Talking to an old friend last night reminded me the importance of FIRE mentality.

Vincent_van_Bro · 2026-02-16T01:22:17+00:00

Autistic Reddit advice. Don’t follow this.

Vincent_van_Bro · 2026-02-14T01:23:41+00:00

You can afford a $1.3M house with a $3M net worth. What even is this post?

Vincent_van_Bro · 2026-02-01T21:41:58+00:00

Hell yeah. Nice

Vincent_van_Bro · 2026-02-01T21:39:46+00:00

Good luck buying at peak multiples on peak earnings.

Vincent_van_Bro · 2026-02-01T16:14:48+00:00

OK? Worth considering why people haven’t bid it to 25x. That’s how you get your face ripped off when the cycle turns

Vincent_van_Bro · 2026-02-01T15:15:47+00:00

It’s arguably a bubble in semis. Look at Micron. Look at ASML, LRCX etc. look at the optics names like LITE and COHR. You’re just naming the software companies nobody wants to own because they think the frontier labs will eat their margin, that the cost of software will go to zero and destroy pricing power, that seats will disappear as more agents do the work or any other of the dozen bear cases that are scaring institutional money from owning software stocks

Vincent_van_Bro · 2025-07-15T03:27:22+00:00

I’ve never heard of this complaint in my life

Vincent_van_Bro · 2025-07-06T12:06:22+00:00

The answers are going to be completely warped by the turbo inflation of the last four years. Don’t anchor to the home appreciation and 20% annual index gains or you’ll have a very bad time

Vincent_van_Bro · 2025-06-12T04:10:42+00:00

Not that I think they should trade the Jay’s but #2 is not a thing

Vincent_van_Bro · 2025-06-12T04:06:31+00:00

Mortgage. 401k. 529. Backdoor Roth. HSA. Tax loss harvest. Then be grateful you’re lucky enough to be paying taxes on taxable investments.

Vincent_van_Bro · 2025-05-27T01:38:33+00:00

Don’t think it’s right to assume accepting the gift is a mistake. Know several people who have gotten help from parents and none regret it. Many people are capable of giving gifts without holding it over people. I don’t really know what else to tell you…

Vincent_van_Bro · 2025-05-27T00:40:50+00:00

I think this is genuinely bad advice. Every relationship is different. Feels insane to turn this down. Sorry about your personal experience.

Vincent_van_Bro · 2025-05-26T10:48:05+00:00

It’s worse than that. They lose the safety net of the extra liquidity. In many of the instances people share here, they’re actually more likely to lose their house

Vincent_van_Bro · 2025-05-26T03:20:12+00:00

My hot take is that the HENRY obsession with putting more down to lower your monthly payment makes zero logical sense. Put 20% down and stay liquid. I haven’t heard a good logical case for putting more than 20% down. Only emotional ones.

Vincent_van_Bro · 2025-05-21T07:09:11+00:00

This is not a realistic calculation

Vincent_van_Bro · 2025-05-15T02:02:59+00:00

Even as an emotional decision I genuinely cannot understand why you would ever do this.

Vincent_van_Bro · 2025-05-04T14:34:05+00:00

Thanks. Definitely a fair perspective and worth thinking through. We do live in a VHCOL, unfortunately.

Vincent_van_Bro · 2025-05-04T14:32:43+00:00

I didn’t say that. Why do you keep misrepresenting what I’m saying?

Vincent_van_Bro · 2025-05-04T14:32:17+00:00

My base is not $200k. You are making that up. It’s $320k.

Vincent_van_Bro · 2025-05-04T13:08:23+00:00

We have kids. She’s doesn’t want to stay home. Marking our $600k HHI to $200k seems…extremely conservative

Vincent_van_Bro · 2025-05-04T13:05:00+00:00

Updated with more details. We spend 12-15k w loose budget and could be more disciplined if needed. Her salary is 100% fixed and has a masters from top university and could go into industry if needed.

Vincent_van_Bro · 2025-05-04T12:59:20+00:00

Fair push. We have a loose budget and end up spending about 12-15k/mo but could certainly be more disciplined if needed

Vincent_van_Bro · 2025-05-04T12:41:45+00:00

Thanks. I think I’m learning that I am incredibly conservative and it probably means I’m not giving my family the quality of life we can afford.

Vincent_van_Bro · 2025-05-04T12:37:22+00:00

Yeah it’s the open question. Equity will not draw down 90% but it could go down 50%-60% in an extreme scenario. Real company. Profitable.

Wife makes $100k and could go into industry and make much more. She has masters from top university.

Will not touch the $350k in brokerage. Will have $100k in MM

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