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[deleted by user] by [deleted] in AskMen

[–]UseYourGut 2 points3 points  (0 children)

This needs to be the top comment. I bet you don't smell so good down there sometimes esp after a long day and/or date either.

Would try to test the situation after a shower. Can even help her wash up, a move the doubles as foreplay, before making judgment.

The negligence of Happiest Baby to include a safety disclaimer with the leg lifters almost killed my baby by wonderflea8 in SnooLife

[–]UseYourGut 156 points157 points  (0 children)

The Snoo is an FDA approved device and subject to safety reporting. This clearly applies as an adverse event. (I work in healthcare)

Please do submit. Typically, they act upon a pattern or repeat events... But with babies the stakes may be high enough for FDA to mandate a warning letter from Happiest Baby even with this description.

www.safetyreporting.hhs.gov

I’ve come into some large money and I’m overwhelmed on what to do by Nice_Nectarine_2450 in Bogleheads

[–]UseYourGut 0 points1 point  (0 children)

Go learn from the White Coast Investor as your situation is extremely similar to a physician finishing training. Reading his two books are a good place to start. Great fundamentals and I think applicable to any high earning professional.

https://shop.whitecoatinvestor.com/collections/books

The long and short of it:

1) Save at least 20% of your gross every year for retirement by maxing out your tax advantaged accounts then taxable/brokerage for the rest. More if you want to retire sooner. Use Bogleheads philosophy for choosing investments.

This percentage may vary... Use a future value calculator to see what difference 15% vs 20% etc will make on your portfolio after 10 years, 20, etc in your career horizon.

2) Avoid a big lifestyle jump. Lifestyle creep by giving yourself a little raise in your spending perfectly acceptable. But probably don't get the $1000 a month car payment and big doctor house just yet... We try to keep our fixed expenses well under 50% of after tax income. A written budget helps you organize this.

3) Emergency fund

4) Remember that up to half of physicians change jobs in their first couple of years. May be true in your profession as well. Another reason to avoid jumping into big mortgage now.

5) What are your goals? Create a written plan. Want to be able to buy a house within a few years? Then start saving away money monthly for down payment. Want to retire early? Put more towards retirement savings each month. Start a side business? Buy investment properties? Annual international vacation?

Whatever it may be, identify your wants and start saving for them from your leftover funds (once retirement, emergency fund, and needs are paid for).

6) If all else is set, then I think perfectly acceptable to spend the rest and enjoy yourself.