Paid $30k cash for a 2017 F150 in 2020. Gets around 19mpg and I drive less than 10k miles a year.

I'm in fintech. There is no way that I could have all the deep technical knowledge that my staff does. Do I know what's happening project and production wise, yes. Do I know all the nuance of how my staff does their jobs, no way. They have their areas of expertise and I have mine. They compliment each other.

What data points make you question the 3.5L longevity?

Spent my 40th birthday in bed with shingles. When I was 41 my father died. When I was 44 my wife died. I just turned 50 this past weekend. I'm engaged and life is looking pretty sunny. Here is to my 50's being a better run.

I like a little cream and sugar, but usually drink it back to avoid the extra calories

For my job I work a lot with hotels in the area. I would recommend the Embassy Suites, Hyatt, Staybridge Suites and Holiday Inn (in Belden Village area). They are all good properties in good locations.

For me it has. Just turned 50. 38 states and 33 countries. Now, I'd rather be at home or on the side of a mountain

Yep. I've backpacked and slept under the stars never seeing another soul for a week and I've also spent a weekend in a travel trailer, sleeping on a pillow top mattress in air conditioned bliss....it's all camping and it's all awesome.

My summer soundtrack is usually made up of Sublime, Dirty heads, Stick Figure, Pepper, etc.

Been listening to the new Kittie album. I've never really listened much, but it's pretty decent.

FWIW, I grew up poor and have lived both sides of this and completely stand by my statement.

Money doesn't make you happy, but it does give you options. You've got to figure out the happiness thing on your own

WingZombie
42Edited

Widower here.

You wake up each day, you put your feet on the floor, you wash your face, put on some clothes and go about your day pretending you're ok when you deeply are not. You keep doing that day after day and one day, for a very brief moment, you realize you are ok...just for that moment. Those moments start to get more frequent. Then they get longer. And one day you realize that you're more ok than not ok. The wounds never close, but we get better at living with them.

Elder Kardashev Opeth Type O Negative Deafheaven Baroness Coheed and Cambria Municipal Waste

So....here is how I'm working it. You shouldn't "cash out" on everything, only what you need. You'll see a lot about the 4% rule meaning you should be able to draw 4% per year of your "retirement" to live on and it will last you a long time in theory. Lots of people are comfortable with 5% or 6% depending on how their life is going.

For me it's about when I need access to the money.

Whatever I need in less than 24months, its sitting in a high yield savings.

If I need it in 24-72 months, it's in a low to no risk holding place like bonds or CD's that will net me a bit more than HYSA

If I need it in more than 72 months, it invested like it should be before retirement (Index Funds).

Depending on what the market is doing, money gets moved around a few times a year.

I've met people so poor that all they had was their money

In 2017 I became a VP at a Fintech company after 24 years working at it. I was doing a lot of international travel and working 60hrs a week. Thanksgiving week of 2018 I'm working in Germany (because Thanksgiving isn't a thing there) and I get a frantic call from my wife. She had been having some health problems and she got the call that they suspected cancer. I fly home and we spend the next weeks in the hospital fighting a short brutal battle she couldn't win. She died on New Years day 2019.

2 months later I went back to work and said "I can't do this anymore". I handed in my company cell phone and said "I don't know what you want to do with me, but this isn't for me anymore.". It took them some time, but they kept me on and eventually moved me into a much lower stress, 40hr a week Director position. I'm still a manger, but I have small staff of good people, most of whom I've known for 20+ years and many of whom knew my late wife. It's still sometimes a challenge, just because it's managing people, but overall it's pretty OK. I'm glad that we never caved to lifestyle creep so my financial obligations haven't been an issue. I'm looking to retire early in the next few years.

Time is the most valuable thing I have and I try my best to choose how I want to spend it and with who.