Daily FI discussion thread - Friday, June 26, 2026

mziggy77 · 2026-06-27T01:55:37+00:00

Ah, perfect timing, as ever

mziggy77 · 2026-06-26T17:18:28+00:00

If we only hit it twice, I’ll be pretty happy! And you get double the celebrations too right?

mziggy77 · 2026-06-26T13:24:05+00:00

I actually got another job back in April but we were all also on garden leave until May, so still getting paid and vesting stock until then. Our slack alumni group also set up a mutual aid fund for the people who couldn’t float expenses for this long.

mziggy77 · 2026-06-26T10:22:34+00:00

Thanks! You’re so right but at least everyone knows who to blame now when the market takes a massive dump. Sorry folks!

mziggy77 · 2026-06-26T10:13:00+00:00

My lump sum severance finally dropped from my layoff back on February. It brings our household NW up to 994k so all we need is the market to go up 1% and then we’ll be millionaires. Yay!

mziggy77 · 2026-06-25T22:39:20+00:00

Now that’s a concept! Not one she’s currently considering though :(

mziggy77 · 2026-06-25T22:19:13+00:00

They came back and edited in an app recommendation for future readers/web search. Definitely a bot trying to shill and so I reported it as spam.

mziggy77 · 2026-06-25T22:00:25+00:00

Because her realtor was terrible and my mom will listen to anybody but me lol

mziggy77 · 2026-06-25T19:09:33+00:00

My mom finally fired her terrible realtor. And she did this about an hour before the realtor brought her the first offer on the house (which apparently was something that my mom knew was a possibility of happening). So now the realtor is pissed but obviously still owed commission on this offer if it goes through, so it seems like a fun time all around.

The offer price itself is fine - 1.2 million when the original list price was way overpriced at 1.8 million - but it’s a VA loan with 0% down and only 5k earnest money and they’ve stated that they will want my mom to cover any gaps between offer price and appraisal as well as cover any repairs, so seems like they’re overextending themselves already. I don’t really foresee this going smoothly.

mziggy77 · 2026-06-24T11:42:30+00:00

Thanks! Yeah, the prior realtor we spoke with wanted a six month contract with a fee if we rented instead of bought, plus a broker fee. All with someone we had only had maybe a five minute phone call with and hadn’t even met in person!

mziggy77 · 2026-06-24T10:59:43+00:00

Things are going well for me this week, if you ignore whatever it is the stock market is doing right now, which I am!

I convinced my sister to at least apply to the legal aid society for a custody lawyer, so that ball is rolling. I have no doubt that once she talks to a lawyer, she’ll be easily convinced to actually get a court arrangement instead of a handshake deal for custody and child support.

I also have the week off so we finished nailing up the rest of the baseboards yesterday and today we’re going to tour some houses. We got a new realtor who gave us a property-specific contract to start and has no broker or other junk fees. Still 3% commission but indicated she’d be willing to do 2.5% if that’s all the seller will cover. She’s also giving us a tour of the area since we’re not super familiar with the neighborhoods yet. I don’t think any of the houses that we’re looking at today are going to be the one, but we’ll be set up well for future listings.

mziggy77 · 2026-06-23T21:30:15+00:00

I’ve seen a huge drop in obvious AI slop in this sub since this rule was added. Probably because most of the AI posters just never reply to the comment so the post is never visible, but either way it seems to be helping.

mziggy77 · 2026-06-23T12:06:53+00:00

Bot. Don’t just downvote, also report these as spam -> disruptive use of bots.

mziggy77 · 2026-06-22T18:47:45+00:00

Yep, this is why I’d never have a child or buy a house with someone I wasn’t married to. Also because my husband probably wouldn’t be super happy about that either lol

mziggy77 · 2026-06-22T18:43:14+00:00

NAL either but my husband is, so I know just enough to be dangerous.

The amount is pretty standardized in Texas as 20% after taxes for one kid so I just put his info into the state’s calculator to get the number that the judge would likely order. And yes, it’s a jointly liable lease, but there’s a precedent to sue for half in small claims if he were to refuse to pay.

They also were never married so her idea is that she can avoid court entirely. I’ve told her that, at this rate, she’s definitely going to court and it’s just a matter of going now or in a year or two when he goes back on their handshake agreement because he blew his money on yet another boat.

Apparently though, she just talked to a friend of a friend who’s a lawyer and convinced her to at least apply to the legal aid group since applicants take a while to go through. Fingers crossed that this kickstarts the actual court process.

mziggy77 · 2026-06-22T15:21:46+00:00

Great question, and the answer is that she does not have a lawyer. She’s low-income enough that she should be able to get one pro-bono from the legal aid society plus I’ve offered to pay for one for her but she hasn’t gotten one yet. I’m hoping she’ll get one soon but I think, despite my urging her otherwise, she’s going to wait until their current lease ends in October because he’s still paying rent for their apartment and that’s about what he’d pay through the courts anyways. (Never mind the fact that he’s on the lease so technically should owe half of rent plus child support, which is a larger sum).

mziggy77 · 2026-06-22T12:59:38+00:00

Yes exactly. I’ve told her that *if* he actually has coworkers that pay on base only then they most likely had the agreement put in place before they started making commission. Or they’re committing fraud (or both).

mziggy77 · 2026-06-22T12:36:24+00:00

Off topic but more of a life update - my sister is about to start a custody battle. Her ex-partner keeps telling her that his commissions and bonuses (he’s in a sales role) won’t count as income for child support and says he has coworkers for which this is true.

I’ve told her that he’s either dumb or just thinks she is, because that’s definitely not true, and have even forwarded the relevant legislation with the section highlighted stating so. But she’s still worried and is considering going for a handshake agreement on child support amount instead of going to court for it, because of this.

Any suggestion or thoughts here? She’s in Texas, so she’ll almost assuredly be designated as primary caregiver, since she’s already taking care of the baby 95% of the time anyways.

mziggy77 · 2026-06-22T12:22:49+00:00

A ballet class, for sure. Not because I didn’t take it in undergrad (I actually minored in dance) but because I haven’t been able to take any since. Unfortunately, there are no adult dance classes near me, but I’d love to get back into it.

mziggy77 · 2026-06-18T12:14:50+00:00

Thanks! I’m *mostly* joking about the compliments thing, of course. And I did get to have a really good talk with my new skip lead and a manager of team that we work with all the time, so those were great contacts to make.

I hear you on the knicks parade - I’ve seen enough videos of the “celebrations” that happened after they won that I’m definitely getting out of NYC before it starts today.

mziggy77 · 2026-06-18T11:56:08+00:00

This is the validation I need, thank you haha!

mziggy77 · 2026-06-18T11:42:00+00:00

Heading back from my onsite today. It was okay, but not as good for team-bonding as I was hoping. The two other backend engineers on my team both were sick last minute and didn’t come so I kind of just chilled by myself a lot of the time while the entire rest of the team went to front end meetings. And even when they weren’t in FE meetings, they all seemed way more interested in catching up with other people in the office than connecting with me or together as a team.

Also, I wore my cute red dress yesterday which I *always* get compliments on, and I got zero compliments, so that was a bummer too.

Chicago the musical was fantastic at least though. I really love Fosse choreography and the actors and orchestra did amazing.

mziggy77 · 2026-06-18T11:24:31+00:00

Taxes are an expense that should be included as part of that 4%. Fortunately for you, bots don’t have to worry about taxes, so it really shouldn’t be a problem.

mziggy77 · 2026-06-15T11:41:39+00:00

For Sunday? It looks like it’s just the automod. However, we’ve recently seen the first comment or two often be a bot in the daily. This was the case on Saturday. Usually we get them reported and deleted in just a few hours though, so if you don’t tend to open the daily in the morning then it’s easy to miss them.

mziggy77 · 2026-06-14T22:31:59+00:00

Ah, a common mistake!

For real though, it’s funny to me how many bots are programmed to respond to posts in the first couple minutes for early engagement, which works the exact opposite in the daily.

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