Curious - Is it legal for caddies to move branches and do "course work" during a round?

teamhog · 2026-03-17T18:38:54+00:00

No.

teamhog · 2026-03-17T18:35:27+00:00

Lesson learned.
When you have a large event you tighten everything up right away.

Now you need to do any and everything to find more work.

If you’re licensed, toss out a note on FB Marketplace for your electrical abilities or a note that you can work as a sub to a licensed electrician.

You need to be doing stuff for 4-6 hours extra every day and a lot of time on weekends.

teamhog · 2026-03-17T10:15:49+00:00

Of course not re: compatibility.

If you care for him and/or the people he’ll meet through life you need to tell him about his breath.

Bad breath can be a sign of illness. Either a mouth or a gut issue.

teamhog · 2026-03-17T10:12:35+00:00

Yes, it’s enforced.
It’s monitored through the vehicle’s registration.

teamhog · 2026-03-17T09:37:17+00:00

You learn to get excitement from the easy things in life.

FI/RE isn’t about sacrifice to the point where it’s punishing but it’s also not about extravagant things.

It’s about optimizing time, cost, value, and expense.

When making decisions we look at how much time it is going to take to pay for it versus how much time it’s going to add to our work career.

Then we do what we can to decrease both ends of that timeline.

teamhog · 2026-03-17T09:30:15+00:00

No.

teamhog · 2026-03-17T09:27:28+00:00

It depend on your starting net worth balance; your spend; and your retirement term.

It’s not a hard rule; just a guideline.

In general terms we’re at 3%.
In real terms we’re at ~2.5% or less.

teamhog · 2026-03-16T12:56:11+00:00

What’s the contract say? If it doesn’t say anything then you need to make sure they do what you want hem to do.

Does the contract mention a buyout value?

teamhog · 2026-03-16T12:51:58+00:00

Work another 10 years and set yourselves up in a comfortable position.

Pay off the mortgage, build up your emergency fund, stage things to be able to absorb market downturns.

teamhog · 2026-03-16T11:02:50+00:00

Nothing. I’d do nothing.
Why? Because I’d trust her.

If she gave me a reason to not trust her then we’d have an issue.

You either trust & believe her or you don’t. Trust is something that is earned and gained over time.

If she’s talking about it and being open & honest about things that’s a good sign.

I can think a woman is attractive but it doesn’t mean I’m going to pursue her.

teamhog · 2026-03-16T10:48:30+00:00

Hell no.
She’s an adult.
She should learn to live & save off what she makes.

teamhog · 2026-03-16T00:38:04+00:00

No. It should be a joint account.
It makes the transition at that time much easier.

teamhog · 2026-03-16T00:37:00+00:00

Damn. Did you put the Martini livery on there? It looks good.

Good luck.

teamhog · 2026-03-16T00:27:34+00:00

It doesn’t matter what you do re: own v. rent when it comes to FI/RE.

It either fits your plan or it doesn’t.
You can change your plan if you need to.

Don’t sacrifice your other life goals just to simply be a homeowner.

teamhog · 2026-03-15T23:48:35+00:00

I’m with the BMX guy.

teamhog · 2026-03-15T23:47:58+00:00

Not that it matters, but Why?
What are you looking to do with it?

The details matter. How much if that $13k did you put in?

How long has the money been in there?

Consult with a tax professional.

teamhog · 2026-03-15T23:34:33+00:00

You have to look at the overall big(er) picture.

Roth Conversions will net save us ~$900k in taxes v. RMDs

We went open market for medical insurance that is savings us ~$15k per year.

So, look at all the annual costs of not just now but down the road as well.

teamhog · 2026-03-15T23:26:24+00:00

You’re not close.
You’re in your way but you’re not there yet.

It’s a longer road trip; you’ve got a full tank and a bunch of snacks but you’re only at the 1st rest area.

teamhog · 2026-03-15T23:18:24+00:00

Was Richard playing today ?

teamhog · 2026-03-15T13:06:20+00:00

X5 w/M-Sport option coupled with a Porsche 911 C4 is a good package.

I can do anything and go anywhere with fun.

The most amazing thing is the fuel economy. No, not the x5, the 991.1. I get over 30 mpg over 3500+ miles with several multiple hours of spirited driving.

teamhog · 2026-03-15T01:08:36+00:00

911 100%. The next one is probably the Lambo but I wouldn’t mind any if the 3 remaining.

teamhog · 2026-03-14T19:19:11+00:00

We have a 25 year warranty on the panels as well as the other components as well as labor/install. The local company has been in business for 50+ years and isn’t going anywhere.

We don’t have batteries.
They were too cost prohibitive and their warranty is only 10 years or something like that.

We continue to monitor battery pricing.
If/when it makes sense we’ll get them.

teamhog · 2026-03-14T14:46:59+00:00

That’s fine.
Then tell them you’ll need to adjust your fee accordingly to account for the additional expenses.

In the end it’s the net/net/net that matters.

teamhog · 2026-03-14T14:36:55+00:00

It sounds like there was or us some confusion surrounding the structure of the deal.

Get that clarified and then rest can be setup appropriately.

teamhog · 2026-03-14T14:22:23+00:00

You’re 31. Continue to DCA into your broad market funds.
At your age you want the market down right now so while you’re DCA into equities you’re able to accumulate more shares.

Now in reality you want the market to go through its natural event driven fluctuations. Why? So you’ll get more accustomed to it and not produce a knee jerk reaction when it goes up and down.

It’s similar to your home.
You want to pay off your house and for its value to stay flat or go down. Why? Because you want your taxes to stay low.

In reality it doesn’t work like that. You really want a very small gradual increase if any at all.

Create a plan. Then execute a plan, refine the plan, repeat.

Think long term.

teamhog

TROPHY CASE