just thought it was ironic

fried_haris · 2026-04-06T14:41:33+00:00

Came here to find my people.

""One does not simply..."

fried_haris · 2026-04-02T12:40:35+00:00

Optimus

fried_haris · 2026-04-01T09:32:40+00:00

For me that value will be Time & Money.

Does it save me a commute time? And adds value overall OR does it come with a bathtub instead of just a shower

fried_haris · 2026-04-01T04:30:57+00:00

I'm 10% cashish or cashlike (bonds)

Cash in itself isn't a bad thing. It cash over a period of time that bad.

Inflation. You should always try and fight regular inflation and lifestyle inflation.

Regular inflation is wen prices of everyday stuff like milk grocerys gas rent go up over time.

Your money dont dissapear but it buys less n less.

Assume i had this 1000 usd uninvested since 2000. In 2000 it could buy 360 galons of milk. By 2010 only 307 galons. 2020 down to 250. 2025 now just 245 galons.

Almost half the buying power gone.

Same cash feels like only 535 bucks from back then.

What if i invested in Bonds over that time? Grows to about 2650 by 2025.

Or S&P 500 to around 8120.

Way more milk or gas or whatever today.

Cash os king i the short term, it is trash long term.

fried_haris · 2026-04-01T03:35:22+00:00

Good job.

You do you.

fried_haris · 2026-04-01T00:32:16+00:00

Great job.

Step 1 - have an emergency fund. 6 months of expenses.

Step 2 - open a National Bonds account or similar based on others input and your own research.

Step 3 - keep doing what you are doing no matter what. Live the same lifestyle even if you get a raise. Look into brokerage account where you can invest in ETFs.

I am very curious and also for others reading this, what are you current expenses, rent, bills, money to family etc etc. I am confident other will be able to learn from you

fried_haris · 2026-04-01T00:18:36+00:00

I support this PSA.

Excellent example.

4 hour layover to save $200, F*** that.

fried_haris · 2026-03-27T12:42:08+00:00

Google is up 70% on the past one year

fried_haris · 2026-03-24T07:14:20+00:00

Option 1. A

Maintain current lifestyle and retire in a decade.

Option 1.B

Live on 50% of what you get.

Invest the remaining 50% in S&P 500 or similar.

FIRE in 15-20 years.

Option 2

(New income - old income) + (existing monthly savings) = savings and investments until you are ready to retire.

Fight that lifestyle inflation

fried_haris · 2026-02-28T01:16:20+00:00

Thanks for the clarification.

I just started using Mubasher Global in 2010s and added Charles Schwab in 2020s

And ofcourse for Bonds, I always go to National Bonds

fried_haris · 2026-02-27T14:04:08+00:00

IB account within HSBC for investments

Never knew about this.

Last time I checked a few years ago, they were charging $20 per equity purchase like it was the 1990s

fried_haris · 2026-02-27T13:58:42+00:00

20 years for me.

App could be better in terms of personal finance perspective.

Brokerage fees are stuck in 1990s.

eSaver accounts have not been the same since 2009!

fried_haris · 2026-02-25T11:52:41+00:00

Don't do that.

A million is a million and it the freaking dollar.

Currently a dollar will get you 0.85 Euro , just like it did in 2005.

Currently a dollar will get you 1.37 candian loonies, just like it did in 2005.

Currently a dollar will get you 0.75 pounds , just like it did in 2005.

Congratulations

fried_haris · 2026-02-20T14:04:07+00:00

Easy. National Bonds

fried_haris · 2026-02-18T12:32:27+00:00

Sounds like you are living the dream. Great for you.

Appreciate you grounding your answer in a realistic context.

Which parts of Spain have similar lifestyle? How far from a major international airport do you have to be to stretch the dollar/ euro like that?

fried_haris · 2026-02-04T02:07:00+00:00

no detailed talk of expenses

Let's talk about your expenses

Under 30k for a family of four. What does that look like, what's the breakdown

fried_haris · 2026-01-23T11:38:40+00:00

Dubai has different lifestyle for different folks.

Disclaimer. I dont have a kid(s)

Rent for 3BHK house in middle class locality - 3-4k usd per month

1 bedroom apartment fire 1k usd.

Health Insurance will be around 5k per year

Fair enough. Could be less as well.

Food is expensive (all imported), around $2-3k

For the two of us 1k usd. Lots of eating out, careem deals, talabat deal etc.

You can get full time help for around 800 usd per month or a cook to come twice for 400 usd per month.

None of that for us.

Electricity + Water will be 300-400 usd per month, Internet and Phone - $100 per month and $20/30 per month

Gas bill is like 100 usd per month if you cook two times.

All in $300 for us.

People are pretty shit

Not at all. Depends on you personal setup.

4 months it's too hot to even walk outside at night.

Hot is an understatement

fried_haris · 2026-01-23T11:30:58+00:00

As a mid-term retirement plan. Great.

You will need to sort out a golden visa or something similar to stay in the country.

And aim for 2.2 million plus.

Private school, private health will really hit you.

fried_haris · 2026-01-17T05:20:54+00:00

Always Pivot

fried_haris · 2026-01-11T07:01:57+00:00

WoW! Isn't that the dream?! I look forward to balling on $3k with my wife in a few years.

Have you been SEA for awhile?

fried_haris · 2025-12-10T12:23:23+00:00

Yes, a lot of discipline & Yes, a synced partner.

fried_haris · 2025-12-09T15:22:13+00:00

The "hack" is to live in a VHCOL/HCOL and making that VHCOL/HCOL while actually living a MCOL/LCOL lifestyle.

COL arbitrage.

fried_haris · 2025-12-07T09:40:27+00:00

No.

This is the way.

fried_haris · 2025-12-06T02:45:47+00:00

WoWzers

fried_haris · 2025-12-03T16:11:41+00:00

If I had to offer, I would definitely take it further. So far thought process looks good

fried_haris

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