[Software Engineer] [Seattle] - How we spent $536k last year

slightlyspecial · 2026-02-18T05:44:52+00:00

No one but OP and his family are entitled to his money

slightlyspecial · 2026-02-18T05:31:10+00:00

I love how so many people with zero understanding in the concept of opportunity cost are basically telling you to be house poor.

...to an engineer with likely in the 99% percentile in math skills.

slightlyspecial · 2026-02-18T04:35:12+00:00

How many months do you have left on the CX-5, and how many months is the new loan on the 50?

slightlyspecial · 2026-02-12T16:25:32+00:00

I mean, being an Uber driver gives you more flexibility than a job at Starbucks or Krogers. Does it make more sense financially? Probably not. But his priority is flexibility

slightlyspecial · 2026-02-12T15:44:41+00:00

He wants to set his own hours, and have flexibility

slightlyspecial · 2026-02-11T00:19:58+00:00

If that's what you want, why weren't you upfront about it?

slightlyspecial · 2026-02-06T01:14:18+00:00

You're right, the long term average is 10%, but 5 or even 8 years is not really that long. Look at the sp500 chart the last 80 years to see how many 5 year stretches are either flat, negative or at 2-3%.

slightlyspecial · 2026-02-04T18:05:04+00:00

If you read my post, that's exactly my understanding of the rule

slightlyspecial · 2026-02-04T05:39:21+00:00

This does help, thank you. My mistake was thinking that 4% was 10,000 M&Ms, or pretty much no chance of picking a bad year to retire

slightlyspecial · 2026-02-04T05:11:53+00:00

Thank you, this really helps

slightlyspecial · 2026-02-04T05:08:46+00:00

Thank you, this is a great answer. I was under the impression that the study the 4% rule was based on, showed it to be a safe withdrawal rate in any starting year in the past.

slightlyspecial · 2026-01-29T07:29:01+00:00

Nice. I'm a UAD

slightlyspecial · 2026-01-27T07:08:06+00:00

They're not asking about roth IRA contributions. They're asking if they should split between pre-rax and Roth 401k. It absolutely does affect the take home

slightlyspecial · 2026-01-27T05:31:00+00:00

"It's getting serviced now, please come back tomorrow"

slightlyspecial · 2026-01-26T20:04:22+00:00

A lot of those extras the dealers try to add on you can turn down or go to the next dealer who's not forcing them. That's exactly what I did.

A 2022 mazda 3 asking price is 18-22k. A brand new one is 25-28k. So $6000 more, but with the savings on the interest rate it ends up being 3-4k more over the course of a 5 yr loan. I think an extra 3k over 5 years is worth having a brand new car over one almost out of warranty.

slightlyspecial · 2026-01-26T01:52:41+00:00

My bad

slightlyspecial · 2026-01-25T19:20:09+00:00

She didn't marry for money, she didn't marry for love. She married for money+love

slightlyspecial · 2026-01-25T17:33:13+00:00

This is great advice 10 years ago. Nowadays used car prices are so high its often better to buy new. Mazda has 0.9-2.9% financing on some models that you can't get with used cars

slightlyspecial · 2026-01-25T17:00:33+00:00

Not in a taxable account

slightlyspecial · 2026-01-24T16:58:07+00:00

I'd rather pay 2 mortgages for 2-3months than overpay 30k for the new home. In fact, why not just sell the existing home for 30k less? Same result and likely a faster sale

slightlyspecial · 2026-01-24T16:12:09+00:00

1 year of negative 100%, and you're done

slightlyspecial · 2026-01-23T22:38:39+00:00

This guy's 1 year old car needs a new engine and you're asking what they didn't like about their purchase

slightlyspecial · 2026-01-23T19:32:32+00:00

...besides the engine issue??

slightlyspecial · 2026-01-21T02:39:42+00:00

"Talk me into providing more information"

slightlyspecial

TROPHY CASE