I guess there's no money in just telling people to buy VNQ in their ROTH.
1,333 karma · joined February 12, 2012
I guess there's no money in just telling people to buy VNQ in their ROTH.
Buried three sentences from the end of the article, after a wall of ads and filler (I'm impatient).
If you have a good 40m to run, then I would also do interval sprints.
They could just not want to be even considered a candidate for blame.
For example, if I was ever asked to babysit someone, I would want them to install a camera pointing at me at all times, for my sake and their peace of mind.
My eyes are -10.5 each and my biggest risk is retinal detachment.
Asking because my web developer wife, who happened to have majored in art and philosophy, is currently unemployed and kinda bummed about it.
Also them being a manufacturing powerhouse, I think they may have enough, even if they're at low point in the economic cycle.
It wouldn't be smart and even the invasion were successful, not sure what they'd gain, besides more hate from all of Southeast Asia and maybe Western sanctions.
I have family in Taiwan and I'm told their military isn't very well funded or equipped.
So I think you'd need an additional 2-3% return on that interest-bearing account just to account for inflation.
In most cities the price to rent ratio makes no sense so I'm a renter for life. I do fantasize about a 2.5% fixed 50-year interest-only mortgage and never paying it down. If only those existed. I think Sweden comes close but the rates there are adjustable.
A big part of "retirement" is feeling financially secure. I'm sure Pete (MMM) practices what he preaches for the savings rate part of FIRE, but when I quit my job, the lumpiness of my investment returns made me very uneasy.
Having a steady stream of income outside of your investments makes the "safe withdrawal rate" part of the theory kinda moot. (By the way, here's some nuance to Bengen's 4% SWR: https://www.youtube.com/watch?v=z7rH7h7ljHg)
Nowadays my FIRE stance has softened to "it's nice to have this pile of capital in case things go wrong" and frugality has always been my nature anyway.
He himself also retired with a free and clear home and a free and clear rental home, which meant he didn't have to tap into his capital, not to mention $400k annual blog revenue shortly after.
But generally I enjoyed his articles over the years and a high savings rate combined with investing is always a wise choice.
My comment was a self-reflection of my failures in taking advantage of leisure time.
I've backpacked for 8 months and moved to a different country. It's all pretty boring, and I haven't found a hobby to stick to.
It seems like your comment implies not only did I not read the article but that I misunderstood the premise.
Modern civilization's cult of efficiency combined with the ease of frivolous entertainment must have beaten the leisure out of me.
Now I'm working the same dead end job again and I don't mind it. When I'm not working I'm consuming YouTube, HN and reddit. Not sure how to love idleness again.
I used to be able to sit still for an hour at a time (meditation).
Lifting only takes like 5 minutes of actual movement per day. Guess I need to go play some basketball because walking one hour a day plus calisthenics just won't cut it.
Yep it was an accounting change.
Though the additional wave of stimmy checks plus continued buying of MBS during 2021 was definitely not good for inflation.
I've seen estimates that TikTok would be valued at $250B.
Bytedance (parent company) had $120B revenue in 2023.
Also cavities and gum disease are not the same.
It's a shame but I feel like this is the trend all over East Asia - work super hard and compete from the age of 5 and for what?
I'm lucky my father shipped me over to the US to live with my uncle because it was easy mode compared to Taiwan.
Though I have this paranoia that mouth tape will increase my philtrum length, which I know is a vain worry. Another solution is one of those incline pillows - just a 20% gradient should allow me to back sleep, which I prefer.
Post-surgery I had my jaws wired shut and they had this chin strap that was like an ace bandage that around my head and chin. I could replicate that with one of those mouth guard combined with a chin strap, but I read somewhere that this would eventually pull the upper jaw down towards the airway as well (since maxillary plates are not fixed.)