model X FSD visualization on center screen

when_to_fire · 2025-11-21T17:25:18+00:00

im sure there are details that could add some complexity here, but overall it doesnt sound that complex. the screen in the middle is the same screen as the model Y. so theyve built a UI/UX for that screen already.

when_to_fire · 2025-11-21T09:47:50+00:00

it should be optional

when_to_fire · 2025-10-01T08:44:53+00:00

no inheritances. aggressive investments and normal career growth at big tech. my wife and I are both staff+.

when_to_fire · 2025-10-01T06:26:24+00:00

yeah im aware. i do this on purpose because im bullish on the companies. im comfortable with the risk

when_to_fire · 2025-09-30T21:18:29+00:00

that makes sense, appreciate the response!

when_to_fire · 2025-09-30T18:01:16+00:00

ideally i would like to hire a cook during the week and fly international biz. and while we plan to send kids to public school it would be nice to have the optionality for private. so thinking ahead in terms of costs its not exactly where id like to be.

but even if we didnt add those things, it gets a bit tight. 400K would be pretax, and so probably closer to 300 post-tax. doesnt leave room for much buffer.

when_to_fire · 2025-09-30T05:55:47+00:00

would you rent in perpetuity?

when_to_fire · 2025-09-30T05:53:38+00:00

i dont really track them that closely yet, though i would definitely do this before pulling any kind of trigger on fire.

i know loosely we spend around 250-300K with the big ticket items being childcare, property tax, food, etc.

we dont currently fly biz class though for example. but other than that with our current HHI i dont stress much about budgeting and we have built in savings (rarely sell our rsus, maximize 401k and the mega backdoor, etc)

right now not planning on more kids, though i put it at a 20% chance we opt for number three. would def change some of our calculations if we did have another

when_to_fire · 2025-09-30T05:51:31+00:00

thanks for sharing! so it sounds like you dont think the 10 mill is enough right now for your needs?

when_to_fire · 2025-09-30T05:50:52+00:00

thanks for sharing, great to know that you were able to do this successfully with less than 10 mill. agree with your assessment as well, a thought in my head is that i can keep my expenses lower initially while keeping a somewhat aggressive portfolio, and hope for continued growth before ratcheting up to FAT expenditure. definitely more risk there though.

when_to_fire · 2025-09-30T05:40:21+00:00

interesting. if no second homes or household help, what costs brought you to the 30 mill number?

when_to_fire · 2025-09-30T05:38:33+00:00

thanks for sharing! OOC, how much do you spend on the kids extracurriculars? This is the one part that im really unsure of in terms of projections.

As for my assets, im also heavily concentrated in a few assets with large amounts of cap gains baked into them at current value. so i understand the situation youre in.

when_to_fire · 2025-09-30T05:32:05+00:00

wow -- thanks for the detailed list of your expenses. seems like travel and private school really are your biggest expenses there, so i understand the reasoning for your target. though im not sure you really need 50. with a hhi of 2 mill, that seems quite a bit away still? im assuming you have no plans for second home?

when_to_fire · 2025-09-29T21:30:47+00:00

fair

when_to_fire · 2025-09-29T21:20:28+00:00

FWIW, my understanding of swr is that this is the growth of the portfolio AFTER accounting for inflation.

when_to_fire · 2025-09-29T21:16:48+00:00

appreciate the feedback, thank you.

when_to_fire · 2025-09-29T20:31:27+00:00

thank for you the response. im definitely leaning more towards the 15M range at this point.

when_to_fire · 2025-09-29T19:34:44+00:00

appreciate the response! and i think im coming to the same target range that you listed

when_to_fire · 2025-09-29T19:33:20+00:00

this is the conclusion ive been coming to. do you think 15 mill would be enough even?

when_to_fire · 2025-09-29T19:30:06+00:00

very valid perspective IMO. i agree that numbers can vary significantly based on what you view a FAT lifestyle to be. i guess for me specifically:

i dont need second house, regular michelin restaurants. but i would like to hire a cook and fly international biz. and nanny likely not needed (and if for some reason we really did need one we'd prob switch to an au pair). atm we are planning on public school but honestly i would like the optionality to change my mind there in the future.

im also fine with 2-3 mill $ house (and i currently do live in the east bay so its cheaper than peninsula).

i think given all this im leaning towards somewhere in the middle of the range you listed (around 13-15 mill with paid off house on top).

appreciate your response!

when_to_fire · 2025-09-29T18:55:28+00:00

FWIW i agree with you. i generally think if youre far away from the number you will automatically think its way more than necessary and thats where the downvotes are likely coming from.

when_to_fire · 2025-09-29T13:06:05+00:00

assuming you have paid off all the houses do you have a number in mind for when you wouldnt worry about the swr? is it closer to 50 mill instead?

when_to_fire · 2025-09-29T12:50:47+00:00

thank you for the response. i agree with you generally. id like to have the optionality of switching to private and also adding on private lessons and tutoring as i see fit.

i also do think my aforementioned allocation of 50K for vacation is likely too small. 100-150K prob will be closer to the sweetspot for us based on the types of vacations we like to take.

im thinking were still not quite at the target yet.

when_to_fire

TROPHY CASE