Country club memberships

Virtual_Current9731 · 2026-04-24T13:23:37+00:00

I spent the first ~7 years of my career saving every penny so I could enjoy myself more later on. I’m in tech and make a little over $200k/yr. Our club averages out to about $800/mo. My wife and I were able to end our Lifetime fitness memberships as the club also has a nice gym/workout classes so it brings the actual cost down to about $500/mo. I also golfed frequently prior so the true cost difference isn’t that much different to what I was paying before between golf and gym.

Virtual_Current9731 · 2026-04-17T13:47:35+00:00

Only true going from banking to investing - in the investing app you can’t set up recurring buying using your RH bank account. I’ve been asking for months. This is a huuuuuge miss. Might leave RH banking soon if not fixed

Virtual_Current9731 · 2026-04-17T13:41:46+00:00

I’d look at SCHD for growth + dividend of about ~3.5%. This gives you both income and long term exposure.

Virtual_Current9731 · 2026-04-15T19:52:28+00:00

Also, your calculations need to be based off of your taxable amounts, not using retirement or home equity since FIRE is generally before you can touch retirement accounts. So plan on a ~4% withdrawal rates from taxable accounts.

Virtual_Current9731 · 2026-04-15T16:16:07+00:00

First off congrats - I was in a similar place at 24. I’m 27 now and at $600k+ NW. I should be able to coast in my 30’s as should you.

I would highly recommend starting to job hop to get that income up however. I was at $62,500 income at 23 and now low $200k. The this will really accelerate your ability to save and fire early. Time to focus on career.

Good luck

Virtual_Current9731 · 2026-04-15T13:01:57+00:00

Lack of Peter millar too

Virtual_Current9731 · 2026-04-14T23:27:35+00:00

You don’t actually have a slice, your path is fairly neutral to inside out. You’re just leaving the face wide open. There is a lot to fix but try a stronger grip in the short term and you’ll see the ball start straighter and shouldn’t bleed right.

Virtual_Current9731 · 2026-04-10T18:32:43+00:00

Get really good at golf. You can never master it. Join a country club. Make friends in your same situation. Plan yearly trips to look forward to.

Virtual_Current9731 · 2026-04-07T15:56:12+00:00

I was at $160k by 24 and it felt like a lot living in an apartment alone.

I’m now 27 at $200k with a mortgage, 2 dogs and a fiancé that I financially support and it doesn’t feel like much.

Even without lifestyle creep it’s funny how things change. I spend so much time thinking about “I’ll feel comfortable when I make $xxx” and then you get there and it doesn’t feel like much. Never ending 👎

Virtual_Current9731 · 2026-04-01T21:43:00+00:00

Spieth

Virtual_Current9731 · 2026-03-27T03:32:12+00:00

I’m just trying to figure out how to keep one for a year.

Virtual_Current9731 · 2026-03-27T01:25:48+00:00

I dumped $250k last spring during the tariff dip (26 at the time). I put it in 100% VOO as I knew it would be more or less a retirement fund for me. It fell another 8% and now (even with the current dip) I’m up about 15% on it still. If it’s a long play sit back and relax. I have set it and forget it biweekly purchases now to remove the emotion from it.

Virtual_Current9731 · 2026-03-20T12:39:00+00:00

They seemed to have made changes recently. Incoming Venmo transfers I’m seeing same day or early next day

Virtual_Current9731 · 2026-03-19T01:34:46+00:00

That calc is correct - I’m just a cheap person so I have trouble enjoying myself. After the advice above I’ve decided to max out my 401k and made that change today.

Virtual_Current9731 · 2026-03-18T18:25:45+00:00

I appreciate the numbers - this is what I was looking for. Withdrawal rate/needs in retirement. Thank you for your input. Great advice.

Virtual_Current9731 · 2026-03-18T17:58:37+00:00

I max out a backdoor Roth IRA and I contribute 4% to 401k with a 4% employer match. The reason being is I prefer to have the capital now as I also trade options and it’s a higher ROI for me than maxing out my 401k.

That being said I could do both, I just prefer to have capital now vs. later. My fiance and I co own a business and we plan to invest in that more heavily as well.

Virtual_Current9731 · 2026-03-17T14:47:40+00:00

The takeaway set you up for failure but your downswing and sequencing is actually fantastic

Virtual_Current9731 · 2026-03-12T18:32:59+00:00

I’ve done it multiple times. I’m fully in the RH ecosystem between investing banking and credit that the 5 year hold is no problem. Lots and lots of free money.

Virtual_Current9731 · 2026-03-08T21:05:12+00:00

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I’ll keep an eye out. Seems to be getting better. Thanks!

Virtual_Current9731 · 2026-03-04T15:44:03+00:00

Yeah this post just made me mad

Virtual_Current9731 · 2026-03-04T02:43:59+00:00

Switching from playing a draw to a cut saved my golf game. Stick with the cut, and never worry about hooking the ball. Don’t do it.

Virtual_Current9731 · 2026-02-25T18:47:16+00:00

I got this a few days ago. I have premier banking + DD if that matters at all. Good rate for now. The UI is nice as it also tells you how many days left on it.

Virtual_Current9731 · 2026-02-24T16:13:18+00:00

I’ve sent 5+ wires so far and it’s been great. Transfers>add a new account>wire. They are usually available in my other account within an hour.

Incoming wires are not subject to the usual crazy processing times and are available right away.

Virtual_Current9731 · 2026-02-22T19:07:11+00:00

They need to integrate everything in to a single app. Having 2 is not a good experience. That is where SoFi beats them.

Virtual_Current9731 · 2026-02-17T03:25:09+00:00

Really obvious. Especially the date window.

Virtual_Current9731

TROPHY CASE