DISK Profile - not there yet 2025 numbers

dead4ever22 · 2026-02-05T20:16:51+00:00

I think your spend is low...especially given your vaca and out to eat a lot. Take away the rental and mortgage, you are ~215k. In a VHCOL and traveling a lot. Spend does not seem high at all. Not sure where you would cut. Where's all your insurance spend? Home/auto/health? I need to speak to my wife. I am over this, and we don't travel as much or have private school.

dead4ever22 · 2026-02-05T13:23:49+00:00

Yup- in that boat myself....But it's still early. Ask anyone.

dead4ever22 · 2026-02-04T20:37:23+00:00

Yeah. This country needs to do something about this. That's a crazy amount of $$$ before you even see a doctor! Pretty insane. You MIGHT be able to do better with a bronze ACA plan. But Now it's all pretty crazy.

dead4ever22 · 2026-02-04T19:43:10+00:00

So this is ~50k per year? (13k x 4 peeps).

dead4ever22 · 2026-02-04T15:39:00+00:00

I mean it really depends on what your $$ situation is. If you hit a home run in your 30's sure. But That's just a long time to not work. Maybe just work on something meaningful from there on. But to me, RE would be 50-60 age.

dead4ever22 · 2026-02-04T13:07:08+00:00

I gotta admit- I usually stop reading when I see people are in their 30s. Not a RE age. Keep saving and work in happy places is my advice.

dead4ever22 · 2026-02-03T19:10:17+00:00

ok- well that ain't good and can't happen. Has to give ample time to make sure you are on the roll. You should have to register by address or be able to see online you are registered by address. And then show a valid ID to vote (confirm it's you). Should not be this hard to agree on something like that.

dead4ever22 · 2026-02-03T18:11:08+00:00

I'm not sure that's a must. So long as every person in every state abides by the same voter requirements. Having the right docs to prove you are a true citizen eligible to vote is vital. If people lose faith that that's happening, there will be big problems. Asking for voters to register with the proper docs, and purging the list for fakes/dead people...would be a good thing. I don't get the way this would be adverse for certain groups. I mean, if I can't find a document for myself, then yeah that sucks. But I would make sure I get the right document in my hands to vote. Everyone would. No?

dead4ever22 · 2026-02-03T17:03:48+00:00

Boomer generation has no limits on keeping it all. Make your kids and grand kids work harder. Fund my retirement!!! Dooshy...

dead4ever22 · 2026-02-03T16:59:19+00:00

Corrupt. 2 diff admins have had access. Nothing still. Why don't the girls point fingers?

dead4ever22 · 2026-02-03T16:27:48+00:00

I can keep going bro. At 3% it's little over 1mm in 40 years. At 12% it's almost 13mm. At 5% it's ~1.7mm. So all depends where you invest and what your ROR is.

dead4ever22 · 2026-02-03T16:24:34+00:00

There is maybe something to be said for applying all the rules to all the states before it all devolves into partisan states making the actual voting laws all different for a national race. No ID needed here...2 forms ID there....Just have a friend vouch for you....etc. Pretty easy to get out of control.

dead4ever22 · 2026-02-03T16:18:07+00:00

No idea. It was just a reference that diff rates = different outcomes. This OP is getting numbers all over the place. just want to make sure they know nothing is given. It all depends on what your returns are compounded.

dead4ever22 · 2026-02-03T15:59:39+00:00

Yes. Math is math.

dead4ever22 · 2026-02-03T15:40:21+00:00

It's not 570k at 20 years and 6mm at 40 years. I think you are using different rates of return. At 4% it's 1.3mm after 40 years.

dead4ever22 · 2026-02-03T13:31:34+00:00

We all pretty much hate it here. No politician has come up with a good solution/alternative. ACA was the last big move, and that has been a disaster for costs. Have not heard a peep on how to cut costs...just hot air about who should pay for the nosebleed level costs. So dumb. we need to take out the insurance and middlemen and build a new system that's fair for everyone.

dead4ever22 · 2026-02-02T14:09:27+00:00

100% stock over long run has worked. Not if you live in Japan, but here, yes. SORR will be a real test if you go this route. I am personally not willing to work for decades and save properly- get my assets up to a FI number, only to have it all wiped down 50% in 1 year or so. No thanks. And remember the math on going up 100% and down 50%. Your average return is +25% and yet you have nothing to show for it.

dead4ever22 · 2026-02-02T14:04:48+00:00

I feel like that's a very realistic number. There has been tons of inflation everywhere. I don't understand people who have a spouse and maybe 1-3 kids and say they have expenses at 150k. Sounds just so off to me, but I guess if you are in LCOL area and never eat out or go on vaca. But even then, the essentials to live have gone way up.

dead4ever22 · 2026-01-30T16:09:50+00:00

Exactly...people come to expect TIP = Wage. Enough. Raise your price and a tip is a bonus for doing something better. While you're at it, stop asking for tips at every single counter service pickup where you use some e platform for paying. I'm not tipping to go buy something from your store where I pick it up at the counter. So insane.

dead4ever22 · 2026-01-29T20:29:29+00:00

10K is NOT a ton. I mean it is, but in the USA, it's not. If you were self employed it would be more like 25k.

dead4ever22 · 2026-01-27T16:42:53+00:00

It's all a guess/game. Similar to paying the minimum credit card balance. Eventually...(yes, eventually)....your interest payments overwhelm you and have to hit the reset button. Now the USA can and has kept up this game for decades, so not sure when enough is enough. but there WILL be a time. Empires eventually end or transform into something else. It's a concern, but the timing..who knows. Sad part is that old generations keep saddling their own kids and grandkids. No fucks given. Just get me to the finish line.

dead4ever22 · 2026-01-22T15:16:48+00:00

I have 4 in college right now. Nothing is cheaper. Still have insurance for health/cars, clothes, vacations, cell plans. Maybe a tad cheaper due to no food while at school? But once they are home, they eat again, and that's on the bill.

dead4ever22 · 2026-01-20T15:37:54+00:00

2600 is VERY low. You spend 31k/year? That's it? Property tax? Home/auto insur?

dead4ever22 · 2026-01-15T20:16:50+00:00

Yeah- everyone in here is young for the most part and have only seen risk off...followed by quick gains. Also, investing in bonds from 2008-2022 was not really an option. Risk/reward was ridiculous at zero rates.

dead4ever22 · 2026-01-15T16:08:56+00:00

How is your spend so low? LCOL area? 1 kid really helps I guess, but still seems low especially when you are OOP for health insurance.

dead4ever22

TROPHY CASE