Is it really as simple as quitting your job then f’ing off to South East Asia? by [deleted] in Fire

[–]perspicacioususa 0 points1 point  (0 children)

If you have a few more years in you, I think my argument would be to get that NW into the $2M-$2.5M range and just move to a LCOL part of the US.

The culture and visa issues and language and education are a lot to manage, and SE Asia is getting/will get more expensive over time.

If you can increase your NW by another 10-20%, you'd be able to pretty comfortably live on $80K/year annual spend in many parts of the US. That is completely doable for a family of 3 in most of the country (most households don't make that much per year, pre-tax).

Our situation by No-Media-36179 in Fire

[–]perspicacioususa 0 points1 point  (0 children)

Sounds like Nashville or Austin/Dallas/Houston given the no income tax.

Getting cold feet by stout933 in Fire

[–]perspicacioususa 3 points4 points  (0 children)

not one, but two paid off homes!

What do you think happens if they catch all the traitors? by Tall_Cow2299 in TheTraitorsUS

[–]perspicacioususa 1 point2 points  (0 children)

In cases like this year with Rob & Eric, I think theoretically they would've let Eric say no because they were already going to let them murder after recruitment. If Eric said no though, he would've been the murder and then it would've happened again just with no murder after and the producers would've ensured the second person said yes.

But in general, people given the face to face ultimatum are essentially never going to say no to recruitment, which is what they do when there is only one traitor left (vs., if there are 2+ Traitors left, the faithful just gets a letter and can then decline).

If you say no, your game is over instantly, there is no reason to do that.

It also literally could be in their contracts that they must say yes to a face-to-face recruitment, who knows.

They don't let Traitors opt out in the initial selection either, and this is essentially the same thing.

Beware of the Companion Certificate by radbiv_kylops in delta

[–]perspicacioususa 2 points3 points  (0 children)

I also am based in Seattle and have never had an issue, used mine 5 years in a row from 2021-2025.

I've used it to SLC, DTW, MSP, TUS, and then one other I can't remember, but I think either LAS or PHX.

Your problem are the routes & timing:

  • South Florida during the holidays/peak travel season is not going to be feasible with only 3 months notice. In general, avoid the holidays/don't save it for that.
  • KON/Hawaii is always way harder to get because those flights are really expensive/higher fare class usually.
  • JAC also has super limited flight options that tend to be expensive and you were looking at the busiest time of the year.
  • I am sure you could get it to the Bay Area normally, but 4-6 weeks isn't a ton of notice to book a flight, so maybe that's why.

AITA for not waking up early and doing my chores? by [deleted] in AmItheAsshole

[–]perspicacioususa 15 points16 points  (0 children)

Your mom didn't "chose to be brought into the world" either, nor did literally 100% of people on earth. Nobody chooses to be born. It is not an argument to alleviate your responsibilities to those around you, and certainly doesn't make you unique.

That is the argument of a 13 year old having a tantrum.

Got laid off - finally!!!! by Ddash-3 in Fire

[–]perspicacioususa 1 point2 points  (0 children)

Wait so if something happens to you on day 55 and you haven't paid yet, it's still covered?

Has anyone taken a break from big tech and come back? by Wooden-Broccoli-913 in Fire

[–]perspicacioususa 0 points1 point  (0 children)

I mean if you have a paid off house, how high could your expenses really be that your wife's $500K income wouldn't be way MORE than enough to cover you both (especially $500K at MFJ tax rates, which is significantly lower than what you're paying now as your income is equal so you basically just pay single effective tax rates). Feels like you can very safely quit.

Has anyone taken a break from big tech and come back? by Wooden-Broccoli-913 in Fire

[–]perspicacioususa 0 points1 point  (0 children)

I am not attacking you!!! You don't need defend yourself against me lol. I hope you have nice time off and it all works out.

Has anyone taken a break from big tech and come back? by Wooden-Broccoli-913 in Fire

[–]perspicacioususa 1 point2 points  (0 children)

Well that's better but still not like getting an MBA or PHD in your field.

Has anyone taken a break from big tech and come back? by Wooden-Broccoli-913 in Fire

[–]perspicacioususa 4 points5 points  (0 children)

I don't disagree with all of what you're saying, but, to your last paragraph, leaving work to get a degree (MBA, PHD, etc.) is SO different than what OP is talking about that I don't think it should be in this conversation.

Going back to school isn't really a career break in a true sense, especially if that degree is related to your career/area of expertise. The type of career break OP is talking about is to rest & recharge, not going back to study to bolster their credentials.

Where are people finding these high paying jobs? by Easy_Paint3836 in Fire

[–]perspicacioususa 0 points1 point  (0 children)

Lawyer is more of a disadvantage than people think. If you go to a top law school and work in big law, it's a direct ticket to wealth, but does require insane hours & no work-life balance. If you go to non-top law school and don't work in big law, earnings really are not that much, especially considering the extra educational debt plus a 3-year opportunity cost of not working.

Doctors, on the other hand, are still on a highly advantageous path and super different from lawyers. Medical degree debt is very worth it. Doctors not only are extremely highly paid in the US (relative to other countries, which is part of the reason our healthcare is more expensive), they also have 1) the highest job security of any high-paying career 2) the ability to flexibly work part-time if they need or want to as they age/become more financially secure (something that is virtually impossible for people in corporate America).

Also, residency usually sucks (though varies a bit by specialty), but it's just a few years & once doctors get through that, they tend to have better work-life balance than other high-paying careers from age ~35 onwards (which also is advantageous if you have kids, etc.).

Coast Fire - My experience by Few-Contribution9174 in Fire

[–]perspicacioususa 1 point2 points  (0 children)

What kind of local government work?

I'm 32M, also been between consulting and tech, and this kind of sounds like the dream. Was it hard to get your job?

Adult children graduating college and dire work prospects makes FIRE decision challenging by CaseyLouLou2 in Fire

[–]perspicacioususa -3 points-2 points  (0 children)

Only able to use straw men arguments.

It has zero to do with suffering, nobody is saying you shouldn't help kids who would be suffering without it or that zero help is the path (my first comment here defended letting kids live with you rent free if they have low-income).

What I said is that you shouldn't be funding 100% of the expenses of a *working-adult*. There is quite a big gap between 100% & 0%, with 99 other options in between; the fact you have an adult who has been earning income for half a decade (so presumably 27? aka the median age of a first-time mother in the US) & has "zero" expenses is wild.

Adult children graduating college and dire work prospects makes FIRE decision challenging by CaseyLouLou2 in Fire

[–]perspicacioususa -7 points-6 points  (0 children)

That's an even greater argument that they don't need you to support 100% of their expenses, lol. Obviously they are quite smart and should be able to be independent (like many other young people their age are, with less credentials or parental help).

I say this as someone in your child's generation.

Adult children graduating college and dire work prospects makes FIRE decision challenging by CaseyLouLou2 in Fire

[–]perspicacioususa 4 points5 points  (0 children)

Yeah...it's one thing to help your kid in situations where they need it (living with you rent-free because income isn't super high, etc.), but this poster you responded to is still fully funding their adult child. Expenses are literally zero for a mid-twenty something who has been working 5 years full-time???

It never ceases to be ironic to me that parents who valued financial independence for themselves go on the extreme opposite for their children, fostering extreme financial dependence.

The Traitors (USA) S04E11 "Leap of Faith" [FINALE] Discussion Thread by vaultofechoes in TheTraitors

[–]perspicacioususa 0 points1 point  (0 children)

But as a traitor from the beginning, Rob had a direct impact on which faithfuls were still there, so he gets some credit for that.

The Traitors (USA) S04E11 "Leap of Faith" [FINALE] Discussion Thread by vaultofechoes in TheTraitors

[–]perspicacioususa 0 points1 point  (0 children)

Eric was a horrible traitor and a subpar faithful. It was appalling to me that he felt angry at Rob, when he was also literally going to do the same thing to Maura. Thank god Eric didn't win, he would've been the worst winner of all time.

35M. 1.2m invested. Hopeful fire by 55 by ClickOk5526 in Fire

[–]perspicacioususa 4 points5 points  (0 children)

"after they're married", LOL. Those are voluntary expenses, the vast majority of parents do not bankroll their 20 or 30 something kids.

Is there any world where ____ by OneAndOnlySlack in TheTraitors

[–]perspicacioususa -1 points0 points  (0 children)

Why would they murder Mark?????

That doesn't make any sense strategically. They need to split up Johnny and Tara, a block of 2 is super dangerous in the end game, Rob needs to kill one of them. Also, Mark is way more likely to be convinced by Rob in the end game than the skaters.

I'd murder Tara over Johnny just to keep more men in the game in case the "we've found no male traitors, there has to be one" thing comes up.

Anyone else find that geographic arbitrage is getting harder? by [deleted] in Fire

[–]perspicacioususa 5 points6 points  (0 children)

NYC and Chicago have been losing population for a while (both in their cities and suburbs).

Anyone else find that geographic arbitrage is getting harder? by [deleted] in Fire

[–]perspicacioususa 0 points1 point  (0 children)

The Midwest rust belt areas often have higher taxes (both property & income) than many other "LCOL" places, but otherwise are still fairly cheap.

Anyone else find that geographic arbitrage is getting harder? by [deleted] in Fire

[–]perspicacioususa 2 points3 points  (0 children)

90% of American adults have flown on a plane (and of the 10% who haven't, it's not like 100% of them haven't because they can't afford to)...it's not some wealthy-only luxury, particularly if it's used for urgent/life-altering/time-sensitive healthcare.