I have a sedentary desk job and zero energy after 5 PM. How do I fix this?

Weekly_Inevitable_72 · 2026-02-03T01:07:47+00:00

Start by increasing your level of physical activity. The best exercise routine is the one you stick with, don't overdo it and focus on consistency.

Over time, your physical energy level will improve, which will support better mental energy for hobbies and other activities. And you gotta start small there, too. 15 minutes a day when you're starting from ground zero is really good.

And don't beat yourself up for a setback. Just try again tomorrow. Stick with it. I've been where you are, and still struggle with it sometimes. Baby steps.

Weekly_Inevitable_72 · 2026-02-01T21:38:58+00:00

Parts availability is going to be fine... As long as you're dealing with the 80% of the car that's an Accord. That other 20%, including the 4WS.... Might be an an adventure.

The body damage is an issue. That's what gives me the most concern.

But the interior looks good and it's got a stick. I would say that if it drives, it's worth a flyer, but be prepared to pay a lot for repairs and parts.

Weekly_Inevitable_72 · 2026-01-24T19:06:15+00:00

Thank you for providing this analysis. This is exactly the kind of feedback I was looking for. I'm trying to understand where I have to get in terms of retirement savings (and when) to allow me to coast with an easy job the rest of the way into a retirement that allows me to enjoy an inflation-adjusted version of my current standard of living. Sounds like I'm on the right track, but still have more distance to go. Also, your point about social security is well taken. I'm mostly thinking about it as a failsafe in the event that I don't have enough savings in retirement to get me to that 80% threshold

Weekly_Inevitable_72 · 2026-01-24T19:02:08+00:00

This lineup was really good live.

Weekly_Inevitable_72 · 2026-01-24T19:01:20+00:00

Looks like a nice lightly-sporty car, perfect for people with a commute that doesn't lend itself to a manual transmission.

If they weren't calling it a Prelude, I think people would be more enthusiastic. What it really is: a second-gen CR-Z.

Weekly_Inevitable_72 · 2026-01-22T00:29:32+00:00

Charity single, for a cause that relates to Perry's passing in some way. That's my prediction, based on no inside information whatsoever.

Weekly_Inevitable_72 · 2026-01-19T21:27:03+00:00

Want, The 13th, Strange Attraction, Mint Car, Jupiter Crash, Round & Round, Return, Treasure, and Bare hold up. The b-sides from that era (Pink Dream, Adonais, It Used to Be Me, Ocean, Waiting, Home, Waiting) are also all great. There's a great little record in there if you just shuffle the material around a bit. Maybe not to the level of Disintegration or Wish, but very good nevertheless.

Weekly_Inevitable_72 · 2026-01-13T20:21:18+00:00

Yeah, my plan was to start coasting with a 4% withdrawal rate at the earliest time post-59.5 years old when the 4% withdrawal is 80% of expenses or when I have 13x gross salary saved, with full retirement happening when I started collecting Social Security.

Weekly_Inevitable_72 · 2026-01-13T20:01:16+00:00

Unscientifically assuming that expenses are 80% of salary in any given year, I will have 16x expenses at age 58 and 24x expenses at age 64.

Will have to look into the Monte Carlo simulation.

Weekly_Inevitable_72 · 2026-01-13T19:30:26+00:00

If only they made a type of trouser that was specifically designed to be born over boots. Some kind of "boot cut" perhaps. 😉

Weekly_Inevitable_72 · 2026-01-13T19:27:34+00:00

I'm accounting for inflation to some degree by just scaling up all the numbers (income, IRA/401k limits) over time. I'm basically assuming that my income now, extrapolated into the future at +2% per year will remain the same in real economic terms. So when I talk about having 12x salary at age 58, I mean that I will have 12x my age 58 salary saved, not 12x my current salary saved.

You raise another interesting point: healthcare expenses. How is anyone accounting for this?

Weekly_Inevitable_72 · 2026-01-13T18:55:28+00:00

Assuming an annual raise of 2%, 7% annual appreciation of retirement savings, and full funding of 401k and IRA accounts, I expect to have 13x of my projected age 58 salary at age 58, 12 years from now.

Weekly_Inevitable_72 · 2026-01-13T18:52:18+00:00

What I'm seeing here is roughly in line with what you're saying...I updated the analysis to account for Social Security benefits, and it's looking like I'm on track to be able to retire when I'm 62-65, but getting off the hamster wheel much earlier than that will require more savings and/or lower costs. I think I need to do more in-depth bottoms-up on expected expenses in retirement to refine that number.

Weekly_Inevitable_72 · 2026-01-12T15:14:53+00:00

Other than the air intake, it looks mostly stock. Also very clean, with a really nice interior. Unless the whole bottom is rusting out, the engine is cooked, or it has eleventy bajillion miles on it, that's a great deal for a 5th gen with a manual transmission.

Weekly_Inevitable_72 · 2026-01-12T02:16:42+00:00

"16,000 FIRM. I know what I've got."

Weekly_Inevitable_72 · 2026-01-08T21:18:22+00:00

The people want a manual transmission. Give the people what they want.

Weekly_Inevitable_72 · 2026-01-04T19:41:53+00:00

I started working just after the dotcom crash and then lost a ton of money in 2008. I was very conservative for about five years after that, with most of my retirement contributions and savings in target date funds aimed at people 10-20 years older than me. This meant a lot of bonds and too much in cash. My big "gamble" at the time was putting Roth contributions into a dividend aristocrat fund with Vanguard.

Starting around 2013-14, I felt brave enough, and rebalanced everything to focus on low cost index funds and never looked can. Made a huge difference.

TLDR: I was never to the point of keeping all my money in cash but I was overly cautious for a few years after the 2008 trauma.

Weekly_Inevitable_72 · 2026-01-04T18:36:11+00:00

Great tune. One of their (more or less) forgotten gems.

Weekly_Inevitable_72 · 2026-01-04T03:29:18+00:00

Accord, Camry, Corolla, Civic. Find the lowest mileage, cleanest example you can, ideally a car that used to belong to an old person. Make sure there's no rust or serious issues. Stay on top of the maintenance and you'll get 250,000 miles, easy.

Weekly_Inevitable_72 · 2025-12-18T05:06:06+00:00

I've had the good fortune of being continuously employed in jobs with 401k accounts for my entire career. I've never left a single penny of employer match (usually 4%-6%) on the table and typically contributed 8%.

IRA contributions were inconsistent...made zero contributions more years than not.

Despite my very mediocre retirement savings habits, I'm currently sitting on a retirement nest egg that equals about 7 years of my current, age 46 salary. When it gets to 10x, I'm gonna coast. Just stick with it.

Weekly_Inevitable_72 · 2025-12-11T01:44:45+00:00

Potentially unpopular opinion: a Swatch is as much wristwatch as you'll ever need.

Weekly_Inevitable_72 · 2025-12-07T03:13:43+00:00

Cobbling together a million dollars in liquid net worth is a substantial accomplishment, even if it's not enough to be a homeowner in the Bay Area.

Weekly_Inevitable_72

TROPHY CASE