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Notes -
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.
I don't quite understand the logic. You want to be dependent on your employer during the coming crises?
All extra cash in my household--all cash that survives my wife's Amazon purchases--goes into aggressively paying down our mortgage (6.5% rate) and VTI. I use the margin provided by the VTI holdings to sell options on other companies for more cash.
That's a new one for me, ha. (I'm assuming this refers to basis points).
I was with you on aggressively paying down the mortgage (I’m at 6.25%), but looking at the increases in the stock market, foreign markets, and precious metals over the past year, I’m beginning to rethink my strategy.
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