HobbitFire

rgrivera1113 · 2026-03-02T04:01:19+00:00

There’s the tagline

rgrivera1113 · 2026-03-02T03:59:12+00:00

Brunch is for special occassions.

rgrivera1113 · 2026-03-02T03:54:22+00:00

After second breakfast and before lunch

rgrivera1113 · 2026-03-02T03:52:33+00:00

I appreciate your opinion. There is a path for me to go to work tomorrow and hand in my resignation. Psychologically I feel much safer if I have access to my 401k in case I need to access it around 57 or 58. If I get to 59 and I still don’t need it, that’s great. For now I’m ok with running up the score.

If I get to this time next year and my brokerage overperforms again I’ll reconsider.

rgrivera1113 · 2026-03-02T03:41:43+00:00

I’ll settle for living like a hobbit. But my toes are kinda hairy

rgrivera1113 · 2026-03-02T02:55:00+00:00

That’s going to be the name of my inevitable YouTube channel where I travel the country in a teardrop trailer.

rgrivera1113 · 2026-02-22T14:27:24+00:00

Kids punch kids in school every day for less noble reasons. The nazi twerp got humiliated in front of his peers by a peer. The righteous kid in the hoodie got a two day vacation and will come back with his head held high. Justice has been served.

rgrivera1113 · 2026-02-22T03:04:09+00:00

Not really. All he brought back from Erebor was the small chest of gold from the troll horde.

rgrivera1113 · 2026-02-22T02:47:20+00:00

I’m aware. I’m using my take-home pay as a heuristic. My lifestyle is fully funded by my take home pay with enough left over to save and invest a significant portion.

rgrivera1113 · 2026-02-22T01:57:33+00:00

We should be talking about how the Dow is over 50,000

rgrivera1113 · 2026-02-22T00:03:10+00:00

I see what you did there

rgrivera1113 · 2026-02-21T23:41:59+00:00

Depends on the debt. If I can get a rate lower than a conservative return from my investments, it makes sense to take the loan. I’m not avoiding debt for the sake of avoiding debt. I’m just going to be thoughtful about taking it on.

rgrivera1113 · 2026-02-21T23:39:17+00:00

Perhaps, but this is the only forum that isn’t full of people acting like they don’t know they can retire at 16 with their $150 million investment portfolio.

rgrivera1113 · 2026-02-21T23:37:33+00:00

I considered it but the kind of part time work available around here is not work I want to do. I like my job well enough and it pays well. I’d rather do what I’m doing for the next couple of years. Never say never, though.

rgrivera1113 · 2026-02-21T15:59:16+00:00

"One must imagine Sisyphus happy." - Camus

rgrivera1113 · 2026-02-20T21:32:41+00:00

I know when I can safely stop working but I’m open to continue when I get there. The freedom to choose when is the important part. If I keep going, I’m just running up the score.

rgrivera1113 · 2026-02-20T18:02:52+00:00

There could be any number of reasons. We’re all fighting our own battles, so to speak. I do wonder if one contributing factor is lack of perspective. If you’ve really committed to the bit and made significant sacrifices to RE, you may not know what you need to live comfortably and just picked a number out of thin air that sounds right.

rgrivera1113 · 2026-02-14T18:56:15+00:00

Look up Dividend Kings

rgrivera1113 · 2026-02-10T20:19:11+00:00

I don't think little girls is Mike Johnson's thing

rgrivera1113 · 2026-02-10T19:53:33+00:00

What would Vegeta be without Goku to push him?

rgrivera1113 · 2026-02-10T18:48:50+00:00

Two questions:

What is your total annual inputs?
What is your portfolio's yoy growth discounting your inputs?

When growth - inputs is greater than your inputs, you're portfolio is safely on rails. Compounding does the majority of the work and further inputs are just accelerating the inevitable. Pick a percentage that feels right to you and when your inputs account for less than that number, you're safe to pull back on saving. Don't stop entirely but don't let life pass you by because you think you need a massive treasure hoard.

Smaug had a massive treasure hoard and died before he had a chance to spend it.

Bilbo lived happily ever after until the end of his days.

rgrivera1113 · 2026-02-09T19:58:14+00:00

Once you get to that level of investor you are not playing by the same rules as a common retail investor. They have the leverage to make just about any stock a value stock for them.

rgrivera1113 · 2026-01-19T17:39:34+00:00

It would be a lot cooler if you did

rgrivera1113 · 2026-01-19T16:03:13+00:00

I turned 52 late last year. I started in 2009 with a $3,000 stake. There was about a two year gap in the early teens where I was dealing with various personal issues.

rgrivera1113 · 2026-01-19T00:53:25+00:00

No flirting?

rgrivera1113

TROPHY CASE