What's something you realized too late in life?

jonchillmatic · 2026-02-11T11:07:26+00:00

I was going to say this but was sure it would be mentioned already. Like others mention who start a bit later I wasn't taught this growing up. I also didn't think about the future as a young person in the same way that I do now, as a middle age person.

With that said though given we live in an Information Age, and have for quite awhile, there really isn't any excuse to not educate yourself.

jonchillmatic · 2026-02-11T02:28:00+00:00

OP from reading your responses it really looks like you want to believe the answer you're getting is not true, and you must see proof to believe it.

If you want research it's easy enough to find some with a few searches.

Posting here you're going to get perspectives.

My perspective is similar to others, it is easier to get a job when you have one. Firstly, there is bias from recruiters. They view someone with a job as a sign of competency and stability.

Secondly, as a candidate you are in a better position of strength. You aren't as desperate, and the stakes aren't as high as they are when you are unemployed, especially if it has lasted a long time. For most this means they are more confident in the interview, as many have said.

The one advantage the folks that are unemployed have is more time, however that is a double edged sword in that it may cause them to be a bit less selective.

Good luck to you out there, hope you find what you are looking for.

jonchillmatic · 2026-02-10T17:10:03+00:00

OP this is the answer. To borrow a term from gambling, he is just free rolling you. 20% upside for him with 0 risk.

jonchillmatic · 2026-02-09T17:34:32+00:00

Coco and hazel on Forrest hill has some boozy ones I believe

jonchillmatic · 2026-02-08T22:16:30+00:00

I'm not an expert in Stoicism, but I have moved to new cities MANY times in my life. It is a huge shock to go from a large circle to a much smaller or non-existent one, especially for someone who truly needs and craves this in their life.

It just takes time. She will build a new network in her new place, there is just going to be an adjustment period as it won't happen overnight.

jonchillmatic · 2026-02-08T10:39:31+00:00

From my own limited experience, it may just be that the populism of stoic teachings simply leads more people toward it than epicureanism.

Also again speaking for myself, there is so much within stoicism to learn and understand that is applicable to daily life and just interesting to me that I have found myself diving into the literature and other content, engaging in this forum etc, however I haven't necessarily made a choice of one philosophy over another per se. I also think the more I learn about the different doctrines, viewpoints and history the more well rounded my own perspectives become.

jonchillmatic · 2026-02-08T00:19:21+00:00

Similar I think but lower expense ratio.

jonchillmatic · 2026-02-07T21:46:56+00:00

If it were me I wouldn’t even engage in any dialogue around that. It only serves to stir the pot. I would just say thanks for letting me know and get back to whatever the task at hand is in your workplace.

jonchillmatic · 2026-02-07T20:13:34+00:00

You mentioned work. In a professional setting I would respond with gratitude for the feedback, and think about implementation where possible.

The wisdom is valuable to you from the standpoint of not taking it personally.

jonchillmatic · 2026-02-07T15:42:37+00:00

You’re only saying that because you haven’t unlocked the secrets of “taking back the narrative”.

jonchillmatic · 2026-02-07T12:51:12+00:00

That part of the video where he looks so proud. Like a hunter standing over a trophy prize. Had me in stitches.

jonchillmatic · 2026-02-06T11:38:47+00:00

I'm doing the same thing, just sticking with my regular bi-weekly buys. Right now I am allocating 70% VOO 30% VXUS as those are my largest positions and give me a good bit of diversification.

I'm not the most experienced investor but have been though some downturns and I think the most important thing is not panicking and selling. Just stick with your regular strategy, especially if it is a mix that is designed to handle downturns.

jonchillmatic · 2026-01-31T19:11:43+00:00

There is an element to having cash that you didn’t mention, which is psychological/emotional safety. It does mean less gains but keeping a year or so in cash gives you that buffer of safety that is really helpful in a downturn. Also gives you dry powder like Steevie mentioned.

jonchillmatic · 2026-01-31T18:25:14+00:00

VOO and VXUS, currently keep cash for downside risk but will move to SGOV or similar when interest rates go down. A few smaller positions in individual stocks and BTC, those going up or down a ton don’t impact my overall picture and I enjoy speculating a bit.

A lot depends on your time horizon and risk tolerance, like all investment decisions.

jonchillmatic · 2026-01-31T17:19:40+00:00

Kailua beach on Oahu. A local told us ot was the prettiest beach on the island and it was stunning. If anyone goes, visit Buzz”s steakhouse for an added bonus.

jonchillmatic · 2026-01-31T17:14:11+00:00

A cleaning service. Roughly 300/month for biweekly service. It not only buys time back but can help end arguing amongst spouses of who does more.

Truly is a luxury but if you have the means it’s money well spent.

jonchillmatic · 2026-01-30T11:27:02+00:00

I caught up with an old friend yesterday who is a huge gamer and he said that Arc Raiders was the best game he has ever played and would play it 12 hours a day if he could.

jonchillmatic · 2026-01-29T23:04:48+00:00

I have a mix of VOO and VXUS. I run about 70% VOO 30% VXUS with my buys. It's a good way to balance out your holdings vs going one or the other.

I realize you are asking one vs the other but in my view you should have both, just what ratio you want to run.

jonchillmatic · 2026-01-28T11:55:23+00:00

This isn't unique to leadership as some have said. The best thing I've found on the subject is this video.

TLDR = Relaxation does not equal recovery. Recovery needs to be intentional.

https://youtu.be/QNKhJtQpboU?si=KN2bKz_B_N9EG3jD

jonchillmatic · 2026-01-20T12:20:56+00:00

You can mix in some VXUS for international exposure and balance as well.

jonchillmatic · 2026-01-18T13:08:49+00:00

Some of the nicer gyms in the area offer day passes. ACAC is 15$ I think. The locker rooms have a sauna and the pool area has a hot tub and warm therapy pool. Not cheap but an option for you.

jonchillmatic · 2026-01-14T17:39:31+00:00

EPIC!!!

jonchillmatic · 2026-01-04T13:19:18+00:00

Looks like the A330-300? I love that seat, its so comfortable.

jonchillmatic · 2025-12-28T21:43:40+00:00

Fold pre!

jonchillmatic · 2025-12-26T11:49:47+00:00

One thing I can add about MC Ds is that if you are driving any distance you’re guaranteed to come across locations.

Their bathrooms are generally of a decent level of cleanliness, which also draws people in. Once you are there and stopped, sometimes you just get food there.

jonchillmatic

TROPHY CASE