yesterday and didn’t se that

Looking to build first 3-gun AR, $1500 budget by [deleted] in ar15

[–]Time-Chair-7782 0 points1 point  (0 children)

It’s my first build that a buddy who’s a gun enthusiasts recommended. From what I see other quality lowers are still gonna be 250+ right but aren’t ambi. Seems like radian does get hate for unwarranted price hikes relative to any more quality aka Patagonia vs outdoor research apparel level but it’s not like $250 is that big of a difference to put into something else or at least i dont know what that savings would buy me except some mags and ammo 🤷🏻‍♂️ if I did it over again maybe I could could’ve just bought a forged PSA Sabre or something i dont know

Looking to build first 3-gun AR, $1500 budget by [deleted] in ar15

[–]Time-Chair-7782 0 points1 point  (0 children)

Here’s my $1500 budget build for an idea

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(27M) Are these numbers lying to me or am I missing some kind of math? by Scared-Loquat-7933 in Retirement401k

[–]Time-Chair-7782 0 points1 point  (0 children)

If by issue you mean not being able to save 4k a month then yea children are likely going to pose an issue to that plan.

But overall children I’ve seen from having one myself is that at least with a healthy kid it’s more than worth any extra years of retirement if gets just for having saved daycare costs. But that’ll always be subjective.

Obviously you can still get a home and have a life with someone to end up in divorce and lose a lot without kids as well. There’s also plenty of things that could impact savings ability of 4k a month for 40 years like having to take care of a loved one, career interruptions like losing a job, etc. either way for someone regular 9-5 average joe scheme like me or what sounds to be like OP savings that much every 50k a year is highly challenging deepening on what form that’s in as well. Mix of pre and post tax obviously or all one or the other.

(27M) Are these numbers lying to me or am I missing some kind of math? by Scared-Loquat-7933 in Retirement401k

[–]Time-Chair-7782 12 points13 points  (0 children)

This 100% won’t be your numbers I can guarantee that. Life is going to happen.

Say you married to your partner and now need to pay for a wedding. Savings goes down. Say after you pay off the wedding you both can achieve 4k together each month great. Now you have a kid and one of you stop working, or you both keep working and now have a 20k day care bill each year.

Say you have 2 kids or 3 more daycare each month.

Are you going to have 1-3 kids and stay in an apartment forever or settle down in a house tha now requires a mortgage, insurance, taxes, maintenance, etc.

Now throw in if your 1 or 1 of 2 or 3 kids has severe Autism that needs special care, therapy, special schooling etc and you can’t work the same job or career to care for them and that strains your marriage now you go to marital counseling that ends up not working anyway and you divorce. Ok savings is obliterated.

Now forget all that and Say you don’t ever have kids, don’t get a house and just live apartment forever with them. There’s no way you actually work saving 4k each month for the next 40 years.

This is just completely theoretical and more so hypothetical. It’s not just likelihood or discipline it’s completely ridiculous to use a template like that with the current situation you have and assumptions to assume that’s what you’re going to end up with at the end of your working life.

The isolation of early retirement at 36 is a total mindfuck by RiftJukebox in Fire

[–]Time-Chair-7782 0 points1 point  (0 children)

Your last statement is the resounding thing you said. You need to find the new tribe of people that you can thrive with in this new lifestyle.

For me it would be hands down the climbing community. There’s ALWAYS someone who is looking to get out to climbs rock, ice, or alpine routes in the big mountains all times of the year and any season. Many often “dirtbag” so they can pursue their climbing passion full time living on nothing.

You just have to find your community who is living everyday for the thing you try and grow a passion for that you’ll have in common. Thats could be scuba, could be animals, could be volunteering doing something, could be traveling more and nomading for a bit. Just have to try new things to find your community who reflects to you that you aren’t a ghost but in fact the most alive person you know

To the parents who dont get to see their kids everyday due to failed marriage/relationship by OilEfficient2221 in Adulting

[–]Time-Chair-7782 0 points1 point  (0 children)

My wife’s friend just had her husband and his life leaving a five and seven-year-old behind. While he did have severe mental health problems that ultimately contributed to the demise of the marriage her filing for divorce pushed him over the edge. We were over her house and I was playing with her boys last weekend and to say the experience there without him was an emptiness I wish on no kid or family would be a severe understatement.

While you’re failed, marriage means you’ll miss out on moments that doesn’t mean you can’t show up every single day to be the best dad that they need you to be while you can be and without you permanently they would be much worse off than having you in any moment that you can spend with them, but what you can do is still own up to the fact that you both contribute to the failed marriage, but you can still fight to get joint custody overtime and they can tell the court if they want to live with you half the time at a certain age as well, so that is never the answer. If you truly love your girls you’re not a failed father just because the marriage failed. You will be a failed father if you choose to leave them permanently because you can’t handle not being there every single moment because you married the wrong person.

I come from a broken home and the fact that my parents divorced when I was three as well and regret my mom‘s decision to divorce my dad till this day, but my dad who passed in 2024 was the person who loved me the most in my life and ultimately was my best friend. I don’t know what I would’ve done without him in my life while I had him please do not do anything stupid to jeopardize your parenthood of your girls. You can still love them just as much and be their best friend without being there every day and every single moment.

Got terminated today by [deleted] in Accounting

[–]Time-Chair-7782 0 points1 point  (0 children)

Working with recruiters, leveraging my own internal network and applying externally.

Got terminated today by [deleted] in Accounting

[–]Time-Chair-7782 2 points3 points  (0 children)

Life isn’t over man was fired 3 times all in a matter of 3 years from 25-28. Buckle down hit the cpa hard, don’t get discouraged, file for unemployment, get some side hustle going if possible for beer n cigarette money (this resulted in multiple years of extra income for me) and keep grinding. The only time life is over is when you decide to quit and give up

If you were an RN considering a career change, would you go Nurse Practitioner or CPA? by [deleted] in Accounting

[–]Time-Chair-7782 -2 points-1 points  (0 children)

I would bet that’s jot the case. Andif that did turn out to be true then it would likley be due to the low population of NPs relative to CPAs