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Ouch I won’t be back here again. This thread is actually a metaphor for a GPS: a small box that narrows one’s options and perspectives, while facilitating anonymous insults. Over and out. I’m off to live in the real world.

Effectively all of the surface of the surface of the Earth doesn't have a traditional address one can input to a GPS (aside from lat/long, of course, or newer technologies such as Three Words, etc.), and places like that aren't of much interest to me. I rather hike the Camino de Santiago or...

In rural areas where dirt roads are common, paper maps are recommended. Various federal and/or state agencies produce them. Hiking/biking organizations sometimes do the same for trails, for example. When driving, hiking or endeavoring to access bodies of water in such areas, it is also...

I'm lazy and not very smart, so I look at these issues holistically. Here, that means we have an AA that, based on various metrics (e.g., Vanguard's model portfolios), we expect to achieve a certain return, give or take, based on historical averages and with the caveat that the future is...

Great presentation of information, and congrats on where things stand for you. It was helpful to see the budget broken into categories like that; half of your budget seems to be discretionary, and the numbers should go down when the last two are launched. You might consider ditching the life...

I will have achieved nirvana when (if?) the Washington Capitals win the Stanley Cup again and I’m in the arena for their Game 7 victory. Everything else remaining in life is basically “bleh, yeah, whatever.”

There have been articles about wood product shortages driven by the pandemic, which has resulted in folks doing more home projects than normal. Home Depot, Lowe's and similar hardware stores are benefiting...

Up circa 10% YTD; 65/30/5

Life is terrible here. A paucity of Starbucks, malls -- and a poor selection of restaurants generally. And yes, an occasional puff of wind. A pathetic LCOL jurisdiction all around. Please, stay away, don't come here. We like it that way.

We've never been asked for a verification of assets; I'm not certain that I even know what that is. We had to present a cashier's check at closing, which was held at the offices of a settlement agent. So financially speaking, the substance of the transaction was effectively between us and our...

We're big PC fans. I have no experience with Mint. I'm also not an IT genius, so others here certainly can offer wiser views. With those caveats and in answer to your questions: 1. PC Expense Tracker: Yes, you can assign categories for expenses, income, you name it. I don't know how this...

Later in life we purchased our homes with cash, "as is", as we like to renovate old homes. YMMV, of course, and every property is different. In our experience, there are several advantages to buying with cash beyond the obvious one of saving interest costs over the life of the mortgage: (1) We...

OP, I am just back from fly fishing the North Platte. Off tomorrow for the same. Dtail seems to have the skinny on life here in the Cowboy State. Chat with him/her.

@boomerangc I've lived around the world, from HCOL to LCOL. And now find myself in wonderful Wyoming. As they say, "it isn't for everybody, and we like it that way." If you shoot me a private message, I'd be happy to answer, to the best of my ability, any questions you have about what it is...

That premium is exceedingly low in comparison to ours. We are paying about $700/month (combined) for two of us. Unless it becomes financially unsustainable, our strategy is to keep accepting the increases until we are a lot closer to when we might need the policies — somewhere around 75 maybe...

Here is an 8-year old blog post that got me thinking of these issues long ago (but not soon enough): [url]https://www.mrmoneymustache.com/2012/05/29/how-much-do-i-need-for-retirement. It glosses over a lot of details, of course, but provided inspiration. One factor is that the earlier you...

Many of the roads here are dirt, and they are actually safer to drive on in the winter in many instances in comparison to pavement. So dings and cracks are common. We drive old trucks, so when we get a ding we just inject it with that superglue-like substance, executing the patch ourselves. They...

I'm in the market for a decent, lightly-used hot air balloon, so following this thread with great interest.

My goal: Convince DW we are FI, so that I can quit My issues are relational/psychological, not financial I also already know that I won't achieve my goal

We went the "other direction," so to speak. 1. We moved from HCOL to LCOL 2. In so doing, we sold our greatly appreciated HCOL home. We had owned it for 25 years. When we cashed out of HCOL, the value in that property nearly equaled what we then had in savings. In other words, a buy-and-hold...

Thank you very much

+1 us as well All of these choices are intensely personal, of course, but in our case one of the reasons why we have been married so long, with similar goals and the like, is because our financial life is expressed in terms like "joint," "ours," etc. We don't always agree, and frequently don't...

Up ~8% YTD with 65/30/5