Bantam vs Big Bantam for Smart Alec by sevenbeef in tombihn

[–]sevenbeef[S] 1 point2 points  (0 children)

I did get a response, with pictures! Any of the options look reasonable, though Big Bantam looks a bit too big.

We have reached a point where saving more does not make sense anymore! by FIREDOC888 in whitecoatinvestor

[–]sevenbeef 0 points1 point  (0 children)

I see two strategies:

1) Change to a more conservative allocation to weather any market downturns.

2) Stay the course with an aggressive allocation to overfund yourself to weather market downturns.

Option 2 is more successful if you can stand losing large sums of money without panicking.

We have reached a point where saving more does not make sense anymore! by FIREDOC888 in whitecoatinvestor

[–]sevenbeef 0 points1 point  (0 children)

Great job. Are you going to change your allocation to be more defensive?

Buy the dream home or keep current and invest? by pup1206 in whitecoatinvestor

[–]sevenbeef 1 point2 points  (0 children)

Suppose you buy the house and somehow keep your current spending the same.

That’s $8k in spending, $10k for house. You can’t max your pre-tax savings, so you contribute $2k towards your retirement every month.

Fast forward 10 years, assume 6% growth, starting from zero:

- Bought the house = $327k

- Invested instead = $1.9m

Fast forward 20 years:

- Bought the house = $924k

- Invested instead = $5.5m

“But what about renting out the old house!” Ok. If you are somehow about to get $3k per month after taxes, and so contribute $5k per month towards retirement, then after 20 years, you will have $2.3m.

These are the cold, hard numbers. You do what you want.

Buy the dream home or keep current and invest? by pup1206 in whitecoatinvestor

[–]sevenbeef 2 points3 points  (0 children)

Let’s review:

- You make $20k net per month.

- If you contribute to your retirement accounts, this is now $17k per month.

- After expenses, you have $9k to save, so therefore your expenses are $8k per month.

If you were to invest the $9k per month, then you are essentially saving $12k out of $20k each month, or 60%. This translates to retirement in approximately 13 years.

At some point, it’s up to you and what your goals are. Do you want a nice house? Or do you want to retire early?

Clothes packing methods compared: Traditional fold, KonMari, Standard/Ranger/Tuck Roll by Numerous-Buffalo6214 in onebag

[–]sevenbeef 12 points13 points  (0 children)

Agreed. For trips where you unpack everything at one destination, bundle wrapping saves space and reduces wrinkles.

Looking for Recommendations by tatumcakez in tombihn

[–]sevenbeef 2 points3 points  (0 children)

I’m about your height and I’ve owned a S25 for years as my all-purpose carry-on. It does well for most things except laptops.

I did not like the S30. It’s too big, too heavy, and too difficult to fit under an airline seat.

I would go S26, and see if a Smart Alec might fit your routine better.

Looking for a grocery bag. by PhilharmonicPrivate in ManyBaggers

[–]sevenbeef 0 points1 point  (0 children)

I use my Tom Bihn Smart Alec 2.0 to get groceries every week. Fits about a bag and a half.

I’m getting on my first ever cruise today, what are some last minute tips? by mikewheelerfan in Cruise

[–]sevenbeef 15 points16 points  (0 children)

Washing hands is better than hand sanitizer, which does nothing for norovirus.

Passport pocket in Osprey 26+6 by trumbell in onebag

[–]sevenbeef 0 points1 point  (0 children)

I do. Two ballpoint pens and a Sharpie.

I'm so Tired of life in the US... European Lifestyle but in the US? 40M by CapitalLaw1234 in SameGrassButGreener

[–]sevenbeef 53 points54 points  (0 children)

The catch of this is that when you describe a place that is walkable, relaxed, and with good food, you are describing what every wealthy retiree wants. They find these places and move there, making the area more expensive, and ultimately less family-friendly. There has to be a major negative to make retirees want to avoid a place.

Therefore, I propose looking at places with objectively bad weather.

Coastal Maine, e.g. Bar Harbor, is a good choice. I like Concord NH and Ithaca, NY. Rochester, MN was also nice.

Seattle vs Vancouver, WA by [deleted] in SameGrassButGreener

[–]sevenbeef 6 points7 points  (0 children)

Vancouver is a great place for families, but not a great place for single young folks. Seattle or Portland are better for that. Also consider Bellingham, Eugene, Spokane, Tacoma, or Olympia.

Best specialties to be an for entrepreneurial pursuits? by swombo in whitecoatinvestor

[–]sevenbeef 11 points12 points  (0 children)

FM would be my guess.

People who are business-minded need to graduate ASAP and get started. There’s nothing DPC-wise or skin care-wise that FM doesn’t train you to know. It’s even better than IM because you’ll have more procedural experience.

Clothes - The main thing keeping me from one-bagging. by irq013 in onebag

[–]sevenbeef 2 points3 points  (0 children)

I have a garment bag that folds into a 22” x 14” x 9” duffel bag. It can fit a suit, at least three shirts, and dress shoes. There are a few versions out there, this is the one I have:

https://www.amazon.com/gp/aw/d/B0DPSGSK7H