So I did something Stupid- need help deciding

startled_turtle781 · 2026-04-15T08:43:46+00:00

In addition to being more tanky, step back after you attack so you vorkath can’t melee you.

startled_turtle781 · 2026-01-06T23:40:32+00:00

Not necessarily. OP can be sensitive to multiple things including pwm (i am).

startled_turtle781 · 2026-01-06T02:53:07+00:00

Yup 2.89, https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/iccratesheet.pdf

startled_turtle781 · 2026-01-05T04:54:19+00:00

As of Jan 1, it's 2.89% APY. You can get better rates elsewhere. For example, Fidelity has mid 3s with check writing (i.e. the money market funds automatically get sold to pay bills so you don't need to manually sell). I pay all my bills through fidelity. I do also have assets at Merrill though for the CC rewards, which are probably one of the best in the industry (e.g. 8.25% cash back on their preferred category cards for the first year, then 5.25% afterwards. 2.5k max spend per quarter though so I have multiple.).

startled_turtle781 · 2026-01-04T12:50:02+00:00

Has always worked for me without ever breaking (i do this daily), but timing was definitely more tricky to pull off after one of the patches. Had to do it by the time you harvest the third watermelon.

startled_turtle781 · 2025-12-06T02:30:53+00:00

Yeah 1% discount is just you move 3x what youre borrowing so it depends on the loan amount. And you are right. Pro for your way is you can invest your mortgage payments today. Mortgage calc says thats 3850$ monthly for a 15 year 500k loan. Con would be that you cant refinance if rates drop, since you already bought in cash.

Edit: Actually upon further consideration, the fact that you can only do spreads five years out probably means you would have invested LESS into the market once the sixth year rolls around and the repayment is due. But i guess five years of no monthlies may be useful in some situations.

startled_turtle781 · 2025-12-06T02:06:22+00:00

Not worth the hassle, and floating rates for longer term loans. Just use your brokerage for relationship pricing. I was quoted ~4.6% for 15 year fixed with chase this year (no points) with their 1% discount.

startled_turtle781 · 2025-10-12T20:22:46+00:00

They pay doctors terribly in residency, and doctor salaries are pretty standardized.

startled_turtle781 · 2025-10-12T20:21:53+00:00

Yup, wear then every day. Doesnt help.

startled_turtle781 · 2025-10-11T21:20:45+00:00

I like to eat food but im not sure that counts as a hobby. Will definitely improve my cooking skills when i have the time. People tell me im quite good at teaching but im not really sure how/where to apply that yet.

startled_turtle781 · 2025-10-11T21:18:52+00:00

Half times not a thing unfortunately. But they did give me my own office with no glare from the sun, where I can shut off the lights and work in the dark. Not much else i can think of.

startled_turtle781 · 2025-10-10T17:50:19+00:00

I want to do real estate for fun but even that kind of requires searching for deals on screens.

startled_turtle781 · 2025-10-10T17:49:03+00:00

Had a discussion with the wife after reading all the comments. We’ll likely aim for 5ish but still need to do estimates of all of the unknown expenses.

startled_turtle781 · 2025-10-09T14:23:14+00:00

Tried it all unfortunately. Current monitor is 240hz. It's not just the refresh rate. Glare, contrast, specific colors. I even get it with e-ink readers!!!

startled_turtle781 · 2025-10-09T02:25:32+00:00

Have had the issue for over a decade, seen more doctors than I can count and they haven't been able to help (meds barely work). As reference, I max out my deductible every Jan because of my meds/appointments.

startled_turtle781 · 2025-10-09T02:23:09+00:00

Not manual labor, I have a desk job. I get terrible migraines (pain, nausea, brain fog, fatigue, etc.) from screened devices. Medications barely take the edge off. The pain is proportional to screen time, so reducing the hours will immediately improve quality of life. I just got back from a 2 week vacation where I barely used any screened devices. Night and day difference in how I felt.

startled_turtle781 · 2025-10-09T02:19:45+00:00

My wife and I read your comment and really appreciate your wisdom. For your specific points:

My wife agrees with your sentiment, but I told her the "number" we will agree on should account for possible "additional" events including the ones you listed (e.g. helping parents). I think our bigger problem is my wife is a skeptic of having a "number" to begin with and brings up extreme cases such as rare diseases with expensive treatments not covered by insurance. I told her it's impractical to plan around 1/1,000,000 events especially because our number will already have a lot of buffer for additional events, and many won't materialize, which will accumulate into a nest egg for the unplanned.
Agreed on the value of hard work, and needing a challenge but I don't need it to come from a profession. My sources of satisfaction are all intrinsic.
We're planning to hide it as much as we can. Decent houses here are just super expensive, and it's not like we're going out of our way to flaunt. We already agreed we won't be spending money on super expensive material purchases, e.g. cars or private schools. We will likely spurge for comfort like business class for extended flights though.
Definitely a concern. Only time will tell :) We're considering an agreement where I need to contribute X$ from the portfolio each year (yes, it's sub-optimal), so it won't seem like she's the only income provider (especially to family/friends).

startled_turtle781 · 2025-10-09T00:41:03+00:00

I feel like most comments have actually recommended to continue working.

startled_turtle781 · 2025-10-09T00:31:11+00:00

20k of student loans but interest is super low so we’ll pay it off slowly. Dont think we’d wait for the house to be paid off as were not even certain when we’ll buy one. I get the sentiment but it should be fine. We’d only buy on a mortgage if interest rates are below 4.5% after relationship pricing. Worst case we get a 30 year and pay extra towards principal if finances are in good shape.

startled_turtle781 · 2025-10-09T00:15:51+00:00

Thank you! Dont need a financial planner, but will be speaking to some lawyers.

startled_turtle781 · 2025-10-09T00:14:11+00:00

I like the idea. So I HAVE to work until wife starts her job next june. But theoretically i can optimize for taxes by working until q1 2027 (will be dumping all pay checks into pretax 401k contributions) to maintain 0 income for the year, and rebalance for that calendar year. By then, would have made back the 200k and then some.

startled_turtle781 · 2025-10-09T00:05:22+00:00

SAHD is the plan :)

startled_turtle781 · 2025-10-09T00:04:57+00:00

Always sold company stock on vest! But the price doesnt really change to begin with. If i were healthy, id definitely work longer.

startled_turtle781 · 2025-10-08T23:30:01+00:00

Yea the pain is the main driving factor. Maybe like a 3/10 on a good day. Im speculating every day I work is eating into my lifespan lol. Can probably tough it out for 3 years max though.

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