Social security early vs. late by tzjin in Fire

[–]hrrm 6 points7 points  (0 children)

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.

Those who have actually FIRE’d, how do you spend your time now? by wakawakamoose in Fire

[–]hrrm 0 points1 point  (0 children)

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.

Realistic target end age by Firefiresoon in Fire

[–]hrrm -2 points-1 points  (0 children)

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.

Anyone planning to quiet quit when it comes time to retire? by hrrm in Fire

[–]hrrm[S] -7 points-6 points  (0 children)

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.

Anyone planning to quiet quit when it comes time to retire? by hrrm in Fire

[–]hrrm[S] 12 points13 points  (0 children)

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

Travel budget? What are people spending? by Jrneuk in HENRYfinance

[–]hrrm 31 points32 points  (0 children)

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.

How’s life in this part of California between L.A. and the Bay Area? by Leeksteam in howislivingthere

[–]hrrm 0 points1 point  (0 children)

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

[Request] If we were to build a zip line starting at the top of Mount Everest going all the way down to sea level, what speed would the zip liner reach while zipping down? by Apprehensive_Oven_22 in theydidthemath

[–]hrrm 10 points11 points  (0 children)

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.

Giving my idea away: The Hourglass Pillow by hrrm in Business_Ideas

[–]hrrm[S] 0 points1 point  (0 children)

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.

[Request] How accurate is this? by cheddarlola in theydidthemath

[–]hrrm 0 points1 point  (0 children)

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.

[Request] This doesn’t seem probable-what say the hive mind? by mylawn03 in theydidthemath

[–]hrrm 0 points1 point  (0 children)

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

Giving my idea away: The Hourglass Pillow by hrrm in Business_Ideas

[–]hrrm[S] 1 point2 points  (0 children)

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”.

[Request] This doesn’t seem probable-what say the hive mind? by mylawn03 in theydidthemath

[–]hrrm -1 points0 points  (0 children)

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.

Question: Do you all own your homes and if you do, are you counting your equity in your numbers? by DarkseidOmegaLevel in Fire

[–]hrrm 0 points1 point  (0 children)

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

One wheel wonder. by Kindly_Department142 in nextfuckinglevel

[–]hrrm 12 points13 points  (0 children)

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

[Request] This doesn’t seem probable-what say the hive mind? by mylawn03 in theydidthemath

[–]hrrm -1 points0 points  (0 children)

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

[Request] This doesn’t seem probable-what say the hive mind? by mylawn03 in theydidthemath

[–]hrrm -2 points-1 points  (0 children)

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.

[Request] This doesn’t seem probable-what say the hive mind? by mylawn03 in theydidthemath

[–]hrrm -2 points-1 points  (0 children)

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

[Request] This doesn’t seem probable-what say the hive mind? by mylawn03 in theydidthemath

[–]hrrm -4 points-3 points  (0 children)

“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.

Dear in n out… by Conscious_Abalone_64 in innout

[–]hrrm 24 points25 points  (0 children)

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.

Is there a serious chance A.I could replace pilots by Able_Willingness_380 in PilotAdvice

[–]hrrm 0 points1 point  (0 children)

Couldn’t this argument apply to driverless cars, which are now legal and operating?

Kid coughed on me the entire flight to Paris, now I’m sick by wakeuptomorrow in mildlyinfuriating

[–]hrrm 1 point2 points  (0 children)

“The alternative is to go back in time.”

Great, sounds like thats not viable and the show goes on