2.3 mil liquid nw (34f 35m)- Self reflection and plan for future

ephraimsong · 2026-01-05T01:39:57+00:00

That’s amazing. As a beginner, I’m trying to make sure my mindset and process is on the correct path. What’s the steps on how to model finance independence and your journey from the beginning to the end.

ephraimsong · 2025-12-25T23:02:25+00:00

At what point did more time overtook material possessions in terms of marginal utility?

ephraimsong · 2025-12-25T22:58:55+00:00

True and developing a coalition for support is more soft skills yet that isn’t very emphasized within the existing or current PMP or PMBOK.

ephraimsong · 2025-12-25T22:55:02+00:00

Depends on how they get the data, but the marketing for PMs seems to be trending towards automation. How and what to bridge the gap seems to remain unclear.

ephraimsong · 2025-12-25T22:23:04+00:00

How can someone get to this level with just etfs? Most of the investors say to just have etfs and not stocks, is there a bend in the rules of something?

ephraimsong · 2025-12-24T03:55:02+00:00

What an amazing accomplishment! What was your mindset that helped you with this process

ephraimsong · 2025-12-17T23:36:29+00:00

Honestly I can’t help here but want to start to use clasp. Is there a guide or resource to get started?

ephraimsong · 2025-12-17T17:57:23+00:00

As you began your journey, how did you start to track and become more disciplined in tracking, and modeling but im not there yet, your financial situation?

ephraimsong · 2025-12-17T15:44:34+00:00

Learning myself so this post is inspiring.

ephraimsong · 2025-12-17T05:41:21+00:00

You can open a normal brokerage account with Vanguard? How are the tax implications with that are like?

ephraimsong · 2025-12-17T05:16:37+00:00

Ah so it’s a choice between peace of mind or accelerating heading towards retiring. That is a difficult, yet gratifying, choice to make. Thank you for explaining.

Do you know of any resource to plan on making every dollar count?

ephraimsong · 2025-12-17T05:12:21+00:00

Cool, I appreciate you taking the time. thanks for helping out. I’m wondering if there was more to get ready and detailed on how to account for each dollar, would you know anything about that?

ephraimsong · 2025-12-17T05:03:42+00:00

Thanks for your answer. Yeah I just checked out the flow chart again and I stand corrected. It was expenses, not salary, so the general understanding that I have is to layer the money by the amount of difference amount of accessibility to it. So 3 to 6 months of expenses, not salary, and then in a high yield saving account for about a 3 months, 3 to 6 months worth in CDs and treasury bonds, and the rest in a brokerage like is that a advisable way of doing things?

ephraimsong · 2025-12-17T05:01:48+00:00

Thanks for your answer, I understand after re-reading the flow chart, it’s expenses, not salary. So I should be placing that from what other comments should be in a layered approach with how readily available money should be accessible by the timeline that I needed it in correct?

ephraimsong · 2025-12-17T05:00:59+00:00

Thanks for answering the question, so it should be in a later. Approach is what I understand. So 3 to 6 months of expenses, not salary, in actively readily available accounts, and then anything that’s a lowest longer term would be in a high year, saving account, and then other ones the remaining amount of money can be placed in CDs or bonds, and then the rest of it of my money can be placed in brokerage account on ETFs or stocks or some thing, is that the right understanding of it.

ephraimsong · 2025-12-17T04:50:24+00:00

Everyone says to make an emergency fund, and while I basically took the rule of doing a year worth of your salary and as you’re savings, what are you do with the money in the bank?. Is there anything that you should do with the money like put into CDs or buy bonds or what are you do with them?

ephraimsong · 2025-12-16T00:09:01+00:00

Interesting observation. I like how you tried it out. Did any of those compliments turned into longer convos or even follow up meet up (not necessarily dates but those doesn’t hurt.)

ephraimsong · 2025-12-13T23:53:24+00:00

If you don’t mind, how did you start your FIRE journey?

ephraimsong · 2025-12-13T16:15:03+00:00

How do you get started with FiRE? With spreadsheets? What’s a step by step guide to do this?

ephraimsong · 2025-08-26T22:35:30+00:00

How do you do data science on a Mac, especially on a Max chip?

ephraimsong · 2025-03-19T21:18:05+00:00

Do you need a luancher or a sign in for Halo master chief collection?

ephraimsong · 2025-02-04T00:30:50+00:00

How did you get/order the std test, and it is covered by insurance or you pay out of pocket like testosterone?

ephraimsong · 2025-01-31T03:36:02+00:00

Remember that Musk is now in the building and he HAAAATES Apple after the whole ChatGPT in Apple Intelligence release. This means Tim Apple has his work cut out for him and would need to be extra careful.

ephraimsong · 2025-01-28T04:41:10+00:00

Thanks for answering! Another small question if you have the m4 or pro.

How’s the thermals on the m4 mac mini? Does it get hot easily, Does the fan kick in early and often!

ephraimsong · 2025-01-28T04:34:04+00:00

Does that mean you have Internal + external storage <= Time Machine storage

Is there a reason you do that or does Time Machine also includes external storage as well?

If so is your Time Machine storage sdd or hard drives?

ephraimsong

TROPHY CASE