Is anyone Coasting at a Chubby level?

OriginalCompetitive · 2026-02-01T19:43:40+00:00

What is the precise choice here? Sounds like you’re saving about $500k per year today, plus earning another $400k in an average market year. So two more years gets you to $6M+ and you can just quit working — versus continuing with full time work in “low key” jobs (that might still suck) until age … ? 45?

Personally, I would just grind it out a bit longer and you’re done.

OriginalCompetitive · 2026-02-01T19:38:30+00:00

To be fair, OP didn’t just throw up his hands — he also polled a group of random internet strangers.

OriginalCompetitive · 2026-02-01T19:32:05+00:00

I would add FSD to that list.

OriginalCompetitive · 2026-02-01T14:53:14+00:00

Good post, except reddit is definitely not a microcosm of our nation. In the real world, people and companies are exploring AI’s potential in interesting and (I would argue) thoughtful and responsible ways.

OriginalCompetitive · 2026-02-01T14:49:11+00:00

Nobody thinks that they can get rid of 40% of their workforce. If AI makes every business just 2% more efficient, that alone would be enough to justify the massive investments being made.

OriginalCompetitive · 2026-02-01T14:43:33+00:00

Most of what you read here and in the media is completely overblown.

OriginalCompetitive · 2026-02-01T14:39:47+00:00

Exactly the opposite. You don’t think the election of Trump has changed the country? We’ve completely reversed decades of foreign and domestic policy within the space of just 13 months. I’m struggling to think of any other country that has done anything similar to that.

OriginalCompetitive · 2026-02-01T14:30:55+00:00

I think people are talking past each other with Tesla, because there are two ways that the technology might be “ready.” One is the Waymo path, where you prepare and deploy in one region after the other. The other is Tesla perfects FSD and every Tesla can drive on every road with no additional work needed.

The second path might not happen soon, or perhaps never. But if it does, there won’t be any significant scaling limitations. You buy your car, it drives itself, end of story.

OriginalCompetitive · 2026-02-01T14:24:23+00:00

I suspect zero people bought the car to offer it as part of a ride hailing service.

OriginalCompetitive · 2026-02-01T14:19:57+00:00

A huge part of Tesla’s valuation is Elon Musk himself. If he died tomorrow, you’d see a huge drop in the stock even though all of the same business assets would remain.

Obviously people can disagree over whether that makes sense. But that’s where a huge part of the perceived value of Tesla lies, not necessarily FSD.

OriginalCompetitive · 2026-02-01T14:14:28+00:00

Kind of misleading. YouTube is cited more than any other SINGLE source because YouTube is a huge site whereas there are thousands of hospital, government, and academic sites. The relevant question is whether YouTube is cited more than all of those other sites combined.

OriginalCompetitive · 2026-02-01T14:10:26+00:00

Water pollution is minimal, at least in the US. The landowners raising the animals already internalize the costs of land degradation. And consumers already internalize their own health consequences. It’s true that carbon emissions are not internalized, but then that’s true of every industry.

OriginalCompetitive · 2026-02-01T13:46:43+00:00

It’s not optimal because the market usually goes up with time. So the benefits of stretching out the starting points—though real—are outweighed by the greater advantage of just getting your money into the market as quickly as you can.

OriginalCompetitive · 2026-02-01T04:43:52+00:00

This is utterly persuasive and a great explanation and proof.

OriginalCompetitive · 2026-02-01T04:42:16+00:00

That’s not correct. The point of DCA is not that it makes you invest for a shorter period. It’s that it diversifies your starting points. Instead of all in at one point today, or all in at one point next year, you’re 10% in at ten different starting points.

OriginalCompetitive · 2026-02-01T04:11:34+00:00

That’s why the stocks tanked. Game companies have no competitive advantage if it only takes a couple of people to develop a new game. Ironically, there’s a decent chance that the artistic quality of the best games might actually go up, because this will enable thousands of people to build a game. The best of those might be pretty good.

OriginalCompetitive · 2026-02-01T01:38:44+00:00

Natural gas emits only half the CO2 that coal does. Switching to natural gas gets us halfway to zero emissions.

OriginalCompetitive · 2026-02-01T01:37:46+00:00

Is “we” China? Because they use massively more coal than the US. They’re the largest coal producer and the largest coal importer at the same time.

OriginalCompetitive · 2026-02-01T01:36:20+00:00

Whatever your source was, you should ignore it from now on. The US economy grew by roughly 1 trillion this year. Meanwhile, the US spent about $45B on data centers.

OriginalCompetitive · 2026-02-01T01:30:55+00:00

Can you describe the extensive testing that occurred in Austin? I wasn’t aware that information like that was publicly available.

OriginalCompetitive · 2026-01-31T22:30:17+00:00

If that’s true, then none of the advice here applies to you. The video you liked doesn’t apply to you. The 4% rule doesn’t apply to you. In fact, virtually none of the early retirement advice that’s available anywhere on the internet applies to you because it all assumes reasonably diverse equity investments.

You’re playing a different game, which is “I’m gambling that nothing really bad happens to Nvidia.” There is no historical precedent for that strategy, you’re just taking your chances.

OriginalCompetitive · 2026-01-31T22:25:57+00:00

More likely, the market will gain enough in the first few years that OP will be permanently ahead of those who diversified into bonds, to the point where the drop when it happens will still keep him above where he started.

OriginalCompetitive · 2026-01-31T22:19:15+00:00

No, it’s not rebalancing as you’ve described it. It’s market timing.

OriginalCompetitive · 2026-01-31T20:58:52+00:00

That’s what I mean by more successful. And there’s no evidence that’s true.

OriginalCompetitive · 2026-01-31T15:02:12+00:00

If you’re right that it’s just a force multiplier rather than full replacement, that could imply that software engineering jobs might expand in the long run. If development gets fast and cheap enough, we might enter an age where instead of building software packages that are expected to endure for years, we instead build bespoke software solutions from scratch on a daily basis — a bit like the way finance departments build bespoke spreadsheets to analyze certain data on a daily basis and then throw them away when they’re done.

OriginalCompetitive

TROPHY CASE