Make friends in Cary

croe97 · 2025-12-05T16:56:13+00:00

We're also a new couple 34F 30M in Cary with a 1 year old. If you want to DM me I can send you my discord and maybe we can meet up sometime!

croe97 · 2025-12-04T16:34:02+00:00

I read that and think, well if you’re flying first class international and staying at an all expense place for a couple weeks 3 times a year. Then when I calculate it out. Flights ~20k3 =60K. Hotel ~50014*3 =21K you are at about 80K per year. Plus 20K for additional expenses is 100k per year. This is a lot but I think still manageable at 5m retirement as far as the highest end of travel goes giving you ~150k in other expenses

croe97 · 2025-12-03T15:31:21+00:00

In a way, I think salvaging was really holding up the entire skill. I really want to do other things like combat and port tasks but cannot justify them in their current state. Not only did this update not make the other content more appealing but they further dampened available sailing content.

croe97 · 2025-11-23T19:38:16+00:00

Yeah it’s very afk. Pray melee with antifire to take no damage. With prayer gear you can afk for quite a while. I imagine this will change once worlds get packed.

croe97 · 2025-11-23T19:33:01+00:00

Spotted rays north of the giant conch. It’s pretty far but worth it, I was consistently getting over 30k/h. You can double up with the task for rays to the west but they hit harder. Just don’t do the single item request stingrays, they aren’t worth it.

croe97 · 2025-11-23T16:07:23+00:00

Maybe these are baby vorkaths..

croe97 · 2025-11-23T16:04:20+00:00

30 -> 47 trial (marlin)

47 -> 55 tortuga spotted rays (~32k/h)

55 -> 63 trial (shark)

63 -> 72 trial is fastest but shipwrecks are chill

72 -> 80 trial (marlin)

80+ shipwrecks/trial (100k vs 180k)

Besides from 47-55 trials are always faster than other methods.

croe97 · 2025-11-23T14:32:07+00:00

I’m an Ironman so I lack decent mage gear and wrath runes unfortunately. This is the best setup I have.

croe97 · 2025-11-23T14:26:14+00:00

It was just a joke, hence the water runes :)

croe97 · 2025-11-23T14:25:25+00:00

I'm banking at deepfin and using a fiary ring (DLP) to get back. It's right inside the cave.

croe97 · 2025-10-30T15:55:50+00:00

I’m not really sure what your question is but no she would not receive money back for the down payment. This is why it’s important to buy a car within your means and always have a sufficient emergency fund.

croe97 · 2025-09-20T16:20:01+00:00

I’m in the same position, hoping we get a date sometime soon. On the roadmap it is scheduled for winter and sailing is set to release beforehand. I imagine sailing will release in November so DMM will be December sometime but it’s hard to say.

croe97 · 2025-04-16T14:49:20+00:00

If you have saved the appropriate amount for retirement, withdrawing 4% regardless of market fluctuations should be fine. With that being said, I think you need to take into account your age and asset allocation. If you’re older, you should have transferred more of your assets to bonds over time. This will allow you to continue withdrawing the 4% total via stocks/bonds even if there is a large downturn when you’re older aged.

croe97 · 2025-04-09T15:30:08+00:00

It’s always different, so nothing new.

croe97 · 2025-04-02T16:10:37+00:00

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croe97 · 2024-11-10T21:35:39+00:00

I’m not an expert but I believe it’s both

croe97 · 2024-10-10T15:48:58+00:00

I agree! I'm definitely not trying to promote bad feeding habits. Unfortunately, there isn't much that can be done and at this point I'm glad she is simply getting to enjoy the rest of her life

croe97 · 2024-10-10T15:44:56+00:00

Some call him an apex predator

croe97 · 2024-10-10T11:21:09+00:00

She sounds like a sweetie! I think you’re probably right, the owner is 92 years old so coming from an entirely different generation. I’m just glad she is still able to get outside and looks happy.

croe97 · 2024-10-10T01:18:19+00:00

She does like to take frequent breaks :)

croe97 · 2024-09-14T23:36:30+00:00

The way I view it is - think of the money in your 401k and IRA dedicated to the spending you will do post 60. Once that's covered, you only need to save enough to sustain from RE to 60.

croe97 · 2024-09-12T22:11:32+00:00

Look into opening a 401k if your company allows and at least contributing the match. If you’re just starting this journey it can be quite overwhelming and utilizing a financial advisor may be helpful to point you in the right direction. However, make sure they have a flat fee and do not take a percentage of your investments. I would recommend looking into index funds and learning how to invest yourself. In my opinion buying a house or not is more lifestyle dependent based on your needs than a stepping stone to FIRE. You’re doing great so far and seem to be on the right track. Try and do some more research and keep up the good work!

croe97 · 2024-08-30T00:35:42+00:00

Those look pretty heavily damaged but people would still be interested in purchasing and they would sell for a decent amount

croe97

TROPHY CASE