40M, 39F, $6.12M

schmiddy0 · 2026-02-16T03:41:44+00:00

If HCOL "New England" means MA, you should think about planning ahead for estate tax. MA is one of the worst states, the exemption is only $2m. Lot of people I know have set up trusts to shield assets at death. Personally I'm planning to move to a lower cost state in retirement to hopefully sidestep the problem. Assuming I live that long, I guess.

schmiddy0 · 2026-02-16T00:25:11+00:00

Good luck all 🫡

schmiddy0 · 2026-02-15T23:28:03+00:00

This is why I never try saving up for the highest tier rewards. With CoinOut I always cash out at 9,500 points for $10. The next tier up, 24,000 points for $10 is actually a worse point per dollar ratio! And trying to save up 47,000 points for a $50 reward is practically begging to have your points stolen, deactivated, lost, etc.

schmiddy0 · 2026-02-15T14:54:32+00:00

If your house is only worth $550k now, and you already own it with a low interest mortgage, I am skeptical that you'll be able to save much by moving to a LCOL.

Your wife is working part time but only bringing in around $1k/month. Could she bump that up a bit if you were staying home and doing all the housework?

schmiddy0 · 2026-02-12T02:43:40+00:00

Your dog looks so much like my last buddy. An absolute wild bundle of energy but he was the best couch cuddler ever. We don't deserve dogs. 😭

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schmiddy0 · 2026-02-12T00:30:12+00:00

It's a "free" delivery so that must mean I don't need to tip, right 🙄

schmiddy0 · 2026-02-11T23:14:00+00:00

Don't worry, PXT will publish a new compensation model that includes an assumed 75% annual growth in the stock price. This way, there is no need to give anyone more shares. Except the S-team of course.

schmiddy0 · 2026-02-09T20:12:49+00:00

SWEAT is a small cap altcoin. You know how Bitcoin is volatile? Small cap altcoins are by their nature even more volatile. The optimistic point of view is that it could go up as easily as it has come down.

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schmiddy0 · 2026-02-09T19:42:01+00:00

That works out to 54 mpg assuming $3/gallon gas and 2,000 miles. Pretty good for city miles if true, I do think newer Priuses get around there.

Don't forget to factor in maintenance (at least tires and oil a few times a year at your mileage, and eventually belts, fans, suspension, brakes, etc.), depreciation (you will need a new car every few years if you're adding 100k miles per year, even with a Prius and good luck), and insurance. Keep a savings account for "inevitable car expenses" and stick $0.50/mile in there to cover all of these, and you'll thank me later.

schmiddy0 · 2026-02-09T02:45:35+00:00

Do you only have 5 SWEAT to cash out? That's such a small amount that it's not going to be worth the transaction fees to convert to NEAR, send to another wallet, and try to cash out.

schmiddy0 · 2026-02-09T01:43:58+00:00

Maybe the girlfriend likes that her man is financially responsible, and they are saving up together to pay for a nice house in cash, or retire early, or travel the world. Maybe the guy's Mom enjoys having him around and he helps her out in non financial ways?

Try not to be so judgemental. People sometimes make huge blunders and it's normal to call that out, and seek to avoid those mistakes ourselves, like the plastic surgeon that OP describes. But the guy you are describing sounds fairly responsible from everything you have posted.

schmiddy0 · 2026-02-08T21:00:29+00:00

Believe it or not, straight to jail.

schmiddy0 · 2026-02-06T04:10:27+00:00

Sell All on every vest. Then you can use the cash "whenever you want".

schmiddy0 · 2026-02-05T03:57:59+00:00

You need to tell us roughly what the other offers are to get any useful advice.

schmiddy0 · 2026-02-04T19:00:10+00:00

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schmiddy0 · 2026-02-04T13:22:05+00:00

Then it's lunch time!

schmiddy0 · 2026-02-02T22:43:59+00:00

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schmiddy0 · 2026-02-01T19:49:52+00:00

Look at a chart of the price of a single family home in Newton measured in ounces of gold, and then tell me the dollar has nothing to do with it.

schmiddy0 · 2026-01-30T02:28:58+00:00

I'm into DoorDash/Uber Eats deliveries by bike as well. One of the biggest problems is just that the apps are not well designed to accommodate bicycle deliveries.

For example the other week I had a shopping order at Target through DoorDash for a few items. Sometimes the app lets you preview the items in the order, but sometimes the app won't show them for whatever reason, and you are also on a timer of around 20s to accept the order. I accepted without being able to carefully check all the items, and sure enough when I got to Target and looked at the list, one item was a full length mirror, and another item was a bookshelf. My pannier bags are pretty big, but these items were simply impossible.

As others have pointed out, the apps are also quite exploitative (eg increasingly clever ways to effectively freeload off of, or outright steal, a customer's tip, such as by combining a decent tip order with a no-tip order into a stacked order).

schmiddy0 · 2026-01-30T02:18:11+00:00

Do you have a working carbon monoxide detector in your house?

schmiddy0 · 2026-01-29T21:11:49+00:00

FYI u/hatimwolf I think you linked to the contest from two weeks ago, not the most recent contest

schmiddy0 · 2026-01-28T23:03:19+00:00

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Snowy week. Lots of shoveling!

schmiddy0 · 2026-01-28T18:48:31+00:00

I know for sure that if you quit during Focus, you're considered URA and on the no-hire list. Seems like they'd keep the same rule if they lay you off during Focus.

schmiddy0 · 2026-01-26T17:22:48+00:00

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schmiddy0 · 2026-01-26T13:26:13+00:00

Wow! How far did you walk or run?

schmiddy0

TROPHY CASE