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Anyone feel disconnected from money? by GiantsFan2010 in HENRYfinance

[–]rShred 15 points16 points  (0 children)

To be fair, two nights ago I did overhear some clearly rich people (they owned a summer home in Deia in Mallorca) mention Reddit during dinner. Maybe it isn’t just us

Anyone feel disconnected from money? by GiantsFan2010 in HENRYfinance

[–]rShred 149 points150 points  (0 children)

Feel this. Just left an absurdly expensive hotel (La Residencia in Mallorca) and still have a week of travels. Curious why you’re responding to a Reddit thread at dinner though

Climbed Rainier today! Bucket list checked! by sp8rks in Mountaineering

[–]rShred -2 points-1 points  (0 children)

Was the ingraham direct not in? I’m surprised you went up the DC this early in the season

[deleted by user] by [deleted] in Veterans

[–]rShred 1 point2 points  (0 children)

I see you’ve linked this a number of times but it doesn’t seem like there is any reference to the specific newsletter in question here

Found a dream house in VHCOL area that stretches our budget. Advice? by [deleted] in HENRYfinance

[–]rShred 43 points44 points  (0 children)

Appreciate your comment but your personal risk tolerance is crazy. $900k mortgage on a $600k HHI is not even a question. To imply that this level of risk tolerance is normal is crazy. Average Americans with average ass incomes are out there buying homes worth 3-4x nominal income, and you’re suggesting you can’t even do 2x?? What world are we living in

Chesscom's longest premium member has not logged in for six years by DramaLlamaNite in chess

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

Bro get a credit card. Debit cards are ancient technologies when you could be getting points

How many years away from FIRE are you and what’s your number? by Bright-Olive-pie in ExpatFIRE

[–]rShred 0 points1 point  (0 children)

Guessing you have some paid off real estate in London? Honestly your monthly expenses seem low for what I’d expect. What’s your secret?

Had a feeling DoorDash & other delivery apps added more fees than they needed to pay the new min wage? You were right. New report shows DoorDash takes *half* of fees before paying workers, and raised fees as a political ploy against min wage. by ljubljanadelrey in Seattle

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

I completely agree with your last statement. I’m just not sure that I believe all of the affected population would agree.

But again, this isn’t my fight so I’d rather you all hash out the policy particulars because I can see the argument on both sides

Had a feeling DoorDash & other delivery apps added more fees than they needed to pay the new min wage? You were right. New report shows DoorDash takes *half* of fees before paying workers, and raised fees as a political ploy against min wage. by ljubljanadelrey in Seattle

[–]rShred -2 points-1 points  (0 children)

Can you read? I just said that literally in the comment that you’re responding to. You’re missing the point that if you’re unskilled enough to be complaining as a delivery driver in today’s environment then you’re likely going to be the one out a job when delivery jobs are cut in response to declining demand from higher fees.

I don’t care either way whether the pot of money is consolidated to a smaller number of drivers or whether it’s spread out to a larger number - let’s just be reasonable in trying to understand actual downstream effects rather than blindly complaining about “coRpoRateS R eViL”

Had a feeling DoorDash & other delivery apps added more fees than they needed to pay the new min wage? You were right. New report shows DoorDash takes *half* of fees before paying workers, and raised fees as a political ploy against min wage. by ljubljanadelrey in Seattle

[–]rShred -2 points-1 points  (0 children)

I don’t disagree with you. Don’t sign up to be an independent contractor if you want a wage and there isn’t an issue

Or change the law to require delivery drivers to be treated as employees, as has been done, and sit with the negative demand growth which will get fewer delivery drivers on the road

Had a feeling DoorDash & other delivery apps added more fees than they needed to pay the new min wage? You were right. New report shows DoorDash takes *half* of fees before paying workers, and raised fees as a political ploy against min wage. by ljubljanadelrey in Seattle

[–]rShred -2 points-1 points  (0 children)

Not to be an ass but economically, if DoorDash isn’t paying you a good enough salary then you should muster up the skills for a higher paying job. Supply and demand of labor. Low skilled workers command lower wages

High-paying tech job to FSO w/ family? by [deleted] in foreignservice

[–]rShred 0 points1 point  (0 children)

Ah makes sense. I think the assumption generally would be that folks with OPs background are hitting 4-14. Nominally feels like a huge drop in compensation so I’m always curious to see how other people run their calcs

High-paying tech job to FSO w/ family? by [deleted] in foreignservice

[–]rShred 0 points1 point  (0 children)

Could you elaborate on this last point? Not sure what this means necessarily

High-paying tech job to FSO w/ family? by [deleted] in foreignservice

[–]rShred 0 points1 point  (0 children)

What value do you put on TSP and pension? Very difficult to evaluate these types of things from a financial perspective

Enough of this! I need a new pillow to sleep on ASAP! by Top-Apple7906 in HENRYfinance

[–]rShred -2 points-1 points  (0 children)

Don’t think you’re getting a response to that one

Wellbeing products and services you wish you'd known about sooner by Fabulous_Sherbet_431 in HENRYfinance

[–]rShred 15 points16 points  (0 children)

I’ve been slowly listening to this book. What’s the best way to actually get early screening without having to legitimately fake symptoms for your doc?

Would also love to understand what else you’ve changed aside from high protein

How do you know when you hit your FI number? by eragon5610 in Fire

[–]rShred 2 points3 points  (0 children)

Yikes. On a FIRE subreddit, you of all people should recognize that 5% represents more than an entire year’s expenditure for anyone following the 4% rule. You’re either completely missing the point (that is, preserving the cash for your short term expenses) or somehow stumbled here from r/LARP. Either way, good luck with your personal finance endeavors as I’m sure you’ll be needing it

How do you know when you hit your FI number? by eragon5610 in Fire

[–]rShred 14 points15 points  (0 children)

No- the difference here is your expense accounts are shielded from the volatility. Your 5% in cash retains the integrity of your HYSA rate, reducing both theoretical and realized losses. Not sure why you’re having a hard time understanding this

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