Watched the Money Guy Show on YT episode: “The truth about Fire” - their calc is (cash flow needed / SWR at retirement) x (1+rate of inflation)^no. of years to get to goal

All calcs that I had done previously for Fire projections leveraged formula: estimated annual expenses / withdrawal rate

My Fire Projection went from $4.3m > $7.3m! Do others include inflation in their projections and were my original calcs way off?? New to FIRE and now feeling overwhelmed at this difference.

How do you take care of your dog if you travel for work with your dog? Does your dog get enough exercises when you’re in travel? If it’s possible, I would like to know everything.

If you’re at a small creative agency that mostly does project work, does that mean you’re perpetually pitching?

Hey Portland!!!
Wondering cost of living in and around portland?
I’m thinking about moving from SF to Portland for a great job salary starting around 90k. I’m 30 years old with 1 child who lives with his mother.

I was married for 3 years & she left 1 day bc she realized that she was no longer “happy”. A week later, I caught her in a parking lot w/ her coworker & finalized the divorce. In my mind she was perfect in every way except for the infidelity. After 8 months of therapy and on and off dating, I got into a new relationship but I became commitment phobic & see flaws when I compare my ex to my new gf. 1yr has passed now and I still feel like I’m settling and not mad in love. Wwyd? 2y since divorce.

Today is joining day. Nothing happened. Onboarding is said to be virtual but no link was received. Any one else having different experience?

Hello there! I'm 11 years experienced and into testing. Interested to change my role into a Scrum master. Need to understand below
1. Future of Scrum master role ( with certification)
2. Payscale of a Scrum master

Any recommendations for books/CLEs/resources for intro to corporate and transactional work? Real basic stuff, just to get familiarized with the landscape.

Recently received notice from landlord rent is going up ~20%. For reference, it is privately owned condo and did not sign at a COVID discounted rate. Super frustrated. What are others seeing for rent increases?

Landlord is raising my rent from 2,300 for a 1 bed/ 1 bath to 4,200/ a month; this bowl is more for networking, but if any professionals need a roommate February 1st in Brickell or Downtown, please let me know.

I saw this and thought I'd share. What do you say? “Diversity hiring does not mean a lower bar for diverse candidates. They still need to interview and pass the hiring bar. Therefore, diversity hiring is not unfair to other non-diverse applicants."

Hi All

Awaiting offer from Tech mahindra
Client KPN Telecom
Network security

How is this project and wlb
Location Bangalore.

Please advise

I'm interested in applying for a Senior Program Manager role at Splunk. Does anyone have insights into that specific role there? Culture, balance, career path? Thanks!

Hot mess Monday at work but hey, at least we got this one 506/4

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What’s the best place to work in pharma these days?

What industry companies ( health plan or providers) pay well and has a good wlb?

I have been interviewed on 23rd April and was asked to upload documents on the same day. From that day my application status is Review in Progress. Does anyone have any idea till when I can expect call from HR.

Hi Friends, i attended 2 client interviews and both went wrong. I don't know what to do. I am new to EY GDS......Is anyone faced the same ?

I teach elementary Spanish and we’re celebrating Hispanic heritage month. My 5th graders are researching famous hispanic people. What are appropriate website they can use to do their research?

Single and childless but would like kids. High income and maxing out all tax advantaged accounts I can but was thinking of starting a 529 in my own name to be transferred to future kids. If I don’t have kids maybe transfer it to my nephew. Thoughts, pros, cons?

I think everyone on this forum would be really fun to work with compared to the corporate zombies I often interact with. Have you identified other FIRE peers at work? If so, how did you find out and what did you think of them?

I was once at a dinner with a second year analyst, consultant, and partner, and the analyst said he planned on retiring by 30 and the partner and consultant laughed. Little did they know, the analyst owned his own home and rented all the rooms out so he payed no rent, never ate out, only grocery shopped, and very very rarely bought anything new. He saved most of his income, and was perfectly content with just his video games. That man was serious about not being stuck working forever.

FIRE - What is your total net worth so far? What's your profile?

How much of a nest egg would you expect a couple to collectively need in order to retire at 40 and live relatively comfortable (not lavish)?

Does anyone know how to get funds that was in a 401k account years ago into your current IRA?

I’m considering building up my I bonds to eventually replace my 6 month expenses emergency savings account. Any downsides I’m not considering? If I slowly ramp up and ladder, I can partially withdraw any amount if I need to after a year. Even with lower inflation in the future, I’m guessing it’s going to beat a savings account yield. Thoughts?

I’ve been reading a lot of FIRE books lately and want somewhere to discuss. What are the biggest takeaways from your FIRE journey/ research?

I contribute 10% of my paycheck to my employee share purchase plan. Is this smart to do given the tax repercussions behind it? Is it smarter to invest less in that and more in my Roth or 401k?

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

When do you predict the dip? I've been waiting for so long, but don't want to buy now. VTI seems inflated.

Does the 25X rule take into account long term capital gains tax of 15%? Like if I know I need 40K to survive, do I need $1M, or more to make up for the tax too?

Any disadvantages to buying VTI (manually) vs. VTSAX (automatically)? Apart from convenience/removing emotional decisions. Fidelity charge $75 to buy any amount of VTSAX. Seems insane fee when you can just buy VTI for free. Am I missing something here?

Do you think house prices in NJ will go down/up? Thinking of buying a house in 9-12 months and saving. What % is a good down payment? (First time home buyer here)

Has anyone seen data on how certain ETFs perform relative to market cycles and to each other? Does that indicate one should own a mixed basket of ETFs or just one or two broad index ETFs?

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?

Thoughts on ARK innovation ETF

Have 50k in brokerage to put towards buying a place in Atlanta. Young 20 something who's lease is ending soon

Roth IRA and 401k are well funded but don't want to pull from there.

Should I buy and rent the extra bedrooms to friends, or stay renting and put savings in stock market?