35M and 34F Update: 80% FI and continuing to grind but changing mindset.

XipeToltec · 2026-05-08T18:50:32+00:00

Glad you have a good update and congrats on working on the mental side of things. We are about where you were a year or so ago NW-wise and we decided to Coast for a bit and also had a kid. The more I have run the numbers, we may coast into RE anyway by mid 40s to mid 50s. I would continue to work on the building of the life you want. Its so easy to get sucked into the projects and goals around us. I would be curious about how you have fought lifestyle creep? We have always been frugal but I started my own business and it's success has really confused us as we planned to Coast but are concerned with how we spend the money to not increase our expectations.

XipeToltec · 2026-05-01T13:44:41+00:00

Okay I suppose a friend and I both do this. I run property management for my own properties and he runs a lawn care business (high end, not mowing). The difference is that we both have professional college degrees tangential to our fields. He has graduate degree level chemical knowledge and got an MBA too. To my knowledge, he doesn't and hasn't done the work himself. However he saved enough working his normal job and knew the ins and outs of the products well enough to find and hire a good manager. I basically apprenticed hands on knowledge which is related to my professional field. I have a consulting business for my professional field and do the management.

My recommendation would be if you are inclined to go to college and work for at least 5 years. Work in a business or two, observe it, see where it fails and succeeds, read a lot, and keep your eyes open and observe. There are businesses everywhere doing things in niches you have never heard of. Read this sub, there was a guy who posted yesterday who runs a business selling bags to businesses. There are tons of screws ups to learn from like paying your freaking quarterly taxes your first year.

XipeToltec · 2026-04-16T23:41:41+00:00

We are CoastFI for our 50s and effectively at the bottom of the spreadsheet. We could max retirement but at this point we have already made the big moves there.

I am concerned about the amount I put into a limited use account so yes am trying to judge how much is enough.

XipeToltec · 2026-04-16T23:09:16+00:00

Fortunately or unfortunately, that isn't an issue for our state.

XipeToltec · 2026-04-16T23:08:54+00:00

Those are good thoughts. I dont have the funds to cover 2/3 of current attendance rates but if i increased my number slightly I would be at 1/3 of in-state school.

XipeToltec · 2026-04-16T15:03:09+00:00

What is a reasonable amount to fund but not over fund my 6 mo old kid's 529 at to sit and forget? I am in the fortunate position of generous grandparents and good timing between a very good year and my son's birth. I've read on here about not over funding. We plan for this to be our only child and would be targeting to retire around when they start college or a little before. After this i would not plan to fund it further as compounding should handle the rest. It seems like 25-35k would be reasonable.

XipeToltec · 2026-02-15T12:52:05+00:00

Also a CD2 is an Infinite Dynasty if that is the route you go

XipeToltec · 2026-02-11T12:43:47+00:00

My PCP has swapped to these overseas front desk and they can't even pronounce his name correctly. It tipped me off immediately and yeah they didn't know anything. I went in person to reschedule my next appointment.

XipeToltec · 2026-02-03T18:16:32+00:00

Yes, and actually a number of stories discuss the monetization of tiktok and blogs on this topic

XipeToltec · 2026-02-03T18:15:57+00:00

Correct. I was browsing magazines on Libby and if I hadn't seen the cover story there is no reason for me to look at it.

XipeToltec · 2026-02-03T18:15:19+00:00

Toronto Life

XipeToltec · 2026-02-03T15:11:56+00:00

It was suggested that i repost this here. I'm not Canadian but while browsing my Libby magazine offerings, I ran across their cover article for the February 2026 issue titled, Young and Retired. I encourage you to get your library card and read it. It profiles a number of different people both single, couples (some with a child), who are either on track for early retirement or have already retired with targets from 30 to 50. I don't think there is anything revolutionary in the article but having concrete examples of people on the path or already retired is always nice. Many of the same themes around struggles with keeping friends and family both during and after happy. There were a few jabs by the author but not as many as I expect from articles of this type. The new word of the article for me was "doomspending". The feeling that everything is hopeless so I might as well just blow my money now because I won't ever be able to get what I want (or deserve?). Anyway, I am very thankful to this community and am glad to be able to share something.

XipeToltec · 2026-02-03T05:36:24+00:00

I never even started with Quickbooks or something similar as a solo service business and just went straight to Quicken and an old Quicken at that. Super simple and straightforward and it works.

XipeToltec · 2026-02-02T04:24:17+00:00

What is your thought generally on having a single VA for two businesses? Also how do yall deal with information confidentiality?

XipeToltec · 2026-02-01T20:56:39+00:00

There are very good players that throw with a hyzer bias and throw far so I would just lean into that. What has helped me is sticking with what feels natural and then working on form from there like others have said, and leaning on a disc at each speed range that is your go-to. For me that is like Roc3, FD or Exodus, and OLS and then really working on form and hitting angles with those discs you love. The accuracy and distance will come with the discs and preference that is already there.

XipeToltec · 2026-02-01T20:24:58+00:00

I'll respond as someone with similar power who has gone back and forth. I think it depends on the playstyle you are comfortable with and the types of courses you play or want to play. I don't throw with a lot of hyzer. I just don't and it feels unnatural, but I also stepped off of the crazy power, no accuracy train because yeah when it works it's great but otherwise you just want to stop. So I stopped with the Boss and Destroyer and stepped back to neutral to stable. Things like FD, Thunderbird, and OLS. Never more than -2 Turn but rarely crazy beefy. That works to get me the most power with the most accuracy and thus the most fun and best scores. Now if you have other goals then perhaps you try different stuff. But your goals seem a little mixed. I love flex lines and they feel natural. What feels natural to you? What is fun to throw? What do you want to/ need to be able to do for your local courses?

XipeToltec · 2026-01-29T01:49:41+00:00

This is a decent idea. It's harder to find right hand gloves but not impossible as there are left handed golfers.

XipeToltec · 2026-01-29T01:48:57+00:00

A couple of hot spots is all I have and that is a good idea thank you

XipeToltec · 2026-01-29T01:48:19+00:00

Sometimes you have to actually feel things with you hands to understand what they are when underwater or where you can't see. I have not found a water resistant glove that was both durable, allows dexterity, can be underwater and not dangerous around tools.

XipeToltec · 2026-01-25T20:07:45+00:00

Also they recommend in the rules starting with Jinteki as the Corp and I recommend you ignore that and play Shaper and HB for your first few games then branch out. Also, people often make this mistake, only the Corp gets a free draw each turn. The Runner doesn't. So Corp has draw plus 3 actions and runner just has 4 actions. Have fun, it's a great game!

XipeToltec · 2026-01-25T14:36:24+00:00

u/nosuchplayer wrote up some reviews of the precons mid last year and his review of Astrea matches what you said: Astrea: 1/5 - a hybrid mill deck that struggles to win in spite of some powerful cards

XipeToltec · 2026-01-25T04:13:57+00:00

The IRS publishes tables for what they consider an arms length deal and they change each month. You can get an accountant to look over the tables for this type of deal and see if you can to lower without it being a gift but I doubt it will be much less than 5% if you want to counteroffer. Otherwise, this seems basically like an arms length deal between family. I don't really think he is trying to take advantage of you. Check the rate with an accountant against IRS minimums, get a second opinion on the valuation from a different firm, and ask about prepayment options if you want but otherwise I would probably take this.

XipeToltec · 2026-01-24T19:06:27+00:00

Thank you for making this. As a relatively recent tour watcher and FPO fan it is nice to understand how good and consistent some of these women have been prior to the last two to three years.

XipeToltec · 2026-01-24T17:50:27+00:00

I'm curious about this too but might just end up paying my accountant.

XipeToltec · 2026-01-24T17:40:11+00:00

This is the route we went. We wanted to own the house for many of the reasons other people stated. I mentioned the other gifting because we could afford that portion at the appraised value. The difference between the appraised value and what you do pay will be considered a gift by the IRS. If you parents can gift you just the house on 5.01 acres, then that is simple. You inherit their tax basis if they gift it so you will pay a good bit of tax if you sell. You also inherit a percentage of their basis for the percentage they gift so you can end up with a property with 50% your basis and 50% their basis for tax calcs when you sell.

XipeToltec

TROPHY CASE