AnonymousActuary
No bio...
User ID: 2163
AnonymousActuary
1d ago
fair - the immediate concrete decision is how much to spend on finishing our basement (ie adding extra fun features) and how much to go on extra nice vacations the next few years (think ski trips with lessons to teach our kids).
Just staring at high 6 figure retirement account balances and wondering if I should be rethinking my allocation of present to future a bit more (early 30s, for reference)
tagging other repliers for visibility: @birb_cromble, @TowardsPanna, @Mihow, @stolen_brawnze
AnonymousActuary
1d ago
correct, basis points
AnonymousActuary
1d ago
Have any of you thought about moving spending forwards vs saving for retirement with seemingly numerous multiple crises coming down the pike in the next few decades?
Thinking: AI Global fertility Global debt (insert other left or right-coded flavored crises here as desired).
Just seems like my desire to put away money for 35 years from now versus making memories with family and friends now has started to decline.
I guess option 1 would be just to cut 401k contributions down to the match level instead of maxing? I've had trouble saying no to the immediate tax benefits, but seems like the move.
Would love cash out refi if interest rates were lower, but not looking to add several hundred beeps to my mortgage.
AnonymousActuary
1d ago
Eh I don't know, his kids are what, 2? 6 and 2 are very different ages.
AnonymousActuary
4d ago
have some kids?
AnonymousActuary
5d ago
I think this goes too far - she certainly was anti-illegal abortions and preferred contraception, but I wouldn't think of her as anti-abortion in a pro-life sense.
AnonymousActuary
5d ago
@quiet_NaN this is interesting to me because I feel like high-school level homework (and to some extent college level) was actually helpful for me.
Doing the readings in history and typing up notes really helped me remember history better Doing problem sets in Calc I-III and professional exams helped me remember concepts better than I would've otherwise (though I still forgot most of them within a few years) Doing coding assignments in CS 101 really helped me be able to code.
Maybe it's more about elementary and middle school homework?
Yeah I think I'm more the reverse haha - looking for ways to push retirement back further to have more money to spend on the present. And just trying to decide if it's worth unwinding prior investments at all to do so.
More options
Context Copy link