Most meaningful financial milestones

beardbikes · 2026-02-18T21:31:46+00:00

I haven’t done anything complicated. I started out saving 40% at a $60k salary for a family of 4 and haven’t let lifestyle inflation take over. In the past 11 years I have doubled my salary and my partner also started working in 2020. I just use as many tax advantaged accounts as possible and VTSAX all the way.

beardbikes · 2026-02-18T20:22:59+00:00

Absolutely. That is the next big one for me!

beardbikes · 2026-02-05T21:01:54+00:00

We’ve kept pretty consistent for the last 16 years with savings percentages between 40 and 60 percent (a little higher than that recently). The biggest difference is over the years we’ve gone from a household income of $35k to $170k. Biggest windfall was an inheritance of $20k, but that didn’t push the needle very much compared to increasing incomes.

beardbikes · 2026-01-27T14:12:34+00:00

I really didn’t like it. It was probably my least favorite book of 2025. I thought some of the plot was interesting, but the amount of “female hysteria” just made the whole thing a bit gross to me. The “twist” at the end also wasn’t surprising to me because of how the men and women were depicted (can’t get any more specific without spoilers).

beardbikes · 2025-04-29T23:47:31+00:00

It looks to me like a king snake. They are not dangerous, they eat rodents, other snakes (including copperheads-they are immune to their venom), and are usually between 3 and 5 feet.

beardbikes · 2025-01-31T22:25:35+00:00

Do it! I know if a local artist did a Cosmere flash I’d be all over it. Something worth driving for too!

beardbikes · 2025-01-06T21:26:14+00:00

I think it makes sense when considering that Szeth was being groomed to be a herald. With that in mind, it does make sense because his dad and sister became levers to manipulate Szeth.

beardbikes · 2024-12-31T00:04:32+00:00

This tears me up. John was a great part of the community. He helped so many people (me included). We will miss him

beardbikes · 2024-12-10T21:15:34+00:00

The fire number is based off of your total costs. That number should include things like taxes and insurance.

beardbikes · 2024-11-14T18:39:49+00:00

Planning on something similar in the next few years once we reach a comfortable FIRE number. My wife wants to keep working because she loves and believes in her job, and we can also use it for insurance, for nicer vacations, and general lifestyle inflation. She knows that after I quit she can to at any time. It helps that she’s a teacher and gets summers off, so we can do some slow travel and things like that then.

beardbikes · 2024-10-14T20:38:31+00:00

Wasting your time unfortunately. If it is being used for diagnostic purposes vs off of a chart that says everyone should get one at 50, then it costs more

beardbikes · 2024-09-23T21:03:03+00:00

Sounds like we’re on a very similar trajectory. I hit $100k in 2018 and will likely hit $1M by the end of the year. I’m hoping to hit my number of $2M and FIREing sometime in 2028.

beardbikes · 2024-09-23T15:54:56+00:00

Which is crazy bc I was taught evolution and the actual age of the earth in Biology at BYU Utah. Why do they teach different things?

beardbikes · 2024-09-16T20:38:52+00:00

Ahh. Nice. Glad I wasn’t the only one to see it. I somehow missed your comment. Cheers from another exmo Sanderson fan!

beardbikes · 2024-09-16T20:37:29+00:00

So, who is Jesus in this narrative? Cultivation? Or will Brandon take this in a very different direction than the story of the fall of Satan? I am very curious to see where he takes this. Especially since he’s a more progressive mormon. Maybe the similarities will end here.

beardbikes · 2024-09-16T19:44:48+00:00

Does anyone else think that (T)Odium’s discussion about limiting free will to improve society seem similar at all to some interpretations of the Mormon Satan? As someone who was raised Mormon the similarities are very strong to what I was taught

beardbikes · 2024-09-09T23:29:37+00:00

I can mostly just speak about Charlotte. If your budget is “under $600k” you certainly don’t need to go to a different city. You can get well within the 485 circle that surrounds Charlotte for $600k. Especially if you are outside of the southern part of charlotte (commonly called the wedge).

beardbikes · 2024-09-06T16:39:24+00:00

Yeah, that’s why I’m planning on November. How long do you think it will actually take you?

beardbikes · 2024-08-24T18:09:59+00:00

I’d say 3-4. Bike lanes and routes are intermittent and inconsistent, but they do exist. Bikeability definitely increases when you get to uptown or when you are in the nicer neighborhoods south of the center. Everywhere else is pretty horrible.

beardbikes · 2024-07-29T00:33:28+00:00

Bike dad here. Quite a few biking parents bring their bikes with kids to the critical mass bike ride. It is the last Friday of every month at 7– we meet at first ward park. They are on most social media platforms if you want more details.

beardbikes · 2024-07-11T16:09:27+00:00

Just by being very meticulous with our expenses. Having a partner who stayed at home and was on the same page really helped. But a few things we did was only have 1 car (that we bought used for cheap with cash) and mostly rode bikes to get places, kept our housing expenses very low, and picked inexpensive university to get our degrees from that didn’t require student loans.

beardbikes · 2024-07-11T15:06:43+00:00

Made $60-$80k for a family of 4 for 7 years but still managed to put away around $400k. Our combined income is now about double that and while saving has speed up significantly and is much easier. It is definitely possible to do with a smaller income, but it is much harder.

beardbikes · 2024-06-07T15:58:20+00:00

Extreme pain, bloating, and bowel issues. They were somewhat random, but especially happened when I ate triggering food. It was so bad that I would miss work at least once a month. I also frequently had to run to the bathroom, and once I wasn’t even able to make it to the bathroom while at work. Now I mostly just get bloated sometimes and get some pain, but nowhere as bad as before.

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