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Mousewheel confirmed carebear. If you're not using a 486 on a 14.4k you're a faggot pussy and you should just go play WoW.

Yeah, we still want to build too, but it's not something I'm particularly looking forward to. It's currently a lot owned by my mother-in-law, with a trailer from the late 70s on it that's falling apart. Since we're also retired, it adds another wrinkle, since getting a mortgage is more...

These are some bizarre talking points. Third person is now carebear? It's no wonder they can shove all kinds of retarded shit into games. And I'm not even talking about this one. Gamers are fucking idiots.

Fake news. I was told people were farming all those places and it's just my imagination that everyone congregated in a handful of zones while the rest of EQ was deserted.

Tell me you haven't played this game without telling me you haven't played this game. Your "maxed skill" means exactly jack shit and squat in MnM. Enjoy fizzling your lvl 4 gate spell 5 times in a row.

This is the crux of it. If this community isn't the exact audience for the game, I don't know who is. And if this community keeps calling out massive issues, I'm not sure they're smart to just ignore them. And I've said many times, there's a great game somewhere in there with this. But man do...

Probably. My father-in-law died of leukemia a few years ago. About a year before, they gave both my wife and her brother about $40k each for downpayments on houses (we both moved at the same time). Neither of us needed it, but it was something where we'd end up with it eventually anyway, so may...

Really? Superman came out in 78. He looked like an old man already by that point.

I only pointed out the boat thing because it stuck out to me. But that said, I'm almost positive the response to it will be "make friends with a wizard or druid who can port you and avoid the boat." So what was the point of the boat ride in the first place then if the intention is you do...

Except most places in EQ were dead. No one was ever grinding in OOT until they put the ring of the ancients there. Everyone was in fucking lower guk, or sebilis. Because players will flock to the path of least resistance. I'm glad you found a game to flex on your ability to poop sock though...

It's insane how much prices have inflated. It wasn't even a decade ago that $100/sqft was basically middle of the road and $150/sqft was getting into fancy territory. $200 would be fully custom home high end shit. Now that's apparently about $750/sqft, and entry level is $200.

Reminds me of a comment on Shawn's latest stream, where he was talking about how long a boat ride took and he proudly proclaimed the world was so large, that it'd take 4 days in game to complete. I believe the day/night cycle is about 1 hour in real time, so you're looking at 4 hours on a boat...

Speaking of strange decisions that they only did because of retarded EQ coding, this game has included hell levels for...reasons? I can't figure out what it adds to the game outside of additional frustration?

Yeah, I'm super impressed. And the game is massive. No idea how many hours in we are but it's a lot. We're on the last reactor and it sounds like we still have a long way to go.

Well shit, I could've sworn Roth's had an RMD, but you're right. I've converted my entire tIRA balance to Roth already, and started working on my wife's last year. Within the next year or two I need to transfer either my TSP or wife's 401k to Vanguard to start working their balances down. Those...

It's too complicated to give advice on, in my opinion. One, you risk having too much in Roth and start getting hit with RMD, which sucks big time. My mother-in-law got hit with them last year. But two, the big one is it just depends so much on how much income you have, and how much savings you...

You mistrust an institution, but fail to understand what a stock is. All you're doing is buying ownership in a company. Do you think the concept of buying ownership in a company is bad? Then sure, don't buy stocks. Ignoring the trading aspect of a stock, the reason stocks go up is because the...

This is true, but you have to pay taxes on it as if it were earned income. You can get around this if you're someone like me who minimizes their annual spend. You can do a rollover of the standard deduction from tIRA to Roth IRA and pay $0 on it. After 5 years it's considered principle and you...

Really just think of there being 3 paths. Tax deferred - This is 401k's, TSP's, and Traditional IRA's. You're deferring the taxes on normal income (lowering your taxable income) and then pay tax on it when you withdraw in retirement. Tax advantaged - This is the Roth option. Whether it's a...

This is what I love about investing. People think the returns are crazy when really they're average. CAGR of the market for 150+ years is about 10%. This period isn't special. http://www.moneychimp.com/features/market_cagr.htm

Gotta remember "early retirement" is basically anything before 62 (or maybe even 65) depending on who's saying it. And this board is getting old. Lots of people in their 50's now. My in-laws early retired in their 50's with pensions not really planning on it. My mom early retired a couple years...

This is the way I've always felt about it. Insurance makes sense for someone if they need to provide for their kids during their earning year, and before the kids leave the house. Once you have assets, they can live off those if you die. The only kind of insurance like that that I've ever...

We built our first home gym in 2015, and I haven't gone back since. It's just such a higher quality of life thing for me, not having to wait for shit, or whatever. And listening to my own music on blast, and not using earbuds. Granted, when we moved into our current house we got rid of the power...

If I recall, Ramsey has some shitty, high expense ratio mutual funds he recommends. Which I believe he has a stake in. For houses, there's definitely a sweet spot. In California we had a 2100 sqft house which we loved, but two of the bedrooms ended up just being closed off 99% of the time. We...

Yeah, Ramsey is good for people who are stuck in debt still. Once it comes to investing though, ignore him because he's a fucking moron there (or snake oil salesman, your pick). If you've already ingrained some responsibility in your financials though, yeah, absolutely use credit cards for...

Shit, I notice wonky stuff like that during the day. Where the temperature at that very moment is an obviously fucked up one, 15-20 degrees above what it actually is. I feel like a lot of this isn't even controlled by humans anymore and it's just errors that don't have some kind of catch to...

I also only ever made 6 figures for a single year ($108k). I think I calculated at one point my average wage over my entire working career (21 years) was like $55-60k. More than median, sure, but barely.

I sound downright poor compared to the people in this thread (assuming they're not all bullshitting). I've been pretty transparent. We live off about $50k (net) a year (although saying net is a bit retarded, because our tax burden is mostly 0, but we've had a couple years I fucked up and we owed...

Not going to tell you how to live your life, but you don't need a $50k/month spend. You want it. Good luck with your savings goals though. In the end it's a math problem.

It's interesting. I found Mr. Money Mustache from the misc in 2014. I don't know if I was doing my TSP (401k) at all that year, but 2015 we finally decided to get serious about it. Prior to that, we'd saved somewhere between $80-100k during the first decade of our marriage (married in 2004)...

You know, that's one of the downsides of early retirement. The time has been absolutely flying by. Whole seasons pass and I'm like, what the fuck, it's already summer?

https://www.pcgamer.com/games/fps/battlefield-6s-anti-cheat-has-already-stopped-330-000-attempts-to-cheat-in-the-open-beta-but-players-are-still-calling-out-wallhackers-who-slip-through-the-net/

Sounds about right. Granted, it's not the same metric you're talking about, but I'm always checking IWM to see how it's doing. It's basically always flat. It's why I feel like I need to dump the rest of the US economy and go with the highest proportion of tech possible. Because everyone else is...

I mean, was the first season actually any good? I barely remember it, but I seem to recall it was a cool setting, but the actual show was like a bad CW teen angst plot with an equally retarded whodunit.

It's weird they're calling Perry the "giant spoiled brat" when it sounds like that's exactly how the faggot who sold the house is acting. Also, fuck him for trying to garner sympathy as a "veteran."

You seem to be purposefully missing the point just to create an argument. Have fun with that, not worth my time.

The point he was making was that if you have $5m, you're not flying a private jet. No matter how well your portfolio does, you'll never be the super rich. Yeah, it will provide you with more comfort, but you're still only living marginally better. I hope this doesn't sound gloating, but when...

This kind of reminds me of a video I was watching yesterday that talked about the marginal value of each dollar saved. The broader topic was about "tiers" of net worth. One of those tiers was $1-10M, and how the majority of people who make it to $1M will never see the next tier, and it's largely...

Saw a shorter clip of this a couple weeks ago, and I forgot how good that song is (song in 2nd video if you don't care about Grohl playing Pantera/Anthrax drummer's kit).

It's a bizarre argument to make though. None of the original people are involved (all the actors are dead and I dunno what the writers and producers status is), and the movie literally shares the name of the first movie. It's a soft reboot at best. It's most definitely not a sequel, or it'd be...