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I bought a 2022 MY LR -- at the very highest price, natch, and without any rebates. Story of my life. Since then I've put almost 17k miles on it, including about 6 2000-mile trips. Tires are getting worn but I think I'll get at least 20k out of them, maybe a bit more. Insurance started out...

Seems unlikely, since he was so wealthy. Remember OP said he was "born FI" and "died quite wealthy."

I don't spend much. I learned long ago that a health club membership was money flushed down the toilet. I just never go. Health club: free access with my Medicare add-on. (And I never use it.) Pickleball: free at the senior center. Minor weight work and bodyweight exercises: free at home...

This. I got 2 cancer diagnoses in 2019. One was easily treated with radiation. The other was put into remission with some of those blockbuster (budget buster) drugs. And unfortunately I have to keep taking them, basically forever. They're covered by Medicare, but ... My two treatment drugs...

I'm confused. Reaper went from 150k in 2020 to 111k in 2022 and 106k in 2024, yet you show positive cagr and Sharpe every year. ??

That's not backtesting, at least not proper backtesting. Properly-done backtesting has significant predictive power. Will Rogers' rule doesn't. In response #13 I presented a 37-year backtest. I didn't build it by trying 100 things until I found one that works -- I just looked at the...

I have a very similar situation. My son (29) is sharp and has his life together. My daughter (27) has mild autism and fairly bad ADHD, and there is no way she can manage finances. She's extremely intelligent but totally disorganized and unmotivated. In spite of her genius-level IQ she nearly...

My cholesterol levels were always high, up to the high 200's. For years my long-term MD said no worries, my ratios were good. But then when I got into my late 50's she said "OK we need to start dealing with this, let's start you on statins." I said "If you insist on statins, I get a new...

I think Tesla was the only EV maker with a fat profit margin. (Most others were losing money bigtime on each car.) So they adjusted their prices strategically to manage the demand. When the Model Y was new and in hot demand, they only made them in California. I don't remember for sure but I...

Any idea when a v11.1 2024.8.7 car will get updated to the trial? I’m leaving on a 2000 mile road trip this weekend, and I really hoped to let V12 do the driving. If it doesn’t start this week, I’d rather wait until mid May to start the trial, but I doubt I will get any say on when it starts.

Heat storage is another promising storage technology. They heat large blocks of graphite or other materials to white-hot, 2000°C or so. The blocks can hold the heat for long periods, and the heat can be tapped on demand. It can be used to generate electricity (basically using a special type...

I’ve taken my MYLR on 5-6 multi-thousand-mile road trips, using 20-25 supercharger stations from Minnesota to Phoenix. I think I’ve seen someone waiting for a charger *once*. I’m sure it’s a different experience in, say, California. But east of California, so far I haven’t had a problem. The...

My Model Y, bought in mid-2022, was basically perfect as far as I could tell. I practically went over it with a magnifying glass (not really) and I couldn't find any paint or body defects. Then I blew some dough to wrap the whole thing in PPF, so (if I can avoid major crackups) the paint will...

I'm impressed. Y'all are even more frugal than I am. :D I'm not at all concerned about a $4000/yr withdrawal. That's 0.6% of my liquid assets, less than 0.2% of my net worth. And it should end in 4 years when I pay off the car. And my "income" calculation didn't include any income from...

Why do you say that? I thought it looked pretty solid. * My current income (SS, rentals) nearly covers my current expenses (mortgage, car pmt, insurance, utilities, etc). I should need less than $5-10k a year from my liquid accounts. * If I pick up a few training gigs (likely) I probably...

And I'm pretty sure EVERY phone has an accelerometer. Certainly any smartphone that could run a step counter app. I just installed a step counter app this afternoon. Just tried turning off cell/wifi/bluetooth and tested the step counter app -- still works. So yes, at least with this app it...

Oh, question: I've never had a FA or similar advisor. Probably should have, given how badly I bobbled my accounts in the last 40 years. But now that I'm retired, have steady income from SS/rentals, and don't plan to do anything very crazy with my liquid $$... Is there any reason at all to...

I wouldn't either. But then 13 years ago she took off on a permanent "vacation" away from me. Could be worse, @mountainsoft. At least you've still got your wife.

My annual income (SS, net rental income, and consulting income, not counting investing income) is about $87k. My annual expenses (mortgage, car pmt, taxes, insurance, groceries, utilities, hobbies, etc) are about $91k. So according to my 2023 Quicken report I'm about $4k short. I may have let...

I got two cancer diagnoses just before Covid hit. One in particular (a form of lymphoma) made me EXTREMELY susceptible to Covid. Research at the time said Covid had a 2-3% fatality rate, but someone in my situation had a FIFTY percent fatality rate. So I basically hid in my house for 2 years...

Thanks folks, I agree I shouldn't give more away. Hadn't planned on giving what I did (not yet anyway), but basically my brother shamed me into it. ("You need to take some of that $$ you got from mom and pay it forward, or these kids will never be able to buy a house!" -- said **in front of**...

Hi all, I'm 67 and in the process of retiring. Divorced, 2 kids in late 20's, roughly $2.1M net worth with $700k liquid. Things didn't work out the way I planned (on several fronts), so I don't have quite the cushy retirement I hoped for, but I'm doing OK. Better than OK, really. But not due...

Male. I'm OK with dancing, and I have a good sense of rhythm. Took blues lessons a few times. I'd be happy to dance more if I had a regular partner, so we could learn how the other moves, but dancing with strangers is not as much fun. I don't go out that often, so I don't stay "in shape,"...

No, they will be nearly perfectly correlated. SPY and TLT usually have low correlation, and UPRO/TMF are usually low correl. (Note, "usually" ! NOT "always" !) But SPY & UPRO are very highly correlated, as are TLT & TMF -- and thus 55SPY/45TLT is highly correlated to 55UPRO/45TMF. You asked...

And they can do the same by killing our power generation or disrupting the food supply ...