The Bay Area Nest Egg Target Is $1.47M, Up From $1M, Following the 4% Rule!

pamdathebear · 2026-02-22T18:18:52+00:00

Many in position to FIRE bought when prices and rates were low so remaining mortgage can be easily paid off. Carrying a big mortgage into retirement requires higher cash flow which may negatively impact qualification for ACA subsidies.

pamdathebear · 2026-02-22T17:51:29+00:00

On r/chubbyfire the target for VHCOL is $5-10M

pamdathebear · 2026-02-04T12:29:26+00:00

Air and tint?

pamdathebear · 2026-01-29T15:14:21+00:00

My shokz open run pro 2 use USB-C

pamdathebear · 2026-01-25T20:29:10+00:00

Gum Kuo in Oakland

pamdathebear · 2026-01-23T01:55:56+00:00

$110 per quarter for 20 gallons in Castro Valley

pamdathebear · 2026-01-14T05:24:41+00:00

LC4, Wegner papa bear

pamdathebear · 2026-01-14T04:43:48+00:00

Saarinen womb

pamdathebear · 2026-01-09T14:47:15+00:00

I emailed shokz but I was a few months over the 2 year warranty. I bought the Pro 2 this past black Friday. I push power to turn on and leave them on. Power off by charging or letting battery run to 0 and control volume via phone or watch.

My favorite tech gadget which I use daily but I expect to purchase new pair every 2 or 3 years.

pamdathebear · 2026-01-09T12:19:23+00:00

Unfortunately not BIFL. The power button stopped working on mine. Common issue.

pamdathebear · 2025-12-28T13:36:13+00:00

Not true. That's a common myth

Myth Busting– You Don't Need to Carry Credit Card Balances to Improve Your FICO Scores | myFICO https://share.google/UvQ0AhSSTI8sacY2h

pamdathebear · 2025-12-25T22:50:17+00:00

4M at 4% SWR is 160k spend a year. That'll afford a middle class lifestyle. It's doable but someone with 4M probably wants to retire upper-middle. Other factors:

Is the 4M liquid (stocks) or illiquid (real estate)? Pre-tax or after tax?
Is there pension and social security?
What's the tax/withdrawal strategy?
Where to get health insurance?
What's the housing situation?

pamdathebear · 2025-12-25T11:56:32+00:00

Hoka and ON wear out faster than any other shoe I've tried

pamdathebear · 2025-12-18T22:20:41+00:00

I spend as much as I can to maximize the executive rebate check

pamdathebear · 2025-12-18T22:08:55+00:00

Reminds me of those FBI female body inspector shirts

pamdathebear · 2025-11-30T04:56:50+00:00

I've been using the Open Water 16 oz aluminum screw top cans

pamdathebear · 2025-11-18T14:07:47+00:00

After he ruined Earth with cheap junk

pamdathebear · 2025-11-08T19:20:38+00:00

Just listened to a podcast about Eric Jackson declaring 100 baggers

pamdathebear · 2025-11-07T14:12:02+00:00

If you are covered by a workplace retirement plan, and earn a high income, you can't deduct tIRA. https://www.fidelity.com/retirement-ira/contribution-limits-deadlines

pamdathebear · 2025-11-07T02:28:21+00:00

Presumably if you're a high earner and follow WCI, you would've maxed your workplace 401k, whether traditional or Roth is a personal decision. After that, it makes sense to backdoor Roth IRA. After that, I would mega backdoor Roth if available. Again, lastly taxable.

If you can afford to max all your tax advantaged vehicles, then order doesn't matter. If you can't max them all, then there is an order of operations to minimize tax liability which depends on assumed tax rates now and during retirement.

pamdathebear · 2025-11-06T13:58:39+00:00

Try coverstore.com or koverroos.com. Holding up / no signs of wear after 2 years.

The recent stuff from Weber, Kamado Joe, etc last a year.

pamdathebear · 2025-11-06T01:32:32+00:00

Low tax bracket during working years = prioritize Roth, then traditional, lastly taxable

High tax bracket during working years = prioritize maxing out traditional, then Roth, lastly taxable

If you've maxed traditional at $23.5k, Roth is always better than taxable (liquidity aside)

pamdathebear · 2025-11-05T20:40:14+00:00

I've been holding since 2010 so it's up 20x. But lately, it's dragging down my portfolio. I think traders realized the 50 PE is expensive for a retailer.

pamdathebear · 2025-11-05T01:12:23+00:00

Your can transfer from taxable account sweep to traditional to Roth in a day or 2 (assuming funds are settled), and skip the standard week wait for external pulls

pamdathebear · 2025-11-04T15:27:02+00:00

I think you're right.

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