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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...

At first you're just like...that looks just like a wave. Then the dog almost gets swallowed.

I say this in so many threads. Every time you go see something just because it's a habit even though you know it's retarded, you're ensuring you just get more of it.

Probably upgrade to a new engine in a few years. Since it's taking so long.

The problem becomes, many people that say "I want to work until I'm 65+" end up being pushed out of the job prior to that. You don't want to be one of those people. I also disagree with your assertion that people can't save up $1 million by retirement. They absolutely can, the problem is people...

That reminds me too of something I'd read a bit before we retired. It was about how it's pretty uncommon for someone who is able to actually save up enough to retire to go their entire retirement without picking up any extra income here or there. When you calculate you need $x a year, it's...

I'm not as old as most of you (41). But the first thing you need to do is figure out what your annual expenses are. Like, no shit what they are, not guesstimates. Include everything. That means the bullshit you spend $5 on here and there, all the way through your mortgage and health insurance...

Veep is fucking nuts after the Biden presidency. It was funny when it first aired. It was sad a decade later.

I think someone mentioned it before, but Angie Tribeca (Rashida Jones) was very much a successor to the Naked Gun type of comedy. And that was mid to late 2010s I think.

It's 2025. You expect the government to have some sort of system in place that utilizes technology? Nope they're going to call up places on a landline god damnit.

That would be extremely worrying that a comedy like Naked Gun that's basically nonstop gags, would only have 2 minutes of jokes.

I feel like the simulation is breaking and just fucking with us now. I don't know what the hell is even going on anymore.

Going for that Marilyn Manson look.

I agree with your last statement. A lot of the worlds in MMOs are absolutely shit. One of the things that makes me hopeful for MnM is that the world is actually really well crafted. Granted I haven't seen a ton of it, only having made it to level 12.

So looks like Foo Fighters and Nine Inch Nails just swapped drummers. Ilan Rubin from NIN is joining the Foo Fighters, and Josh Freese is going back to Nine Inch Nails to replace Rubin. Weird stuff.

If you at all like survival games, I think Abiotic Factor really stands out from the rest. The graphics are a bit janky, but man is it well thought out and absolutely massive in content. I tried Grounded when it first hit EA and it just didn't do it for me. Started playing it a couple weeks ago...

I played fighter. I mentioned before looking at wizard and it seemed...lackluster. It's definitely interesting looking at their stats, it seems like it's actually movement speed which is driving players to classes. Shaman, druid, and bard all get to run fast the soonest, and they're all top of...

I mentioned it during this latest test, but they really nailed the grouping aspect. Every group I had, people were utilizing group chat and actually captured something I only remember EQ having. If they can solve my issue I have now as an adult where I need to take a quick break from the group...