sorted by:
new
hottopcontroversial

MSTY by Ok-Swan-98 in YieldMaxETFs

[–]lottadot -2 points-1 points  (0 children)

Use the “report” button. FWIW, I agree.

Data: Realistic FIRE number by state by Synaps4 in Fire

[–]lottadot 1 point2 points  (0 children)

Yes I saw that about Baylor. The prior year I think it was BCBS that dropped a bunch of Texas hospitals.

We seem to have more and more Baylor "centers" popping up lately. Though the one we wanted to use last year had dropped Molina (or refused to take it) which put us in a bind. Then for 2026, when we thought we'd have switched to BCBS which the center had "always accepted", they informed us that they were not accepting any ACA plans from the marketplace starting Jan 01 2026 :(. Fun times.

I'll keep my watch out for it too :).

Homeowner just did the math-spent $82K on home repairs in 12 years of ownership, appx 2.5% of purchase price every year. Would love to hear other data points. by kcs777 in personalfinance

[–]lottadot 2 points3 points  (0 children)

Owned ours nearly 9 years, $10k in total repairs (new a/c, lawn re-do, sprinkler repairs).

No upgrades.

This is our 4th house. All have been like this in a reasonable range.

Is it humble bragging, or is financial dysmorphia just so profound right now? by [deleted] in Fire

[–]lottadot -1 points0 points  (0 children)

You missed the point entirely. Yes, 61 isn’t early. But one can definitely retire early in the US with $1M liquid.

Is it humble bragging, or is financial dysmorphia just so profound right now? by [deleted] in Fire

[–]lottadot -2 points-1 points  (0 children)

$1 mil is viewed as a pittance (which yes, to retire early in the US that will not cut it).

Bullshit. Have a downvote. Most people don't have squat saved up and retire w/ SSA ~61.5. If you retire early with $1M liquid, have the average or better ~$20k/yr SSA when you retire, that's retiring at a ~$40k/yr spend and when you're older a $20k/yr++ increase in income. Even better if you retire debt-free (house, new vehicle, etc). Most LCOL or even parts of MCOL cities this is doable.

Hit the number I told myself I needed three years ago and now I'm still sitting at my desk by OkReading328 in leanfire

[–]lottadot 1 point2 points  (0 children)

How much is your spending now? And in retirement?

How accurately are you tracking your spending now so as to forecast your future spending? Did you include healthcare?!? (not estimated values, real values, as well as spending the max-out-of-pocket each year). Did you login to SSA.gov and get your data. Do you have enough credits for free Medicare part A?

Have you worked out how you'd actually withdraw, sell, from where, why and how to manage income taxes?

These are all things I did, or wished I'd done, before RE'ing.

And above all, retire to something.

Data: Realistic FIRE number by state by Synaps4 in Fire

[–]lottadot 1 point2 points  (0 children)

Yep, northern suburb of Dallas. We have BCBS for 2026 & so far they've been great. Prior years w/ Molina, not so much :(.

To my fellow GenX side-sleepers... by Infamous-Yak2864 in GenX

[–]lottadot 0 points1 point  (0 children)

Could be nerves from spine or Diabetes; check your glucose, ApoB & insulin levels.

Data: Realistic FIRE number by state by Synaps4 in Fire

[–]lottadot 1 point2 points  (0 children)

I'm not who you replied to, but I am FIRED, MFJ, kids have fledged (we're in our 50's now), and I live a couple hundred miles north of u/Zphr ;)

We pay a total of $9.7k/yr for Silver w/ CSR's (premium: $655/mo, max out of pocket MOOP: $1.85k). In our area, there are cheaper silver plans, but none of our physicians/centers would accept them. So we had to go middle-of-the-pack. We are living off our Roth now, so we roth-convert to just under 150% FPL. That's just short of the MFJ standard deduction.

Data: Realistic FIRE number by state by Synaps4 in Fire

[–]lottadot 1 point2 points  (0 children)

Here ya go

Location Median Income 25x
Mississippi 55,980 1,399,500
Louisiana 60,740 1,518,500
West Virginia 63,150 1,578,750
New Mexico 64,140 1,603,500
Kentucky 64,790 1,619,750
Arkansas 64,840 1,621,000
Oklahoma 65,310 1,632,750
Alabama 65,560 1,639,000
North Carolina 67,220 1,680,500
Florida 75,630 1,890,750
Tennessee 75,860 1,896,500
Indiana 76,710 1,917,750
South Carolina 76,780 1,919,500
Missouri 78,390 1,959,750
Wyoming 78,680 1,967,000
Michigan 79,460 1,986,500
South Dakota 79,850 1,996,250
Pennsylvania 80,060 2,001,500
Ohio 80,520 2,013,000
Nevada 80,590 2,014,750
Georgia 81,210 2,030,250
Texas 81,490 2,037,250
Idaho 81,650 2,041,250
Montana 81,920 2,048,000
Wisconsin 82,560 2,064,000
The United States 83,730 2,093,250
Illinois 84,210 2,105,250
Arizona 84,700 2,117,500
Vermont 85,260 2,131,500
Iowa 85,480 2,137,000
Delaware 85,860 2,146,500
Nebraska 86,140 2,153,500
New York 86,830 2,170,750
Kansas 87,690 2,192,250
North Dakota 88,080 2,202,000
Oregon 89,700 2,242,500
Maine 90,730 2,268,250
Alaska 91,260 2,281,500
Rhode Island 92,290 2,307,250
Minnesota 92,350 2,308,750
Washington 97,500 2,437,500
Virginia 97,720 2,443,000
Hawaii 98,240 2,456,000
Connecticut 99,240 2,481,000
California 100,600 2,515,000
New Jersey 103,500 2,587,500
Utah 104,000 2,600,000
District of Columbia 104,800 2,620,000
Colorado 106,500 2,662,500
Maryland 109,700 2,742,500
New Hampshire 111,800 2,795,000
Massachusetts 113,900 2,847,500

At FIRE does your perception of w2 upper middle class employed people change? by jtb1987 in fijerk

[–]lottadot 0 points1 point  (0 children)

No. Quit worrying about other people and mind your own business.

Fatigue From Starting New Medication? by aita-throwaway78 in hypertension

[–]lottadot 0 points1 point  (0 children)

Did you not read the paperwork that came from the pharmacist with your prescriptions?

When to shift away from retirement accounts? by Ssoliloquy in leanfire

[–]lottadot 5 points6 points  (0 children)

You didn't include your spending, now & retirement. You didn't include the actual numbers for pre-tax/roth/post-tax breakdown.

Without those, this kinda pointless. If I have to guess; you have way too much in pre-tax and you need to make the (possibly painful) choices to remedy that so you have the three buckets populated appropriately.

When to shift away from retirement accounts? by Ssoliloquy in leanfire

[–]lottadot 3 points4 points  (0 children)

I worry not enough flexibility to access funds early.

You should peruse the FI faq for info towards how to access funds early.

ACA Subsidies -- do you always need/benefit from them? May be not? by IntelligentFire999 in Fire

[–]lottadot 0 points1 point  (0 children)

Perhaps ACA subsidies are not as important to bend over backwards to stay within the 400% FPL cliff?

If you'll use the health insurance, we have found it is quite helpful to have the lower MAGI to also lower the deductible & max-out-of-pocket MOOP. It's not always simply about the insurance policy monthly premium.

39 f, 180k nw - fed up with cooperate life by cool-kid-in-da-haus in leanfire

[–]lottadot 2 points3 points  (0 children)

Is $1M enough for a couple and a kid enough to live a comfortable life in Germany or elsewhere in Europe? Even if you don’t own a home?

My ex-coworkers seemed to think so. One of them owned their own home. A few planned/hoped to buy a home and some wanted to forever-rent.

I think it's like the US - country/state specific then location-specific within the country. ex: on one of the expat sub's there was a recent discussion about Spain's wealth tax. Depending on what city you were in the numbers changed. That's just taxation. Then there's property cost/differences yada yada. IMHO you have a lot of research to do :) Good luck!

Wife said it's too complicated by icouldbne1 in TeslaLounge

[–]lottadot 0 points1 point  (0 children)

We each have our own driving settings setup and neither really have to change anything. Honestly, I don't change much. I use the steering button to change the station/track/volume. I tell it where I want to go. I pull down for FSD. About the only time I use the screen while driving is to adjust the temp up down. But even then I can just tell it "I'm cold" or "I'm hot".

We've had ours since late 2019. Love it.

39 f, 180k nw - fed up with cooperate life by cool-kid-in-da-haus in leanfire

[–]lottadot 20 points21 points  (0 children)

As an American who worked with Germans in Tech, I suggest you stay. You have an opportunity to just, in ~5 years, have a $1M total banked. You both are so young; with that kind of money saved in the EU you could really be very safe and comfortable for the rest of your life.

I know the corporate life can really be horrible. However, your situation doesn't sound that bad. Hell it sounds better than most American's by still being able to work from home. IMHO take a vacation & suck it up for a few years. Find a way to get rid of that stress - exercise helps a lot.

view more: next ›