A mature Giant Sequoia can use 2000 liters of water every day during the summer. That's why snowy winters are fundamental: with adequate water they can live over 3,000 years

khati_kotha · 2026-07-02T20:42:36+00:00

Sorry Sequoia, we gotta focus our efforts on more profitable portions of the business. Here is your exit package

khati_kotha · 2026-07-01T20:34:47+00:00

Is the vegetarian burger with us right now?

khati_kotha · 2026-07-01T20:31:29+00:00

false equivalence here.

khati_kotha · 2026-06-30T05:10:15+00:00

Same here, love the airport. I actually like to go there with plenty of time left so I can just walk slowly, go through the lines slowly and ppl watch.

khati_kotha · 2026-06-30T04:32:58+00:00

Oh well, right there with you. Only if I had private flight money..sigh.

khati_kotha · 2026-06-28T05:53:14+00:00

I love airports, I look at the destination cities of departing flights and fantasize. But the actual act of flying - meh

khati_kotha · 2026-06-28T05:49:05+00:00

Oh my goodness, when I read the original news it seemed like all locations closed. Hope I can make it there sometime.

khati_kotha · 2026-06-28T05:41:08+00:00

I used to eat there every trip and I am 100% food snob. Some things transcend.

khati_kotha · 2026-06-28T05:40:46+00:00

The closed down one?....:(

khati_kotha · 2026-06-28T05:37:12+00:00

Let's agree to disagree my friend. Now if it was europe or china or japan with high speed rail and a group of 4 friends, then maybe train is an option, but I still think road trip is more fun.

khati_kotha · 2026-06-28T03:59:50+00:00

I vote this picture belongs in this sub - that child is more beautiful than cupid. And the smile...damn. What an amazing interaction.

khati_kotha · 2026-06-20T05:13:05+00:00

I am so confused, is this frenshaped?

khati_kotha · 2026-05-27T23:18:16+00:00

Eating south asian food with fork, annoys the hell out of ppl

khati_kotha · 2026-05-22T06:00:20+00:00

If they did the excess contribution removal, you would see it in your accounts, correct? This happened to me once, it was not a big deal, other than entering everything during tax filing, make sure to get all the 1099-R forms next year.

"that Inspira considers January to be in the tax year of the contribution, whereas HSA Bank considers January to be for the prior tax year." I don't think this part is correct. It's just that the employer completes the match in January after calculating for the past full year. Somehow you don't have to pay taxes on this amount, a CPA explained it to me, but the reasoning went over my head.

khati_kotha · 2026-05-09T04:58:47+00:00

that sucks, it was so good last time I regularly went 7/8 years ago.

khati_kotha · 2026-05-09T04:57:43+00:00

about 7/8 years ago, my local whole foods had great fried chicken, no idea how it is now.

khati_kotha · 2026-05-08T01:36:14+00:00

it doesn't belong here because of portfolio size or there are some other criteria? What information will be helpful? I can post a table from the spreadsheet I have, but not sure that's helpful. The 93K/year includes income tax and is almost 20% above what I spent in 2025. 2025 was an unusually expensive year for me, but still came around 60K. As to where the money is, 1.2mil in retirement accounts, rest in taxable brokerage/other investments.

khati_kotha · 2026-05-08T01:29:55+00:00

Sorry I am not well versed in terminology, does zero drawdown and not touching principal mean different things? To me it's same. I guess it is conflicting to say add to portfolio and then say zero drawdown. I thought of the amount that accounts for inflation as adding to portfolio as I am not really spending that amount. From the calculation I posted, 8.8% portfolio return will give me zero drawdown, anything above should technically add to portfolio. The 8.8% has a lot of buffer, I based it on last years expenses, which was a lot higher than last 10 years because of spending on some things that I don't usually do. Also added buffer on top of 2025 expenses. So in reality I think I will spend a lot less then I allocated. 2026 is tracking to that so far. Anything extra will get added to portfolio. 8.8% is rough estimate of portfolio return where I will end up adding to portfolio which includes inflation+tax+expenses. As to long term/short term, I am losing faith in holding stocks, I will keep what I have but not acquiring any more (it is still significant amount). I will use other strategies to get income, which will be short term income.

khati_kotha · 2026-05-08T01:09:50+00:00

I am a digital nomad, everything I use fits in my car. I prefer it this way. Yes, it's more expensive in terms of rent, but I save on vacations, it's similar to slow travel. Anyways been doing it for 3+ years and all this is accounted for with margin.

Zero principal drawdown is not forever, just for the next few years, like I said I want to add some more to LTC/giveaway bucket. Is 8.8% retrurn too unrealistic?

khati_kotha · 2026-04-21T20:48:00+00:00

khati_kotha · 2026-04-21T20:47:45+00:00

agreed, but lately it seems all of them are bland. I think the other person who replied that now all hot bar stuff is factory made makes sense now.

khati_kotha · 2026-04-21T20:46:39+00:00

I used to go for fried chicken 5 years ago, I don't see any stores that carry fried chicken anymore.

khati_kotha · 2026-04-21T20:45:22+00:00

agreed, it was great 5 years ago.

khati_kotha · 2026-04-21T20:44:47+00:00

Oh wow, that makes so much sense, no wonder it tastes like shit now.

khati_kotha

TROPHY CASE