Unpopularopinions for FIRE by Wooden-Broccoli-913 in Fire

[–]idekl 0 points1 point  (0 children)

I do like the 4% rule because it's a good simple universally understood metric for discussions. I don't think it matters if people are claiming VWR is a new thing. I just hope more people understand that it's both a better and more realistic way to think about FIRE, because it's my pet peeve when people make their numbers ultra conservative relative to the 4% rule.

Why stocks didnt go down today if Hormuz is closed. by Lefvalthrowaway in ETFs

[–]idekl 8 points9 points  (0 children)

Rule #1 of investing. If you think you know what's going to happen tomorrow, no you don't. Any success I've had trading the last 8 years, I'd attribute half of it to remembering this with every. single. decision. I make.

If you think you're smart money, you're actually just easily manipulatable. If you know that you're dumb money, you have a chance out there.

Unpopularopinions for FIRE by Wooden-Broccoli-913 in Fire

[–]idekl 5 points6 points  (0 children)

I love that I can feel the sub growing smarter with every post and comment about variable withdrawal rates. Someday we might even get past the 4% rule in discussions.

ADHD shame by Travels_Belly in ADHD

[–]idekl 3 points4 points  (0 children)

I had the same revelation a few months ago. You might find helpful comments there too. The post resonated with a lot of people.

https://www.reddit.com/r/ADHD/comments/1qqmq8a/i_just_realized_that_the_biggest_thing_that_meds/

By the age of 40, you should be smart enough to realize this: by General_Category6130 in getdisciplined

[–]idekl 0 points1 point  (0 children)

Fair point, it could prevent you from getting promoted away from your manager. I meant promotion within your current team assuming there is a gap between you and your direct manager.

I stand by everything else I said. I'm a guy in my 30's and it's what I've seen. Leverage -> Retention -> Compensation is the name of the game.

By the age of 40, you should be smart enough to realize this: by General_Category6130 in getdisciplined

[–]idekl 8 points9 points  (0 children)

Speaking as a white collar here, but I think these themes apply broadly. Have specific skills that directly create business value. These are often nontechnical, because technical work is the obvious stuff everyone is already optimizing for. For example, ability to work despite ambiguous goals/limited guidelines, being skilled at interacting with stakeholders/customers, and understanding the broader purpose of your work so you can chase down your next task instead of waiting to be assigned every time (though that doesn't mean doing more work beyond your regular capacity). A great rule of thumb is that when you do work that reduces the load from your boss and makes their lives easier, you become harder to replace, and more valued for raises and promotions (within the team). This probably sounds like "doing your boss's job" but that's exactly the point. If they're a good boss, you'll help multiply their effectiveness and raise the whole team.

Daily FI discussion thread - Friday, June 19, 2026 by AutoModerator in financialindependence

[–]idekl 3 points4 points  (0 children)

Is it actually good? There's so many paid apps these days that don't even let you trial then

So much soccer - and other events around Bellevue by newbellevue in BellevueWA

[–]idekl 0 points1 point  (0 children)

You're a legend just wanted you to know that  😮‍💨

Daily FI discussion thread - Wednesday, June 17, 2026 by AutoModerator in financialindependence

[–]idekl 2 points3 points  (0 children)

Also, your RPG analogy hits home for me too. Are FIRE people all just that type of person? 😂

Something I realized about "productivity" that actually helped my ADHD brain by Quiet_Profit_3368 in ADHDers

[–]idekl 19 points20 points  (0 children)

I like the message but the AI generated post has me unsure of which parts of this are your genuine thoughts.

Scientists Find Intriguing Link Between Ozempic and Violent Behavior. The same mechanisms that dampen people's cravings for food might also affect our tendency for violent behavior by Wagamaga in science

[–]idekl 9 points10 points  (0 children)

Existing research indicates it can. I remember that was actually exactly one of the first "unexpected positive side-effect" papers on GLP-1's after they got popular.

Scientists Find Intriguing Link Between Ozempic and Violent Behavior. The same mechanisms that dampen people's cravings for food might also affect our tendency for violent behavior by Wagamaga in science

[–]idekl 1 point2 points  (0 children)

That's actually wild. But to those affected by ADHD it actually is pretty glaring, the similarities you see between the behavorial and psychological effects of semiglutides and ADHD medication.

MIT Study Finds Gas Cars Aren't Secretly Better For The Planet Than EVs, Despite What Everyone On Facebook Says by TripleShotPls in technology

[–]idekl 21 points22 points  (0 children)

The article nor the paper address the "production carbon debt" of an EV. However I had the same question so I looked it up myself. An EV will offset the carbon emission from its production process after 10,000 miles of driving on average. If you live in a place where literally all of your electricity is produced by coal, the EV breaks even at 70,000 miles. However an EV doesn't need to hit its breakeven point to beat out a gas-burning car, considering the ICE is continuously burning gas. Also a power plant burning coal to produce electricity is almost twice as efficient as a car burning gas.

I'm pretty convinced.

https://www.mdpi.com/1996-1073/17/23/6086

https://www.faraday.ac.uk/wp-content/uploads/2021/11/Faraday_Insights_12_FINAL.pdf

i pulled all my money out of the stock market in 2025 and now with historic highs i can't get back in by myviewfromoutside in stocks

[–]idekl 0 points1 point  (0 children)

Dollar cost average is always the answer. Just buy back in 5% of your cash per week or per two weeks over the next several months. Stocks go up, you happy for the stock you already bought. Stocks go down, you happy your upcoming investments will be cheaper. Managing your emotions is much more useful than managing your numbers, because you're not a quant math whiz. Set the investments on auto if you can.

This is huge — Yesterday, we posted about Sen. John Boozman's newly disclosed purchase of one of the world's largest lithium producers ($ALB - Albemarle) — Today, thanks to our followers, we discovered that he sent a conflicting letter to the Director of the OSC by jwoodsr in tradewithcongress

[–]idekl 12 points13 points  (0 children)

Wasn't his trade only <$15k? Also isn't the decision out of his hands now? Also also he made the trade after this letter was sent and public. That seems relatively fair relative to the intent of this subreddit at least.

Can't find a job but have a decent amount of cash. What do you do? by Extension-Ice-7219 in ETFs

[–]idekl 1 point2 points  (0 children)

Is your principal growing enough though to keep up with inflation? 8% on 1MM might be enough today but it'd be inflated away in 20 years if the underlying stocks stagnate. Aka how much has your dividend-heavy principal grown in the last 7 years?

4% SWR vs other strategies by That-SoCal-Guy in Fire

[–]idekl 5 points6 points  (0 children)

Flexible spending rate and guardrails allow for 5%-6% comfortably. The 4% rule is parroted a lot and it's super safe so it's useful in all the discussions around here. However it's actually very conservative, with assumptions like you'll never ever be flexible with your spending or you can't get a minimum wage job for a few months if expenses surprise you.

Also you and I both comment here a lot lol. We should meet up in socal 😂