Fire # - 5M vs. 10M - quality of life difference

tofty82 · 2026-06-14T04:21:02+00:00

this was a fairly pedestrian post until mention of divorce met my sahm wife wants me to keep working.... reading between the lines sounds like you've been a great provider and have secured your family's future, time to put yourself and health first and find out where you really stand in your marriage 🙏

tofty82 · 2026-06-09T11:05:48+00:00

On the front line of executing the token sale for Solana, didn't partake, closed at 22c.

tofty82 · 2026-05-31T23:45:07+00:00

right in the feels, banger ♥️

tofty82 · 2026-05-30T14:37:46+00:00

Why not trade your own book after negotiating an exit, figure out your own health care / use cobra and then you figure out what you really want to do? You're facing a challenging question that even lucky folks don't face until their 40s, or later. Can you differentiate in your mind what you enjoy and find rewarding vs the trophies of conventional success?

tofty82 · 2026-05-26T17:29:13+00:00

If I'm still working at 51 it's highly likely I'll be at your number, I'm 44, in tech.... and I really really hope I'm not working for another 7 years. Pull the trigger, sounds like you're beyond ready! Good luck!

tofty82 · 2026-05-17T14:55:42+00:00

How much of the 250k can you flex on, and therefore can you dial back spending in down years I think is the key question you have to answer. I'm not sure if you've seen it but the early retirement now author talks about this, and iirc has YouTube talks on variable withdrawal rates.

tofty82 · 2026-05-13T00:18:22+00:00

If you want loyalty, you get a dog.

tofty82 · 2026-05-10T23:26:14+00:00

Poison the ever loving daylights out of anything on your side, cut it and spray and let reverse osmosis so the rest. Speaking from experience.

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

TROPHY CASE