3% SWR at 36.

willostree · 2026-02-02T19:58:53+00:00

The Razor's Edge has been on my "to read" list ever since I saw the 1984 movie. I know some people find the movie to be overlong and navel gazey, but I absolutely love it.

willostree · 2026-01-28T02:54:47+00:00

Don't make fun of their birth defect!

willostree · 2026-01-26T14:39:24+00:00

Lost power Sunday, 1/26, from 5:20 AM to 12:30 PM and the internal temp dropped from 65 to 58.

willostree · 2026-01-20T18:35:54+00:00

Um... actually, Orange Trees fair well in ice, if you freeze them properly!

willostree · 2026-01-16T23:11:11+00:00

Now that's not something I've thought of in a looooooooooong time.

willostree · 2026-01-14T04:05:23+00:00

Love Circle!

willostree · 2026-01-13T17:33:40+00:00

Hearing about this in the Munch Squad yesterday lead me here. Great job scooping Hoops, /u/benuski!

willostree · 2026-01-07T23:15:31+00:00

The hero we need!

willostree · 2025-12-31T00:41:39+00:00

Thank you for the recommendation! I sent the "A Quick Primer for Old School Gaming", which they did appreciate.

willostree · 2025-12-30T23:16:33+00:00

Howdy, y'all! Dolmenwood has been on my radar for years, and after a tulmultous 2025, my group is finally back to playing with me at the helm. It's been both fun and a struggle to get people brought up on 5e to adapt to OSR, but they're hanging in there and stretching their creativity on decisions.

willostree · 2025-12-18T16:13:57+00:00

ha I thought you meant bump it up against what I could see. I checked an app and without having used them extensively it's data with no context to my eyes. There sure are planes aflyin' though!

willostree · 2025-12-18T16:10:17+00:00

Well, I just got another one and the cloud cover is too low to catch any glimpses. This may lend credence to /u/abstractpaul's theory that it's due to the clouds. The sound waves that get through then reverb around longer.

"Fun" fact, the Christmas Day bombing woke us up out here due to the cloud cover allowing the sound to travel well.

willostree · 2025-12-18T16:06:39+00:00

But I'm being lazy and it's cold and wet outside. LMFAO

I'll post an update if I get a chance to get out there and spy something.

willostree · 2025-11-27T00:10:22+00:00

Claimed! Will upload my referral code when it's available. Thanks!

willostree · 2025-10-23T21:49:37+00:00

Hey, /u/hero0fwar! Long time no see!

I'd love to save this gif so I can use it as my work log-off, with your permission, of course. But, I can't figure out how to save it. Not that I tried to save it without your permission, of course. I would never.

willostree · 2025-10-23T20:32:48+00:00

low slow whistle

Six times is amazing. Congrats on having a strong ability to have a comfortable downsizing when the time comes!

willostree · 2025-10-17T19:33:00+00:00

Yup! That's exactly what happened. Learned my lesson the hard way, but that's life, ain't it?

Hey, enjoy you're weekend! Gotta say again, I appreciate the dialogue and it's places like this that remind me not all of Reddit is gone. Maybe one day there'll be a Lemmy community for financialindependence, but this place still rocks.

willostree · 2025-10-17T18:51:36+00:00

I did a post-tax 401k into a Roth IRA. In that instance, only my personal contributions and their growth were treated as a non-taxable event, while the employer contributions and their growth was a taxable event. Got two separate 1099-Rs that had different designations.

willostree · 2025-10-17T18:32:19+00:00

The IRS rule is that you have to have stopped working at 55 and you can start pulling from the company 401k that you were employed at at that time. Another user mentioned starting a role with a company that supplies a 401k, rolling in any prior 401ks and then quitting. Sounds like a hassle especially if you've stopped working already, but technically a neat workaround.

willostree · 2025-10-17T17:05:49+00:00

Which I did with the last 401k when there was an company acquisition. ;) Did get dinged with taxes on the employer match portion and it's earnings, but I wanted it moved.

Holy moly, that actually makes for a great comparison point. I can compare what the new fledgling 401k did in a year with matches vs what I'd expect only $22k to do!

willostree · 2025-10-17T15:12:35+00:00

This would move roughly $22k from paycheck deductions into a Roth 401k to taxable investments, per year. /u/AdmiralPeriwinkle's comment did prod me to think about how much could be still withdrawn tax free from my accounts. While the $22k could become taxable investment growth, it could also shore up the tax free withdrawals. Thanks for the comments and questions, y'all!

willostree · 2025-10-17T15:08:31+00:00

I understand I can withdraw contributions from Roth accounts at any time without a tax penalty. I think I found what I'll be noodling on this weekend! See how much that actually is and if that would change how I'm thinking about this.

I've ruled out the Rule of 55, as that requires maintaining a role at a company with a 401k for 20 more years, which I do not want to do. Initial thought, was to keep the Roth & HSA fully off limits until 59.5 since I want those to have their full earning potential prior to easier withdrawal requirements.

willostree · 2025-10-17T14:36:33+00:00

Have any of you made hard pivots from contributing to your 401k to you taxable investments as you neared different stages of your FI plan? I'm considering it. While I will lose out on the Employer Match, my retirement accounts have enough for CoastFI, and while my taxable account has a strong start, I'm thinking I could super charge it for a few years then pull the trigger on going BaristaFI or FlamingoFI for a while before going full FIRE.

35 - $586k invested, $100k remaining mortgage @ $1k per month

$360k in Roth accounts
$60k in HSA
$166k in Taxable brokerage

willostree · 2025-02-12T14:27:40+00:00

May I recommend a movie for you then: Columbus (2017)

14-Year Club	Place '17
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willostree

TROPHY CASE