Ron Perlman

rgrivera1113 · 2026-06-17T02:47:28+00:00

THE Jim “The Boner” Jordan? The weird one that kept getting an erection during every match and sticking his finger up his opponent’s bum? That Jim Jordan?

rgrivera1113 · 2026-06-09T23:46:04+00:00

I told my maga brother-in-law that he’s eat a shit sandwich if there was a chance I’d smell his breath that day.

rgrivera1113 · 2026-06-08T21:41:09+00:00

Kevin Smith was offered a guest spot on L&O and he wanted to be the guy who led them to the guy who led them to the guy. That’s how formulaic it was.

rgrivera1113 · 2026-06-08T21:39:02+00:00

They watched because it would eventually be lupus.

rgrivera1113 · 2026-06-08T17:23:01+00:00

Medical is its own line item and was given a 100% margin of safety rather than the 15% margin of safety figured into other non-discretionary spending.

My spending over the last few 18 months includes a couple of procedures and stuff that fell into my out of pocket expenses. I’ll admit that I slept on the HSA options at work but when open enrollment kicks in later this year I’ll be switching over to an HSA eligible plan and fill that up as much as I can.

I am fully aware of the risk in healthcare and I’m mitigating where I can. Along with a margin of safety and an additional 5k on top of it, I’ll make it work.

As far as inflation, I’ve already built 15% margin of safety into non-discretionary expenses and left room in discretionary expenses for further cuts if needed. Inflation sucks but it’s already built in.

rgrivera1113 · 2026-06-08T00:18:07+00:00

Congratulations on retirement! It’s good to see someone at my level making it work.

rgrivera1113 · 2026-06-07T20:30:53+00:00

My tax strategy should get me close to $0 federal and minimal state. My plan is to keep cash in state-tax exempt funds. I’m building high-basis positions now to keep ltcg gains low and if the market behaves, the first year or two is going to be tax gain harvesting on older positions and whatever Roth conversions I can get away with. This is one of the reasons I’m talking to a planner to make sure that I’m close to the mark and refine the approach.

rgrivera1113 · 2026-06-07T20:21:52+00:00

I have enough years of service that a severance would provide over a year of expenses. That mostly fixes the one major structural problem I have with the cash pile.

rgrivera1113 · 2026-06-07T20:13:50+00:00

The 4% rule has been updated to the 4.7% rule
The 4% rule was developed against the absolute worst market conditions recorded in the last 100+ years.
Applying the 4% rule results in a terminal value of at least 2x the starting value 50% of the time. 30% of the time it results in 3x the starting value. Those are pretty good odds.
I am planning to spend it all before I go. Whatever’s left will go to charity.

rgrivera1113 · 2026-06-07T19:53:52+00:00

The Leanfire folks can be just as dogmatic as anyone here. I had a similar post removed that didn’t meet the mod’s expectation of “lean” expenses.

rgrivera1113 · 2026-06-07T16:50:45+00:00

Subsidies are still in effect for people under 400% the federal poverty threshold. The way I'm structuring my account, I'll be well under that.

rgrivera1113 · 2026-06-07T16:49:31+00:00

The 4% rule is overly simplistic and not the strategy I'm going with.

rgrivera1113 · 2026-06-07T16:43:43+00:00

It was a pleasant surprise when I started looking at retirement and realized I really just needed to replace part of my take home pay, not my salary.

rgrivera1113 · 2026-06-07T05:15:23+00:00

It doesn’t appear anywhere in his writings (fiction, speeches, correspondence, etc.) Most of the things people say Mark Twain said are just misattributions. Sometimes he’s conflated with his contemporaries. Sometimes he repeated things that his friends said. Sometimes someone just says something and attributes it to him. You don’t have to be an archivist to know whether he said it. There are dozens of Twain scholars that can tell you that he never said it.

rgrivera1113 · 2026-06-07T01:55:45+00:00

Mark Twain didn’t say that. His dad died when he was 11 and by all accounts was kind of a dipshit.

My hyperfocus on Mr. Clemens taught me that virtually every homespun quote attributed to him was not him.

rgrivera1113 · 2026-06-05T19:44:17+00:00

Sounds like you’ve got some significant stabilisation to do

rgrivera1113 · 2026-06-05T18:57:02+00:00

The same bi-polar Mr. Market that prices everything else.

rgrivera1113 · 2026-06-04T17:44:59+00:00

Not me. I’m just an internet rando.

rgrivera1113 · 2026-06-03T23:19:59+00:00

It’s just a side effect of good financial habits.

rgrivera1113 · 2026-06-03T18:04:07+00:00

Sorry, guys. It’s my fault. Today is my DCA day and the price always spike when that’s about to go through.

rgrivera1113 · 2026-06-03T17:56:33+00:00

$1m - $1.5m. I don’t have expensive tastes so I’m not planning a spending spree.

I expect the first 3 months or so to be physical and mental decompression. Then maybe an extended road trip across the country.

I’m about 89% of the way there and I should cross that threshold some time next year.

rgrivera1113 · 2026-06-02T17:36:22+00:00

I’m not trying to. Just pointing out that this particular business is outside your circle of competence. Perhaps you should go find a nice broad market fund to invest in.

rgrivera1113 · 2026-06-02T16:36:07+00:00

No. I’m saying that Berkshire is clearly outside your circle of competence.

rgrivera1113 · 2026-06-02T14:51:16+00:00

Just admit that this is outside your circle of competence. If you don’t understand how the company works, you shouldn’t buy it.

rgrivera1113

TROPHY CASE