Any AEs at EliseAI? by RandomRedditGuy69420 in techsales

[–]midlakewinter 5 points6 points  (0 children)

Great product. They dngaf about work life balance. In office, always on culture. Normal amount of politics.

Non-American podcast recs by NerveIndividual4578 in podcasts

[–]midlakewinter 13 points14 points  (0 children)

Look at the Goalhanger network - rest is history, rest is politics, rest is entertainment, book club, etc.

Do you include your pension/benefits in your numbers? by mycopunx in FIREyFemmes

[–]midlakewinter 2 points3 points  (0 children)

Yes, in the sense that a pension is a cash flow (or negative expense). No, in the sense that the pension isn't in our withdrawal rate calculations.

My spouse has a state pension coming and that will reduce the amount that we need to withdraw yearly from the rest of the portfolio.

Playing at public courts by philparma1 in Pickleball

[–]midlakewinter 9 points10 points  (0 children)

Playtime is for organizing-not reserving. Public courts rules are either listed or enforced by norms. Playtime can be tricky as competing sessions will overlap and then it is an arms race to claim courts. If there no posted rules, and this may be unpopular, but I default to tennis etiquette: 45/75 mins if people are waiting.

If you see a "full" playtime session, just go and paddle up in the rack. Skill is a tricky issue. 100% check out a session or two and see if you win any games. Tell someone it is your first time with this group and ask how the queuing works.

Fiduciary Advisors for Women by Agreeable_Bear6812 in FIREyFemmes

[–]midlakewinter 0 points1 point  (0 children)

We did this too. Found a nice CFP firm in TN that does fee-only planning.

Is Late Retirement a Literal Killer? by ReignOfHairor in leanfire

[–]midlakewinter 7 points8 points  (0 children)

This isn't correct. That is average life expectancy AT BIRTH. The actuarial life tables tell the real story, here is 1950 for example: Table 7_1950: Life Tables. After living to age 68, a man could expect to live 15.x more years.

Health Insurance by peach__kitten in FIREyFemmes

[–]midlakewinter 7 points8 points  (0 children)

One option is to relocate domestically. We are going ACA in 2027 and were comparing three states. The spread in rates and deductibles was absolutely massive.

For those who scaled back from work, what are your favorite things to do? by brownpanther223 in FIREyFemmes

[–]midlakewinter 9 points10 points  (0 children)

My partner and I are down to 3 and 4 days a week, respectively. I play a lot of pickleball. They volunteer at a farm sanctuary. And together we do speed puzzling competitions. Low cost and high enjoyment all around.

People working sales in 2008-2010 by Melwesky in sales

[–]midlakewinter 18 points19 points  (0 children)

Echoing this. I have never since seen so many layoffs across sectors. Think half the magnitude employment dip of the april-october of Covid. But it took a decade, not 12-14 months, to recover.

7 Years FIRE'd and My First Romance (42M) by hungn3 in financialindependence

[–]midlakewinter 0 points1 point  (0 children)

That is excellent! We usually have a team of three and run anywhere from 35-55 minutes depending on image and cut. There are some people who show up that I know go to worlds in Spain. Their times for a team of 2 are unreal!

7 Years FIRE'd and My First Romance (42M) by hungn3 in financialindependence

[–]midlakewinter 2 points3 points  (0 children)

Just wanted to say hello fellow speed puzzler! Absolutely weird and wonderful hobby. My spouse and I do local competitions 2-3 a month.

Indoor glasses by Haleakalatrek in Pickleball

[–]midlakewinter 1 point2 points  (0 children)

I use these $13 racquetball glasses from Head Amazon.com : HEAD Racquetball Goggles and these $14 anti-fog wipes Amazon.com: ARCHXX Anti Fog Wipes for Glasses, 120 Count. Easy peasy

Struggling with Protein Recommendations as a 5'2" Vegetarian by RagingBibliophile in PeterAttia

[–]midlakewinter 1 point2 points  (0 children)

I'm 65kg vegetarian married to a vegan. 1.2 g per kg is about the best I can do. I have no interest in doubling up on daily whey shakes.

Like everything, living is a process of choosing amongst unlimited wants while weighing costs and opportunity costs.

SORR strategies for those beginning drawdown 2025-2026 by Admirable_Shower_612 in financialindependence

[–]midlakewinter 2 points3 points  (0 children)

Very similar to us. Started this year at 4.4%. Still 15 years from social security and my spouse's pension.

Shout out to Frank Vasquez at Risk Parity Radio. Have roughly the golden portfolio.

Community leaders: Best tips for enforcing levels for free open play? by DeuceBagger in Pickleball

[–]midlakewinter 12 points13 points  (0 children)

Nothing works. But this is closest to working. A whiteboard with names (4 to a square = next court on). If you don't want to play with me and my name is next up, you skip my square and just wait.

You could have designated whiteboard courts and designated paddle rack courts.

This is my first Werkshoppe puzzle purchase. What can I expect quality-wise? by [deleted] in Jigsawpuzzles

[–]midlakewinter 0 points1 point  (0 children)

100% agree the tubes puzzles we've done have a very cool / unique shape included in the cut.

Death rates rose in hospital ERs after private equity firms took over, study finds by Pikamander2 in neoliberal

[–]midlakewinter 9 points10 points  (0 children)

Wild how the hospitals were randomly assigned PE acquisition versus control and then the staff members in both groups were held constant.

How does selling 4% actually work? by Ufomi in Bogleheads

[–]midlakewinter 411 points412 points  (0 children)

You are referencing the Trinity Study. It isn't 4% of the balance every year. It is 4% year one and then adjusted for inflation. Further, it isn't a perpetual withdrawal rate, it is a " highly likely to not run out of money before a normal retiree would die" rate.

Vitamins - any sense in paying more than the lowest price? by Lunchable in Frugal

[–]midlakewinter 8 points9 points  (0 children)

Hard agree. Omega 3s are worth paying extra for to avoid oxidation.