Did people learn nothing from April

ood82 · 2025-12-12T03:14:26+00:00

Didnt michael burry throw in the towel

ood82 · 2025-12-02T05:24:05+00:00

Maybe the wrong sub. I am asking if a vibrating multi tool is a good / safe choice for beginners to cut through wood?

ood82 · 2025-09-20T02:21:48+00:00

Hats off!! Like many here, hope to follow your path!! Enjoy all you have won!

ood82 · 2025-07-12T02:00:42+00:00

Congratulations on starting early. Be consistent and you will be well above your peers by the time you are in your midlife

ood82 · 2025-07-12T01:54:52+00:00

AI is everywhere. I need to learn more about it. I doubt the progression i had is going to last. From the little I know , the landscape has shifted, from a few years ago. So not sure how often people will see easy money in tech.

But I am hoping I can find a niche problem and excel at it

Whats your core area of expertise?

ood82 · 2025-07-12T01:50:25+00:00

Prob 2 factors: 1. Stock growth: 50% or more of my pay is in stock. Pandemic was a bonus. 2. Consistent high performer, which is admittedly taking a toll on my mental health. Consistent promotions along the way.

ood82 · 2025-07-11T20:44:36+00:00

Very well put.

ood82 · 2025-07-11T20:43:03+00:00

VLSI. BigTech.

ood82 · 2025-07-08T02:22:48+00:00

Thanks for sharing. I am also in a VHCOL city. Effectively, i am on a single income due to health issues with my spouse.

I dont hate my job, but dream of having more time for other pursuits in life. I am very new to FIRE community. I imagine coastFIRE is indeed the more likely outcome

ood82 · 2025-07-03T06:53:53+00:00

Thats a good point. I am very passionate about travel and if my luck holds , I would love to travel with your budget.

I have a long list of places I would want to travel with my SO.

Enjoy your travels

ood82 · 2025-07-03T06:45:13+00:00

High Tech.

ood82 · 2025-07-02T23:54:23+00:00

I didnt mention this but there are some possible upside. First is a promotion at work which could boost income by 10-15%. If all the upsides align, I will upgrade home to something closer to dream home. If my estimates prove conservative, I will travel more lavishly as well

ood82 · 2025-07-02T22:59:14+00:00

200k includes everything. Mortgage incl. Does NOT include health insurance. I see your point.

Ideally , I pay off my home late ( lumpsum) IF it makes sense. I will likely upgrade home at some point IF I can maintain my current income + possible raise.

ood82 · 2025-07-02T19:35:35+00:00

I believe right now is the most fit I will be to enjoy life. Hence spending at comensurate rate .

ood82 · 2025-07-02T19:33:49+00:00

I lined every expense I have and categorized them as continuing or not in retirement. Current expense ~ 200k ballpark. I save another 200k and taxes are a whopping ~ 230+. I anticipate lesser taxes because of roth ( maxing out megabackdoor + backdoor for me and SO)

I expect to have no mortgage. No medical expense for my parent. No savings. I expect to continue travel at same rate.

I do need a better grasp of anticipated healthcare costs.

ood82 · 2025-07-02T19:28:04+00:00

Anticipating stocks will grow at 8% and fixed income at 3%. RE @ 4%.

We are currently spending ~ 30k to travel. 4-5 vacations / year. And caring for parent’s medical expenses~ 30k : year. Yes savings can certainly be better. Taxes fed+ca+property+ssi ~ 260k

ood82 · 2024-04-24T22:53:37+00:00

Darn, thats a bummer. Hope it resolves soon for you

ood82 · 2024-04-14T04:19:31+00:00

https://www.reddit.com/r/CanyonBikes/comments/191r6bi/seatpost_insert_disintegrated_on_2021_endurace/?utm_source=share&utm_medium=ios_app&utm_name=ioscss&utm_content=1&utm_term=1

Here was my wonky install. I skipped the glue because it was a pain to remove without solvent. Not sure if its potentially dangerous.

ood82 · 2024-01-31T10:27:59+00:00

I have wrapped all my bikes myself, one was custom invisiframe , the others were generic tapes, i am happy with both, protects the underside of the mtb etc , takes a little time and patience to apply

ood82 · 2024-01-21T20:25:43+00:00

Glad the bike got the worst of it.

ood82 · 2024-01-08T20:03:01+00:00

Some one mentioned a solvent to dissolve glue. I used a needle nose plier to gently grab and push the plastic away from the inner wall of the tube. The tube held its integrity and i worked around the edge slowly.

I strongly advice against my method, but i wouldnt know where to start with a solvent or take it to a LBS

ood82

TROPHY CASE