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"You can't relax at $1.5 mil" seems like flame

Risk-free on 1.5 mil is like 75k a year. With a chill WFH si...
Supple step-uncle's house toilet seat
  09/09/24
what does risk free mean here
federal point clown
  09/09/24
like sticking another mans cock bareback into ur ass. its ri...
Multi-colored yarmulke orchestra pit
  09/09/24
...
aquamarine nighttime locale
  09/09/24
...
Avocado Temple
  09/09/24
Treasury bonds.
Supple step-uncle's house toilet seat
  09/09/24
30 yr bonds are back down to 4%, and T-bills will be under 5...
Laughsome irate gunner stead
  09/09/24
no shit even if u take this shit abt 1m being $5 back in 199...
Multi-colored yarmulke orchestra pit
  09/09/24
Why hope not to get murdered? Who gives a fuck anyway...we'r...
Contagious saffron institution nowag
  09/09/24
in the eighties a six fig income made you a big shot. if you...
bronze odious national
  09/09/24
That's what the chill WFH Sinecure is for.
Supple step-uncle's house toilet seat
  09/09/24
so you can chill on $1.5m if you plan to work til you're dea...
bronze odious national
  09/09/24
It's more like roleplay.
Supple step-uncle's house toilet seat
  09/09/24
if fake work 75k sinecures were given out like candy there w...
bronze odious national
  09/09/24
In the words of a gorgeous mutual friend of ours, they just ...
Supple step-uncle's house toilet seat
  09/09/24
my wife (not a lawyer) has one of these and makes $105k. onl...
Sapphire Shitlib
  09/09/24
180^180
Supple step-uncle's house toilet seat
  09/09/24
reported to the rbi
pea-brained gold love of her life corn cake
  09/09/24
Really depends, if you want to retire to like SE Asia, S.Ame...
Mint corner legal warrant
  09/09/24
Depends on what kind of standard of living you want in W. Eu...
federal point clown
  09/09/24
True but I assume OP doesn't want to be a europoor
Mint corner legal warrant
  09/09/24
europoor is still better than being a wageslave for kikes in...
federal point clown
  09/09/24
CONCUR
Mint corner legal warrant
  09/09/24
(Literal kike in the USA)
diverse stage
  09/09/24
Aren't you a (((dual citizen))) my man
diverse stage
  09/09/24
Also Southern Italy, Greece, and Croatia. You can live very ...
Contagious saffron institution nowag
  09/09/24
That's what the chill WFH sinecure is for.
Supple step-uncle's house toilet seat
  09/09/24
Escape the shackles of GC friend, GO FOR IT.
Mint corner legal warrant
  09/09/24
We all can't live off of daddy like you. Not everyone's dadd...
diverse stage
  09/09/24
Lol at anyone taking financial advice from 9/11 boy.
diverse stage
  09/09/24
wife and i have a bit more than 2 mil invested. i wouldn't r...
Sapphire Shitlib
  09/09/24
With a wife and two kids, probably bump that number up to 5 ...
Supple step-uncle's house toilet seat
  09/09/24
we hit $1 million in early 2020 IIRC, then 2 mil just 4 year...
Sapphire Shitlib
  09/09/24
180
Supple step-uncle's house toilet seat
  09/09/24
spaceporn SEETHING at this poast
Sapphire Shitlib
  09/09/24
I wouldn't worry yourself with so very many thoughts of him.
Supple step-uncle's house toilet seat
  09/09/24
i like harassing and defaming him because he outed me. not w...
Sapphire Shitlib
  09/09/24
You’re outed? Post your phenotype
pearly lay
  09/09/24
this is zurich. you and everyone else here has seen me and k...
Sapphire Shitlib
  09/09/24
I reached 1.5mil a few years ago and thought about doing not...
frum haunted graveyard
  09/09/24
$1.5m is better than nothing, but $1.5m is not a fortune by ...
Balding titillating stage
  09/09/24
You can relax at any net worth friend$
provocative mood station
  09/09/24
In 5 years, mid 40s, we'll have ~$2.0 invested and ~$1.5 in ...
lime out-of-control school cafeteria azn
  09/09/24
what do your living expenses look like? the 1.5m growing fo...
Sapphire Shitlib
  09/09/24
Assuming 10% seems kind of generous.
Supple step-uncle's house toilet seat
  09/09/24
it is, and i tend to be overly cautious so i get i shouldn't...
Sapphire Shitlib
  09/09/24
Those are nominal returns. Subtract 3% inflation for real re...
Self-absorbed maize idea he suggested
  09/09/24
what is the point of adjusting returns for inflation? the a...
Sapphire Shitlib
  09/09/24
Because everyone is listing their expenses in today's dollar...
Self-absorbed maize idea he suggested
  09/09/24
thought you meant 1.5MM yearly and was back and forth on it ...
Stimulating round eye spot
  09/09/24
...
Hairraiser gay wizard ceo
  09/09/24
If you have kids and they go to private schools then you nee...
appetizing keepsake machete forum
  09/09/24
"If you have kids" I think I spotted your probl...
violent big indirect expression
  09/09/24
why would you spend all that money on schools instead of jus...
pea-brained gold love of her life corn cake
  09/09/24
...
Supple step-uncle's house toilet seat
  09/09/24
I'm approaching $2M net worth and looking into other non-law...
Fiercely-loyal windowlicker
  09/09/24
Option 1: move almost anywhere else in the world and get hea...
Contagious saffron institution nowag
  09/09/24
gotta love option 1. USA is great, but u are not willing ...
30 million illegals to give us healthcare
  09/10/24
I buy my own health insurance and its like 650 a month high ...
frum haunted graveyard
  09/09/24
Those are the current premiums I pay. Job has dogshit insura...
Fiercely-loyal windowlicker
  09/09/24
i pay 1400/month for a shit policy ($10k deductable!) that d...
30 million illegals to give us healthcare
  09/10/24
You live off investment income that doesn't count for Obamac...
Self-absorbed maize idea he suggested
  09/09/24
ive made this point many times and been called a communist ...
30 million illegals to give us healthcare
  09/10/24
For a single guy who has already maxed out social security 2...
Garnet razzmatazz main people idiot
  09/09/24
...
filthy hot cumskin
  09/09/24
wtf wld a single guy do this? move to some redneck shithole ...
Multi-colored yarmulke orchestra pit
  09/09/24
Until the roving liberal death mobs begin, it's CR to inocul...
Contagious saffron institution nowag
  09/09/24
You should take advice from Tommy T, he seems very happy wit...
violent big indirect expression
  09/09/24
thank friend, everyday im like "wow, life is unreal&quo...
Multi-colored yarmulke orchestra pit
  09/09/24
There is no point in relaxing because “chill” lo...
pearly lay
  09/09/24
You must have had limited exposure to HR. I could be a dire...
Contagious saffron institution nowag
  09/09/24
During ITE, my wife an I had a negative six-figure net worth...
Splenetic orchid chapel foreskin
  09/09/24
180, how much do you typically put away per year?
Sapphire Shitlib
  09/09/24
We are typically saving 200-300K per year, although last yea...
Splenetic orchid chapel foreskin
  09/09/24
that's v good. HHI? we make ~500k, and we save like $150...
Sapphire Shitlib
  09/09/24
We make 600-700K depending how my wife's firm is doing. We ...
Splenetic orchid chapel foreskin
  09/09/24
180, is she in midlaw? i'm at a regional midlaw firm with...
Sapphire Shitlib
  09/09/24
I make 40000k
pea-brained gold love of her life corn cake
  09/09/24
Yeah, she is in midlaw. She actually made more than that du...
Splenetic orchid chapel foreskin
  09/09/24
Oh wow, that's crazy. Did the father of your wife's child c...
violent big indirect expression
  09/09/24
Let's just say Darnell has contributed in other ways
Splenetic orchid chapel foreskin
  09/09/24
lol 180, glad things have improved
beta masturbator
  09/09/24
If you have young kids, that $1.5M will cover college for 1 ...
Cordovan garrison depressive
  09/09/24
cr with a family you need at least $10 million
stirring duck-like sweet tailpipe senate
  09/09/24
i can't tell when people are flaming. $10M is much higher th...
Cordovan garrison depressive
  09/09/24
Cr. If I got just $1m more net after any tax, I could pay of...
Balding titillating stage
  09/09/24
We are beasts of burden meant to die the moment our useful l...
Cordovan garrison depressive
  09/09/24
cr get back in there
Trump is the Lib Killer
  09/10/24
yeah move to Thailand and slash Thai cunnis and live well ti...
razzle-dazzle range
  09/09/24
hey dont tell him my plans
30 million illegals to give us healthcare
  09/10/24
I will prob have less than that when I punch and am not worr...
Brilliant Slippery Native Potus
  09/09/24
Brother. How have you been?
Sapphire Shitlib
  09/09/24
Been good man just busy. Trying to live life IRL a lot more ...
Brilliant Slippery Native Potus
  09/09/24
Good to hear. Glad ur well. Yours has always been one of my ...
Sapphire Shitlib
  09/10/24


Poast new message in this thread



Reply Favorite

Date: September 9th, 2024 7:19 AM
Author: Supple step-uncle's house toilet seat

Risk-free on 1.5 mil is like 75k a year. With a chill WFH sinecure bumping that up to 150-225k, seems like a CR number to just chill out, go travelling, etc.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065303)



Reply Favorite

Date: September 9th, 2024 7:22 AM
Author: federal point clown

what does risk free mean here

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065304)



Reply Favorite

Date: September 9th, 2024 7:23 AM
Author: Multi-colored yarmulke orchestra pit

like sticking another mans cock bareback into ur ass. its risk free

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065308)



Reply Favorite

Date: September 9th, 2024 9:44 AM
Author: aquamarine nighttime locale



(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065600)



Reply Favorite

Date: September 9th, 2024 1:25 PM
Author: Avocado Temple



(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48066535)



Reply Favorite

Date: September 9th, 2024 7:24 AM
Author: Supple step-uncle's house toilet seat

Treasury bonds.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065316)



Reply Favorite

Date: September 9th, 2024 7:56 AM
Author: Laughsome irate gunner stead

30 yr bonds are back down to 4%, and T-bills will be under 5% soon.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065385)



Reply Favorite

Date: September 9th, 2024 7:22 AM
Author: Multi-colored yarmulke orchestra pit

no shit even if u take this shit abt 1m being $5 back in 1991 it seems u just bump it up to $1.5m instead, not even 2m

1.5m seems like good number, thats my goal now im so retarded though

XO is dumb, just following their jew overlords who have brainwashed them to work for life, its so dumb. the US isnt even a good place to live anymore, so wtf is the issue moving somewhere else to just do whatever u want instad of living arnd niggas hoaping not to get murdered

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065306)



Reply Favorite

Date: September 9th, 2024 1:14 PM
Author: Contagious saffron institution nowag

Why hope not to get murdered? Who gives a fuck anyway...we're all checking out.

You get fixated on thinking your number is right for everyone, but you're admittedly retarded and unable to settle anywhere in particular.

My number is a little over $2 million not including 401k. I should hit that in about 3 years. I'll be ready then and will just have to hope my genetics and diet conspire to keep me from ever hitting my 70s.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48066494)



Reply Favorite

Date: September 9th, 2024 7:23 AM
Author: bronze odious national

in the eighties a six fig income made you a big shot. if you're 30 what is 75k going to look like in 2064

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065309)



Reply Favorite

Date: September 9th, 2024 7:25 AM
Author: Supple step-uncle's house toilet seat

That's what the chill WFH Sinecure is for.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065318)



Reply Favorite

Date: September 9th, 2024 7:26 AM
Author: bronze odious national

so you can chill on $1.5m if you plan to work til you're dead?

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065320)



Reply Favorite

Date: September 9th, 2024 7:27 AM
Author: Supple step-uncle's house toilet seat

It's more like roleplay.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065321)



Reply Favorite

Date: September 9th, 2024 7:28 AM
Author: bronze odious national

if fake work 75k sinecures were given out like candy there would be no janitors, waste disposal, etc.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065325)



Reply Favorite

Date: September 9th, 2024 7:29 AM
Author: Supple step-uncle's house toilet seat

In the words of a gorgeous mutual friend of ours, they just didn't want to be tied down by the golden handcuffs of a chill WFH sinecure.

Also, a law degree probably opens more doors to this.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065335)



Reply Favorite

Date: September 9th, 2024 7:34 AM
Author: Sapphire Shitlib

my wife (not a lawyer) has one of these and makes $105k. only became WFH in 2021 (company tried return to work after lockdown and realized everyone was miserable so quickly got rid of its expensive lease in ArlingTTTon, va and went permanent WFH). i asked her recently if she wanted to stop working and she said why bother. she basically sends some emails and gets on a couple calls every day and that's it. she has almost $900k in her 401(k).

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065344)



Reply Favorite

Date: September 9th, 2024 7:35 AM
Author: Supple step-uncle's house toilet seat

180^180

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065349)



Reply Favorite

Date: September 9th, 2024 7:45 AM
Author: pea-brained gold love of her life corn cake

reported to the rbi

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065371)



Reply Favorite

Date: September 9th, 2024 7:28 AM
Author: Mint corner legal warrant

Really depends, if you want to retire to like SE Asia, S.America or smalltown USA you'll be fine. If you want to live in a major, secondary or even tertiary city in the US or W.Europe probably not, especially if you want to travel like you said. Totally FUAAAARKED if you want to have a family in one of those places also. Do you really want to be like 65 and worried about having to slum it because you need to conserve paper?

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065324)



Reply Favorite

Date: September 9th, 2024 7:29 AM
Author: federal point clown

Depends on what kind of standard of living you want in W. Europe. Can be pulled off in Spain or Portugal, if u live like the locals instead of as an expat

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065329)



Reply Favorite

Date: September 9th, 2024 7:29 AM
Author: Mint corner legal warrant

True but I assume OP doesn't want to be a europoor

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065332)



Reply Favorite

Date: September 9th, 2024 7:31 AM
Author: federal point clown

europoor is still better than being a wageslave for kikes in the US

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065337)



Reply Favorite

Date: September 9th, 2024 7:31 AM
Author: Mint corner legal warrant

CONCUR

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065339)



Reply Favorite

Date: September 9th, 2024 8:43 AM
Author: diverse stage

(Literal kike in the USA)

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065450)



Reply Favorite

Date: September 9th, 2024 8:23 AM
Author: diverse stage

Aren't you a (((dual citizen))) my man

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065431)



Reply Favorite

Date: September 9th, 2024 1:17 PM
Author: Contagious saffron institution nowag

Also Southern Italy, Greece, and Croatia. You can live very comfortably in many places, actually, on 7k euro or less per month.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48066513)



Reply Favorite

Date: September 9th, 2024 7:31 AM
Author: Supple step-uncle's house toilet seat

That's what the chill WFH sinecure is for.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065336)



Reply Favorite

Date: September 9th, 2024 7:31 AM
Author: Mint corner legal warrant

Escape the shackles of GC friend, GO FOR IT.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065340)



Reply Favorite

Date: September 9th, 2024 8:18 AM
Author: diverse stage

We all can't live off of daddy like you. Not everyone's daddy sued Americans for 9/11 my man

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065424)



Reply Favorite

Date: September 9th, 2024 8:17 AM
Author: diverse stage

Lol at anyone taking financial advice from 9/11 boy.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065423)



Reply Favorite

Date: September 9th, 2024 7:29 AM
Author: Sapphire Shitlib

wife and i have a bit more than 2 mil invested. i wouldn't retire off that, but it has taken the stress off me in a way that is 180. i was in midlaw when we had our first kid back in 2015 and our nw was around $400k. i was making $180k and was constantly nervous about where my career was headed, what my income trajectory would be, how i'd pay for college, etc.

now, i could give a fuck. i could afford to drive uber or some other bullshit job and still retire pretty wealthy, as long as i let the money grow for the next 15-20 years. as a result i taunt spaceporn here while he threatens me with "bar inquiries" and i lol heartily at him.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065334)



Reply Favorite

Date: September 9th, 2024 7:34 AM
Author: Supple step-uncle's house toilet seat

With a wife and two kids, probably bump that number up to 5 mil. Still 180. At your current income you should be reaching that in less than 10 years, no?

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065347)



Reply Favorite

Date: September 9th, 2024 7:40 AM
Author: Sapphire Shitlib

we hit $1 million in early 2020 IIRC, then 2 mil just 4 years later. i also - for now, anyway - am equity and in addition to getting a $350k (roughly) draw, i'll be getting a payout each Feb of around 100k after taxes and deductions. as it is, based on the draw i am maxing out 401k and saving another 3-4k/mo. i plan to plow all or most of that payout into my ETF portfolio. wife also maxes out 401k and has a 9% match, so that's another ~32k/year in investments.

unless we go into a prolonged bear market, i think we can be at or above 5 million within 10 years. i'd like to fully retire with 15 mil, which i think is possible, since i'm 46.

also, college is more or less fully funded - i have about $250k in 529s that i don't count toward net worth (continuing to put in $500/mo for now, but it's probably overkill).

even if i got SPACEPORNPWNED and had to get a job that just covers expenses (not hard, bc our mortgage is only like $2800/mo and we don't have any crazy expenses), our 2 mil would be nearly 10 after 15 years assuming a 10% rate of return (i know they say to figure 7% or whatever, but that seems overly conservative. that said, if you assume 7%, then it'll be about $5.5 mil after 15 years)



(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065362)



Reply Favorite

Date: September 9th, 2024 7:44 AM
Author: Supple step-uncle's house toilet seat

180

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065370)



Reply Favorite

Date: September 9th, 2024 7:47 AM
Author: Sapphire Shitlib

spaceporn SEETHING at this poast

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065375)



Reply Favorite

Date: September 9th, 2024 7:47 AM
Author: Supple step-uncle's house toilet seat

I wouldn't worry yourself with so very many thoughts of him.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065376)



Reply Favorite

Date: September 9th, 2024 7:49 AM
Author: Sapphire Shitlib

i like harassing and defaming him because he outed me. not worried even a little bit.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065379)



Reply Favorite

Date: September 9th, 2024 9:03 AM
Author: pearly lay

You’re outed? Post your phenotype

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065469)



Reply Favorite

Date: September 9th, 2024 9:04 AM
Author: Sapphire Shitlib

this is zurich. you and everyone else here has seen me and know who i am.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065472)



Reply Favorite

Date: September 9th, 2024 7:50 AM
Author: frum haunted graveyard

I reached 1.5mil a few years ago and thought about doing nothing and traveling. Spending a few months in Portugal and got bored, so I started my own small biz. Now i'm at 5 mil (mostly from the market - biz brings in 250k). I mostly think about getting to 10mil, even though I have no need of it. No stress though.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065380)



Reply Favorite

Date: September 9th, 2024 8:22 AM
Author: Balding titillating stage

$1.5m is better than nothing, but $1.5m is not a fortune by any means and will not support modest spending for my family for any meaningful amount of money. The equation would start to change and tilt toward lack of stress at about $6m. So 2 more doubles. Just let my money double two more times and then I might have maed it.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065428)



Reply Favorite

Date: September 9th, 2024 8:28 AM
Author: provocative mood station

You can relax at any net worth friend$

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065436)



Reply Favorite

Date: September 9th, 2024 8:42 AM
Author: lime out-of-control school cafeteria azn

In 5 years, mid 40s, we'll have ~$2.0 invested and ~$1.5 in retirement accounts. No mortgage or kids. Need to figure out what we'd do for health insurance if we fully retired then, but seems pretty cr to let that $1.5 grow for 20 years while living off $2 ... which we could spend faster than normal because retirement accounts would be waiting for us.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065448)



Reply Favorite

Date: September 9th, 2024 9:04 AM
Author: Sapphire Shitlib

what do your living expenses look like? the 1.5m growing for 20 years will set you up nicely (assuming 10%/year, $10 mil, assuming 7%, $5.8 mil). if i were you, i'd cut back to cushy part time jobs that provide insurance, if possible. barring that, you should be able to live off the $2 mil for 20 years. i'd either leave it in an S&P fund, or put 50% of it into that and 50% into lower risk bullshit (treasuries, bonds? idk, i don't invest in any of that bs).

you and your lover are right about where i think my wife and i would be at this age if we hadn't had kids. they are fucking expensive man. at one point, i was paying like $4k a month in preschool for both (not each) of them.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065471)



Reply Favorite

Date: September 9th, 2024 9:13 AM
Author: Supple step-uncle's house toilet seat

Assuming 10% seems kind of generous.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065492)



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Date: September 9th, 2024 9:19 AM
Author: Sapphire Shitlib

it is, and i tend to be overly cautious so i get i shouldn't be assuming 10%, but if you go here https://ofdollarsanddata.com/sp500-calculator/ you learn that the annualized return of the s&p (dividends reinvested) since 1930 is like 10.2%, and since 1940, it's a bit over 11%. should you count on that return? no. will you get that return? most likely.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065508)



Reply Favorite

Date: September 9th, 2024 1:32 PM
Author: Self-absorbed maize idea he suggested

Those are nominal returns. Subtract 3% inflation for real returns. And those returns typically did not follow record high CAPE ratios like we have right now. Use 5 to 7% real depending on risk tolerance.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48066571)



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Date: September 9th, 2024 2:21 PM
Author: Sapphire Shitlib

what is the point of adjusting returns for inflation? the actual returns have been an average of 10%, so you can calculate what your money likely will be in 15-20 whatever years. and yes you then have to factor in inflation.

if the s&p gets to a point where it's returning an average of 5%, then stocks might not be a great investment anymore (at least US stocks).

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48066718)



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Date: September 9th, 2024 6:22 PM
Author: Self-absorbed maize idea he suggested

Because everyone is listing their expenses in today's dollars.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48067534)



Reply Favorite

Date: September 9th, 2024 9:30 AM
Author: Stimulating round eye spot

thought you meant 1.5MM yearly and was back and forth on it in my brain

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065554)



Reply Favorite

Date: September 9th, 2024 3:44 PM
Author: Hairraiser gay wizard ceo



(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48066974)



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Date: September 9th, 2024 9:37 AM
Author: appetizing keepsake machete forum

If you have kids and they go to private schools then you need about $10M. Education costs and decent housing are the big drains.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065580)



Reply Favorite

Date: September 9th, 2024 9:39 AM
Author: violent big indirect expression

"If you have kids"

I think I spotted your problem

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48065587)



Reply Favorite

Date: September 9th, 2024 1:06 PM
Author: pea-brained gold love of her life corn cake

why would you spend all that money on schools instead of just shoving a big pile of $tock$ in a trust

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48066453)



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Date: September 9th, 2024 4:51 PM
Author: Supple step-uncle's house toilet seat



(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48067209)



Reply Favorite

Date: September 9th, 2024 1:03 PM
Author: Fiercely-loyal windowlicker

I'm approaching $2M net worth and looking into other non-law options. How do people deal with health insurance for their families in this situation? COBRA or buying on my own would be like $50k/yr and we'd still have to come out of pocket for shit.

Health insurance is the one thing holding me back. What a country.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48066432)



Reply Favorite

Date: September 9th, 2024 1:20 PM
Author: Contagious saffron institution nowag

Option 1: move almost anywhere else in the world and get healthcare for almost nothing.

Option 2: get a remote HR job and use it for healthcare and cost of living. Shouldn't be hard if you've been in house at all.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48066521)



Reply Favorite

Date: September 10th, 2024 11:02 AM
Author: 30 million illegals to give us healthcare

gotta love option 1.

USA is great, but u are not willing to slavecuck, then pls leave

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48069718)



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Date: September 9th, 2024 1:29 PM
Author: frum haunted graveyard

I buy my own health insurance and its like 650 a month high deductible plan, and of course its tax deductible off your gig income. How do you get 50k?



(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48066559)



Reply Favorite

Date: September 9th, 2024 2:30 PM
Author: Fiercely-loyal windowlicker

Those are the current premiums I pay. Job has dogshit insurance plans (or at least they don't subsidize at all).

Is the $650 for a family?

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48066747)



Reply Favorite

Date: September 10th, 2024 11:03 AM
Author: 30 million illegals to give us healthcare

i pay 1400/month for a shit policy ($10k deductable!) that does't even include all my family.

ljl

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48069723)



Reply Favorite

Date: September 9th, 2024 1:33 PM
Author: Self-absorbed maize idea he suggested

You live off investment income that doesn't count for Obamacare subsidies. Create just enough taxable income to avoid Medicaid. Move to an expansion state if needed.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48066579)



Reply Favorite

Date: September 10th, 2024 11:01 AM
Author: 30 million illegals to give us healthcare

ive made this point many times and been called a communist

its retarded as fuck that USA is the only developed country where you need to have a full time job in order to provide healthcare or else u and ur family are fucked.

and if u dont have insurance, ur medical bill might be 10x higher cuz u didnt negotiate with them in advance of your emergency treatment.

what a shithole. its designed to make you a slave to ((them))

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48069712)



Reply Favorite

Date: September 9th, 2024 1:12 PM
Author: Garnet razzmatazz main people idiot

For a single guy who has already maxed out social security 20 times and is in his mid-late 40s with no prospect of or interest in marriage or kids, then it’s a no brainer to nope out of coastal metropoli and hie to are country, buy a nice house outright for cheap like a 3/2 1800 sqft 300k place, and live off the 50k per year after taxes that 2M generates with a 3% return. Probably smart to get an easy job with insurance like work for school teaching US history and stare at are country teens all day while indoctrinating the next generation against shitlibbery.



(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48066487)



Reply Favorite

Date: September 9th, 2024 1:15 PM
Author: filthy hot cumskin



(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48066502)



Reply Favorite

Date: September 9th, 2024 1:21 PM
Author: Multi-colored yarmulke orchestra pit

wtf wld a single guy do this? move to some redneck shithole where there's zero social possibilities just to pedo some obese retarded amerikkka sluts?

jfc, just move abroad, its retarded

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48066524)



Reply Favorite

Date: September 9th, 2024 1:51 PM
Author: Contagious saffron institution nowag

Until the roving liberal death mobs begin, it's CR to inoculate the youth to whatever extent possible.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48066632)



Reply Favorite

Date: September 9th, 2024 2:28 PM
Author: violent big indirect expression

You should take advice from Tommy T, he seems very happy with his life choices

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48066741)



Reply Favorite

Date: September 9th, 2024 2:34 PM
Author: Multi-colored yarmulke orchestra pit

thank friend, everyday im like "wow, life is unreal"

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48066759)



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Date: September 9th, 2024 1:27 PM
Author: pearly lay

There is no point in relaxing because “chill” low-paying jobs don’t exist irl and you’d just get called champ for taking one

The point of FIRE or just building a nest egg is if you get fucked by GC like a Gen Xer and literally can’t find any job anywhere at all, then you can chill and not be homeless.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48066547)



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Date: September 9th, 2024 2:03 PM
Author: Contagious saffron institution nowag

You must have had limited exposure to HR. I could be a director-level business partner in my fucking sleep.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48066670)



Reply Favorite

Date: September 9th, 2024 5:05 PM
Author: Splenetic orchid chapel foreskin

During ITE, my wife an I had a negative six-figure net worth, we were both unemployed and she was pregnant. Now we have a net worth over $3 million and relatively speaking we are pretty goddamn relaxed

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48067270)



Reply Favorite

Date: September 9th, 2024 5:07 PM
Author: Sapphire Shitlib

180, how much do you typically put away per year?

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48067272)



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Date: September 9th, 2024 5:14 PM
Author: Splenetic orchid chapel foreskin

We are typically saving 200-300K per year, although last year we bought a condo for my mom so she could live closer

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48067289)



Reply Favorite

Date: September 9th, 2024 5:39 PM
Author: Sapphire Shitlib

that's v good. HHI?

we make ~500k, and we save like $150k. i feel like we aren't saving enough. two kids, though.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48067366)



Reply Favorite

Date: September 9th, 2024 5:57 PM
Author: Splenetic orchid chapel foreskin

We make 600-700K depending how my wife's firm is doing. We also have two kids. After she made partner she decided cooking and housework were beneath her so that's also costing us

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48067437)



Reply Favorite

Date: September 9th, 2024 6:03 PM
Author: Sapphire Shitlib

180, is she in midlaw?

i'm at a regional midlaw firm with like 700 attys and make just under $500k as an equity partner. is this a TTT embarrassment? maybe so but i'm more preftigious than spacecorn.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48067459)



Reply Favorite

Date: September 9th, 2024 6:08 PM
Author: pea-brained gold love of her life corn cake

I make 40000k

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48067482)



Reply Favorite

Date: September 9th, 2024 7:24 PM
Author: Splenetic orchid chapel foreskin

Yeah, she is in midlaw. She actually made more than that during the SPAC boom but probably won't reach that again

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48067725)



Reply Favorite

Date: September 9th, 2024 5:43 PM
Author: violent big indirect expression

Oh wow, that's crazy. Did the father of your wife's child contribute child support at all?

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48067382)



Reply Favorite

Date: September 9th, 2024 5:49 PM
Author: Splenetic orchid chapel foreskin

Let's just say Darnell has contributed in other ways

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48067406)



Reply Favorite

Date: September 9th, 2024 5:55 PM
Author: beta masturbator

lol 180, glad things have improved

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48067430)



Reply Favorite

Date: September 9th, 2024 5:52 PM
Author: Cordovan garrison depressive

If you have young kids, that $1.5M will cover college for 1 child following 15 years of inflation and no growth since your pulling it all out to pay living expenses.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48067416)



Reply Favorite

Date: September 9th, 2024 5:59 PM
Author: stirring duck-like sweet tailpipe senate

cr

with a family you need at least $10 million

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48067448)



Reply Favorite

Date: September 9th, 2024 6:07 PM
Author: Cordovan garrison depressive

i can't tell when people are flaming. $10M is much higher than I'd need.

With 4 kids, I would not be comfortable even semi-retiring (i.e. i take a chill, low paying job just to pay day-to-day expenses), unless I had $2M outside of retirement accounts and no mortgage.

At that point, I'd have enough to get them all to adulthood debt free and be able to help them out financially when they need it.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48067475)



Reply Favorite

Date: September 9th, 2024 6:17 PM
Author: Balding titillating stage

Cr. If I got just $1m more net after any tax, I could pay off all my debts, fund my kids’ 529s to appropriate level.

With another $1m in retirement after that, I’d start to relax a bit I think.

Actual retirement? Lol no thank you.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48067514)



Reply Favorite

Date: September 9th, 2024 10:13 PM
Author: Cordovan garrison depressive

We are beasts of burden meant to die the moment our useful lives expire. Retirement is an affront to nature.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48068292)



Reply Favorite

Date: September 10th, 2024 10:44 AM
Author: Trump is the Lib Killer (TDNW)

cr get back in there

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48069642)



Reply Favorite

Date: September 9th, 2024 10:05 PM
Author: razzle-dazzle range

yeah move to Thailand and slash Thai cunnis and live well till you die



(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48068262)



Reply Favorite

Date: September 10th, 2024 11:01 AM
Author: 30 million illegals to give us healthcare

hey dont tell him my plans

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48069713)



Reply Favorite

Date: September 9th, 2024 11:56 PM
Author: Brilliant Slippery Native Potus

I will prob have less than that when I punch and am not worried about it

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48068667)



Reply Favorite

Date: September 9th, 2024 11:57 PM
Author: Sapphire Shitlib

Brother. How have you been?

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48068668)



Reply Favorite

Date: September 9th, 2024 11:59 PM
Author: Brilliant Slippery Native Potus

Been good man just busy. Trying to live life IRL a lot more and chasing kids around.

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48068672)



Reply Favorite

Date: September 10th, 2024 12:07 AM
Author: Sapphire Shitlib

Good to hear. Glad ur well. Yours has always been one of my very favorite monikers

(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2...id#48068709)