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UTGrad98

Certifiably Surly
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Everything posted by UTGrad98

  1. Men of 10. Jester. 93. All my rich friends lived in Castillion. I was poor as shit.
  2. At least I know now which day in hell I get to live over and over again
  3. Saban talking at halftime was weird. Reminded me of his aflac commercials. He looked like he wasn't up.for the game either.
  4. Should have gone for 2.
  5. Reffing today reminded me of the osu game with Charlie strong. Unfucking believable. I need to get used to it. Disgusting shit and I feel bad for our players
  6. That is correct and is what our plan is as well. Doctors visits are about 7 to 10 dollars and the supplemental insurance is quite affordable.
  7. To me that looked like he benched Card because he couldn't get the play off. Sark seemed pretty upset and it really should have been a delay of game. Wright came in shortly thereafter
  8. Too many damn flags. Refs need to step aside.
  9. I do and this way of living fits my personality. I have been a minimalist my entire life. I enjoy saving and finding ways to cut costs where it is feasible. I currently save 50-55% of my gross income per year, much higher % if I use my after tax income to calculate. My wife and I both work full time and will do so for at least the next 4-7 years. I am 46 years old. Our current expenses are around 50k a year. After that we are looking at a few different options. We can move to Mexico where her parents live. We can continue to work full time and pay off the house, then go part time. Or we can just go part time at age 50. I believe the part time retirement plan is called BARISTA FIRE. I am not worried too much once I hit 65. It's the years from 50-65 where there could be some anxiety. The big expenses if we retire early are house payment/property taxes, govt health insurance and unforeseen significant expenses ( new health issues). If we pay off the house first (which we are leaning to do), after that our bills and travel budget look to be about 40k a year. This includes property taxes, a 10K travel budget per year, and health insurance. Paying off the house will add another 3 years of full time work, so then Im 53. 40k a year expenses x 12 years (65-53 years old) = around 500k. At 65, my wife and I will (probably) get about 3k a month in SS which will cover most of our expenses and significantly extend our retirement funds. We are calculating 2% inflation and 4% returns both prior to and after retiring. Once I retire I will learn Spanish and start a gaming company. My brother and I want to write a novel so we have that on our list as well. I am not worried about being bored. If we decide to move to Mexico, our bills are about 500 dollars a month as we would live at and inherent her parents houses, which means we can move there tomorrow if we want. Anyone else thinking of retiring well before 65? I currently use these 2 calculators https://www.bankrate.com/retirement/calculators/retirement-plan-calculator/ https://engaging-data.com/fire-calculator/
  10. Would it not have been smarter to stay at the park in Wyoming where they both would have been reported as missing. Been found missing days or weeks later and blame the guy who killed the other 2 campers. He was knocked out and left in a remote part of the park and she was gone when he woke up.
  11. All of this. I work at the job I do to provide for my family. I save the way I save so that one day I can do the "jobs" I want to do. I'm not going to go to my wife now and say honey I want to create a video game. It won't pay any money for 3 to 4 years and isn't even assured of making money. Oh and there is a good chance I'll have to take out some sort of loan. Unless you are an amazing writer, artist, athlete, most of the high paying jobs in our society are stressed filled thankless jobs which require a lot of time and energy. My wife and I don't have to worry about money but our trade off is high stress and feeling overworked. Hopefully it pays off in about 4 to 5 years.
  12. So has the press conference started yet? This thread doesn't indicate that it has.
  13. They had apparently gotten unengaged right before or during their trip. She probably ended the relationship and then he snapped.
  14. No, he came back with the car and then told his family he was going hiking and left with his backpack into the wilderness. Nothing shady going on here. The guy might have fucked his own family too. If he confided in them and then told them he was leaving and they didnt stop him or say anything to police. Apparenlty the poloce came to the boyfriends house and the parents said, "Oh he went hiking. Hes been gone since Tuesday. "
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