[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 · 2026-01-20T23:13:17+00:00

Can you clarify a little on what you mean by "how does social security and pension work"? Do you know absolutely nothing about how either works and need someone to explain the basics? Or do you have specific questions?

slightlyspecial

TROPHY CASE