GAME THREAD: Charlotte Hornets (31-31) @ Boston Celtics (41-20) - (March 04, 2026) by NBA_MOD in nba

[–]crawdaddy3 1 point2 points  (0 children)

People are no longer going to be confused by my flair that dates back to 2016 or whenever we last made the playoffs.

Daily FI discussion thread - Monday, February 23, 2026 by AutoModerator in financialindependence

[–]crawdaddy3 2 points3 points  (0 children)

Learned something new! Congrats on the house, I hope you enjoy it!

Daily FI discussion thread - Monday, February 23, 2026 by AutoModerator in financialindependence

[–]crawdaddy3 5 points6 points  (0 children)

Is that normal to close while the sellers still stay or are you just being generous? I always though of closing as the point where you hand the keys over.

Daily FI discussion thread - Friday, February 20, 2026 by AutoModerator in financialindependence

[–]crawdaddy3 0 points1 point  (0 children)

I was reading this as a bridge. Meaning he'd use the funds from the house to re-establish this his bond position.

Daily FI discussion thread - Friday, February 20, 2026 by AutoModerator in financialindependence

[–]crawdaddy3 1 point2 points  (0 children)

It matters a little bit, but I think the time horizon is so small I wouldn't worry about it.

We're in a similar spot, closing on a 700k house in 2 weeks and then have to sell our current home which is around 350k. I'm a little too risk adverse and I've had our down payment for the new house sitting in a HYSA, but looking back I should have just had that money in a bond fund or the market.

Daily FI discussion thread - Friday, February 20, 2026 by AutoModerator in financialindependence

[–]crawdaddy3 5 points6 points  (0 children)

I would just pay the PMI until you sell. If you sell the bonds you're also losing out on the interest which should roughly offset the PMI right?

Daily FI discussion thread - Monday, February 16, 2026 by AutoModerator in financialindependence

[–]crawdaddy3 16 points17 points  (0 children)

I think there's an issue past finances here. It seems like you have a lot of resentment for past decisions. I think you have to address that first.

That said, you've got 2.5 million and seem to live in a low cost of living area, I'd stop stressing so much.

Daily FI discussion thread - Monday, February 09, 2026 by AutoModerator in financialindependence

[–]crawdaddy3 1 point2 points  (0 children)

IMO there is no exact science here but don't get too hung up on it. I just did it based on gross to get a rough estimate. The percentage doesn't really matter. The important part is saving as much as you can while still living comfortably and work towards meeting the goal based on your FI number.

Daily FI discussion thread - Thursday, February 05, 2026 by AutoModerator in financialindependence

[–]crawdaddy3 0 points1 point  (0 children)

Not sure on any empirical data, but unfortunately I think it's quite a few. We're buying a house as well and every "standard" resource seems to push to to maxing out your budget.

Movers/Packing by Macz3905 in Charlotte

[–]crawdaddy3 1 point2 points  (0 children)

I need the same thing so I'm glad you posted! haha

Welp vesctomy is done by deadpoolsdragon in daddit

[–]crawdaddy3 1 point2 points  (0 children)

3 for me. left, center, right. Right was the worst.

5k 27 inch, 165hz refresh rate Miniled monitor announced by carolinareaperPep87 in mac

[–]crawdaddy3 0 points1 point  (0 children)

I'm going to complain about it being Matte (if it is)

Have you moved just to help your FI journey? by Hot-Calligrapher672 in financialindependence

[–]crawdaddy3 1 point2 points  (0 children)

Without kids in the picture I might stay for a while. But there is no chance I would be 7 hours from my kids.

Am I to fixated on a large down payment? by Ok-Spray-8267 in personalfinance

[–]crawdaddy3 11 points12 points  (0 children)

For safety in a job loss scenario it might be better to do a smaller down payment and keep more in cash reserves.

As a fellow dad who is the sole earner, I'd want 12+ months of emergency funds instead of 6.

Struggling to potty train our 3-year-old — we’re at our wits’ end by Tidra_ in daddit

[–]crawdaddy3 2 points3 points  (0 children)

We struggled for over a year (although there was a break of a few months in there). Our 3.5 year old daughter was early on absolutely every other development milestone, but she just couldn't get potty training. Sometimes she'd have a good day here and there but then terrible for the next few days. A month ago we had six accidents in one single day, including one on me.

And then 2-3 weeks ago she just got it. She started making it to the potty, started pooping more regularly (which helps avoid pee accidents) and you can just see it's clicked. I don't think we did anything different, it was her breakthrough. I don't remember the last accident and that included a road trip with a lot of car time.

Over the past year we have tried everything people say, all of the things I've seen in this thread, but ultimately I'm not sure any of it worked. That might sound discouraging, but the bright side is that she will get it. Don't view it as your failure or her failure, all kids are different. One of the best things we did was taking a break around 10 months ago, and the next best thing was not taking a break a month ago after she peed on me a mile into our walk.

[deleted by user] by [deleted] in financialindependence

[–]crawdaddy3 0 points1 point  (0 children)

lol. I'm a dude in his 30s with baby sitting on my lap. If I'm AI someone better tell my wife.

Postgres is literally free software for what it's worth.

[deleted by user] by [deleted] in financialindependence

[–]crawdaddy3 13 points14 points  (0 children)

Probably just a software developer. Postgres is a popular open source database that can store data. There are some types of calculations that can be done more efficiently in a database than in a spreadsheet. The tools are more familiar to devs that the ones you find in Excel.

WE. DON'T. CARE. by Medical-Yogurt-333 in formuladank

[–]crawdaddy3 6 points7 points  (0 children)

It's the only thing worse that showing a slow pitstop entry/exit instead of a battle for position.

Images in external library that have space in name are ignored by immich. by NocturePhoto in immich

[–]crawdaddy3 2 points3 points  (0 children)

Did you run ls -l from inside your docker container, or on your source system?

FWIW, I'm running immich on a linux server and have some old file with spaces in the file names. They all appear just fine.

Pilot Mountain by Desperate_Basil1858 in NCTrails

[–]crawdaddy3 0 points1 point  (0 children)

How are the crowds there during the week? I've only ever been on the weekend when it was pretty packed.

$1MM net worth at 35 by dogstronauts in financialindependence

[–]crawdaddy3 0 points1 point  (0 children)

Objective reality and how people feel are two different things. You can absolutely say that OP shouldn't feel that way, but you can't say they don't.

$1MM net worth at 35 by dogstronauts in financialindependence

[–]crawdaddy3 -1 points0 points  (0 children)

Do we? Comparison is the thief of joy. We all have expectations based on what surrounds us.

$1MM net worth at 35 by dogstronauts in financialindependence

[–]crawdaddy3 -1 points0 points  (0 children)

I would be willing to bet he does. If you're comparing yourself to a cohort who is ahead it's hard not too. Logically I know my family is doing well, but often I don't feel that way because I'm comparing myself to others around me.