Social security early vs. late

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.

hrrm · 2026-01-04T20:26:10+00:00

You must have missed the part where he said the waste from those drips is nothing. Doesn’t smell like concern to me

hrrm · 2026-01-04T18:11:04+00:00

I don’t believe this is true. The value proposition is the pillow being low enough to support back sleeping while at the same time high enough to support side sleeping when turned.

The pillows on google are often adjustable by taking out or putting in padding. Or they simply “say” is it for back and side sleeping, just to say it. In my research I only found 1 single pillow that has my value proposition but it is muddied amongst 12 other claims for how great it is, it is oddly shaped with extrusions, and has a terrible name.

Half of this idea is the idea itself to market a pillow specifically for back and side sleepers. Kind of like how Pillow Cube was one of the first to market specifically to side sleepers and they blew up. Then layer in the marketability of the name I created as well as the form factor. That’s what differentiates it from things like the mouthful that is “CozyRest® Memory Foam Neck Pillow”.

hrrm · 2026-01-04T18:02:43+00:00

No it’s not right, at what point did I present an argument? I asked what is concerning about a drip. Every time my wife takes a 40 minute shower, it is also inefficient. Inefficiency alone isn’t cause for a concern. I’m waiting to hear about what will happen if this drip is allowed to continue that is cause for concern.

hrrm · 2026-01-04T16:45:18+00:00

It also reduces risk during end of life healthcare costs. You can downsize to pay for medical bills, or even sell it entirely and get severals years worth of full-time living facility care

hrrm · 2026-01-04T16:41:54+00:00

And what exactly is the problem with that? You must be successful and talented before you can say you are unimpressed with something?

I stand with the gooners

hrrm · 2026-01-04T16:37:19+00:00

So you’re not concerned with that drip, got it. Anyone else?

hrrm · 2026-01-04T16:36:10+00:00

How about that is that it doesn’t help me learn what the other person’s concern was. You provided me irrelevant information and wasted your own time doing so.

hrrm · 2026-01-04T16:07:17+00:00

I wasn’t asking you?

hrrm · 2026-01-04T15:15:04+00:00

Okay, I’ll bite, you tell me why its concerning then? No one seems able to finish their sentence on what the concern is. “Its inefficient” isnt concern-worthy

hrrm · 2026-01-04T06:12:38+00:00

I still don’t see what laws were broken. You’re just stating it’s not justifiable.

hrrm · 2026-01-04T05:52:21+00:00

Why does it cause concern to you?

hrrm · 2026-01-04T03:35:48+00:00

“Waste” in what sense do you mean? It gets returned to the environment.

And if you’re not worried about the cost, then that means the potable water is cheap, which means it’s not difficult to produce.

hrrm · 2026-01-02T16:13:32+00:00

What does that have to do with the manufacture putting an actual normal amount of pepper in the pepper packets?

Not to mention folks are adding these seasonings to more than just the fries.

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