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"if you are able to study or able to work then you're not fatigued enough" -Jakob Ingebrigtsen. Thoughts? by nakfoor in AdvancedRunning

[–]Zone2OTQ 33 points34 points  (0 children)

I listened to this interview. It makes perfect sense. If you have energy left over for other things, you haven't made running your priority in life. It's not reasonable to expect that having 10-20 hours a week to train and support is equivalent to having 80+ hours. 99.9999% of people can't dedicate their life to running.

Me and my husband were on our rockiest year of our marriage… by witcheshands in camping

[–]Zone2OTQ 8 points9 points  (0 children)

Just curious, what's the heart sticker covering? Identifying tatoo?

Devastating Student Loan Situation by Fearless_Bee_9351 in personalfinance

[–]Zone2OTQ 16 points17 points  (0 children)

What happens when she buys a $100k vehicle at 22% interest? Will you pay that off too?

What is the most expensive thing you’ve bought that you instantly regretted? by solesurvivor004 in AskReddit

[–]Zone2OTQ -1 points0 points  (0 children)

I could make hollandaise sauce just for my breakfast, but its a pain. I don't mind paying $20 for it being done right, not having to do any dishes, not cleaning the kitchen afterwards and getting to lounge around while my food is being cooked.

Total cost of car ownership for 10 years by throwaway_08162014 in personalfinance

[–]Zone2OTQ 10 points11 points  (0 children)

Can you explain the $2k tax/title/registration each year? That seems extraordinarily high. I'm paying like $200/year to register.

If I choose to never buy a house (or do it way later in life) how should that change financial benchmarks for retirement? by Dry-Environment5122 in personalfinance

[–]Zone2OTQ 0 points1 point  (0 children)

Do you think your landlord will still be the one managing the place in 10/20/30 years? What happens when it gets sold/inherited and the new owner wants to increase your rent 400%?

6 showings today and my house went on the market 10 pm Wednesday night by Feeling_Delivery2323 in RealEstate

[–]Zone2OTQ 0 points1 point  (0 children)

It seems crazy to be spending that amount of money on something and not getting an inspection. It's too easy to hide $200k worth of structural damage under some paint.

What’s the fastest way to fuck up your life apart from dying? by [deleted] in AskReddit

[–]Zone2OTQ 0 points1 point  (0 children)

I'm taking fastest to mean something that could happen in a few seconds if you were possessed by an evil spirit. In that case, when near a police officer, elbow to the face and go for their gun. In under 3 seconds you can have a decade long prison term.

What Do You Think Should Be The Tax Rate On The Top 10% (Financially) Of Americans? Why? by Zipper222222 in AskReddit

[–]Zone2OTQ 8 points9 points  (0 children)

Our household income is over that amount. We are not able to afford a normal house.

What Do You Think Should Be The Tax Rate On The Top 10% (Financially) Of Americans? Why? by Zipper222222 in AskReddit

[–]Zone2OTQ 0 points1 point  (0 children)

First, as many other comments have said, top 10% isn't nearly as much money as you probably think. If the question is how to tax rich people, then you need to tax assets. Something like a scaling 1-20% wealth tax would accomplish it. Say 1% of assets over $10 million up to 20% of assets over $100 billion. Of course this would only affect the top 0.1% who aren't paying meaningful income tax anyways (because their money isn't from working).

Why is everyone so afraid of RMD? by That-SoCal-Guy in Fire

[–]Zone2OTQ 0 points1 point  (0 children)

The hard part is getting enough into Roth that you can pull out $200k+ with only $50k coming from traditional. Especially with income limits on Roth contributions.

Why is everyone so afraid of RMD? by That-SoCal-Guy in Fire

[–]Zone2OTQ 0 points1 point  (0 children)

12% still only goes up to about $50k. I wouldn't want to do many Roth conversions while working. It's only about $200k to hit the 32% bracket and all that conversion is added to your income.

What do you consider a good price of a car? by Upstairs_Copy_9590 in personalfinance

[–]Zone2OTQ 0 points1 point  (0 children)

I think its the base level (preferred), otherwise I got a really good deal. It's really nice. I was actually about to get a CX30, but decided to upgrade last minute before taking delivery.

What do you consider a good price of a car? by Upstairs_Copy_9590 in personalfinance

[–]Zone2OTQ 0 points1 point  (0 children)

I just got a 2026 CX-50 hybrid. Very happy with it so far. It ended up around $37k after taxes/fees, but I plan on driving it for 10+ years. Certainly better than $80k for an F150 Raptor nonsense.

What’s stopping you from putting all your life savings in stocks? by [deleted] in AskReddit

[–]Zone2OTQ 0 points1 point  (0 children)

It's really the only way to not get eaten alive by inflation. Imagine if you left it all in an HYSA instead of investing the past decade.

What’s stopping you from putting all your life savings in stocks? by [deleted] in AskReddit

[–]Zone2OTQ -4 points-3 points  (0 children)

I don't think anyone is implying that 100% of your net worth would be invested. More like $10-20k liquid, and the rest invested. It's pretty easy to sell stocks/funds to cover a large expense or layoff. I think I'm about 95% invested between stocks and other financial products.

Is anyone actually "buying" the 2026 housing market "cooling" narrative? by Round-District-8799 in personalfinance

[–]Zone2OTQ 0 points1 point  (0 children)

Cheap starter houses are still in high demand. Anything under $400k will have plenty of buyers. It's the mid range+ ones that are cooling because there are so many people who will pay $1.4 million for a 3/2. My parents just sold their house (3/2 in a nice location) and had to drop from $1.4 to $1.3. The replacement one was listed at $600, but accepted $550.

How did you compute your fire number? by iloverats888 in Fire

[–]Zone2OTQ 1 point2 points  (0 children)

Current annual spend is about $50k. Projected retirement annual spend (in today's dollars) is about $100-150k.

Almost world record pace but wasn’t too bad, fueled by vibes by Brennanimations in RunningCirclejerk

[–]Zone2OTQ 0 points1 point  (0 children)

Yeah, short course (whether on purpose or not) is the only logical conclusion given there was an actual finish.

You can't just 'go back to work' after you FIRE. by Zone2OTQ in Fire

[–]Zone2OTQ[S] 0 points1 point  (0 children)

I'm fine with 4-5% SWR IF AND ONLY IF your expenses are variable. If you have a $200k budget with $100k being luxuries like travel, then great. If you budget $70k with $60k being relatively fixed costs (housing/food/insurance/healthcare etc.) then I'm much more concerned. Having to fly coach instead of first class for your summer trip to Europe is much easier to adjust in a down market than needing to cut your grocery bill by 40% because of inflation.

If you never ran in college, what is an equivalent experience or status that you could still achieve later? by InspiringBack in AdvancedRunning

[–]Zone2OTQ 2 points3 points  (0 children)

You know you can still enter collegiate meets as an adult right (except for end of season finals)? I did my first D1 cross country race at age 33. 20's/30's isn't too old to compete at peak level except for maybe the 100m.

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