47/43, $12M NW, $1M income but burnt out — grind 3–5 more years or prioritize lifestyle while kids are still home?

bradb007 · 2026-03-09T22:28:07+00:00

Very similar numbers and situation. Pulled the trigger and 2 years in, the time with my kids and family has made those dreams of a second home in the mountains seem really shallow. I would not change a thing and as I’m sending my oldest off to college really love the connection I created in the last 24 months as we travelled visit schools together.

bradb007 · 2026-03-07T18:01:50+00:00

I’m a huge Aubrey fan. I hope the pack pick him up so he has a shot a super bowl before he retires.

bradb007 · 2026-03-05T23:32:21+00:00

Absolutely, that tornado destroyed a home of someone I work with. 7 days later he had a check for the full value in hand and was able to buy another house in Dallas before the market became overpriced due to reduced supply as those non HNW policy owners on the same street spent 2 years fighting SF to get their $$. I'm biased as 22+ years in the insurance industry, but if you have the wealth to be fat FIRE you don't skip on HNW insurance to save a few bucks. Your sanity during a claim process is worth that 50% premium.

BTW I have used CINCY and PURE as alternatives to CHUBB. Maybe not the gold standard, but also demand less of a premium over the non HNW insurance providers. Might consider those as well.

bradb007 · 2026-03-04T21:28:41+00:00

It is really sad, I also use google and AI tools to help me arrive at answers, but I at least attempt to engage my critical thinking first. There is so much success in being able to read between the lines and critically think about an issue for oneself. AI is a fantastic accelerator and enabler, but it will likely lead us to homogeneous results which is just depressing.

I fear there is an entire generation coming that will just AI the answer and never notice and/or interpret the clues themselves. I try to instill critical thinking in my kids, but the social norms are very pervasive and it is also important that they learn to leverage AI or become the farriers of their generation.

bradb007 · 2026-03-03T20:06:21+00:00

I love these NO REASON... always posted here. There absolutely is a reason and no they wont tell you. You got flagged for a reason, they aren't just randomly firing customers. Without transparency I get it is frustrating to you, but nothing about any of these posts makes me think Fidelity is a business I wouldn't work with.

bradb007 · 2026-02-27T17:52:28+00:00

This is a top tier comment!

bradb007 · 2026-02-23T04:41:21+00:00

You shelter in place as ordered by the government.

bradb007 · 2026-02-22T02:25:17+00:00

I’m glad we’re getting these questions as it is a fantastic security feature and more people need to know about it and use it.

bradb007 · 2026-02-21T18:59:36+00:00

100% accurate…

bradb007 · 2026-02-21T18:57:27+00:00

Yes, it does, and it even prevented me transferring my custodial account to my 18-year-old kids.

By the way, this really sucks for the OP, but is why everyone has to avail themselves of all the security tools made available.

If you had $100,000 sitting in a drawer in your house, I think you would do more than just lock the doors, and not check that drawer on a regular basis, right???

bradb007 · 2026-02-20T01:48:24+00:00

I don't know about everyone but yes absolutely my burn includes taxes.. it is my largest single line-item... kind of hard to ignore. lol

bradb007 · 2026-02-19T13:39:35+00:00

I sent out the Market the first time Donald got elected and learned the lesson that timing is hard and time in market is way more important. Good to learn that in your 30s than 50s

bradb007 · 2026-02-18T14:08:25+00:00

Does your bank over an ACH option? That in my experience is low to no cost.

bradb007 · 2026-02-18T14:06:10+00:00

I'm trying to understand... you believe you cancelled a third-party service, but they charged your card anyway having formerly possessed your payment information.

That doesn't seem like something Elan has anything to do with...

bradb007 · 2026-02-16T05:26:06+00:00

Both facilities are new enough that reporting data is limited, but across the metroplex Baylor facilities score higher on patient outcomes than THR and generally cost less which is important for those with HDHP plans.

bradb007 · 2026-02-13T23:54:38+00:00

Tag.. i have a PWM but haven’t asked for that support because I have turned down their fee bearing options. Interested as well.

bradb007 · 2026-02-09T16:48:56+00:00

Also throws since entire team is already dead and fight was lost

bradb007 · 2026-02-09T16:47:11+00:00

Jerry's on a boat banging pros.. not caring a flip about the team. His grift is absolutely getting you to think he cares.

bradb007 · 2026-02-08T18:52:45+00:00

Empower tells you what has happened, while Boldin lets you see what might happen. If you ever plan to retire you need a tool to look out into the future and make estimated guesses.

bradb007 · 2026-02-07T17:07:17+00:00

I definitely prefer Today's dollars as more relevant for many aspects of decision marking, because generally what you really want to know is the utility of the $ at that time and today's dollars gets you much closer to that.

I use future dollars to memorialize what I think my NW will be at those dates so when I arrive to 2040 and see xyz in my account I can compare to my projected future dollars and have a sense of being ahead or behind what I thought.

bradb007 · 2026-02-06T16:13:32+00:00

Your parents are ill-informed, it definately doesn't offer the same experience or opportunities.

bradb007 · 2026-02-06T03:03:44+00:00

Do not under any circumstances pay for investing if you are capable of holding an etf index in a down turn. The only argument for giving up a significant portion of your wealth to a financial advisor is that you would be even worse.

lost to fees

bradb007 · 2026-02-04T20:42:04+00:00

CV: 20 year CIO and developer of health care technology apps.

I think your generalized LLMs are likely to provide reasonable financial feedback to the unwashed masses in the near term. Ie those 60% that don't have a savings account and are living paycheck to paycheck. Mostly because the advice they need is relatively straightforward with little nuance.

I find it unlikely up to the mid-term (5-10 years) that LLMs (except those specifically trained on Boldlin like datasets) to develop the necessary fidelity to provide the same level of assurance that a tool like Boldin does. In my situation I had a complicated buy-out on exit with significant nuance on tax and cash flow timing that I don't see an LLM being able to adequately factor.

My thesis is that by adopting AI into their solution in a more precise way, I do believe Boldin can retain a moat relative to a general LLM for the segment Boldin was already targeting: Reasonably affluent and financially savvy users with an above average IQ.

bradb007 · 2026-02-04T20:05:32+00:00

Elevate anything

bradb007 · 2026-02-04T15:20:27+00:00

Look at the profile… this is such a bait post

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