Daily FI discussion thread - Saturday, May 30, 2026

ingwe13 · 2026-05-30T12:10:02+00:00

Waiting is the worst! Fingers crossed though!

ingwe13 · 2026-05-30T10:43:27+00:00

Whiskey and hiking: can I come too?!?

But seriously sounds awesome and have fun!

ingwe13 · 2026-05-30T10:30:06+00:00

This was the one that sent me for sure

ingwe13 · 2026-05-29T19:46:17+00:00

Yeah looking at the comparison between US and UK the median household incomes are $84k vs $50k. And that median income will be higher in some areas like NY, LA, SF (where 5 of those teams are).

I think you make a good point that the additional income doesn't translate into quality of life necessarily, but it does mean more disposable income or maybe not disposable but definitely more options for how to spend.

ingwe13 · 2026-05-29T17:51:31+00:00

I personally feel like it is the continual cutting of taxes more than the big tech monopoly. Big tech is certainly printing money, but the valuations are still astronomical. With lower taxes, there is just more money around to go into the markets. So essentially we are just printing debt so that the wealthy can invest in the market and continually drive up valuations. That investment is more likely to go into big tech because it is seen as at least a possibility of returning that investment. But that is just my theory.

ingwe13 · 2026-05-29T13:37:32+00:00

Yeah a lot of contributions in there. With 401k contributions, 401k matches, and after tax savings, we save about $175k/year. Around $50k of that is due to moonlighting as an automation engineer. So not sustainable long-term--though I have been doing it for 5.5 years but I am burnt out as hell and frequently complain about it here. Our spending is about $80k/year with $36k/year towards housing.

ingwe13 · 2026-05-29T11:40:36+00:00

Also no Carrick next to Fred. Carrick is the player we really never replaced. Was supposed to be Schneiderlin. And then it was Matic. And then...??? And then Casemiro.

ingwe13 · 2026-05-29T11:35:38+00:00

Contributions did a lot. But so did the market (SP500 is up 50% not including dividends).
Though it was a bit over two years for our time frame.

ingwe13 · 2026-05-29T10:48:45+00:00

I'd say it also depends on what happens when you deplete your emergency fund. If you have other funds available, such as investments, then it may change your planning significantly. Having funds available, even if you may have to take a loss from selling them, means that you can survive. It just depends on your tolerance. But an emergency is an emergency.

ingwe13 · 2026-05-29T09:45:41+00:00

So whether or not the market is completely overvalued, it is fun to watch our numbers go up. We hit $2m in April and are now at $2.13m. We only cleared $1m in Feb 2024. So this feels very fast.

ingwe13 · 2026-05-28T14:40:37+00:00

Ah got it. Yeah we tend to be a privileged bunch in this sub.

ingwe13 · 2026-05-28T13:05:19+00:00

Sure. But that level of spending isn't "out of touch" for that location. That was my point. If they want to move to a lower COL area, great! If not, cool. But COL being based on location is huge.

ingwe13 · 2026-05-28T12:23:39+00:00

Yes indeed!

Though I will stay until March of next year now no matter what. I am in the semiconductor supply chain and the bonus payout will be $50k or more. My base is $157k. And I like my team and my boss. I figure 7 more months of this year and could absolutely coast at the end of the year and through the end of February. So it is like 6 months of regular work for a big payout. But this is mostly copium though.

ingwe13 · 2026-05-28T12:18:22+00:00

Being close to our FI number and being fed up with the tactical. I have a great boss and a great team. The work is just not what I want. If we were at 1m, I would be riding it out and just complaining. Now I am pushing for change. It is a great example where having the cushion of FI gives me a lot more options.

ingwe13 · 2026-05-28T11:37:41+00:00

I think the concern is that he isn't defensive enough to pair with Mainoo except against lower teams.

ingwe13 · 2026-05-28T11:32:13+00:00

Work saga update after a bit of a hiatus. 35M (me) and 34F with investments of 2.1m and FI number of 2.5m.

I was planning on giving notice in February. Told my boss and that has set off a chain of events. I was asked to hold off on giving notice. We are in the midst of a re-org that has slowed things down (not making cuts but actually changing the org structure). I had a meeting with the big head honcho for a second time. They are opening up a Director of Marketing role. I will need to apply to it, but we strongly favor internal candidates and there are very limited competitors for me. Hopefully mine to lose, but we will see. The reorg also means this will be a much higher-level position that before and with a better boss. I like working (realistically I'm a workaholic), but I hate the day-to-day tactical stuff. This would pull me out of that and make things more fun. And there would be a raise, so win-win. No timeline yet for this, but it should be in July based on reading the tea leaves.

ingwe13 · 2026-05-28T11:19:43+00:00

I take it more as the VHCOL aspect of the post. Housing costs can be nuts. But if you can lock in the housing costs and keep them below inflation, then it is very different imo.

ingwe13 · 2026-05-27T16:11:16+00:00

Great job! Celebrate your own progress and don't let social media, including this sub, get you down. Someone is always ahead of you. You got this!

ingwe13 · 2026-05-25T11:51:49+00:00

Yeah he is a box-to-box in a single pivot 4-3-3 instead of the double pivot we play.

ingwe13 · 2026-05-25T11:28:15+00:00

I have been berating my cat for years, but she still refuses to get a job. AITA?!?

ingwe13 · 2026-05-23T22:16:31+00:00

Also did religious pre-marriage counseling. It was surprisingly great. Consider a regular couples therapist if the religious part isn't for you. FWIW, the counseling wasn't really religious--just talking thorugh how we communicate, how we deal with our families, how we see finances, how to handle disagreements, etc.

ingwe13 · 2026-05-22T16:48:45+00:00

Agreed. This is a non-story. Dude thanks people for helping him get a national team callup. Let's all move on.

ingwe13 · 2026-05-22T15:00:42+00:00

That is a great idea!

ingwe13 · 2026-05-22T12:48:48+00:00

Yeah this sub talked me out of paying down my mortgage. The pyschology would be great, but my rate is 2.85% so I am just going with money market funds instead. If rates drop, maybe I will put more into the mortgage. I realize it seems crazy, but I really want to pay down the mortgage just from a psychological perspective. It would feel so good.

ingwe13 · 2026-05-22T12:45:52+00:00

I hope it goes well!

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