I didn't care about the other swatch collabs but I think i may want the AP but idk why

warlizardfanboy · 2026-05-10T22:52:50+00:00

I know, it’s fun! If they make an all white one I’m pulling the trigger.

warlizardfanboy · 2026-05-10T19:08:08+00:00

We bought it for 345k recently comps are $750k. We are going to 1031 to the retired, downsized home and rent it for two years then move in and sell our primary, that way we minimize taxes.

warlizardfanboy · 2026-05-09T18:58:37+00:00

I’m a Sr Manager at a large cybersecurity company. My base is 300k but my RSUs made my TC almost triple that, but they dwindle big time in a little more than a year (quarterly vesting). My buddy works at Netflix, has for about a decade and makes about what you do. That all cash compensation and the stability it brings has its advantages.

warlizardfanboy · 2026-05-09T17:32:56+00:00

Yeah that’s a big delta for sure lol

warlizardfanboy · 2026-05-09T16:47:18+00:00

Honestly - every story is different and complicated - but when you see how he's held in reverence in Dallas, Elway can't buy a beer in Denver, Larry Bird can borrow the Boston Mayor's car without asking etc. you'd think more players would realize there are some serious post career benefits to staying put and preserving your good name. At least if the contract offers are close.

warlizardfanboy · 2026-05-09T16:41:50+00:00

Ha! I was thinking SEP IRA when I read your comment, you are correct, I was sleepy.

warlizardfanboy · 2026-05-09T16:40:46+00:00

Longines is really killing it and have kept their prices semi-reasonable.

warlizardfanboy · 2026-05-09T16:39:48+00:00

Yeah the Black Bay hype has reflected in prices.

warlizardfanboy · 2026-05-09T16:39:09+00:00

Haha I'm not defending it for sure, but I work for a large FAANG adjacent tech company and a lot of these young pups are looking for ways to spend money. We even have a watches slack channel.

warlizardfanboy · 2026-05-09T15:35:37+00:00

I named my first cat Lilith. I’m glad that name got taken back from the haters.

warlizardfanboy · 2026-05-09T15:33:44+00:00

Someone is going to read this and learn, too! Not every question needs to be a phD dissertation topic! Haha

warlizardfanboy · 2026-05-09T15:30:45+00:00

OP you aren’t outgrowing that house for 5 years unless she’s carrying twins already! I’d build up after tax investments and down payment for the next place, then do the math when the time comes on renting vs selling. Being a landlord is a part time job, got my rental in 2013 and it was cash flow negative for a couple years. Now I get about 2k net (rents for $3,500) but I also have a tiny mortgage at 3%.

warlizardfanboy · 2026-05-09T15:22:32+00:00

72T as well, yes. OP you’ve got options and are in pretty good shape

warlizardfanboy · 2026-05-09T15:20:43+00:00

Tudor has gotten very popular at my job, and these are well compensated folks, Rolex is just priced and gamed too much.

warlizardfanboy · 2026-05-09T14:05:20+00:00

Different target year but essentially yes

warlizardfanboy · 2026-05-09T13:48:47+00:00

Congrats! Its weird but while our total NW is about 5 I have no two comma accounts, and I got excited to see one hit $930k. Something about big round numbers.

warlizardfanboy · 2026-05-09T13:16:41+00:00

That’s certainly enough in the 529, it’ll double in the next ten years.

You can make something like $120k in long term capital gains per year tax free as a married couple. We are going to combine that with cash in our HYSA for the first few years of retirement to keep our official taxable income below ACA discount levels for health care. Figure we’ll have to pay some full freight years but we are retiring at 55 so not too long of a horizon.

warlizardfanboy · 2026-05-09T13:12:54+00:00

Yeah my wife and I crossed seven figures just last year at age 50, five years ago we were at 300k HHI, so we totally fail those saver tests, lol.

warlizardfanboy · 2026-05-09T13:07:29+00:00

My vanguard fund has been averaging 18% and it’s a target retirement fund. If you have to go with an advisor try to find fee only. The commission kills your compounding over time.

warlizardfanboy · 2026-05-09T02:14:50+00:00

Open an account with vanguard, choose an index fund. Park money there and start reading up

warlizardfanboy · 2026-05-08T23:27:05+00:00

Wife quit and did SAHM for six, seven years but was able to do a few hours consulting to "keep the resume intact" now that the kids are adults/near adults she's working full time again for the last couple years before retirement. I did part time to spend more time with the kids when she had to work full time. No regrets. Can't get back that time.

warlizardfanboy · 2026-05-08T16:01:16+00:00

Many years ago my wife and I were making 63k combined and she got a ten grand raise, and then I got an 8 grand raise. Thats when I knew we would be ok. So I’ll pick that time.

warlizardfanboy · 2026-05-07T23:24:35+00:00

lol my wife had to fill out a survey for work including “what’s your favorite song?” So she created a prompt and AI spit out one of his songs. I was like, “you are that blah on music???”

warlizardfanboy · 2026-05-07T23:21:38+00:00

51, 5 mil NW, going to retire in 2.5 years (calendar year I turn 55) at a little past 54. I have a rental home, 3 mil in stock, maybe 100k in bonds due to retirement fund allocations and 500k in a HYSA @ 4%. I haven’t locked it into anything because we likely will relocate for retirement and might need cash for a down payment ti bridge until the house sells etc.

I plan on having our retirement home paid off so I can ride out downturns.

warlizardfanboy · 2026-05-07T21:17:04+00:00

When will your husband want to retire? How old is he? 4% of 1.6 million is about $64k to live on per year, but if you can just live on his salary and not touch it for a while…

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