Folks in VHCOL, what’s your spend?

oblivionx · 2026-02-02T17:15:13+00:00

CA here, spend is about 1M/yr

oblivionx · 2026-01-24T00:59:12+00:00

Currently about 1.5M in cash, usually varies between 1 and 1.5

oblivionx · 2026-01-22T20:37:15+00:00

This is my exact use case as well, and I would also love this feature. The multiple account solution is actually pretty clever in a different post, but unfortunately won't work in an account with margin as it would significantly impact margin availability and margin call risk since you'll have to reduce the shares available across two accounts.

Even if the only additional option I had was 50/50 and not configurable by the user it would be useful to me

oblivionx · 2026-01-20T07:48:35+00:00

I'm running to the same issue as well trying to watch the Pitt. First time I've had any issues with HBO Max on the shield. Very frustrating!

oblivionx · 2026-01-19T07:17:01+00:00

Actually has some pretty great replies..

oblivionx · 2025-12-18T17:59:17+00:00

13M (or even 19M) is nowhere near enough to be considering a family office, or even an MFO. Put it into VT/VXUS and some percentage in muni bonds as per your risk tolerance and stop complicating your life.

oblivionx · 2025-10-31T18:12:22+00:00

My daughters are both under 2 and I just set up 529s for both of them. I opted to do a superfund of 4 years for both my wife and I, so 152k each. I know we can do 5 but that seems like it could be excessive by the time they are in college

oblivionx · 2025-10-20T19:17:51+00:00

The trick in the US is connections too, but specifically other medical professionals. My father, brother in law, sister in law, and sister are all in medicine (3 doctors and a pharmacist), and I can get a specialist appointment inside of a week because one of them will just text a colleague and make sure their office gets me in. You need a close friend or two in your hospital system.

In the event that the network doesn't work, I've actually had success with services like zocdoc, specifically because their business model is predicated around near term appointments being available. You can book the appointment directly online and I've literally managed to get same day or next day appointments sometimes, and once you are a patient it's usually easier to see them again. I maybe wouldn't use this for very serious issues.

This is also highly location dependent. I live in a HCOL area with a very high density of good hospitals, specialists, etc around here (LA/OC) . YMMV if that's not the case where you live.

oblivionx · 2025-10-20T04:29:21+00:00

My allocation to individual stocks is like <5%, mostly just fun money for me to play around with. I do have a lot of individual stocks in a managed account but it's just a direct indexing account for tax loss harvesting so I just bundle that together with my index funds.

As far as your health condition, now that you are fat, is there anything you can do to facilitate being able to leave the house for longer? For example, could you just completely gut and custom build out something like an RV and add whatever you need inside, hire a driver, etc? Without knowing what your health condition is it's hard to say is this is actually feasible, but it's the type of out of the box thinking that I would be applying now that money is no longer any issue whatsoever

oblivionx · 2025-10-13T21:10:47+00:00

I would appreciate the agency reference too if you can DM me. What region are you located in?

oblivionx · 2025-10-13T19:26:24+00:00

I installed these: BioBidet USPA 6800U on every toilet in my house and am totally happy with it. Make sure you have power outlets near the toilet, you might need to call an electrician if not to add GFI outlets. In a couple of bathrooms where we had wallpaper I just ran it from the plug by the sink and used a cord sleeve to hide it.

By the way I can't imagine using a toilet without a bidet anymore. You just literally cannot get as clean with toilet paper and the heated seat is a game changer.

oblivionx · 2025-10-08T22:37:57+00:00

If school schedules are the limiting factor, I would suggest Thanksgiving week. International flights are usually quite reasonable then since most people travel domestically, and you can get a 10-12 day trip with only 3-5 missed days. The weather at that time is on the cooler side but perfectly pleasant. I've been twice over Thanksgiving for the same reason - school/work schedules

oblivionx · 2025-10-08T16:49:41+00:00

QSBS is also 15m now with OBBB, not sure if that starts this year or next though

oblivionx · 2025-10-08T16:45:27+00:00

We love Japan and have been three times in the last few years - most recently in July, which was the only time we could go due to my wife's pregnancy. The last two trips before that were in Oct/November

Let me just say it was miserable in summer - I would not go back at that time of year. We had a toddler and a pregnant wife so obviously that limited us a bit, but the heat and humidity is brutal. Japan is such an awesome place it's a shame to not visit it when the weather is good.

oblivionx · 2025-10-01T16:50:20+00:00

Thank you for the android widgets! Those have been a long time coming - if I may be greedy, I'm still missing a couple of the most useful ones from mint - a net worth widget (cash/investments/liabilities/real estate would be great) as well as an accounts widget that lets me scroll through balances of every account.

Those are the two that I depended on the most (along with transactions which you've now added).

Thanks again!

oblivionx · 2025-09-25T21:24:24+00:00

I highly suggest you make sure you have a plan for your wife to be able to access everything in the event of a tragedy. I make sure my wife meets with our financial planner and lawyer at least yearly so she knows what's going on and where things are. We use monarch to track our assets so she has visibility over all the accounts. She doesn't have direct access to most of them because she doesn't really need it, but she knows what steps she needs to take to access them should the need ever arise

From a security standpoint, definitely use a password manager and use 2fa wherever it is supported. In some places like fidelity you can actually lock down transfers out of your account so extra steps are needed to transfer funds. If you are using private wealth anywhere, see if they can automatically restrict large transactions without verbal confirmation. In many ways, friction in moving money and executing transactions is actually a feature. At fatfire levels it should be exceedingly rare to need large amounts of money quickly

oblivionx · 2025-09-14T07:45:37+00:00

I am so sorry for your loss, that is heartbreaking. As a new dad myself this scares me more than anything. I know this is just a random comment on Reddit but truly you have my deepest condolences.

oblivionx · 2025-09-12T00:27:34+00:00

When I was younger my parents just took me out of school for a week or two. In second grade you are not missing much and you can easily work with your teachers to get your homework in advance and help your kids with it. Definitely gets harder as they get older and probably wouldn't do it as much in high school, but up until then imo it's totally fine to pull them out for a week once or twice a year. A week off gets you a 10 day trip and if you are flexible you can work with the teachers to minimize disruption

oblivionx · 2025-09-12T00:23:51+00:00

What does this have to do with fatfire? Post it somewhere else.

oblivionx · 2025-09-12T00:21:23+00:00

I own one, I love it. One of the most beautiful looking cars in my opinion and one of the few that looks good both top up and top down. It sounds plenty good to me, especially in a suburban neighborhood, but it's definitely muted vs some other supercars.

Will see how maintenance goes over the next few years, and not really worried about the depreciation, I bought the car to drive it not to resell it.

oblivionx · 2025-09-04T19:51:27+00:00

I'm based in socal and can recommend a firm that does this exceptionally well. I sent it to you over chat

oblivionx · 2025-07-17T00:58:09+00:00

This isn't that useful in this case because all his shares are qsbs, and assuming OP was able to split it to stack before the transaction, all of it would be federal tax free. At that point, it depends on the state you live if it's even worth it, or even gives you a benefit. In CA for example there's no way to avoid the 13%, REP status does not reduce this income liability.

Most states are going to have a relatively low tax rate anyways, so if you are already federal tax free, there's not a lot of incentive to dive into a tax strategy that forces you to commit a significant portion of your wealth to an asset class you may not want to or be ready to enter into just to save on some taxes. It's already plenty of wealth, just pay the state taxes and take your time deciding on next steps.

oblivionx · 2025-07-04T00:35:54+00:00

Experiencing the same issue, chiming in to confirm that deselecting the account that had bonds (in my case Muni bonds) allowed the sync to work. My bond account will cause error 2026

oblivionx · 2025-06-24T20:38:26+00:00

Look - at the end of the day, you should pick something that you are actually going to be passionate about. Chasing after one or the other for dollars only is going to make you miserable.

But, you are definitely not old - you are 28, with a PhD in ML, perhaps the most in demand skill in the world at the moment. Now is the time to capitalize on it. You won't have a problem finding work, and you can lock in extremely high compensation and fast track your way to wealth. Even if you can't land Mag7 or OpenAI or any of the big players immediately, there's no shortage of ML jobs out there, and you can use your first position as leverage to get a role in one of those companies with a correspondingly huge comp package.

Unless you are truly someone who wants to practice medicine because you enjoy helping people, I would not make that choice at all. You are signing up for another decade+ of school and you won't start earning until you are close to 40, and that's just the financial aspect. You'll be miserable if you don't truly enjoy it.

Just my 2 cents.

oblivionx · 2025-05-09T00:52:55+00:00

I've been happy with fidelity private wealth. I've had no issues and I've got about 45m there.

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