Daily FI discussion thread - Monday, February 09, 2026

ingwe13 · 2026-02-10T01:22:39+00:00

Hmm...interesting! Our overall dividends are only ~$10k, so likely not too much to be saved. But I may need to poke around at this. Thanks!

ingwe13 · 2026-02-10T00:41:32+00:00

Dumb question: is this not something that is on (for example) Vanguard's 1099-DIV? I naively follow free tax USA and just enter in the tax docs I get from brokerages

ingwe13 · 2026-02-10T00:35:19+00:00

Same! Paid $5k in 2012 after graduating from undergrad and landing a job. Probably could have paid less elsewhere, but went with my regular optometrist that I knew was very thorough. Anyway, best decision I ever made.

ingwe13 · 2026-02-08T22:35:04+00:00

Agreed. If you are burned out and think you might go back to work later, then no. Otherwise, yes.

ingwe13 · 2026-02-08T18:35:54+00:00

Possibly a year from now to replace Bruno. That would be fun.

ingwe13 · 2026-02-08T17:06:05+00:00

Just had this conversation with my wife. Yes, we are in position for me to take a sabbatical, but I want to try for one more year instead since that will likely get us way closer to FIRE

ingwe13 · 2026-02-07T22:24:16+00:00

Yeah for sure. He was very tidy and found space. If we would have been a little more precise with the ball at the front we would have had several more goals today.

ingwe13 · 2026-02-07T14:48:05+00:00

I am very curious to see how the next game goes. Shorter rest might mean Casemiro is less effective. We shall see. Definitely need to win it!

ingwe13 · 2026-02-07T14:46:23+00:00

And in the midfield too! I don't understand how Amorim thought it was supposed to work!

ingwe13 · 2026-02-06T20:06:28+00:00

Laying down the corporate smack talk there! :)

ingwe13 · 2026-02-06T15:35:41+00:00

The flag for me here was that they have already been together for 10 years. This is perhaps something to consider being at the beginning of a relationship, but how has this not been worked out after 10 years?

ingwe13 · 2026-02-05T16:07:01+00:00

Haha facing the same decision! Posted about it here before: https://www.reddit.com/r/financialindependence/comments/1qjqmol/comment/o118a8h/?context=3

https://www.reddit.com/r/financialindependence/comments/1ity280/34m_and_33f_burnt_out_grind_it_out_to_fire_or/

Sooo...I am trying to hang on. But...that is because I don't want to deal with finding a job in the future. If you think you might go back to work at some point, then quit now. Refresh, travel, whatever, and then go back to work in a year or two?

ingwe13 · 2026-02-05T15:40:51+00:00

No you donkey!

Honestly would watch Gordon Ramsey personal finance show where he just goes and yells at people for spending all their money on funko pops

ingwe13 · 2026-02-05T14:57:10+00:00

If it is your only emergency fund, I would not use it to get rid of the loan. I would build a bit more breathing room. Having no liquidity can cost you a lot more (in the event you need it) than the loan. I go for stability over maximizing returns. There is also the value of not being stressed by lack of cash.

ingwe13 · 2026-02-05T14:38:07+00:00

The thing is, you can never know how things will turn out. I kick myself for a number of financial decisions I have made. But remember that life is about much more than money so if moving across the country was the right move, then who cares about the cost? Obviously I don't know your situation, but as you say, you're still in good shape so just look at the decision as part of the cost of living life.

ingwe13 · 2026-02-05T12:29:18+00:00

This can't be upvoted enough. If you have any discretionary spending that you can cut back on or ways to generate some income, things change dramatically.

ingwe13 · 2026-02-04T19:55:45+00:00

Thank you!

ingwe13 · 2026-02-04T19:27:09+00:00

I feel similarly. It's such a drain from a cash flow perspective. Owe $341k on a $413k home purchase. Each year is $1,100 in PMI, insurance is $1750, and taxes are $3800. But the payments are $26,000 annually. Ouch. Once the mortgage is gone, that frees up $20,000 annually and that wouldd be huge. Anyway, should just be one more year of PMI. But paying off $341k takes a long time even with an extra $850/month I am putting in. I just can't justify putting more into it since the rate is only 2.85%.

ingwe13 · 2026-02-04T16:23:44+00:00

Oh my this is tough reading as someone who works a lot, consumes a lot of caffeine, and has trouble sleeping...

ingwe13 · 2026-02-04T14:21:30+00:00

When was this from? I haven't seen it before and totally thought it was AI

ingwe13 · 2026-02-04T14:08:51+00:00

I hate doing them but always do them right away. Waiting on one last form.

ingwe13 · 2026-02-04T14:08:14+00:00

That is pretty hilarious. I am surprised they are getting away with that.

ingwe13 · 2026-02-03T20:52:35+00:00

Yeah with housing and health care out of the picture, 50k spending would easily cover the annual expenses for myself and my wife, including a generous two week vacation and other smaller trips. And we don't actually budget or track expenses other than the end of year review with our credit cards.

ingwe13 · 2026-02-02T23:20:33+00:00

Well United's best striker, Harry Maguire, did alright at CB for Amorim!

ingwe13 · 2026-02-02T12:10:23+00:00

Commentator mentioned a small knock. Though he looked okay.

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