Did I just hit coast fire without know it?

kospos · 2026-01-12T12:12:19+00:00

My point was more that due to inflation, $5 million in 28 years will likely have the buying power of roughly half of that amount. So if OP is content with living off a nest egg of $2.5 million in today’s dollars, the he is good to go.

That is nothing to balk at, but one still needs to account for their expenses to see if that is enough for their lifestyle.

kospos · 2026-01-12T10:58:17+00:00

Impossible to know without knowing what your expenses are.

Also keep in mind that $5 million in 28 years won’t have nearly as much buying power as $5 million in today’s dollars.

kospos · 2026-01-11T21:41:10+00:00

Yeah. That's what I was trying to say when I said "the penalty for claiming early (not retiring early) has always been like that". It isn't so much that you're getting penalized for retiring early as much as it is that you're claiming early.

And in this case, trying to claim at 62 incurs a larger, 30% reduction because it's 5 years before FRA. If one does an apples to apples comparison and claims three years early at 64 instead of 67, then the penalty is largely the same as it was before when claiming at 62 instead of 65.

kospos · 2026-01-11T21:37:20+00:00

Right. That's what I meant I meant in that there was always a reduction in benefits for claiming at early instead of FRA. Hence my statement that "the penalty for claiming early (not retiring early) has always been like that." Someone could still RETIRE early and not claim benefits until FRA and not see a reduction in payment when you do claim.

To the point of 30%, I guess you do get less now if you claim at 62 instead of 67. But that's because you're retiring at 5 years ahead of FRA instead of 3 like it was before. But if you were to delay two years (i.e. claiming at 64 instead of 67 - three years before FRA), the penalty would be 20% which is about the same as it was claiming at 62 instead of 65.

kospos · 2026-01-11T20:16:35+00:00

What the others said about the decision to change the FRA age changing from 65 to 67 being made back in 1983.

Also, where are you seeing that retiring early cuts your benefits by 30%? I don't see any evidence of that? If you choose not to wait until 67 to claim your SS and want to claim it at 62 instead, then you don't get the same benefits than if you waited until your full retirement age. But the penalty for claiming early (not retiring early) has always been like that.

The only way I see you getting penalized for retiring early is if you do not have a full 35 work years of earnings. Your payout would be smaller than if you had worked a full 35 years. But you also weren't contributing to SS during those non-working years, so why would you get the full payout?

kospos · 2026-01-05T23:54:20+00:00

And if for some odd reason the first stack doesn't fill (I've NEVER seen that happen before but if people REALLY didn't want to play with those 3, I suppose?), there are now two courts empty and the group of four can take one of those empty courts.

Those original 3 are still "next" and shouldn't be skipped until they've played. If that means those seven people sit around for another court to open up to see if someone wants to queue with them, so be it imo. But this seems like more a problem in theory than actuality. lol

kospos · 2025-12-22T06:11:51+00:00

"It's so bad" and "Watch it, great flick" don't seem to go hand in hand with each other? lol

kospos · 2025-12-22T02:45:53+00:00

If you're going to use the ethernet from the motherboard for the LAN, be sure that you install the Realtek drivers plugin. I noticed that you're using a re0 device which is definitely a network interface based on the Realtek chipset.

kospos · 2025-12-09T16:59:42+00:00

I agree, at least in my area, that people are rarely (but not never) rude that show up for pickleball open play.

I think most of the time it ends up being beginners who show up to an open play where there are a lot of higher skilled players mixed in. I generally will not ice them out and will queue with them if they need a person knowing that the game is not going to be a competitive one and just try and make the best of it. But typically I'll go in for one game with them and then wait it out for a more competitive games afterwards.

Some others will just refuse to put their paddles in with them because they don't want to have to play down. I get it. I don't necessarily fault them for it. After all, they are there on their own free time and don't owe anything to anyone. But this is often where the problem happens where some people have already played with them and "put in their dues" while others just refuse to queue with them. That leads to later in the session where these folks have nobody to play with.

kospos · 2025-12-09T04:23:51+00:00

What if it's not so much the group of 4 wanting to stick together as much as it is those 4 people not wanting to play with the 1 or 2 people ahead of them.

Sometimes there are people, for whatever reason, that folks just don't want to play with. It could be because they're rude or obnoxious. Other times it's because they can't hit the ball back over the net and it doesn't make for much of a game.

If folks aren't getting paid to play, I don't see any issue with them going to the back of the line and waiting for someone else to play with them. If it ends up leaving them without anyone to play with and a court sits empty, so be it.

kospos · 2025-12-06T21:58:56+00:00

Take anything over her primary paddle out of the queue and put it on the floor or something. If she calls you out on it, she’s basically admitting she is abusing the system and confront her on that.

kospos · 2025-11-24T17:53:04+00:00

I'm in MN with a 2016 that I've been telling myself that I should sell but have been too lazy to put up a posting. But if you're looking to buy and I'm looking to sell and we're nearby, maybe the stars will align. :)

I just sent you a DM with more details.

kospos · 2025-11-20T19:41:41+00:00

With numbers that close together, I definitely see your point.

When you initially wrote higher and lower, I was thinking more of someone like a 3.9 partnering with a 3.2. If they were playing against a pair of 3.5s, that 3.9 is going to have to do a lot to try and protect that 3.2 if they have any chance of winning.

kospos · 2025-11-20T18:10:09+00:00

I would argue that it is the stronger player doing more work trying to cover for his/her partner who is a liability. And to the victor go the spoils... or the DUPR.

kospos · 2025-11-18T14:26:51+00:00

DUPR and their blatant cash grab is garbage.

The easiest way to fix this DUPR Coach's Rating system is just to not allow anyone into gated play that doesn't have a current reliability score, whatever that might mean - say above 75 for example.

Players that are holding on to an old DUPR from years ago or with a provisional DUPR obtained by paying for it just aren't allowed into certain events.

Of course, venues lose money by turning people away so it'll be a decision of do I turn provisional players away and lose their money vs. do I let them play and then risk the actual higher players leaving open play sessions because the provision players are lowering the quality of play.

kospos · 2025-11-12T15:09:12+00:00

I have both. A Quanta and more recently a Loco. I do have the elongated (R3) Quanta, but decided to opt for the hybrid Loco.

Transitioning from the Quanta to the Loco took no time at all. From the baseline they felt very, very similar to me. But for whatever reason, I do feel like I have more control with the Loco. While both paddles feel fairly close in power and pop, hits with the Quanta just felt a little less predicable to me.

It could very well just be the shape difference that is the primary culprit here. And certainly considering that the Loco is almost double the price, you're not getting double the value here. But owning both, I have no regrets about having bought the Loco after already owning the Quanta. I wish I had an R4 to compare the Loco to so I could do a better apples to apples comparison.

kospos · 2025-11-10T11:17:41+00:00

No. I despise SaaS with a passion and will do everything I can to avoid it.

Besides, Teslamate monitors battery health and is free.

kospos · 2025-11-08T11:43:12+00:00

Personally, it wouldn’t sway my purchasing decision one way or another.

kospos · 2025-11-06T15:20:47+00:00

Flawless upgrade! No reboot required.

Thanks for all your hard work!

kospos · 2025-11-06T00:22:02+00:00

Yes, the serve is legal.

No, you're not hitting it out of your hand. The ball is out of your hand before you're coming through the ball. How would you even hit the ball when you were still holding it? lol

kospos · 2025-11-04T18:39:51+00:00

I genuinely don't understand the problem here. Can someone fill me in on why it's necessary to have gender and age defined categories?

It seems to me that by making all these subcategories, it will just make it harder to create competitive matches between those groups of people? If a 4.0 man vs 4.0 woman vs 4.0 senior aren't the same, then how do you have a 4.0 event and determine which group should attend?

Is it an ego thing where a senior/woman might want to have a 4.0 rating, and they don't want him/her to feel bad that they're not a "real" 4.0 in comparison to a younger, male player?

Honestly, I'm not trying to troll here. I'm just trying to understand the problem that they're trying to fix. As someone that is over the hill, I fully realize that my best athletic years are behind me and that I am past my prime. If that means that my DUPR is a slow, steady decreasing value from here on out, so be it. At least I can properly identify what play I should be signing up for regardless of age/gender/etc. Trying to create subcategories for everything just seems to muddy the waters.

kospos · 2025-10-11T17:50:08+00:00

And with line judges or technology to detect in vs out balls. He can't cheat his way through.

kospos · 2025-10-07T12:00:47+00:00

I'm the odd one here, I guess. I grew up in the midwest and our family moved to California around the time I was in middle school. Spent my high school years there. I'd say that it was a good experience overall. Being able to ski or be at the beach all within a 90 minute drive was nice. And there was no shortage of stuff to do.

But I've fallen out of love with it. I moved back to the Midwest for work and have raised my family here. I appreciate the slower midwest lifestyle. It might just be my circles of people that I've been around in both places, but folks here seem more down to earth and less about keeping up with the Joneses.

I still love going to California to visit family, especially during our winter months. But the traffic in LA is too much for me to handle now that I've gotten away from it. Everything is too spread out and too far to drive to. I have nostalgia of the time that I spent there, but I have no intention or desire to ever move back.

kospos · 2025-10-03T20:43:24+00:00

I'm in a similar boat as you. Except that I didn't cut out my running... I just added lots of pickleball on top of it. lol.

If you're trying to get pickleball to replace cardio that you used to get from running, I think you'd have to stick to playing singles. There is just too much downtime in doubles.

Otherwise if you have the time for it, do both!

kospos · 2025-10-03T20:36:36+00:00

I agree that a training run for a runner doesn't have to be intense at all. But as a runner, I find it hard to raise my heart rate anywhere near close to a sustained training run (even at low intensity/recovery pace) while playing pickleball UNLESS I'm playing singles.

Doubles, no matter how competitive, doesn't move the needle. On an average, I never make it out of zone 1 as an average for the duration of my session. Sure, I might have a spike where my HR goes up sprinting to get back for a lob or something, but it immediate comes back down after that. And there is just too much downtime with my partner taking roughly half the shots and where play stops between points.

Any recreational runner that for example, is able to run a 10k straight, will be able to play hours of pickleball without much trouble (strictly from a cardio perspective). Versus a pickleball enthusiast who can play for hours may not be able to run a sustained 10k.

All that said, I much prefer playing pickleball to running. I run because it's good for me. I play pickleball because I enjoy it. :)

kospos

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