Recent content by FLSUnFIRE

Sounds like you can afford it. My question would be, do you feel deprived? If so, then I'd say there is an issue to work through so you are comfortable spending to a level you don't feel you are missing out. If not, why worry? I'm not itching to splurge but think if I hit about 150% of my...

I rarely cancel credit and will use my "unused" cards about once a year to keep them active. Mostly to keep my divisor high for credit scores and also to take advantage of "deals" on those cards that don't make the rewards value cut-off for daily use.

$1,900 in 2023 $600 excluding eBike $1,400 in 2022 $900 excluding a bike rack Those are sort of outliers but it's likely I have a "big purchase" in the fitness category every few years so perhaps they are more lumpy expenses. My bikes, paddleboard, weights and weightbench are paid for...

I regularly check my local TV station's website for local news (would do the local paper but it's pay-walled) and check the BBC a few times a week to see what's happening in the world. Occasionally will listen to morning talk radio before the overtly political tripe comes on just to have some...

Simple yet not! I don't think there is much disagreement about that but what is an asset and what is a liability is a bigger question. Many assets are not easy to value unless put on the market competitively (RE, art, Auto, CD with a penalty, potential taxes (capital gains, tIRA, etc). What...

Mine locked in the middle of my road trip at 30%. Fortunately it locked before I put too many miles on in a short amount of time. Currently at 6% since it reset during my roadtrip leading to a very high average daily miles... that will adjust now that I'm home and I expect to hit 30% again by...

Little Milton and Robert Ward. I caught some good blues at Hal and Mal's in Jackson, MS on my trip this spring. I'd like to hit the MS blues trail on a future trip and work my way up to Memphis with a stop in Muscle Shoals as well.

I'm in the club! Maybe an update post from me soon... been a very expensive spring for FLSunFIRE. Not sweating it (other than literally) but in addition to SORR there is SOER that hit me pretty solidly.

Got lucky! Clouds broke enough as the eclipse was occurring and about 10-15 minutes before totality it cleared up. Photos just can capture what the eye does. So happy I was lucky with the weather and got to experience it. Looking forward to 2044... Really is pretty amazing.

Expecting my eyes to be protected by water vapor today just north of Austin (Cedar Park area). Still will be interesting and I'm on my third week of my roadtrip and enjoying myself regardless if I can see the sun or just experience the odd darkness in the middle of the day.

It will likely be cloudy in Austin where I am, I'll be selling some new, unused eclipse glasses Tuesday. Actually, I'll hold onto them for August 23, 2044 when my house will be in the path of totality... I'll also be celebrating my 23rd year of FIRE which will be the same length of time as my...

Seeing the level of control the board and management has is terrifying to me. Certainly could be a worst case scenario between state law (NYC) and a loony-tunes board but it's not something I would risk, especially after seeing this mess. I feel horrible for my friend but short of becoming an...

I have a friend trying to get a parent out of a co-op and it's been a nightmare. There is equity but the co-op has shot down every offer because they don't like the price (to the extent that they admit), this as the building has a leak into the unit reducing it's marketability. One offer was...

Predictability, with the ACA I knew I could get some insurance and what it would cover and have an idea of the likely cost by watching the plans on healthcare.gov. PTC is nice but if I were working poor instead of weathy-poor, it would be a lifesaver. The plan I'm on now cost about as much as...

Best FI place on the internet here. If there was a way to calculate the value of the hive knowledge here it would be quite dramatic. Certainly not an exageration to say 10s-100s of millions of money saved/earned by those participating and those that just lurk. Not just the purely financial...