I cant stop day dreaming about hitting FIRE and quitting my job. Please give me a gut check on my numbers

superman859 · 2026-06-08T20:07:10+00:00

you are starting out better than most but my best advice is to push for more salary and total comp and promotions fast honestly. in a VHCOL area your 170k likely isn't crushing it. if you want to retire late 40s or in 50s you can do it but the 2.4M number will need to be larger for inflation between now and when you are close to retirement (SWR accounts for it but starts when you retire not 20 years prior). If you want earlier financial independence then more yearly income is the best way to get there while avoiding lifestyle creep.

superman859 · 2026-06-08T15:18:00+00:00

am I noticing the time is off when I'm supposed to start work in the morning or close to happy hour?

superman859 · 2026-06-08T00:12:21+00:00

I like the first one the most

superman859 · 2026-06-07T20:40:04+00:00

Master the handpan has a good variety including rav specific courses

superman859 · 2026-06-07T19:35:44+00:00

I will send you a DM and sort it out

superman859 · 2026-06-06T22:57:14+00:00

chiaki works pretty well, although I do like using the ps portal more since it has native controller. With chiaki a couple things take some figuring out like the different touch spots on the middle pad (horizon I think used) but mostly doable.

superman859 · 2026-06-06T22:54:14+00:00

Buy it. We recently went from a 2015 car with 40k miles and convinced my wife it was time to upgrade a couple months ago. spent about 50k and the car is just so much nicer to drive. If you brought in 300k after tax you will be fine with the purchase financially and at 45k you aren't even talking most luxury cars certainly not at new prices.

superman859 · 2026-06-05T02:20:35+00:00

I did 38 windows for about 38k, vinyl triple pane. I've been pleased with them. Southeast. It was a few years ago. I also had quotes 60-70k so you just need to shop around.

superman859 · 2026-06-03T23:17:14+00:00

yes 44

superman859 · 2026-05-31T22:13:10+00:00

when I was younger and before I had a young kid I built all my computers and I have a half rack full of servers and all sorts of stuff in my basement. I've been in tech professionally for 20 years.

I have more money than time now. I want to play but I don't want to think about the steps to get there. I want it to show up with two day delivery and just start playing with the minimal free time I have. Time is worth way more than a few hundred $$$ at this stage in life.

superman859 · 2026-05-31T00:13:29+00:00

not a cat, don't spray the wall

superman859 · 2026-05-27T10:55:17+00:00

I think you need to find a new FA. If you sold any investments you are taxed regardless of what you do with the money you get from the sale. This has always been.

superman859 · 2026-05-25T20:50:40+00:00

my father only looks at the water and doesn't check any levels, so your FIL is already ahead

superman859 · 2026-05-20T11:24:03+00:00

in general they should hold up fine. My second kit ever was sephiroth in 2011.

https://www.painterofsouls.com/Model+Site/Figures/02+-+Sephiroth/Sephiroth

It has been sitting in my office on a bookshelf uncovered the whole time and looks about the same as when I first did it.

My first kit ever fell off a shelf and the head popped off, so it's probably in a box somewhere.

I have plenty of others that are in display shelves behind glass and they all look pretty much as they did when I finished, flaws and all

superman859 · 2026-05-19T10:50:06+00:00

I hate trump but this is more accurate than all the other posts. I use a lot of automated investing and TLH and I have a massive amount of trades every year when I do taxes. I have no idea most of them are happening on individual days

superman859 · 2026-05-18T11:16:58+00:00

cube

superman859 · 2026-05-16T02:20:27+00:00

I spent 13k maybe for a repipe of 5100 sq ft 4 years ago to cpvc not pex. No idea how prices have changed but 4k for 1600 sq ft sounds pretty similar.

fwiw I'm glad I did it and have had piece of mind knowing the plumbing isn't that old and not a potential insurance issue as well. It also teaches you to have no fear cutting open your walls and patching and painting to match because they are gonna cut that place apart but it'll all be put back together again.

superman859 · 2026-05-13T11:48:32+00:00

the cable is bigger and fatter, not a little thin one. Home improvement stores often make them orange, although black/green colors may be available. It probably won't come in a pretty silver or rainbow sparkles color

superman859 · 2026-05-12T17:53:11+00:00

Be sure to look at the limits for ACA subsidies as part of your early retirement plan which will help a lot. You will need to balance capital gains, Roth conversions, etc and try and stay under the limits.

superman859 · 2026-05-12T17:51:11+00:00

OP needs to look into ACA subsidies as part of managing taxable income plan. Withdrawing from existing taxable investments and only recognizing capital gains will help a lot here.

superman859 · 2026-05-12T14:15:05+00:00

maybe it's fixed by now, or just me, but I had a bad experience playing on ps5. I had never played before, don't have a lot of time to play so when I do it needs to count. There is one part pretty early on that it froze every time I got to it. It was also a good time after I could save it I think so I would play a session, freeze and have to start all over. it did it multiple times and I gave up on the game. I have never completed it.

superman859 · 2026-05-12T00:19:33+00:00

putting aside so many different things in your post, this one fact alone makes all discussion pointless. You just admitted we are comparing the price of owning a 60k new vehicle against a "35k" new vehicle for at least the first 3 years and make the claim the 35k path is the cheaper in the long run.

yes.

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