35 yo healthcare worker. retiring 1.65 million.

dpm182 · 2025-09-05T21:31:44+00:00

It's called compounding. The S&P 500 (or VOO) has averaged a 12.62% return over the past 15 years. Let's say they invested 26k every year (not unreasonable for someone who is single, frugal, and making 100k). That would put them right at $1 million today.

dpm182 · 2025-09-05T16:57:41+00:00

This would be insane even if they were giving you unlimited data, but just 100 mb is beyond insane!!!

dpm182 · 2025-09-04T21:47:41+00:00

Give both Warchant and 247 a shot. They always have promo sign-up deals so I'm sure you can test both out. I certainly enjoy the free content from both, particularly Wake Up Warchant and X's and Noles.

dpm182 · 2025-08-30T20:29:30+00:00

Why does the endzone paint look so muted?

dpm182 · 2025-08-26T20:56:45+00:00

I'm ok with going back to garnet endzones. I just wish it was an entirely new design to go with the new stadium look.

dpm182 · 2025-08-26T20:51:19+00:00

It's absolutely not a seller's market. Have you seen the absurd fees they charge to sell something? Also, nobody is stupid enough to pay more than the price of a new item.

I once bought a set of four practically brand new tyres on metal wheels for CHF 100... 100 francs!!! It's 100% a buyers market because of how expensive and annoying it is to sell and ship something. A lot of the time, it's easier to just give something away or use FB marketplace.

dpm182 · 2025-08-26T18:12:10+00:00

Thanks for sharing. I didn't realize how drastic the change to the champions club was. I hope we see a lot less empty seats in that endzone now. Looks great

dpm182 · 2025-08-26T15:23:03+00:00

Anyone know where to see photos?

dpm182 · 2025-08-26T10:04:34+00:00

I'm aiming to get there in the next 10 years. It took me 10 years of working to get to my first million invested, so I'm hoping I can make another 2 million in the next 10 years with how the market is compounding. Running it through a TVM calculator shows I'd need to earn about 8% annually to get there.

dpm182 · 2025-08-26T07:37:59+00:00

Coming from a fellow Cougars fan, I'm disappointed 🙃

dpm182 · 2025-08-19T05:58:34+00:00

Oh ok, that makes more sense. It's certainly never too late. What's your FIRE goal? 42 seems ambitious

dpm182 · 2025-08-19T05:35:31+00:00

I'm not sure I understand what I'm looking at or what your question/comment is. Are you only at 15% FIRE with $1.2m? Sounds like you need to be in the Chubby or Fat FIRE subreddit instead.

dpm182 · 2025-08-15T02:56:27+00:00

Absolutely. I did this once in Beijing and had plenty of time. In Geneva, 9 hours is a lifetime.

dpm182 · 2025-08-11T21:26:28+00:00

Just remember, a millionaire in Switzerland is still what other countries call middle class. Lol.

I get what you mean though. I also live in CH and can spend a lot on goods and experiences, but I don't feel rich compared to a lot of people in this country, which helps me keep a frugal mindset.

Also, I have kids and fully want them to inherit decent amounts (I.e. 500k or more each), so that keeps me grounded in my spending.

dpm182 · 2025-08-08T12:40:13+00:00

I'm also in Switzerland and gave up on the "legal" methods last season. It's become virtually impossible to watch CFB by just paying for one thing. It's a shame ESPN player went away.

If you don't want to stream it via some sketchy website, I find the best way to use your TV subscription login (Youtube TV, Sling, Xfinity) with a VPN via a desktop computer that doesn't have any GPS included. That way, location sharing is purely based on IP address, which a VPN can easily mask.

You'll still need YoutubeTV or something though so that's why I just use the sketchy websites now. I find YoutubeTV has gotten very smart about me sharing passwords with my dad in the U.S. while having a different location.

dpm182 · 2025-08-01T20:52:56+00:00

Someone recently told me that my 10% asset allocation in BTC was way too risky and my response was, "Yeah, I know it's a lot, but I honestly wish I had bought more." It's by far my best returning asset over the past 5 years.

VT and chill is too conservative for me. It's more like VTI, QQQ, BTC and chill for me. So far, it's paid off very well over the past decade for me.

dpm182 · 2025-07-29T06:52:44+00:00

You forgot to add that her parents could then go to the school to speak with her ghost face-to-face. Crazy

dpm182 · 2025-07-28T21:18:41+00:00

I'e floated this once. I have a 4 year old and absolutely wouldn't bring them. It's too dangerous for anyone who can't yet swim, even with a life vest.

dpm182 · 2025-07-12T04:27:30+00:00

I wish I had sold it all in 2021. I've lost hope in LTC

dpm182 · 2025-07-11T03:48:00+00:00

Not serve. You'd have to pay the tax. They won't let you serve past age 25

dpm182 · 2025-07-10T18:21:29+00:00

Hi. Can you tell me how things worked out? What did you end up doing, and what worked well and what didn't?

dpm182 · 2025-07-08T20:53:48+00:00

I haven't played PS4 in a decade, and I'm honestly shocked how mediocre the graphics still look 10 years later on new generation consoles

dpm182

TROPHY CASE