Recent content by Closet_Gamer

$153B at 5% … $7.65B per year. Wow.

+4.6% YTD 45% Large Cap 15% Small Cap 20% International 20% Fixed Income/MM

About 10 years ago I had insane PVCs. Wound up in the hospital thinking I was having a heart attack. Nope, but I was having so many PVCs my effective heart rate was in the 30s. Kept me overnight and wind up doing a cardiac catherter exam just to ensure there wasn't something really screwed up...

Curious what the other car is! A used Porsche takes time to buy in my experience. I was looking for Boxster. I probably spent 90 days on it. In that time I looked online at every used boxster in every configuration within 100 miles of the house. I also visited four car dealers (two Porsche...

I generally don’t want more than 1-2% of my net worth depreciating in my driveway. That said, I love nice cars. This is why I buy used and shop very hard for them. I currently have a 2017 Porsche, 2018 F150 and 2017 Mazda CX-5 Grand Touring. Picked up the CX-5 and Porsche in 2022 and the...

Press 1 to accept your 3% credit card fee. Press 2 to approve the 25% tip we calculated. Or press 3 different keys to get rid of it. This is all getting a bit out of hand in terms of not exposing the price when they give you the price. Same thing for resort fees, etc. At a certain...

Hi and welcome to the forum. You’re in a great spot. Your target of $5.5M, is that today dollars or “then” dollars? Remember that inflation will take its toll. At a 3.0% SWR the $5.5M will get you $165K in pre-tax, “then” dollars. Does that work for your aspirations? If you haven’t done...

Very sorry to hear that. I got bitten by two Lone Star ticks a few years ago and learned about this. Best of luck in managing this.

We spend a lot in this category. A while back we joined a very nice, very full service gym/spa set up. $185/mo. We each go 3-4x per week. DW hired a trainer to help drive her surgery rehab and illness. $140/session. Best money we ever spent. I just injured myself and am having to redo...

Why not just do a simple, immediate annuity? I think that would achieve your goals without the complexity?

I’m so sorry to hear this. My condolences.

I once went to bat for an employee who wanted to leave. She was coming back from maternity and decided she wanted to stay home with the kids. Budgets were tight and she’d been a great employee for over a decade. She said “I’ve decided to stay home with my kids, any chance you can eliminate...

Great job! I think the new format is nicer and much refreshed. Thanks for putting the work into this!

This is a great strategy. We alternated years where we would donate a big chunk to a DAF with years where we take the standard deduction. Over time we built up what I thought of as my “Charity 401k”. The “match” was the avoided cap gains taxes. As I head into FIRE, we now have a nice...

Remember that if you’re going to ride the tube or be in other crowded tourist places, ensure that your contactless credit cards are stored in an RF blocking wallet or purse. Never happened to me but apparently there is a problem with thieves getting close enough to you to trigger a fake...