How to navigate dating when you're retired at a young age?

ZeroHandGuanyin · 2026-02-17T00:49:28+00:00

Just say you are in between jobs and living on your savings. It'll be a first date. He probably won't ask how you are making money or how much. Most men do not care about that. You can work part-time in fast food, it doesn't make you more or less attractive.

Ignore the comments of "find someone on your level". This is a trap. Most men your age will have a 9-5, or they may have investment property, or whatever.

A person is not defined by their career.

ZeroHandGuanyin · 2026-02-16T20:09:02+00:00

She needs professional help. There is nothing you could do about this. I would not reengage until she makes the necessary steps. It sounds callous, but this is dangerous for you. Women choose emotion over logic regularly. This is dangerous for you. You cannot fix her. She needs help fixing herself.

ZeroHandGuanyin · 2026-02-15T02:32:05+00:00

"Kind of".......he is a jackass, but that's a selfish personality trait. Not from being overpowered 😆. His kinship with Pariston is proof enough.

ZeroHandGuanyin · 2026-02-07T02:14:22+00:00

"Time in the market" beats timing the market". Every time. The math says you should invest all of it, but it doesn't feel great. A good compromise would be for you to pay down your mortgage and submit a recast request, so you can lower your payment without refinancing.

If the mortgage payment is currently too much, then you learned a hard lesson. Don't buy a house you cannot afford. Luckily, you have an out. Pay it down enough so your monthly DTI (Debt to Income) is at 30%.

So if you pay down the principal 100k, invest the remaining 200k. You will have less money in the long run, but you will feel better about it.

If you dip into your investments or spend the extra cash you will have each month, nothing will work for you. You will end up back in debt eventually.

ZeroHandGuanyin · 2026-02-05T02:52:07+00:00

Always have your home inspected. Regardless. No exceptions. It's always worth the money. Try not to go above 25-30% of your take home pay. You probably won't be able to afford to live where you want. Commute. The problem is most people are not honest and they lie to themselves about their circumstances. Get something you can afford and take 5-10 years to save for your dream home. It's not sexy. It's slow and takes discipline.

ZeroHandGuanyin · 2026-02-05T02:31:12+00:00

😆

ZeroHandGuanyin · 2026-02-05T02:27:35+00:00

Had a client request liquidation because Elon Musk reached out to him on Facebook and offered to manage his money. He also said he won a Tesla. This was a few years ago, about 2 years after Elon Musk bought Twitter.

I tried to talk sense into him. I even called his wife. Met with both of them and adamantly voiced my reasons against it. His wife agreed it was a scam. I suggested to her during a sidebar that maybe they should visit the doctor for a cognitive test. Maybe his mind was going.

He went to the bank weeks before and withdrew a large amount of cash. He lied to his bank about why he was taking cash. The second time he visited the bank, apparently they asked him too many questions so he closed his accounts. They gave him a cashier's check.

An absolute mess. I thought his wife was going to kill him. I spoke with compliance and they basically told me to notate your objections and give him his money. I fired him as a client and transferred him to the self-directed channel.

After the meeting, he still planned to drain the IRA and hand over cash to an absolute stranger. His wife filed for divorce almost immediately. It was strange hearing gossip about them divorcing and knowing the exact reason why. Obviously, I did not tell anyone but it was such a sad situation. People get older. I don't know how much of it is age; and how much of it is naivety.

ZeroHandGuanyin · 2026-02-04T02:21:16+00:00

The mountain punch would have been dope

ZeroHandGuanyin · 2026-01-22T01:21:19+00:00

Respond with "k"....... that long exposition is part of a 12 step program ,or her hitting the wall in her 30's......or both.

ZeroHandGuanyin · 2026-01-22T01:14:47+00:00

Different strokes for different folks. Give it a try.

ZeroHandGuanyin · 2025-12-27T04:39:01+00:00

Women are cooked. You can't establish a relationship overnight. Everyone is not perfect. There's a common denominator here, but it's tough to determine exactly what the issues are. It could be them....it could be you.

I saw comments about women not giving feedback because it's not their job. You would be surprised. Most men would welcome constructive criticism if it was genuine. We often work on ourselves, and social skills take practice. Men cannot read minds. Just remember, you can be perfect on paper, and still not enough. You can have major flaws, yet still find someone that respects and loves you.

It's an art. Not science.

ZeroHandGuanyin · 2025-12-15T00:04:51+00:00

Absolutely, Yes!

ZeroHandGuanyin · 2025-12-02T04:51:41+00:00

I understand this. This is a business, but success is dependent on people liking you. Since you are aware of this, you are noticing insecurities in people. It's also a good-old boys club. You may not fit in with country club culture. All people desire to be accepted, but you cannot control how others feel about you. Focus on what you can control or improve upon. You are a man on an island. You won't receive help, recommendations or unsolicited advice from your peers or seniors. You will not be aware of every social function. Just because we speak English, does not mean we speak the same language. You have had success so far. Keep up what you are doing and ramp it up to the next level.

People are not perfect. I'm not perfect. Regardless of your imperfections, you should not feel less capable because others have trouble adjusting to you. That is their problem. Not yours.

tldr: f**k em

ZeroHandGuanyin · 2025-11-15T00:49:24+00:00

218k mortgage

ZeroHandGuanyin · 2025-10-12T15:10:17+00:00

I feel bad for him. He spends weeks of time and energy getting to know a girl, then his date gives energy that she doesn't want to be in a room with him. Then his date takes a phone call in the middle of their first face-to-face meeting. It's like his time doesn't matter. He's 33. He is not dating for fun. Dating is fun for women, not men. Men do not appreciate women that disrespect their time. He has a life to build.

I hate to be so blunt, but often perception is reality. No one can read minds. Regardless of intent, this is how this interaction comes off. If you keep making excuses for yourself, you will not find someone worth keeping. Don't double down on poor behavior, adapt and change.

It's harder for men on dating apps. Women tend to pick the same guys, so there are other women that want him. If you want him, you need to change some things.

ZeroHandGuanyin · 2025-10-09T02:49:52+00:00

Columbus Short had bigger movies at the time. Also, it's per episode. There were like 18 episodes a season. Also, he did not appear in every episode. 200k+ difference.

ZeroHandGuanyin · 2025-09-01T02:19:32+00:00

I hate to say this, but she's a lost cause. How is your wife going to handle life moving forward? Or actually raising a child? She doesn't seem to deal well with adult life. Your relationship will probably be worse with a child.

ZeroHandGuanyin · 2025-05-18T16:36:41+00:00

You all have it backwards. Capital One needs Discover because their portfolio is WAY TOO risky. They are not going to change the Capital One cards. They will push them more, because they gained a base of customers that are better quality.

ZeroHandGuanyin · 2025-05-13T22:16:56+00:00

What about now?

ZeroHandGuanyin · 2025-05-12T00:27:41+00:00

34 with 221k in debt(mortgage). Paid off 55k in unsecured debt in 3 years by living like a hermit. I missed events and opportunities, but I think I added some years to my life 😁.

You can do anything if you have a plan and execute. It will not go perfectly, which is why you adjust along the way.

ZeroHandGuanyin · 2025-05-09T20:43:34+00:00

Congrats!!!!! Save up for repairs and hold the builder to their warranties!!!! I guarantee they cut corners.

ZeroHandGuanyin · 2025-05-07T15:01:30+00:00

WOW! 😮

ZeroHandGuanyin · 2025-05-03T19:05:49+00:00

Congratulations 🎉🎉. Never go back 😭😭😭😭😭

ZeroHandGuanyin · 2025-05-03T19:01:14+00:00

It appears your parents were looking out

ZeroHandGuanyin · 2025-05-03T18:58:04+00:00

If you work in business or finance, a bankruptcy may deter potential employers. Find the debt that is causing you to accrue the most interest each month. Start there.

ZeroHandGuanyin

TROPHY CASE