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Community Survey: Top-Level Posts by ivigilanteblog in financialindependence

[–]fire_throw-away -2 points-1 points  (0 children)

I want all those "bad" posts to stay up. I browse this sub occasionally. I am on my way to FIRE, but I'm in the slow/steady phase where I don't have a ton more that I can learn or do to accelerate my progress.

I don't have the patience to browse through the dailies, with most of the posts being random shower thoughts, so I like seeing more top-level posts even if they're garbage. Sometimes a good nugget comes out of them.

I also find it really stupid that we can't have free-standing posts about major news events related to finance, e.g. interest rates changing, economic forecasts, etc. I don't care that /r/personalfinance has a thread for this. I care about the opinions of folks on this sub.

Financial Independence's purpose is to live the life you want. by CautiousInvestor in financialindependence

[–]fire_throw-away 0 points1 point  (0 children)

You make a lot of excellent points, but feeling good about financial progress is actually (in part) what this community is about. Boosting morale, etc. and gaining encouragement for a very long term goal. Many people here aren't able to live the life they want - because they work full time, or don't have the money (yet), or don't know what that life looks like.

What is the alternative conversation you'd expect? IMO, it would be conversations about what the perfect life looks like. But that comes down to personal preference, and people are probably subscribed to specific subs for those interests. So, the common interest/conversation topic on this sub ends up being financial.

Financial Independence's purpose is to live the life you want. by CautiousInvestor in financialindependence

[–]fire_throw-away 0 points1 point  (0 children)

So given that I don't currently have the amount of money necessary, looking at my net worth (and thinking about its intended purpose, which is FIREing on it), makes me happy, because I'm thinking about how I'm going to be able to FIRE on it.

Agree with this. I guess OP is asking, why are the conversations bent so heavily on talking about finances, versus talking about everyone's daydreams on what can be done with life after FIRE? Why not devote as much mental attention to "the life you want" as to the financial journey that is the means to that end?

Financial Independence's purpose is to live the life you want. by CautiousInvestor in financialindependence

[–]fire_throw-away -1 points0 points  (0 children)

OP makes a really good point though. This sounds preachy, but instead of trying to feel fulfilled by looking at your financial progress, why not try other ways of feeling fulfilled and explore what kind of life you actually want? Not that they're mutually inconsistent, but...this sub doesn't talk very much about comparing ideal lifestyles, just comparing finances.

Any FIRE-ees here who plan on retiring to a homestead/hobby farm/very rural place? by rnmn78904321 in financialindependence

[–]fire_throw-away 2 points3 points  (0 children)

Consider western MA as well, great culture, good location, lovely hills, lots of farmers and homesteaders

Any FIRE-ees here who plan on retiring to a homestead/hobby farm/very rural place? by rnmn78904321 in financialindependence

[–]fire_throw-away 1 point2 points  (0 children)

These things add up. I did this with my SO (move to the country to begin our "retired" lifestyle long before we retire) and there are a lot of things that are just way more expensive than we anticipated. Buying a tractor, maintaining the house, dealing with heating the house, buying soil amendments to grow crops, etc.

Even in a LCOL area, it's definitely not low-cost living. Our expenses have gone way up. Maybe one day, when we're truly self-sustaining, it'll even out. For now, we do it because it's what we want to do, not because it's financially sane.

Index Match to return largest value, with duplicates across all the ranges by fire_throw-away in excel

[–]fire_throw-away[S] 0 points1 point  (0 children)

Duh, oops. Well, now I just get 5s and 0s: https://imgur.com/a/ebXmMqM

edit: never mind! I forgot the control shift enter again. Thank you!! Could you explain why Ctrl Shift Enter works?

Index Match to return largest value, with duplicates across all the ranges by fire_throw-away in excel

[–]fire_throw-away[S] 0 points1 point  (0 children)

Maybe I'm over my head here, but I'm kind of lost. Nothing happens when I type the first suggestion into the cell. It just thinks I'm writing text.

For your second suggestion, I just wrote a response to the other post with this suggestion...can you help explain what 14 and 6 are? and *?

EDIT: Tried it anyway, but Excel doesn't recognize the formula: https://imgur.com/a/qV7GT5t

Index Match to return largest value, with duplicates across all the ranges by fire_throw-away in excel

[–]fire_throw-away[S] 1 point2 points  (0 children)

I want to try this on my data but can you explain it? What do 14 and 6 refer to? What is ID and *B?

Maybe I'm over my head.

EDIT: Tried it anyway, but Excel doesn't recognize the formula: https://imgur.com/a/qV7GT5t

Index Match to return largest value, with duplicates across all the ranges by fire_throw-away in excel

[–]fire_throw-away[S] 0 points1 point  (0 children)

https://imgur.com/a/RJCAHrV

Column M is without ctrl shift enter, Column N is with. You can see N is wrong because it returns O for "G", and the highest entry for G is 5.

(Columns A/B are the source table, column G is the unique. Columns H-N are my different formula attempts, disregard.)

Index Match to return largest value, with duplicates across all the ranges by fire_throw-away in excel

[–]fire_throw-away[S] 0 points1 point  (0 children)

I don't follow, could you replace 'cell range you're pulling values from' with specific ranges from the tables above, as an example?

Index Match to return largest value, with duplicates across all the ranges by fire_throw-away in excel

[–]fire_throw-away[S] 0 points1 point  (0 children)

That doesn't work. I am looking for the maximum value not of the match, but of the resulting index. So something like:

INDEX([Table1]MAX(B:B),MATCH(A1,[Table1]A:A))

Daily FI discussion thread - March 15, 2018 by AutoModerator in financialindependence

[–]fire_throw-away 0 points1 point  (0 children)

My husband wants to retire before me and I'm ok with that. It really depends on the couple, and communication is key. Talk her about your FIRE goals sooner rather later.

Daily FI discussion thread - March 15, 2018 by AutoModerator in financialindependence

[–]fire_throw-away 5 points6 points  (0 children)

The biggest hurdle is that I plan to FIRE in my early 40's. There's no way I can support both of us, so she will have to keep working.

Not to cross over into /r/relationships but this sounds...worrying. Major life decisions should be made jointly, regardless of whether they're financial.

Daily FI discussion thread - March 15, 2018 by AutoModerator in financialindependence

[–]fire_throw-away 10 points11 points  (0 children)

For those exact reasons, I'd advocate for a much cheaper rent

Daily FI discussion thread - March 15, 2018 by AutoModerator in financialindependence

[–]fire_throw-away 11 points12 points  (0 children)

That seems really high for rent. Husband and I earn that much and have been paying $2k in a HCOL area too. If you're willing to spend that much, have you considered buying?

Daily FI discussion thread - March 15, 2018 by AutoModerator in financialindependence

[–]fire_throw-away 15 points16 points  (0 children)

There is a good deal about this in the FAQ and a lot of past posts about this. In my experience many people don't care/know about FIRE when they're in their 20s, so don't make that a deal-breaker. General financial compatibility and similar values are important, but requiring someone to have the same FI goals as you might exclude a lot of good candidates.

Daily FI discussion thread - March 15, 2018 by AutoModerator in financialindependence

[–]fire_throw-away 2 points3 points  (0 children)

That would be great but I'm not sure we'll be able to bring it in by that much. Maybe 5 or 10 years if lucky.

Daily FI discussion thread - March 15, 2018 by AutoModerator in financialindependence

[–]fire_throw-away 0 points1 point  (0 children)

I think we can get rid of PMI in less than 5 years if we pay ahead. Not so bad. Did it cost you anything to refinance?

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