patrick.net

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Its about cash flow given the lifestyle

That means cutting back on expenses, but having free time which is valuable

And that means you could find work for supplemental income like freelance (door dash, spark driver, online instructor/teacher, rat race rebellion website, etc) or start your own company like Garage Door Doctor, etc

I know people that are very happy living in a large RV at age 35 with their home schooled kids (who participate in team sports and attend church activities including the church's school teaching chemistry, physics, and advanced math) and working on micro farms in the mountains as well as doing all sorts of gig and freelance work ; fortunately for Starlink they have good internet

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AD says

I know people that are very happy living in a large RV at age 35 with their home schooled kids

Couldn't live that way myself. Location matters the most. You'd have to buy the land, preferably acreage so neighbors are further away. White trash is as bad as inner city criminal blacks. They'll rob your place if you're not around.

Also RV's will have something break multiple times a year. Similar to a boat. If it's your "house" it can be stressful. You can't necessarily head to a hardware store and get parts. Some might need to be ordered or an RV store nearby. You could be without a toilet for a week.

I just want a house that I know is going to work. Besides the initial rehab we've literally, knock on wood, have had no issues mostly. Only issue was the pool. We got 10 years out of it when the kids would use it the most. Filled it in this summer. Pools are like boats, have friends with one.

WookieMan says

Pools are like boats, have friends with one.

Use the community pool or get a plunge pool. Every pool I see seems to be made for a family of 6 with friends over all the time. A plunge pool will be cheaper to buy and maintain, and take up less space.

GF wanted a RV at one point, and I'm glad she got past that. Those things are a giant sinkhole of time and money. I think they only make sense if you live in it full time or use it a lot and have kids. For just 2 people a hotel is better and cheaper.

zzyzzx says

WookieMan says

Pools are like boats, have friends with one.

Use the community pool or get a plunge pool. Every pool I see seems to be made for a family of 6 with friends over all the time. A plunge pool will be cheaper to buy and maintain, and take up less space.

Community pools and sports courts are among those things worth paying dues for instead of maintaining them yourself (and being responsible for them).

On the bright side, investments in euthanasia suicide pods is a growth prospect.

https://t.me/epochtimes/113474

Ceffer says

On the bright side, investments in euthanasia suicide pods is a growth prospect.

Got a ticker symbol?

gabbar says

So, I stumbled on this facebook video short and took a snapshot of it. What are your thoughts about middle age, retirement and retirement age?

I'll say one thing

They always emphasize the MONEY not the TIME it takes to retire.

Imagine if an 18-25 year old worked one extra shift every so often and put $400-500/month in an IRA/401k starting at around 19 and kept it up for just a few years, where they would be at 30, 40, 50.

At age 52 that kid would have about a million bucks.
If it's a 401K, he'll owe Uncle Sambo $200,000 bucks.
If it's a Roth IRA, he'll owe Uncle Sambo zip, nothing, nada.
I've talked to a ton of people younger than I am about investing in a Roth IRA; they often take my card so they can ask me questions.
Not one of them ever asked me any follow up questions.
Few people want to save money and few people want to think about the future, few people want to make plans for what to do in the future, it's just running on the hamster wheel for most people.
Some get married which means they'll likely have kids and be broke pleasing the harpy demanding to provide for them anything their heart desires.
"Don't get me started!"

There is one kind of RV that might make sense.

You like camping, and get a teardrop or other tiny trailer just for an AC, Bed, Water, and as a Power Source and it weighs under 3000lb. and can be towed with almost anything.

clambo says

If it's a Roth IRA, he'll owe Uncle Sambo zip, nothing, nada.

As gratifying as that sensation might be on paper, the premise of the Roth is that the government gets its taxes today on your hope that taxes will be higher and that you will make out in the future, like, the distant future, and that your lower net compounding money bolus will somehow prevail and outperform over extended time.

If you do the Monte Carlo geusstimators, they show that the projected advantages of a Roth are so slight and at such older ages (decreptitude) that there really isn't that much of an advantage. I would rather make the Guv wait for their taxes.

Most people who make Roth 'work' shift money into them when they are in lowest possible tax bracket and use it when in higher tax brackets.

However, the psychologic pleasure of giving the Guv and its taxes the bird finger, if only allegorical, might be worth it.

socal2 says

Wish it worked on rabbits.

Rabbits are quite edible. Just sayin.

zzyzzx says

Ceffer says

On the bright side, investments in euthanasia suicide pods is a growth prospect.

Got a ticker symbol?

I bought SCI when I realized a lot of people are dying from the vaxx. I'm up 32% so far.

zzyzzx says

Ceffer says

On the bright side, investments in euthanasia suicide pods is a growth prospect.

Got a ticker symbol?

GRMRPR

AmericanKulak says

They always emphasize the MONEY not the TIME it takes to retire.

Because as you get older, the most precious commodities are time and health. You can't always game those with just money.

Also, all of those nursing home politicians (or their dead name avatars) are definitely on Satan's treadmill, because after 60 or so most people would like to kick back, travel and enjoy their grandkids, not spend 90 minutes in the makeup wagon every morning to dance in the clown show.

mell says

Community pools and sports courts are among those things worth paying dues for instead of maintaining them yourself (and being responsible for them).

Agree if in a community. Pool at the new house will be 100% automated though for me at least. Heated 24/7/365. Not hot, but so it doesn't freeze in winter. Auto cover. Salt water chlorine generator. Floor cleaners and floor drain. Everything on timers and automated. Hoping to only open and close the cover and check the chlorinator every 3 months.

I've spent at least 100 hours researching everything. All the gear will be in a heated garage pop out room. So I never have to winterize. Hot tub can be bumped when we want to even in winter. Likely by phone. This will cost $100-150k, but whatever. Knowing I'm getting older I'd rather do laps in the pool for exercise with less wear and tear on the joints, and knees specifically. Kids will still use it.

I like grilling and cooking, but not a huge fan of entertaining. A pool is nice though. We're the only ones on both sides of the family that will be able to pull it off for things like Thanksgiving and Xmas. Wife has 4 sisters and I think 10 nephews and nieces. Get togethers are about 20 people. That doesn't work at anyones house in the family.

I just want the hot tub more than anything. I want a sauna as well. Might custom build one.

Patrick says

Rabbits are quite edible. Just sayin.

They can also carry Bubonic plague in California!

I think that is why the coyotes and owls leave the rabbits alone (at least on my street) and eat our pets instead.

We lost 2 of our indoor/outdoor cats when we moved here. Now cat #3 is strictly indoors.

socal2 says

Patrick says

Rabbits are quite edible. Just sayin.

They can also carry Bubonic plague in California!

I think that is why the coyotes and owls leave the rabbits alone (at least on my street) and eat our pets instead.

We lost 2 of our indoor/outdoor cats when we moved here. Now cat #3 is strictly indoors.

I wouldn't touch a rabbit. My game meat only goes to deer (venison), bison and elk.

Even if they were good and didn't have the plague, you'd have to kill 3-4 to get a meal. Unless you have master knife work, you're looking at probably an hour plus to skin them to the meat. With the other animals I mention it takes longer, but you can fill an entire freezer that will last 3-12 months. So I'm out on rabbits.

WookieMan says

Just watched a live Edgar Winter Frankenstein cover I did. I need to get those chops back. Played the percussion and drum part in the solo. One of the hardest covers I did

One of my old bands used to cover Frankenstein. I was the keyboard player. I had the synth parts nailed, and it would blow people's minds when the "mothership landing" part kicked in. The drummer in the band was a monster - veteran of Broadway, Reno, you name it and he'd played it. Good times.

That thing probably has rabies too!

I got my backyard under control since I have a fence and can plink them with my Daisy pellet gun. But I can't safely shoot in the front yard without freaking out neighbors. The rabbit shit-balls and urine really burn up my grass and they come back to the same patch over and over again making it impossible for the grass to grow back.

Looks pretty healthy to me.

Cooking should kill off plague, which is very rare anyway. Worst case, antibiotics are very effective at curing all forms of plague.