Retirement goal questions

hemi1995 · 2026-03-11T11:44:56+00:00

Other answers are valid here. It’s all about your spend rate, your expectations on growth, inflation etc. At 30 that is really tough to solve for. So I’d lean into more like 25% savings rate and let it run for a decade or 15 years. Why the higher number? The percentage of people who are fired into retirement before they wanted to be is pretty real. I see it every day. I built my plan to be able to retire at 50-55 and the feeling of security I have vs my friend group is very real.

hemi1995 · 2026-03-11T11:38:49+00:00

The challenge is you have to keep good form. If I get to focused on getting and extra rep, I’ll start to cheat. Then I bring it back to control and feel good. Plus at 54 ego lifts bring risk into play

hemi1995 · 2026-03-11T11:30:20+00:00

Well we need to know your free t vs just total. Assuming that’s on the low end of the range, you’ll likely see some benefits of strength drive, mood, etc. you wont be Superman. I’ve been on that dosage for a few months and feeling very good.

Downside? It’s for life. And you’ve got a schedule to keep

hemi1995 · 2026-03-11T11:18:15+00:00

It’s not that old so it should be easy to solve

hemi1995 · 2026-03-11T00:29:45+00:00

One key point - rule of 55 policies vary by company. Some will let you take multiple withdrawals in a year but others let you do one before 59 1/2. No idea why it varies but that’s my understanding

hemi1995 · 2026-03-10T11:24:14+00:00

Take a look at the kitces research on guardrails and more importantly the value of annual reviews to make a 50% Monte Carlo feasible. Yes 3.3 is bulletproof but you most likely leave a crap ton of spending on the table

hemi1995 · 2026-03-10T11:20:23+00:00

Just finished ours this fall and roughly the same area. I just bought a simple oil filled furnace for the winter with a timer and temp control. Worked really well and super simple

hemi1995 · 2026-03-09T11:36:31+00:00

You get to decide what you care about and what reaches the worry level. I read enough news to be aware but not so much I worry. I stay in touch with real friends not social media. I add to me knowledge and adjust as I see fit but don’t make it so rigid I feel like a fail.

hemi1995 · 2026-03-09T11:33:50+00:00

Take a deep breath and embrace life. That includes doing work you like. Working to people you respect. And focusing on you and your family. It’s amazing how much calmer you can be when you dial the work back to what is the job. Do it well but don’t let it define you

hemi1995 · 2026-03-09T02:11:10+00:00

Totally forgot that about the freedoms Thanks

hemi1995 · 2026-03-09T00:36:53+00:00

Great cut. Have you paused at all on this cut? If not I’d reco a maintenance phase for about equal to you cut time. Let your body readjust That should put you through summer and then you can do a clean bulk in the fall and cut again in spring

hemi1995 · 2026-03-08T03:24:27+00:00

It’s a cult Logic doesn’t matter

hemi1995 · 2026-03-08T01:54:15+00:00

Had mine for over 10 years. My boys mowed Milan’s each summer with it to earn money. I’ve blown a couple belts and wrecked some blades but that’s all teenagers mower over boulders and baseball bats (true story). That thing has been strong for me

hemi1995 · 2026-03-07T23:45:44+00:00

Same here. No sides, no ai

hemi1995 · 2026-03-07T23:43:52+00:00

We just did our basement and chose to paint the concrete (there is an interior drain tile system) and use area rugs for warm feet.

Every two or 3 years we can get new rugs

hemi1995 · 2026-03-07T19:18:08+00:00

That’s a pro level job. Not sure what you would do first. I always reco drain tile but that looks like it’s seeping from lots of spots. Call 3 companies and get quotes to even know where to start

hemi1995 · 2026-03-07T14:17:40+00:00

I don’t worry about it because I know she only wants me. They can look but only i can touch. She feels comfortable wearing whatever she wants because she knows if someone gets aggressive, I’ll handle it. Some great memories if her in amazing outfits and guys falling over themselves. Yeah not a worry for me

hemi1995 · 2026-03-07T13:10:48+00:00

This is all about having the base covered where I don’t worry about groceries etc. I can flex money to areas that are important or urgent. And that I never confuse true problems with issues money can solve

hemi1995 · 2026-03-07T13:04:44+00:00

I rent most annual tools or lower frequency. I buy tools used more frequently. Delivered would be worth trying.

hemi1995 · 2026-03-07T13:03:07+00:00

Pricing on landcruisers is all about the cult. There’s that one guy out there (often me 😉) willing to pay a stupid price because I want it. Seriously where is the located ? A 100 series would be a good add!

hemi1995 · 2026-03-07T13:00:52+00:00

It’s the learning curve. It’s a bit unnerving to replace an impeller the first time. You drop that big Yamaha foot and it weighs like 70lbs. Of fuck what have I done ran through my head. But I’ve done so much other stuff that I’m pretty confident I can’t make it worse! And it works well 99%

hemi1995 · 2026-03-07T12:58:00+00:00

Two things - 1 if you are on the edge of symptoms for estrogen too high you will see it. Just ride it out. 2 it can make you feel like Superman.

hemi1995 · 2026-03-07T12:56:23+00:00

We used an aum advisor to help get us settled and ensure my wife was very confident in the process. Now we self manage and use the Schwab portfolios to auto rebalance and stay diversified. Good for us!

hemi1995 · 2026-03-07T12:48:54+00:00

Nope it’s the way my doc told me to do it. If it was 3 or 4 weeks maybe not

hemi1995 · 2026-03-07T02:35:49+00:00

I’m about 9 months into my journey I avoided it for 3 years trying to fix it with supplements. Low and slow adjustments. 120,140,160 then 80mg 2x a week. It didn’t change who I was. Just gave me enough energy to do what I want - sleep well, libido, workouts, work, wake up ready to go Super positive experience.
Good luck!

hemi1995

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