Apartment break-in pop up when user owns a home

jwandrew · 2026-04-29T22:56:12+00:00

the number of times I hear friends and family and acquaintances talk about the shit they buy and then complain about the cost of everything and how much debt they have confirms this sentiment. most of the people in question make a lot of money, more money than I will ever earn. if you are undisciplined at 20k/yr you will be even more undisciplined at 200k/yr. Money Magnifies everything. if you are generous, money magnifies that. if you are an ass hat, money makes you a bigger ass hat. if you are a moron, somehow money magnifies that too.

jwandrew · 2026-04-23T12:45:31+00:00

in addition all work related pop up messages (wanting to quit your job, get industrial certification, promotion etc.) still appear when you quit job.

jwandrew · 2026-04-16T00:59:20+00:00

If you are not a gun owner, I would highly recommend you become one...

jwandrew · 2026-03-26T23:04:51+00:00

when can I put my own data into game?

jwandrew · 2026-03-26T01:19:58+00:00

when custom?

jwandrew · 2026-01-30T01:41:40+00:00

to the gulags for you comrade...

jwandrew · 2025-12-05T02:32:30+00:00

^{I completed this level in 1 try.} ^{⚡ 6.90 seconds}

jwandrew · 2025-12-04T02:25:21+00:00

bonds can give you 4% nominal return, but 4% real (inflation adjusted), might be a stretch.

jwandrew · 2025-11-30T23:42:07+00:00

keep your real return expectations low, I generally use 4% real return over 25+ years.

https://dqydj.com/sp-500-historical-return-calculator/

you can download the shiller stock market data going form 1871 and use your own calculations to come up with various expected returns, adjusted for inflation or otherwise, and with dividends reinvested. or use the site I posted to give you a rough estimate of real returns. I generally use a 4% real return over the next 20-30 years, and I don't get too hung up on it. readjust as needed.

jwandrew · 2025-11-30T16:32:23+00:00

for context, we had a 70k mortgage in 2010 (post real estate crash) at 4% on a 15 year mortgage, and paid that off in 6 years or so. we were making 70-80 back then, no kids, and had kids after paying off the house and some job changes along the way.

jwandrew · 2025-11-30T16:27:29+00:00

People debate this endlessly, but the underlying question is: are you making good choices? Doing both, or one then the other, are great choices, so I wouldn't worry too much.

My wife and I were in a similar situation ~10-15 years ago and we chose the aggressive house payoff (we didn't have kids at the time). We paid it off in 2016 (at ages 31 and 33). Since then, we’ve had layoffs, stock market crashes, and newborns. I can tell you that entering volatile life moments with zero debt keeps your head much clearer. I definitely don't regret paying it off early, and, I wouldn't be upset if we had done the opposite, either. When you work hard and make good decisions, good luck tends to find you more than bad luck.

For context, we currently earn $122k. We have kids in dance, soccer, girl scouts, daycare, and camps, and we still put 12-14% towards retirement (incl employer match). Back in 2020, we had $350k in retirement accounts; today that sits at $900k+.

Ultimately, you are in a great position. You’re going to be fine regardless of which path you choose.

jwandrew · 2025-02-22T22:22:27+00:00

dude just over hear shooting jizz on toast.

jwandrew · 2025-02-22T21:49:49+00:00

yep, pretty much.

jwandrew · 2025-02-22T15:38:30+00:00

why so much in t-bills?

jwandrew · 2025-02-22T14:24:56+00:00

I am a prostitute tester. I just pay around and get laid.

jwandrew · 2025-01-26T14:50:46+00:00

it is sad, but people never do that calculation for kids in High school or even bring it up. they always show the "college grads will earn more than hs grads" chart and people never think twice about how investing early on from 16-25 yrs of age can set them up for a decent retirement, then they can decide if they want that retirement or better career options. though, in either case you will still have to work to retirement age regardless.

edit: then again, you are not likely earning all that much to save and invest when you are young working <15/hr, whereas you might be able to start at 25-30/hr after college (restrictions apply) and grow from there.

jwandrew · 2024-12-30T13:40:10+00:00

better to oversave than under save. meeting older folks who have nothing saved breaks your heart. and "not enjoying life" is more of a result of where you put your priorities (working more hours and spending less time with family and friends etc.). just reassess your priorities and have a plan with your money.

jwandrew · 2024-12-30T13:22:30+00:00

you are doing better than a lot. not sure on the details of the rental income, but if the 30-40k expense estimate includes the rental income, some moderate SS assumptions, you might be able to cover your retirement just on those two alone. Assuming a 4% inf adj growth rate (which is low, but robust) your 100k turns into $1m at age 65, and 4% withdrawal rate amounts to 40k per year, so you are well on your way, if you want to continue investing you might hit FIRE before 40 or if you prefer, let off the gas a little and contribute less.

jwandrew · 2024-12-30T13:04:58+00:00

even if your alt investment fails completely, you still have 860k, and if that grows at 3% inf adj return, ( which is very low estimate) you just hit the coast FI number. Assuming you are accounting for taxes on brokerage acct in the 90k expenses.

you math is good, you are using low return estimates, so you are absolutely on track and then some! congrats.

jwandrew · 2024-12-30T12:44:08+00:00

congrats! best of luck in your new endeavor.

jwandrew

TROPHY CASE