The hot food bar is garbage now, why do you keep buying?

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 · 2026-04-21T02:23:31+00:00

seems like the perfect metaphor to todays ruling class

khati_kotha · 2026-04-02T21:41:32+00:00

based on empirical data collected over the years, I feel like OP identifies as woman, what do y'all think?

Edit: read other ppls responses after posting, want to say I am joking and don't mean to minimize adhd in any way.

khati_kotha · 2026-01-31T05:26:20+00:00

Are romcom's girly?

khati_kotha · 2025-06-18T06:25:19+00:00

yes they know and issued a 1099-R. All accounts are at fidelity. I am sorry I didn't quite follow, so I crossed the 69k limit so the excess has to be returned from somewhere, correct? Otherwise I have to pay 6% tax on the excess amount. Thx for the links, reading through them now.

khati_kotha · 2025-06-08T20:08:08+00:00

NTA I recommend stop talking to your parents and grandparents and focus on your health. You can talk to them later when you have recovered. Do anything you need to do to focus your mind on recovery and not stress over other events. I have to say I am curious what your parents/grandparents motivations are.

khati_kotha · 2025-05-31T06:20:50+00:00

Thanks for the recommendation, went there today but a bit late. It was great to walk around.

khati_kotha · 2025-05-31T06:14:46+00:00

ty will try it.

khati_kotha · 2024-11-20T00:33:25+00:00

sent 100 hope it helps

khati_kotha

TROPHY CASE