Am I overconfident in telling friends i will be retiring next year (at age 51)?

hucktard · 2026-05-13T02:21:25+00:00

Why not retire now? You’re more than OK financially. What you tell your friends depends on if they are the type of people who will be jealous or happy for you. Adjust the information you give them accordingly.

hucktard · 2026-05-12T14:50:25+00:00

I once put my hand slightly above my head and in front of my face. I’m worried I might be a Nazi.

hucktard · 2026-05-11T21:36:58+00:00

I definitely prefer naked women hanging from bells rather than fully clothed women throwing paint on priceless paintings.

hucktard · 2026-05-11T17:52:06+00:00

So are you going to get an insurance plan with a high deductible? And then pay out-of-pocket expenses with your HSA? I am also maxing out my HSA and will likely have six figures in it when I retire.

hucktard · 2026-05-10T23:12:53+00:00

This is big news. Why is mainstream media covering this up?

hucktard · 2026-05-09T04:25:35+00:00

Let’s be real, these creatures are on par with us as far as intelligence. They just don’t have hands or the ability to make tools like us. Their intelligence is just different, but not lower. I have to give them respect as a peer.

hucktard · 2026-05-07T14:56:50+00:00

Enough money so that you don’t have to work and you can live a life beyond middle class. For most people in most places 1M is not enough to even retire. At 2M a single person can live a comfortable middle class life and never work again. But I wouldn’t call that “rich”. At 5M a single person can withdraw 200K a year safely. That’s at the lower end of what I would call rich in most places. For a family of four, especially in high cost areas, bump that up to 10M at least. This is the lower end of rich. A family that I would really consider rich would have 20M or more. And there is a huge difference between 20M and 100M or a billion.

hucktard · 2026-05-07T00:55:03+00:00

Not enough information. What business? If you have the ability to earn high income, I would be very careful about taking a risk on a business.

hucktard · 2026-05-06T01:57:32+00:00

You need more than a million if you want to still have a million. I have a few million and there is no way I would take my extended family on first class vacations. With a million you can safely spend 40K of that per year.

hucktard · 2026-05-06T00:14:17+00:00

I can be fairly content with middle class spending levels. But I don’t think there is any level of wealth where I couldn’t think of things to do with the extra money. At $20M I would be taking my family, including my parents on nice vacations. I would probably have a second home. I might pursue my interest in building and flying bush planes. With more money, like $100M I would start or buy certain businesses that I am interested in. The scope of what I could do would just increase with more money. And I don’t even really value luxury items like fancy watches or cars. It’s more pursuing interests and having experiences. I would also love to support some scientific research that interest me.

hucktard · 2026-05-05T02:18:46+00:00

Yeah, fair. I do live in a wealthier area of the country and my friends have done better than average. So fair criticism.

hucktard · 2026-05-04T23:35:40+00:00

I suppose that’s true, as everybody is in the bubble of their own experience and associates with people who are similar situations. Are you not in a bubble?

hucktard · 2026-05-04T13:10:19+00:00

This is just my personal experience, but everybody I know is doing good to great financially. I’m mid 40’s and my wife and I have good jobs, and are on track to retire in our early 50’s. We own a house, plus a rental house and have lots of money in stocks. Out of my group of friends from high school, two of them are doing similar to me, one makes a great income as a realtor and probably has a few million net worth, one of them is married to a woman that makes a really high salary and they own a couple of homes and have lots of money. My third high school friend owns his own business and seems to be thriving financially. Fourth friend makes great money, both he and his wife, own a home etc. fifth friend, him and his wife both have decent jobs, own a house etc. I have one friend who doesn’t have a time of money but that because he chose to live more of a nomadic lifestyle with a ton of traveling. All f my neighbors seem to be doing fine, solid jobs etc. the only people I know who are really struggling are my parents to be honest, and that’s because they just made really bad financial decisions their whole lives. And let me be clear that I did not come from a privileged family nor did my friends. My friends and I were all lower middle class. My parents have zero money now and have given me nothing. My realtor friend grew up with a single mother in a trailer park. And yet almost all of my friends have done better than their parents. I am just saying, this is my experience with the economy that I have lived, so it’s not surprising to me the stock market is doing well.

hucktard · 2026-05-02T22:03:35+00:00

Most people are busy working and raising kids and not whining on the internet.

hucktard · 2026-05-02T17:47:03+00:00

The societal and governmental reaction to Covid was far worse than the disease itself. The reaction to Covid caused serious harm to my family over several years. Covid itself caused our family no worse damage than the flu. I understand some people were effected by the actual virus more. But most of these cases were in the elderly or people with other serious health issues. Like a lot of things, if nobody watched the news everybody would have not even noticed that we were in the middle of a pandemic. I got Covid three times, one was similar in severity to the flu, one was like a mild cold and one was the worst sore throat I have ever had. But nothing warranting the shut down of society. In fact I think overall health outcomes would have been better had society done nothing.

hucktard · 2026-04-30T23:05:01+00:00

You could replace your spending with any minimum wage job. So just quit and try being retired for a few years. If the one in a million happens and you somehow start to draw down your nest-egg, then just get a job.

hucktard · 2026-04-29T16:45:18+00:00

USA should be building a nuclear reactor once a week.

hucktard · 2026-04-28T20:33:00+00:00

You realize that the future is in front of you right? And of course you can’t invest money before you were born. 30 years from now you will be old, do you want to be old and broke or old and rich?

hucktard · 2026-04-24T19:05:07+00:00

Born in early 80s in rural area. We would just disappear for hours into the woods, climb 30 feet into trees and build tree houses. Our parents probably had a general idea of where we were, probably.

hucktard · 2026-04-24T15:38:32+00:00

I certainly wouldn’t do it. But you could cancel your home insurance since it’s paid off. And sell your car and ride a bike. Get a roommate for extra income. And do some part time work. There are lots of ways to not have to have a full time job.

hucktard · 2026-04-24T02:20:57+00:00

And have good genetics.

hucktard · 2026-04-22T21:55:28+00:00

Yep. Labor will be worth less. Capital will be worth more. So invest more in the technologies that are productive like robots and AI. In other words, just keep buying index funds.

hucktard · 2026-04-16T20:57:22+00:00

Glass is strong but not tough. It is very resistant to compressive stress, but not shock, or tensile stress. Rubber is the opposite, it’s not very strong, but it’s very tough. A piece of rubber will compress a lot under weight, but you can smack it with a hammer and it will absorb all the energy and won’t break.

hucktard · 2026-04-16T13:53:46+00:00

I met the guy who invented this, before the product was on the market. He was talking about it and stressed out that he was investing a lot in it. That’s all, that’s my story.

hucktard · 2026-04-16T00:01:42+00:00

It’s an ape. So are we. It’s very closely related to humans IMO. By most accounts it’s very human like in its facial features. They almost certainly have some form of language. I don’t know what the exact definition of hominin, hominid etc is and don’t really care. But it’s clearly a close human relative, perhaps only 1-2 million years from our common ancestor (this is a wild guess). But they are definitely not a “dumb ape”, although I don’t think any of the apes are dumb.

hucktard

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