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SydneyCarton

Certifiably Surly
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Posts posted by SydneyCarton

  1. 16 hours ago, Superhero said:

     

    Pulling the pin at 59 when my son finishes HS might work. By then we'll be sitting on ~$8M. It should be enough to last us for 20-30 years assuming we we keep our monthly expenses below $10K.

    But I also want to drink 18 YO whisky instead of 4 Roses, so working 'til I'm in my early 60s doesn't seem terrible.

     

    16 hours ago, Larry T. Spider said:

    Back of the napkin math says 8 mil gets you 26,000 a month at a 4% draw rate. Thats also assuming no other income. Obviously have to factor in taxes, but what am I missing? You would probably die with 15+ million.

     

    8 hours ago, Superhero said:

    Must’ve someone else. I could stand to lose about 5-10 lbs, but health wise I’m doing okay.

    The calculations you guys came up with are pre-tax. Like I said earlier, my target is $10-12k/month after taxes. Sounds like a lot; but $1k for tithe, $2k for health insurance, $2k for property tax and home owner’s insurance, $1k for utilities and groceries, $1k for auto. That leaves $3K for eating out, entertainment and vacations.

    There are probably things we can do without. Right now we’re doing fairly well, but between everything I mentioned above, add in kids’ stuff, we’re still watching our cash flow at the end of each month.

    I know it might not exist, but I have to think you’re going to have 5-10k a month in social security payments if that’s still around once you hit 65 or whatever age. 
     

    there’s a free Monte Carlo site I use that I can dig up, and I estimate 80% or my retirement income  being taxable, and I budget 15k a month, and it estimates In still most likely to grow our egg even retiring at 55 with 5 million. 

    • Like 1
  2. 1 hour ago, Brisketexan said:

    If you'll write me some Susanna Hoffs fan-fic involving young Brisketexan and some Popeyes....I'll read it.

    This is a board of degenerates, but I'm not sure even we want to read "Brisket verily admitted that he'd crawl through broken glass to let Susanna Hoffs shit in his mouth, as long as her last meal was Popeye's."

    But now they're going to read it anyway. 

    • Hook 'Em 1
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  3. 2 hours ago, Superhero said:

    Jealous of those of you who can retire early. I'm too conservative to pull the plug until my son gets out of college. By then I'll be 63 and hopefully in good enough condition to enjoy a few more decades.

    My dad retired at 62 and has been loving the past 23 years - traveling with my mom, visiting the grandkids and watching them grow, writing books. I don't have someone like my mom taking care of me, so maybe I'll kick it a lot younger than him.

    Your wife trying to kill you or something?

    You need to do the math and get over it. With what you’ve said you have, go should be able to retire easily at 55, even living in Cali? You don’t have the college money set aside or something? 
     

    I’m eyeballing HS graduation. Of course a lot has to go right in the next 10 years…

  4. 5 minutes ago, elfenix said:

    I forget the Schloztsky's is there despite driving by it damn near every day, how the fuck am I supposed to remember there's a cinnabon inside?

     

    I'm told the bar/hookah/burger/bagel money laundering place is actually kinda good. I remember when that spot was a popular bar that inexplicably decided to remodel and rebrand, making everyone move down the street to the place that is now Nadine's. That place was one of the first Washington Ave. nightlife spots (the Vatican down at the other end had been long closed by then, afaik). 

    I believe it was called The Social. It had the rest rooms with windows at eye level that looked at into the bar. 

    Fucking no one is going to Nadine's. That pace has failed as Kobain's, Darwin's, and at least 2 other name's. It's got bad parking, I just don't see how it's ever going to succeed.

    I am amazed Porch Swing is still in business. It's looking pretty ragged these days. 

  5. 53 minutes ago, elfenix said:

    They're putting in a 3 lane drive through with walk up windows (no inside dining) CFA near me in Houston. It'll probably be the best thing ever for the Schloztsky's across the street.

    What, no love for that POS cinnabun? What about the hookah/burger/endless stream of bars/money laundering operating right next door?

    • Haha 1
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  6. 11 minutes ago, Incredulity said:

    Lets be frank.  A million dollars in wealth today is not an outlandish figure.   

    I believe this board is mostly Gen X with some Millennials and one Pre-Columbian.   Anyone who has owned a home over 15 years, contributed regularly to a retirement account and didn't HAVE to keep up the the joneses/divorced/developed a crippling drug habit is very likely over a million in NW.   

     

    A million dollars in today's world doesn't even constitute "wealth." 

    It constitutes "I might able to retire one day and be able to eat and pay medical bills." That's about it. 

    • Hook 'Em 7
  7. 14 hours ago, Superhero said:

    When you guys are planning for retirement, are you counting on social security income?

    I'm planning on retire in 12 years, and not counting on social security to be solvent. Getting anything would be like a cherry on top.

    I'm planning on it being insolvent, but everything is a bonus. 

  8. 1 hour ago, Goofyboy said:

    I have wondered what the breakdown of this site is and how that reflects the actual US population. We have 1 wealthy guy. A few of us are in the $5M range. Some in the $1M range. Rocco fit somewhere in here.

     That you know about. This site has more than one "wealthy" guy, there's at least 4-5 "wealthy guys," and I'd guess probably 15-20 or more in the $5 million range.

    There's probably a lot of engineers and lawyers worth well over a million just based on long careers and retirement funds, particularly if we're including home equity. 

    I think it's more like an iceburg. 80% of it is below the water and doesn't post or you'd never know about it. Someone here probably invented a Jump to Conclusions mat. 

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  9. On 10/24/2025 at 10:18 PM, Da Fino said:

    This is the best I’ve ever had. I can’t remember who recommended it, but thank you. This is going to replace everything but the staples. 

    IMG_6156.jpeg

     

    On 10/25/2025 at 8:30 AM, Biff Tannen said:

    This is quite good. From Canada too, IIRC. 

    What kind of Hot Sauce is it? Any analogues? Is it more smokey or super hot?

    Looks like it's at Whole Foods and Cost Plus. 

  10. On 10/24/2025 at 7:28 AM, WhatTheBuck said:

    I might’ve posted something similar to this before. It’s not the first mixed bag of Doritos I’ve seen. But it’s so fucking stupid. I’d like to try the pizza chips. But I don’t want to pick them out of a bag of Cool Ranch and no doubt there will be crossover between the seasonings. If they happen to be in two separate pouches inside the larger bag then that would be different but still stupid because I’m kind of meh on Cool Ranch. I thought they were awesome when they first came out. But I guess you could say I’ve cooled on them since then. So I won’t try the pizza chips because of their stupid packaging.

    IMG_0539.thumb.jpeg.354f56fa9d9f74fc88f56a24bfcb4770.jpeg

    Nope I'd crush those. 

  11. 5 hours ago, Hank_Hill said:

    Don’t you and CTJ split a SEZ suite or something? Yea I’d say no probably about it lol.

    There’s a lot of different “suites” in the SEZ. We split the cheapest one, which is basically an outdoor alcove/partition with chairs and a mini fridge. And we were each given a 7 year layaway pay for our halves. 
     

    the big “suites” you’re probably thinking of were 10 million a pop. Don’t get me wrong, I fucking love my seats and they were a great investment for my family, but any one here who’s paid private school tuition for a kid for a few years spent more money than my seats cost my family. 
     

    I’d be shocked if my net worth is even top 10% of this website. 

    • Hook 'Em 1
  12. 20 minutes ago, Macanudo said:

    Again, I think targeting Christmas is a no-win.   Most people wont do that.

    But man, the Fox News "War on Christmas" segments this winter would be next level. 

    • Rage+1 1
  13. Just now, OneOfTheOutOfFocusGuys said:

    hard to make anyone care about that when we're all getting rich in the market.

    "we're all" and "getting rich" doing a lot of work there.

    I'm probably in the top 5% of America, and while I'm not by any stretch complaining, the gains I've made since Biden took office, while tremendous, aren't exactly "getting rich" money. 

    Someone posted some article in another thread yesterday or the day before that while 160 million Americans have money in the stock market, 10% of the uber wealthy own 90% or the market, or something like that. Here's an article with a link to a net worth calculator by Kiplinger. 
    https://www.kiplinger.com/personal-finance/605075/are-you-rich

    The difference, per that article, between the 5% and the 1% is staggering, and we've all seen the different illustrations of the difference between the 1% and the billionaries.

    The point I'm making, is I'm better off than more than 90% of America, and I'm not getting rich, and I fucking care. A lot. Because everyone else is getting screwed.

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