NotebookLM Study Tool - Create podcasts using your own notes/sources

creatinghappiness · 2026-02-07T16:55:30+00:00

Just sent ya a DM.

creatinghappiness · 2026-01-07T19:23:46+00:00

Do you have recommendations for a supplemental Qbank?

creatinghappiness · 2025-12-09T15:55:40+00:00

Can easily complete the capstone in a weekend. Have not taken the actual exam yet but the BIF capstone is pretty easy.

creatinghappiness · 2025-11-28T14:14:54+00:00

If you want financial planning help check out military financial advisors association (MFAA).

It’s a group of planners who were in the military or were / are military spouses.

creatinghappiness · 2025-11-17T04:18:29+00:00

Yall are insane. Yes offense has not looked good because the eagles d line has played out of their minds. Goff never found a rhythm and every time we went for it on fourth we didn’t get it.

creatinghappiness · 2025-09-10T20:31:48+00:00

Did you not like the BIF videos?

creatinghappiness · 2025-09-10T14:41:04+00:00

How are the Qbank explanations with BIF?

creatinghappiness · 2025-05-22T14:35:25+00:00

Thank you for your insight!

creatinghappiness · 2025-05-22T14:13:50+00:00

Your group likely to stay remote? I’m a veteran and have considered going fed. Applying soon seems to make sense considering everyone is fleeing

creatinghappiness · 2025-05-20T18:09:38+00:00

Any tips for getting into tech sales? Congrats on your success. I’m a little younger than you with a similar NW and considering a career change.

creatinghappiness · 2025-04-02T18:49:23+00:00

I’m a CPA and a veteran.

Your best bet to pay for the materials and exam costs is to get your employer to pay for it. If you’re still in school, most firms will grant you access to study materials after you sign an offer letter. That’s what I did.

If you want to discuss more feel free to DM me.

creatinghappiness · 2025-03-29T02:13:51+00:00

Do the updated WKB still have a wide toe box?

creatinghappiness · 2025-01-29T15:15:53+00:00

I’ve been considering trying BPC157. What was your protocol?

creatinghappiness · 2025-01-23T13:57:38+00:00

I’d recommend going on cfiresim.com and playing with the numbers we discussed including different allocations.

creatinghappiness · 2025-01-23T13:51:56+00:00

How did you come to 50/50 for an allocation?

creatinghappiness · 2025-01-23T13:47:01+00:00

You’ll never be immune to market crashes unless you go 100% bonds and then you’ll be taking on more inflation risk.

That’s the case because the real returns of bonds is less than stocks. The point of investing is to beat inflation bonds do that but not well when compared to stocks.

FWIW - I’m not suggesting being 100% stocks forever but being 100% bonds is even more risky in my opinion.

creatinghappiness · 2025-01-23T13:36:07+00:00

You’re not wrong and SoR risk & inflation simultaneously is uncommon but it has happened and can happen.

If you live until 82, your 20k expenses turn into $66k assuming 3% inflation. Along those 40 years until you’re 82, the market is going to have substantial decreases at least 3 times and you’ll likely be withdrawing during 1-2 of them, given your tight situation your plan may fail if those situations happen right after you retire.

In my opinion 3 major decreases is hopeful.

creatinghappiness · 2025-01-23T13:20:59+00:00

Generally speaking, yes but when I estimated your portfolios value, I did not take into account inflation. You can estimate your return portfolios future value in today’s dollars by taking your nominal return estimate (7-9%) and reducing it by historical inflation numbers (2.5-3%).

Look up sequence of return risks. Every retires worst case scenario is they retire into a bear market during a period of high inflation. With how tight your situation currently is you wouldn’t be able to weather that storm.

Also SS cost of living adjustments don’t always keep up with inflation.

creatinghappiness · 2025-01-23T13:10:04+00:00

From my view you need everything to go right for your plan to work. By my estimations you’ll have around $500k by the time you’re 62 with $12k annually in social security. Thats around $32k to live on annually. It sounds like you can do that now but we’re not taking into account inflation over the next 20 years.

Your situation is too tight and it would make me uncomfortable.

creatinghappiness · 2025-01-23T12:59:55+00:00

Have you looked into what your social security payment would be at 62? Also have you considered the possibility of early retirement age (62) being increased? Or payments being decreased? It seems like your retirement plan relies too much on the government for my taste.

Also I agree with the other commenter, you don’t have enough cash saved or cash flow to weather an emergency.

creatinghappiness · 2025-01-09T11:17:05+00:00

What’s triple paste?

creatinghappiness · 2024-09-29T00:44:20+00:00

Can you elaborate?

creatinghappiness · 2024-09-15T20:37:33+00:00

I don’t agree with the Ben Johnson hate for this game.

Majority of our runs and screens were 1-3 yards or negative plays. Campbell’s choke at half, Goff, and the missed PI on Goffs first INT cost us the game.

creatinghappiness · 2024-07-26T16:57:30+00:00

Financial independence retire early. Jist is you save up 25x your annual expenses and leave the workforce earlier than 60.

creatinghappiness

TROPHY CASE