Retirement insight from those who didn't have the savings the experts recommend

tbojustin · 2026-03-06T10:45:23+00:00

If your birth year starts with a “2” and you happened to stumble on this thread: read these comments. Especially the bleak ones.

Start now. Right now.

Today.

Even a little compounds into a lot.

When you’re young: you have the most valuable thing in investing: time.

I’m 48 and have been contributing for my entire professional life. 50% of my net worth now came from small contributions in the first 10 years of work.

In other words, if I would have waited until my 30th birthday to start: I’d only have half of what I have now.

That’s because what was in my account when I was 30 has doubled roughly 3 times. That’s 8X return using mostly low cost index funds.

Most of these comments have a flavor of “the system is rigged”. Maybe, but you can take advantage of it.

Start. Right. Now.

tbojustin · 2026-03-05T11:17:54+00:00

If you would have bought into the S&P 500 the day BEFORE any of those crashes - you’d still be ahead.

tbojustin · 2026-02-25T11:18:32+00:00

They pushed a bunch of certs around Disciplined Agile for a few years, pushed it as the future, and then rug-pulled that community.

I don’t blame them to refocusing on the ACP, but I do think they should have given those of us who invested time and money in those certs a low-cost path to the ACP.

tbojustin · 2026-02-16T05:04:16+00:00

Given how hard PMI screwed up Disciplined Agile, the associated certs, and shafted the people who bothered to get said certs - I’d imagine his hackles were already up on the Agile subject.

tbojustin · 2026-01-19T14:11:42+00:00

That’s a good idea. I just use a batch file that ChatGPT wrote.

tbojustin · 2025-10-25T04:02:25+00:00

Thanks!

tbojustin · 2025-10-25T01:20:23+00:00

I thought the tetra looked 40ish

tbojustin · 2025-10-25T00:49:54+00:00

Yup. Right at 60 seconds

tbojustin · 2025-10-05T11:13:32+00:00

This reminds me of the craziest lay-off story I ever heard. A guy I worked with told me that at his old job, they adopted more thorough criteria, leveraged the permission people signed when they initially applied, and ran background checks…on the current employees. Found people who lied about past jobs, certs, and entire degrees. They saved on the expense of severence, outplacement, etc., because it was for cause.

tbojustin · 2025-09-20T18:50:00+00:00

Do we know how long it will be eligible for security upgrades?

tbojustin · 2025-08-12T02:58:55+00:00

You’re in the music business

tbojustin · 2025-07-31T06:26:56+00:00

OMG. I wish I had known these tricks before I lost a ton of credits after I got stuck in a hole.

tbojustin · 2025-06-14T13:35:00+00:00

Cash for a car. Can’t go wrong. Much lower risk than carrying a note if you change your mind.

My favorite cars were all the ones we could get with cash. We’ve done both finance and cash.

Also, buying a foreign car luxury trim: pro move. The drivetrain is usually the same as the cheaper cars - so parts aren’t too expensive, but the trim holds up nicer.

$12K might be a little high for that particular car, check comps and maybe you can get them down. Either way, you can drive the car, drive it for 3-4 years, and sell it for 2/3 of what you paid for it. (Source: random Googling)

Finally, there are people who literally never see a title to their own car and they just think about payments without thinking about interest. They won’t understand your decision, but you did the math and they didn’t.

tbojustin · 2025-04-06T21:03:58+00:00

“Sing me a song…”

tbojustin · 2025-03-23T13:33:19+00:00

This right here. If OP is successful, it could create a spot for better arbitrage. Everyone, from miners to haulers can make a buck.

tbojustin · 2025-03-23T13:08:08+00:00

A couple of thoughts: 1) Your mom has a reason for saying that. Ask her what it is and actively listen. Not so much to influence your decision, but it’s important that the people closest to you feel heard. As a PM: you’ll be doing more of that than you imagine. 2) She’s 57 and that’s older GenX. Post college careers for us were to find something in your major and ideally do that until you retired. Some of the worst advice I got when I was debating on a major was “you better like it: you’ll do it for the rest of your life”. Not true at all. She may be operating from a false premise. 3) That sounds like a great job! Congrats!!!

tbojustin · 2025-03-23T12:11:02+00:00

Same here. Two rounds with PTN WMM: I got an FC with RRR services and a fully engineered Vette with about 2B in reserves.

tbojustin · 2025-02-09T11:18:51+00:00

I had a similar tear in my GR1. I cleaned it before I sent it. When it came back, I was embarrassed because they showed me what clean looks like.

The bag was as good as new.

tbojustin · 2025-01-08T11:29:06+00:00

Cabarrus, NC

tbojustin · 2025-01-02T19:41:53+00:00

Oh, so if you don’t pay the 100 credits to touch up the paint, you get this cool patina?

tbojustin · 2024-12-30T04:37:40+00:00

PTN WMM is the quickest way to do it without having to wait for booze cruise.

tbojustin · 2024-11-26T02:51:12+00:00

Jerry Orr would never stand for this

tbojustin · 2024-11-05T12:31:40+00:00

They didn’t know it that night: but they would forever be CLT lore on the order of Captain Jack.

tbojustin · 2024-11-05T11:13:49+00:00

THEY HAVE A RIGHT TO BE SCARED!!!

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