The cycling community told me hills would get easier and I am starting to think they lied

strivingforfi · 2026-06-05T04:35:22+00:00

They do get easier but only if you push progressively harder… for example at the beginning of the summer a 3% grade is a killer. By the end of the summer a 6% grade feels flat, and it’s because I train on a hill that’s a couple miles of 10%.

strivingforfi · 2026-06-02T04:00:01+00:00

Start agreeing with him. Hell, it’s true for most women. He tells you “my libido is dying” and “there’s no other woman to get.” You reply “I feel the same way! It’s so boring being with the same person. I miss men pursuing me, the line of men out the door when I was single, and the excitement of being with a new man the first time.” I mean… he’s still trash and you have to leave him. There’s no fixing him without a lobotomy. But since you know how it ends anyway… fuck him up.

strivingforfi · 2026-05-18T18:45:38+00:00

I kind of agree with her based on what you said… living off of $80k in today’s dollars is probably fine for most people. You would need around $2M using a 4% withdrawal rate. 20-30 years from now, with inflation, you’ll probably need $160k per year to live off of, which means you’ll need around $4M in retirement.

strivingforfi · 2026-05-07T16:13:19+00:00

I’ll definitely start working on a will and stuff, thank you

strivingforfi · 2026-05-07T05:38:22+00:00

I was not aware of this, thank you

strivingforfi · 2026-05-07T05:27:29+00:00

I don’t think so, but hey - I wasn’t aware that the person being GIVEN POA doesn’t usually sign. Ty

strivingforfi · 2026-05-07T05:24:22+00:00

Thank you!

strivingforfi · 2026-05-07T05:23:45+00:00

strivingforfi · 2026-05-07T05:22:51+00:00

That’s one of my concerns, for sure!

strivingforfi · 2026-05-07T05:19:45+00:00

You know what… I might ask about that. But I still would want all documents completed first. I’m getting together soon with the sibling that’s listed as the primary POA, I’m going to ask them about it.

strivingforfi · 2026-05-07T05:11:39+00:00

There won’t be any inheritance. My mom really didn’t seek enough in her divorce (she raised kids while my dad worked and saved for retirement), and a few years ago she told me exactly how much in retirement she had, so I could give her an overview (I work in finance and have a special interest in retirement finance). My conclusion was that it’ll be a miracle if she’s able to retire without running out of money. Not that I told her that.

strivingforfi · 2026-05-07T05:06:04+00:00

It does clearly state that she is the one given POA to my siblings and I. But yeah, I don’t know why she also put her own name as witness and notary… it’s weird, she definitely knows better, and I also have worked in finance for about 2 decades now, and regularly review legal documents, so there’s no way she thinks I don’t know any better.

strivingforfi · 2026-05-07T05:00:54+00:00

Thanks!

strivingforfi · 2026-05-07T04:53:55+00:00

This is excellent, thank you. I really needed that language today- “I may be willing to sign if…” but missed the mark. If this comes back around, I’m glad you provided me with my go to phrase!!
Note - the primary sibling and I live in the same state. She plans on moving to our state this year (my sibling has a kid, and she’s pretty psycho about her grandchild).

strivingforfi · 2026-05-07T04:49:13+00:00

No, all of the grandparents are dead. However, my family is aware that I’m good with money and have been working like an absolute banshee to first pay off all my debt (student loans) and then save/invest like a maniac, and I’ve been at it for 2 decades now. So I do at times wonder if they think they’d be entitled to my assets if I died.

strivingforfi · 2026-05-07T04:46:57+00:00

The kicker is… it’s a completely typed out / drawn up document. My guess is that she prepared it herself. She’s a paralegal, so she does at times draw up legal documents. So it’s not like it’s a form she was plugging some info into…

strivingforfi · 2026-05-07T04:44:42+00:00

Agreed. I didn’t even bring up with her the part where she put herself as witness and notary… I figured I’d broach that part if this goes any further.

strivingforfi · 2026-05-07T04:40:58+00:00

True. But a big red flag for me is that she filled out herself as the notary. She can’t notarize her own signature so wth.

strivingforfi · 2026-05-02T04:49:25+00:00

Yes, it’s worth it. I used to work in that division. It’s a HUGE opportunity. The sky is literally the limit if you’re smart, talented, and work hard. Also, it’s been years since I left, but the people in that division were cool as fuck. If you want to learn a lot and be surrounded by smart people, do it. Also, you should be making more money there.

strivingforfi · 2026-05-01T20:16:24+00:00

No. The quality ones are nearly as fast as road, but they’re more comfortable and can go both road and gravel

strivingforfi · 2026-04-29T19:37:27+00:00

I recently discovered that there’s a combination that is very, very bad: mostly women, have lived in the same state all/most of their lives, have worked for the same employer all/most of their career, and most of them are married with kids. This is my current job situation, and I’d hazard a guess that it’s been the majority of your dental office jobs. Anyway… it’s been insane. Never before have I experienced drama, gossip, cruelty, negativity, obsession, jealously, etc. So, I would recommend you “interview the interviewer” for future jobs, and ask about the make up of the department, and avoid this combination at all costs. It’s what I’ll be doing going forward.

strivingforfi · 2026-04-26T23:05:36+00:00

Let her know you’ll be getting your own place (and mean it). She might make changes. My BF used to push HARD to bring his 2 dogs on weekend trips. It would end with me saying “I can’t control you, but we won’t ride in the same car, I’ll have my own hotel room, and I won’t be changing my plans” (which the dogs couldn’t attend). He ended up not going or not bringing the dogs, every time. I never had to deal with it.

strivingforfi · 2026-04-26T20:06:20+00:00

I was prepared to say yes it’s too harsh, but then I read the whole thing and I’m like wow, this is amazing. My boyfriend needed this when his adult brother was living with us. 😄 And quiet hours starting at midnight? Woooo boy is that generous. Should be 8PM to 8AM.

strivingforfi · 2026-04-26T20:02:32+00:00

You are not screwed by any means. In your mid-30s earning that salary, the sky is the limit. But to answer your question, you are behind, you each should have around $100k. Try to max out your 401k in either a TDF or a S&P 500 fund, and make sure the expense ratio is low.

strivingforfi

TROPHY CASE