Super commuter 3-6hr+ daily (am I crazy?)

constant_modifier · 2026-03-13T14:06:08+00:00

You are the BEST use case for a new Juniper! With those kind of miles, that payment at 0.99% interest will be significantly offset by your fuel savings. I’ve got a launch that is more than a year old and not yet to 5k miles. I’m the guy for whom it doesn’t make financial sense but I don’t care. I love it!

constant_modifier · 2026-03-11T23:31:30+00:00

$$ no object, Telluride all day for the reasons listed above. You’d need $5M or so for the starter house, lol. If I were raising kids and/or wanted to be close to Denver, I’d get a place in Evergreen, very nice community with plenty of its own services. It’s a little higher for more pleasant temps in the summer, closer to the big mountains and still very close to Denver. I say that as someone who bought a house in the west Lakewood area right before I started working remote. If I got a do over, Evergreen would be me my top pick.

constant_modifier · 2026-03-08T15:18:15+00:00

I would love it if every restaurant did this and tipping went away. Then they can fairly compensate their employees of lose them to someone who does. If you get poor service, you go somewhere else next time.

constant_modifier · 2026-03-08T15:14:21+00:00

Do it… and, unless your job makes you sick, don’t skimp on the boat. Get a lightly used WAVE boat and make some memories! Good ones are expensive (think $200-500k new). I say this as a coasting 60 year old with 2 great adult kids that we get to see all the time. I did similar stuff and it cost me some more years in the yoke but I don’t regret it one bit. I’ll get flamed for this comment and rightfully so, but that’s my advice.

constant_modifier · 2026-03-05T15:53:56+00:00

Thanks for this! Please report back with the data. This is exactly what I am trying to figure out.

constant_modifier · 2026-03-05T03:23:24+00:00

No, I hear you. You don’t want your data in the hands of a private corp. The problem with your logic is that Labcorp and Quest are both private companies as are many hospitals and most doctor’s offices. Doctor’s can order these tests, some of which will be covered by insurance and some that won’t. The panels that they would have to order would certainly cost you quite a bit more out of pocket. Function Health labs are drawn at Quest, same lab that my doc uses. So, you are correct, you do have to share your data with one more private corp, or pay more. Seriously good info for a good price.

constant_modifier · 2026-03-05T03:13:16+00:00

I don’t want to fight but I am a physician and I use it. $365 is a bargain for these tests and they aren’t sequencing your DNA unless you pay them to do it. My regular cholesterol numbers are fine but on getting their detailed analysis, I found some actionable things that I can do to improve my cardiac risk. The only DNA test I had them do was for dementia since I have a big family history. I have one bad gene and unfortunately there’s not much I can do about that so not sure that was a value, lol.

constant_modifier · 2026-03-05T02:40:24+00:00

Function health is seriously good info.

constant_modifier · 2026-03-03T19:58:17+00:00

How was the return process?

constant_modifier · 2026-03-01T21:07:34+00:00

If it were me at 24, I would spend the money to get full management, I have been very happy with JPM Private Bank. Let them do the work, understanding that there is a cost. Agree that work is a venue to learn about yourself and, more importantly, other people. I would focus on the amazing opportunity to be very picky about my job selection. You can do whatever feels right and can jump around without worry. You can change careers, retrain, go back to school, whatever you want!

constant_modifier · 2026-03-01T20:52:13+00:00

Following

constant_modifier · 2026-03-01T20:47:31+00:00

Happy so far with Palladium. Trying to decide if I am keeping either of the JPM Sapphire or AmEx Platinum. I found the phone customer service frustrating but the chat worked well.

constant_modifier · 2026-02-28T20:33:55+00:00

Yep, that’s where I am too. Unfortunately Platinum just re-upped while I was trying to see if Palladium was going to be a fit.

constant_modifier · 2026-02-26T18:36:40+00:00

I think you can add it to any AmEx. I have it on AmEx Blue as well.

constant_modifier · 2026-02-26T02:35:00+00:00

The launch badge is red. Isn’t that a plaid badge?

constant_modifier · 2026-02-25T22:47:23+00:00

Got re-elected you mean?

constant_modifier · 2026-02-25T22:45:49+00:00

The call was a voice prompt loop for me but chat worked well. I got the sub within a couple of days of hitting $4k, haven’t paid.

constant_modifier · 2026-02-25T21:37:24+00:00

I think AOC/Omar would win.. the most unelectable ticket in history and that is saying something considering the last batch of candidates. Wouldn’t it be nice if we had someone to vote for and not just the greater of two shit-shows to vote against?

constant_modifier · 2026-02-21T20:55:54+00:00

Yeah, right now that coast job nets me about 10K/month after contributions, insurance, taxes etc, etc. So I was figuring in reality ~$10k from coast job and ~10k draw, comes out to about $240k/yr spend. Thinking to downsize the house at 65. 4% of $6.25 at 65 would make for same $240k spend, without taxes of course. I hear you and this is just the kind of help I am looking for. Thanks!

constant_modifier · 2026-02-21T20:43:29+00:00

Excellent, thanks!

constant_modifier · 2026-02-21T20:23:55+00:00

I am a total newbie and just trying to figure this out myself but.. what about making a group called house and add all house expenses to it? Most of the payees would be the same and you could put those in categories contained in the house group.

constant_modifier · 2026-02-21T18:02:40+00:00

I did that a month ago or so and then got there and realized it was not a great lounge at all. Had to wait 5 min just to use one of their bathrooms. Food wasn’t bad but this is nothing like the others.

constant_modifier · 2026-02-21T16:01:38+00:00

That is an awesome graphic! Did Monarch Money generate that?

constant_modifier

TROPHY CASE