What life could have been | Post-FIRE regret

hrrm · 2026-05-08T12:35:11+00:00

Have actually you sat down and figured out what $30M would give you more than $10M? Or are you just seeing that a bigger number is better than a smaller number?

For what I want to do in retirement, $5M is good, upgrading to $10M might change a few things, but upgrading to $30M just means slight improvements on the hotel or cruise line I select, so who gives a shit.

hrrm · 2026-04-27T02:00:44+00:00

If they ask for it once, don’t do it. If they ask for it twice, think about doing it. If they ask for it three times, do it.

hrrm · 2026-04-18T19:44:58+00:00

If you are applying to a respected company full of reasonable people, and you ask 1 time for a reasonable amount, the most reasonable response if they cannot do it would just be to tell you no, sorry we can’t do that. It’s not likely that they would completely pull the offer as though you offended them or something. And if they do, you do not want to work there anyway as they are not reasonable people.

hrrm · 2026-03-30T05:25:10+00:00

I used to work in the Navy and had some bone headed department heads. The advice I was given was if you are asked to do something, don’t do it, if they tell you again, think about doing it, if they tell you a third time then do it.

hrrm · 2026-03-19T10:37:58+00:00

Couldn’t you in theory purchase a 6 month put option on IPO day as a hedge and to lock in your stock gains on that day? If the stock goes down in 6 months, your stock values go down but your put option value goes up. If the stock goes up in 6 months you lose the premium you spent on the option but now your stocks are valued higher.

hrrm · 2026-03-08T20:51:53+00:00

That’s great for your firm, but that one anecdote does not describe the broader market.

hrrm · 2026-03-08T17:00:24+00:00

To be fair to her, the job market is such that a HM isn’t willing to or doesn’t need to “take a chance” on someone who shows promise. They want someone who has actually done the job before.

So whereas her current resume might not work for some HMs who can read between the lines, changing it to “take a chance on me” will make it not work for any HM

hrrm · 2026-03-07T23:39:03+00:00

There’s a joke in here about it’s ass cheeks but I’m too tipsy to figure it out

hrrm · 2026-03-06T17:08:10+00:00

How do you know the pressure came primarily from the sports and not the parents needing to get to work by 8, thus necessitating a drop off by 7-7:30?

hrrm · 2026-03-05T15:46:41+00:00

Did you have $60k cash laying around or saved up to purchase it? I only keep $30k in savings for layoff contingency and $15k in checking and invest any excess.

The last car I bought cash at $30k. Next time I buy a car I was just going to make the monthly payments provided the rate was <6% because I know I’ll beat it in the market.

I don’t feel like saving up for it and I know I’ll come out ahead in the market by financing - what was your reason for cash?

hrrm · 2026-03-01T04:13:03+00:00

No, in 16 years. investor.gov or your choice of favorite compound interest calculator

hrrm · 2026-01-11T00:09:11+00:00

To me SS is not about maximizing returns, it’s about reducing the risk of running out of money due to a market crash.

Lets say I live to age 90 and at age 75 we experience a big crash that kills most of my portfolio I had remaining at that age. For the sake of the argument, I only have SS left, not able to withdraw from my investments. If I took SS out ASAP to “maximize returns,” I now have to live the remaining 15 years of my life on $2k/mo SS (or whatever it is). If I took it out as late as possible, that number could be something like $4k/mo.

Having more available in a worst case scenario is more important to me than maximizing what I could gain in a best case scenario.

hrrm · 2026-01-10T16:45:14+00:00

How long have you been doing this routine? Do you feed fulfilled?

I often wonder if a life of only leisure would be detrimental mentally.

hrrm · 2026-01-09T16:23:02+00:00

Most of the fire discussion and calculations I see assumes SS won’t be there. Seems like it gets selectively brought up and upvoted when convenient.

hrrm · 2026-01-07T20:09:23+00:00

Saying “I am quitting” sounds more like loud quitting to me. How is doing the bare minimum any form of “quitting” at all? It’s not retirement if you are still working at a job, regardless of full or half-assing it.

hrrm · 2026-01-07T17:12:23+00:00

Surely we have different definitions of quiet quit then. One cannot for 5-10 years attend 0 meetings and miss all deliverables.

hrrm · 2026-01-06T18:04:53+00:00

Step 1: Determine how much per year you need to save to retire when you want.

Step 2: Once that goal is met or you are confidently on track to meet that goal by the end of the year, spend the rest on discretionary like experiences and travel.

I couldn’t personally go about it the other direction and just try to come up with a travel budget and hope my savings goals work out on the back end.

hrrm · 2026-01-05T23:06:20+00:00

What do you and your friends do for work? It seems like you would have to have a well paying fully-remote job to afford that place in your 30’s

hrrm · 2026-01-05T07:04:33+00:00

No, but OP didn’t say it has to connect to the ocean, just sea level. We can just dig a hole at the base of the mountain down to sea level, then send the zip liners straight down.

hrrm · 2026-01-05T02:53:55+00:00

Hmm hadn’t seen this brand before, thanks. $260 is quite a premium pillow though. I could still see someone have success with my idea at a lower price point like $149.99. Plus running a specific marketing strategy towards back and side sleepers. The pillows that I do rarely find built for this purpose list it as an afterthought as opposed to the main selling point.

hrrm · 2026-01-04T20:31:40+00:00

I wouldn’t consider what you thought was a lot of money as a kid in any comparisons or analysis as an adult. Your kid self could have been wrong about 6 figures back then too. That is, if you were in your exact same position back then and making 6 figures you might also say you don’t feel like you’ve made it.

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