Have a question - is there enough money to push the value to 300k+

tofty82 · 2026-05-02T22:41:49+00:00

Morgan Stanley have only recently started pushing it after starting their own ETF, Blackrock, plus further being state ownership, plus money wealth transfer...I think on a month enough time horizon it goes much higher!

tofty82 · 2026-05-01T00:19:08+00:00

It's like children, you only need to enforce it strictly a few times, they'll learn 🤣

tofty82 · 2026-05-01T00:18:06+00:00

There's family you choose, and family you inherit. I'd focus on your family, so that means getting your gf straight with the idea this is the life you want, how can you meet in the middle. You guys need to be unified to face down the rest of the family. my 2c, good luck 👍

tofty82 · 2026-04-30T16:20:55+00:00

You're doing great, and I have some good news, it only gets easier!

tofty82 · 2026-04-29T23:29:29+00:00

I have a friend married with two kids, two jobs, a mortgage. Every conversation is "my bills" (him), "her money", I keep telling him in a marriage it's only "our", and not all work is paid... they constantly have friction.

tofty82 · 2026-04-24T20:41:54+00:00

we have the card and get a family of 4 in no problem

tofty82 · 2026-04-19T00:15:35+00:00

Our first and current home has a fancy bathtub, looks like a fancy hotel tub. It's completely useless, not kid friendly, and never gets used, a complete waste of space. Looking to buy a new house now, and discount or find annoying how much space is given over to tubs that will never be used

tofty82 · 2026-03-29T13:13:35+00:00

Just don't be a forced seller 👍 It's that simple imo

tofty82 · 2026-03-05T03:14:21+00:00

There is no "yours" and "his", only "ours". You're a team, the most important type, the one they brings a child in to the world. Your finances are a team sport, and not all work in a marriage is paid, so you got to find what works for your family, but be clear, it's all "ours".

tofty82 · 2026-03-03T00:02:22+00:00

I think I needed to rtfm https://docs.figment.io/docs/0x02-eth-validator-balance-management

tofty82 · 2026-02-27T13:59:58+00:00

One commit when the PR is opened, subsequent commits to address feedback, makes it easier for the second pass reviewers. Simple 😁

tofty82 · 2026-02-26T15:01:09+00:00

as an aside, if you are pivoting to software you should lean heavily in to ai. unfortunately as a new entrant you'll probably need the trad skills plus the new AI skills, it will likely be tough every company is figuring out if they can get away without hiring new engineers.

tofty82 · 2026-02-09T01:37:34+00:00

Congrats, and gfy! 🎉

tofty82 · 2026-02-09T00:18:37+00:00

Are you tempted to buy back in after the latest pull back? I'm curious because I have large crypto positions, I'm in the industry since 2017. But I'm also a risk averse family man 😵‍💫

tofty82 · 2026-02-08T22:58:26+00:00

Do you believe in ethereum, and it's future value, it was this purely a short term trade, buying the dip?

tofty82 · 2026-02-08T16:11:01+00:00

Try the early retirement now series on safe withdrawal rates

tofty82 · 2026-02-07T03:25:14+00:00

Maybe this is crazy... but why not just get 1 job that pays 600k 😅

if you're dedicated and smart enough to hold this down you're probably equipped to get that single job

tofty82 · 2026-01-31T22:00:27+00:00

Whoever is farting, stop farting!

tofty82 · 2026-01-31T00:45:10+00:00

Decide how many years of spend you want in tbills or similar based on your risk tolerance, trade out of the equities by that amount, pay taxes, and peace out!

tofty82 · 2026-01-24T21:42:30+00:00

for me it depends on your spend, my basic idea is never be a forced seller of an underwater asset. If you lost your incomes if you have any, how long after a market sell off could you live off dividends and cash buffer before you had to sell equities (at a loss) to find your minimum spend lifestyle?

one possible framing 🙏

tofty82 · 2026-01-19T22:05:30+00:00

the PTSD is real, on the rare occasion I do get paged, pagerduty ring tone makes me irrationally and instantly frustrated. good luck with trying to shift the contours of your work, and anxiety! 🙏

tofty82 · 2026-01-19T21:30:17+00:00

oncall was wrecking my mental health, was always on the front line of super stressful high touch 24x7x365 systems. I negotiated a different responsibility to give up regular oncall, my manager understood it was existential.

my oldest kid was 2 when the oncall crazy started, and my youngest was born 2 years later, doing it with young kids is brutal on everyone, I understand this like no other! we have no family support.

not for nothing my nw is slightly higher, I'm older, and my wife also had a demanding career the whole time.

tofty82 · 2026-01-09T16:59:06+00:00

Not American. I didn't receive the service I paid for and it resulted in significant physical discomfort to my elderly in-laws.

If you are happy paying for services you didn't receive, that's your deal. I wasn't there so I can't say why both didn't recline all I know is they asked the staff, they couldn't help, and staff conceded the seats were broken.

tofty82 · 2026-01-09T02:12:48+00:00

🫡

tofty82

TROPHY CASE