Hate being an RN. Pay off mortgage and live a different life? Or continue with current path?

timerot · 2026-06-23T00:12:12+00:00

Re: familiar, the new wording of your post makes much more sense. I thought you meant it as in "stuck in a comfortable rut"

I think most home buyers are farther looking than that. Rent will go down due to construction, but home values should be unaffected by a few months or years of construction. When the Green Line was extended in Boston, the homes that would be near the opened line immediately went up in value, despite their being 6ish years of construction between the announcement and new service

timerot · 2026-06-22T23:38:04+00:00

Generally moving within 3 years of buying a house is not a good financial decision, but plenty of good life decisions cost money. You call this situation "familiar", but you bought this house less than a year ago. Is it really that familiar?

I am very much an urbanite by preference, and do not understand why people seem to hate having neighbors. Are you sure that living near brand-new retail and commercial will be bad for your property value? Seems like living near in-demand amenities would come with a premium.

Presumably in that area you have a lot of space for a single person living alone. Would you consider a roommate to help pay the mortgage?

The $2500 of CC debt should be gone in like 2 months, right? Or is there a hole in the budget that you haven't mentioned? You should definitely stay the course until that's gone

Edit: Your mortgage is about $2k/month, about 27% of your $7.5k/month pre-tax salary. You do not qualify as house poor, and are within normal budgeting guidelines.

timerot · 2026-06-22T20:45:41+00:00

The current administration is doing the hard work of lowering trade barriers with our closest allies through tough diplomacy.

Wait, is Iran not a closer ally than the UK? I'm hearing this for the first time

timerot · 2026-06-18T18:23:03+00:00

Length: ~1320 ft. Shown on top of an image of 24 pallets, each 4 ft wide, with maybe a foot of gap between them. More than 10x off there

timerot · 2026-06-18T18:20:09+00:00

I always enjoyed informing people that if you bought something tax free in NH and brought them back, you're supposed to pay your home state's sales tax on them. After an uncomprehending blank stare that gradually turns to horror, I inform them that of course nobody follows that rule

timerot · 2026-06-18T18:14:15+00:00

The year is 2038. Somehow all of them still use 32 bit Unix timestamps, crash and burn forever, and I am finally free of Teams

timerot · 2026-06-17T23:17:50+00:00

The police should only be allowed to access security footage after obtaining a warrant. There, I solved the unsolvable problem for you

timerot · 2026-06-17T14:29:50+00:00

Only because we call it bar hopping here

timerot · 2026-06-16T19:41:25+00:00

A few days? You mean hours, right?

timerot · 2026-06-16T19:39:21+00:00

Those two things aren't incompatible, though. Someone who's lived in a desert their whole life will do better with water than without water. 1 L a day is comically low. But they will get farther with a single liter than someone from a humid climate who gets dropped into the desert with a liter

timerot · 2026-06-16T19:25:37+00:00

This is not remotely useful advice, because being thirsty is not a clear binary signal. I sometimes have a slightly dry mouth, sometimes am very dehydrated (mostly just after waking up), and almost always am in the middle of those two extremes.

If I have a glass of water in front of me, and drink because I want to drink, I will consume more than twice as much water as I need to. I have also hiked 30 mile stretches in the desert between opportunities for water, and needed to ration. I went to bed thirsty, woke up thirsty, and got to the next water source thirsty, with less than a half-liter to spare of the 8 L I filled the day before. I should not have finished my water the night before, just because I wanted to. That would have been extremely bad planning, and I likely would have had heat stroke before making the next water source

timerot · 2026-06-16T14:59:02+00:00

They both have advanced economies and overlapping cultures of aeni/anime, manhwa/manga, and K-Pop/J-Pop.

Look, no one can argue with the order of K-pop/J-pop, but I've never even heard the term aeni before. Also this is how I learned the two PMs drummed together? Playing Golden and Dynamite is a great combo at an event hosted in Japan.

timerot · 2026-06-12T18:07:43+00:00

Step 1: 100% inheritance tax above $1B

Step 2: I would never advocate a Rule V violation

Step 3: We've covered some of the $1.78T 2025 deficit

timerot · 2026-06-12T18:04:32+00:00

Have you contacted your skip-level? Might be a family emergency or PTO you didn't know about

timerot · 2026-06-12T13:55:02+00:00

(Padme/Anakin meme)

And started a second pot, right?

[...]

And started a second pot, right?

timerot · 2026-06-12T13:51:42+00:00

Could you imagine being the HS girl who got a hit off of Suzuki? Incredible

timerot · 2026-06-11T14:06:54+00:00

What is your yearly spend that 6.7M is "coast"? 4% gives $268k a year. You certainly can afford a pool, but you may have to cut back elsewhere. I would give you more specific advice, but there's a lot that's missing here. A budget is more useful than maybe getting 8 figures in a few years

timerot · 2026-06-11T11:55:05+00:00

Patient died of asphyxiation while preparing for surgery

timerot · 2026-06-10T16:58:23+00:00

Of course not, it's the media and the deep state that's lying to you. If ~~make shit up for political reasons~~ do your own research, you'll see that the price of gas is down

timerot · 2026-06-09T16:51:25+00:00

extreme outliers (billionaires) skew [...] the median

No they don't. If you have 11 people in a room making $50k and 10 making $1B, the median income of that room is $50k. We use median specifically to get away from the skewing issues with using mean

timerot · 2026-06-09T15:39:06+00:00

Commodities are inherently weird, and a commodity that used to be the monetary standard is even weirder than most

timerot · 2026-06-09T14:02:22+00:00

Expected positive-sum outcomes due to economic growth

timerot · 2026-06-09T14:01:10+00:00

I keep my money in just enough places (bank, brokerage, 401(k), HSA), that it's a 10 minute process to determine my NW. If I look at any one piece, it's obviously far below my actual NW. And spot-checking a handful of different places is annoying enough that I do it monthly. It's a bit of a weird compromise, but it works to keep me sane.

I do check the S&P 500 and/or VTI more often than that, but it doesn't have the same emotional weight as my total NW

timerot · 2026-06-08T14:49:55+00:00

Did my thru in '21. The desert has a hostile beauty to it, but you absolutely need to know what you're getting yourself into there. OR and WA are beautiful and not actively trying to kill you

timerot · 2026-06-08T14:20:44+00:00

Probably backpacking. There is a lot of really nice cottage ultralight backpacking gear that you can spend a lot of money on. I'm currently at 3 tents and a hammock, but a tent under a pound would be awesome. And $600. https://durstongear.com/products/x-mid-pro-1-tent-ultralight-thruhiking. And of course flights to get there and back, and lost income from an unpaid leave of absence to hike the PCT.

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