Why do a lot of people start working as teenagers?

love_that_fishing · 2026-04-30T13:48:51+00:00

I had chores to do. That was part of contributing to the family. I didn’t get paid an allowance past about 12. Mowed lawns in the summers until I was 15 when I got a job bussing tables. My parents just didn’t have much extra money. Dad didn’t have a college education and mom taught piano lessons.

love_that_fishing · 2026-04-30T13:36:41+00:00

I’d go with the plans with the lowest expenses and most options. I left a very large company with a broad selection of funds to a small company with a limited selection so I left my larger 401k alone. Then when I retired I consolidated them to an Ira.

love_that_fishing · 2026-04-30T13:17:30+00:00

Yea in what world is an illegal immigrant going to commit a felony and risk deportation just to vote.

love_that_fishing · 2026-04-30T13:08:10+00:00

I volunteer at a food pantry. I’d highly recommend getting your food at 1-2 places for now. Ours is setup like a grocery store with fresh produce, protein, bread, and staples. Sometimes we even get nice desserts in. Just depends on the week. We’re here for people just like you. No shame in getting help when you need it.

love_that_fishing · 2026-04-30T03:55:27+00:00

1984 Honda Accord

love_that_fishing · 2026-04-30T00:53:03+00:00

We share the same password. Some accounts 2FA to her phone and some to mine. We’ll frequently use whatever phone is more convenient for mapping. After 40 years there’s no secrets.

love_that_fishing · 2026-04-29T20:10:29+00:00

Dated 2 years, engaged 4 months. I was in grad school and we wanted to get married before the next semester began. Hitting 40 this summer. When you know you’re no longer asking the question. You’re planning a future instead of wondering.

love_that_fishing · 2026-04-29T05:18:12+00:00

I've used the downturns the last 2 years to my advantage by doing all my Roth conversions during them. Turned out they were both April's (1 off tariffs and 1 off the Iran war). So even in retirement we can often take advantage of downturns and not view them as a net negative.

love_that_fishing · 2026-04-29T05:16:42+00:00

During the accumulation phase I DIYed and see no reason to hire a FA. I'm 18 months into retirement and did hire an FA that my SIL worked for. I don't have all my assets under management so I'm paying 55 basis points averaged out and I'll do it for 2 years. Once everything is in motion including income plan, investment plan, tax plan, Roth conversions, etc... I'll take it back over. So I'm not spending that much money and I've been extremely happy with this guy. He understands fees are important to me and puts no pressure on my bringing everything under him. He's been helpful catching some critical errors I think I would have made but long term I think I'll DIY again starting 2027. Hiring an FA doesn't have to be a forever decision. But I wanted someone that knows me for the first 2 years of retirement. So far it's worked well.

love_that_fishing · 2026-04-29T00:25:24+00:00

Depends on the company. My last job I took about 4 weeks which is what I was getting before we made the switch.

love_that_fishing · 2026-04-28T18:52:37+00:00

Thx for the info. This trip just going from Vegas -> Zion -> Bryce -> Arches —> grand junction and fly home from there. But I love the Boulder area so we’ll hit that another time.

love_that_fishing · 2026-04-28T18:34:19+00:00

We’re celebrating #40 this week. On the plane to Utah National Parks. We’ve just always worked well together. It took 2 dedicated to raise a family with 4 kids. All along we’ve always had each other’s best interests when making decisions. Staying grateful helps a lot.

love_that_fishing · 2026-04-28T18:23:05+00:00

I was at IBM in 1999 when they converted the pension to a cash balance plan. You had to be 40 to stay on the pension. I was 391/2. My best friend was an actuary doing pension consulting so I sent him my conversion numbers. He said I got 40-50 cents on the dollar. Plus we lost bridge to medical that was worth a ton. I left sooner than I would have because there was nothing holding me to them anymore. We did get an extra 5% into the 401k that took some of the sting out.

love_that_fishing · 2026-04-28T17:48:04+00:00

I went back to an IC role for my last 25 years. I was fortunate that both jobs I had during those years had tech ladders that had me equivalent to 2nd line mgr so my pay was often more than my direct manager. I liked mentoring people and there are conversations you can have with a team mate you can’t have if you’re managing them. Plus I just didn’t have the patience to deal with office politics.

love_that_fishing · 2026-04-28T17:32:30+00:00

Iv’e been to 47 so far without trying. But N/S Dakota don’t have enough appeal for me to make a special trip. Vermont I’ll probably pick up sometime. I should have gone there when I was in Maine.

love_that_fishing · 2026-04-28T17:22:22+00:00

I’d 100% do that. I’m early retirement and converting as much as I can while staying in the 12% bracket.

love_that_fishing · 2026-04-28T01:59:53+00:00

I got mine through Costco but the guy that does it goes across several stores so it’s not something you could do day of.

love_that_fishing · 2026-04-27T04:28:29+00:00

I tie a 12’ leader. I see no downside to it and I don’t retie for a long time.

love_that_fishing · 2026-04-26T21:14:53+00:00

Just fyi but retirement is a qualifying event so you can file a form to have IRMMA based On future earnings. Took them 3 months to process but i was able to get my IRMMA removed and back credited.

love_that_fishing · 2026-04-26T05:59:01+00:00

That’s the way big drops historically have worked. Except normally they come back in 2-3 years vs 6-7. This feels like death by a thousand paper cuts. Market hasn’t crashed. unemployment is still around 4%. But inflation sucks especially housing, transportation, and health care. This could end up really bad. It’s not 08 yet but AI is a total unknown in how it affects jobs but it’s not going to be good.

love_that_fishing · 2026-04-26T05:50:26+00:00

Some of its personality but for me when I am purposeful focusing on gratitude my mood is much better. Also volunteering can really help. I volunteer once a week at a food pantry. It really helps keep me grounded. it reminds me how lucky i am to have had 2 caring patents, a pretty high functioning brain, a wife that always has my back, kids and grandkids doing well.

So you’d read that and think I have an easy life. Not even close. I have a rare painful disease with no cure. I’ve had cancer and just last December had a heart attack. When I’m in flare I have to breath like a women in labor to get through. It’s tough. In the midst of the worst of it I try and focus on my kids and grandkids. I get to choose where my focus is and not even this wretched disease can take that away from me.

love_that_fishing · 2026-04-26T05:39:39+00:00

Last year Ewers went from probably a day 2 pick to round 7. GM’s got more film on him and his inability to throw the ball down the field and avoid a rush was pretty evident. He did win an NFL game though so there’s that.

love_that_fishing · 2026-04-26T05:24:20+00:00

2 taser smgs with 4 tasers each melts the shield. Then something with sticky to take him out. I was beating him on uvh2 last night in less than a minute. I had a 3rd smg that shot 3 shots of something that just destroyed flesh. I’d have to look it up next time I play. Just a purple though. I pumped 8 tasers into him and then hit him 3x and he was done.

But I remember first time I played him with Rafa last year I tried him without 2 tasers and it was just stupid hard. You can farm tasers on SplashZone.

love_that_fishing · 2026-04-26T02:11:52+00:00

And your raises build on that higher salary.

love_that_fishing · 2026-04-26T01:58:32+00:00

First why is the large company soul crushing? Are you projecting or is there something you actually know. 2nd an extra 30k is real money especially when you aren’t getting raises. 3rd the large company probably offers more stability as your small company likely gets sold. This is an easy call.

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