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PaperclipPerfector  12hr ago (text post)   441 thread views

Friday Fun Thread for July 18, 2025

Be advised: this thread is not for serious in-depth discussion of weighty topics (we have a link for that), this thread is not for anything Culture War related. This thread is for Fun. You got jokes? Share 'em. You got silly questions? Ask 'em.

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Fuck You

You get up 2.5m dollars any asshole in the world knows what to do. You get a house with a 25 year roof, an indestructible Jap economy shitbox, you put the rest into the system 3-5% to pay your taxes, and that's your base, get me? That puts you for the rest of your life at the level of "Fuck you". Someone wants you to do something? "Fuck You." Boss pisses you off? "Fuuuuck You." I have a car, and a house, and a family, and it's all paid for "Fuuuuuuuck You."

I remember seeing this clip go viral years and years ago. It's inspiring and terrifying in equal measure, and supposedly the movie it's from isn't even that good.

I am tantalizing close to reaching this goal. Got the house, got the paid off cars, got the family, and the last several years my investments have appreciated more than my yearly income. One year it lapped it. I still contribute to my investments, though my contributions are dwarfed by appreciation to such a degree it makes me question the utility of it. I originally wrote a post about what lessons I'd thought I'd learned to get here, but it felt like I was jacking myself off to much. Lets leave it at a combination of luck, thrift, relatively high income, and commitment to a plan.

Best of luck to you all, and here's hoping I didn't speak too soon.

How long did it take?

Any major financial setbacks along the way? (Medical bills, non-insured damage to the house etc.)

Well, the 401k has been trucking along about 20 years, with 9% of my income (5% contribution, 4% match). The brokerage account I've had about 10 years, and bitcoin has been an 8 year accumulation. Most of my "active" investing has taken place in the last 8 years.

There were a smattering of minor setbacks that came out of the emergency fund. New well pump, birth of my child, etc. Nothing in the six figure range, or even much above $10,000 at a shot. Buying a house with 20% down in 2021 was probably the largest "set back" if all you care about is maximizing contributions to an investment account. But despite the opportunity cost of being out around $100,000 for the down payment, it's been worth it. I don't really include the appreciation on the house in my "Fuck You" goal, but I do include the fixed cost of keeping a roof over my head compared to the rental market, as well as avoiding all the instability of having to deal with a market for shelter at all. You see debates on the rent vs buy math all the time, but I can promise you the buy in 2021 versus rent today math absolutely works out in favor of "buy in 2021"

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