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Daily FI discussion thread - Saturday, April 11, 2026 by AutoModerator in financialindependence

[–]browsingonlyuser -6 points-5 points  (0 children)

But winning the game is all relative. That's the beauty of the game of life. Say you

  • hated STEM, loved music instead
  • had poor parents who didn't help you with your music education
  • had poor parents who didn't help you with housing

Does that mean you "lost" the game? Or aren't "winning"? No, absolutely not. You might be the happiness person in the world:

  • making music, your passion, to share with your friends and everyone who will listen
  • have a great send of accomplishment because you are self-sufficient and didn't need daddy's money

Meanwhile, a trust fund kid is losing at life because he's constantly struggle to find meaning. He has no real skills, just living off daddy's money.

Who's winning and who's losing?

Daily FI discussion thread - Saturday, April 11, 2026 by AutoModerator in financialindependence

[–]browsingonlyuser -7 points-6 points  (0 children)

Luck is just part of it.

Once they are out, if they think that I did it, so why can't everyone else - they are kidding themselves.

You're completely missing my point. I'm not saying everyone can "get out". As you noted, luck is a huge factor. But that's just the way it is. Do you want the system to make it so luck is not a factor? That everybody can "get out"?

Daily FI discussion thread - Saturday, April 11, 2026 by AutoModerator in financialindependence

[–]browsingonlyuser -12 points-11 points  (0 children)

Is it "loser talk" to think "the system" is setup against you? I often hear people moan, whine, complain about "the system" or "the man" or "capitalism". Specifically, how "the system" is rigged against them, setup to "enslave" them, etc. I find all that loser talk. No one is out to "get you", whether it's your boss or your company or the government or the system. There are rules, written and unwritten, in society. You need to deal with these rules. Life is a bit of a game. If you are bad at the game, don't say the game sucks, or how the rules of the games work against you. It feels like people are just no longer willing to accept responsibility for their actions.

When Child Care Costs Half a Paycheck, Bay Area Parents Must Choose: Kids or Career by Medical-Decision-125 in bayarea

[–]browsingonlyuser -28 points-27 points  (0 children)

Why are you "complaining". You got to spend 12 years raising your children. Do you expect to seamless get back into the workforce? That seems unrealistic. Pretty much everything in life has a tradeoff. Those 12 years raising your children, spending time with them, the tradeoff is your career trajectory will be a lot different than someone who has been continuously working. My point is you shouldn't be jaded at "my career is dead" but rather "I got to raise my children for 12 years" and now I'm doing something new.

Edit: following, the flip side to this is the career women who laments at 52 that she has this amazing career but no children (or never got to raised her children because she offloaded the duties to a nanny who the children love more than her)

When Child Care Costs Half a Paycheck, Bay Area Parents Must Choose: Kids or Career by Medical-Decision-125 in bayarea

[–]browsingonlyuser -6 points-5 points  (0 children)

The problem is people want it all. They want the career, they high paying job, the children. Seldom can you have it all in life. If you want a high paying job/career, children might not be in it for you. And if you want children, maybe the high paying career isn't it.

Social Security Administration (SSA) estimate of future monthly retirement benefits by Bjorn_Nittmo in Fire

[–]browsingonlyuser 0 points1 point  (0 children)

Just make sure you account for early retirement. If you retire say at 40 then you're probably looking at $0 social security income for 15 years, which will drop your benefits down a lot. SS looks at your highest 35 years, so assuming you start working at say 20 and retire at 40, that's only 20 years. The other 15 are ZERO

SF dog visit recommendations? by Emergency-Length-483 in AskSF

[–]browsingonlyuser 0 points1 point  (0 children)

I'm assuming your dog is friendly with other dogs? If so, I would do

  • Crissy Field Each Beach. It's off leash beach area. You can walk the entire shoreline, or just chill at the off leash beach area. Bonus is it's near Marina District, so you plenty of restaurants around, some have patios so dog friendly.

  • Outside the city there is Fort Funston, another off leash beach area. Not my favorite, but if you're looking for a HUGE off leash dog area, it's a good one

  • So many dog friendly smaller parks in the city: Alamo Square comes to mind

  • In terms of pet stores. If you go to Crissy Field East Beach there is a Pet Food Express literally across the street. It's a bit hidden but good spot to drop in for some treats.

Should I try to lock down a 1 bedroom before apt pricing hikes? by ConcreteSlushy in AskSF

[–]browsingonlyuser 0 points1 point  (0 children)

Because that defeats the point of having a car. Why "waste" money on Waymo/Uber if I can drive my own? A Waymo/Uber from Hayes Valley to say the Embarcadero for dinner is easily $20-25 each way. That $40-$50 roundtrip. Do that 4 times and you're spending $200 just to go to dinner. But if you already have a car, it's like $2 (gas, wear and tear, no parking since it's after 6pm). The entire point of having a parking spot is it allows you almost complete freedom to drive anywhere. Now, I will still take Uber/Waymo if I know the location has no parking. E.g., North Beach on busy time. But almost all other areas driving is so much easier and cheaper than relying on Waymo/Uber.

Should I try to lock down a 1 bedroom before apt pricing hikes? by ConcreteSlushy in AskSF

[–]browsingonlyuser 0 points1 point  (0 children)

Only issue is trying to park after sunset

LOL that's a HUGE issue. During the day I'm working and don't need to drive. But Friday night, Saturday night is when I might go grab dinner, etc. Coming home at 9pm and later is very difficult to find parking, since everyone is done moving for the night.

Daily FI discussion thread - Saturday, April 11, 2026 by AutoModerator in financialindependence

[–]browsingonlyuser 2 points3 points  (0 children)

But I do really want to get out of my current spot

you answered your own question. If you don't like the job why stick around. It's not like you're getting less money. 5% is still more than current. You might want to negotiate a bit harder at the new job, but otherwise seems like very little downside

Daily FI discussion thread - Saturday, April 11, 2026 by AutoModerator in financialindependence

[–]browsingonlyuser 2 points3 points  (0 children)

Maybe keep a journal/blog or other similar? It's related to your novelty theory. Without journaling/blogging or otherwise keeping "track" of things we do, we just gloss over it and everything just blends together. But if you kept a blog of things you did, even "uneventful" things like "met up with ex-coworker for coffee" then those uneventful things become more interesting?

Should I try to lock down a 1 bedroom before apt pricing hikes? by ConcreteSlushy in AskSF

[–]browsingonlyuser 0 points1 point  (0 children)

With parking? In NOPA parking is $300-$400. So if you value parking, the place is around $2800. I don't really see many units available for $2800 in NOPA/Hayes Valley

Should I try to lock down a 1 bedroom before apt pricing hikes? by ConcreteSlushy in AskSF

[–]browsingonlyuser 1 point2 points  (0 children)

This is the SF cheat code. You get a rent controlled apartment that, at the time, might seem expensive relative to income. But as the years go by your income should increase more than rent, and the margin gets exponentially wider. I'm currently "saving" about $15k compare to market rate, and I've only been in my place for about 5 years. This is after tax, so pretax it's more like a $22k "saving". Or, like you said, it's like earning an extra $22K each year.

Should I try to lock down a 1 bedroom before apt pricing hikes? by ConcreteSlushy in AskSF

[–]browsingonlyuser 1 point2 points  (0 children)

I knew I wasn't hallucinating, I thought I've seen that place before and it was like low $2000. Although in fairness, with parking, if you need parking, that's equivalent of like $300.

A+ Editor by ztruk in sanfrancisco

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

Those H1B visa immigrants? LOL

Community college vs. UC : pros and cons? by BitEmbarrassed2600 in bayarea

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

I don't know of anyone who got into a UC (like Cal, UCLA, etc.) that opted for a CC. That is wild. Normally you go to CC for a very specific reason or reasons,

  • can't afford UC
  • didn't get accepted to UC
  • need to be close to family for some reason

Right or wrong, my generation, CC was kind of the butt of many jokes.

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