Search found 20 matches

by FrugalFred
Tue Jan 23, 2018 12:01 pm
Forum: Money and Investment Questions
Topic: Paying a professional to handle investments
Replies: 29
Views: 4891

Paying a professional to handle investments

What’s the consensus on having a professional handle your investments? I like the passive nature of this strategy and not having to worry about losing it all. My only concern: would the 3% rule still appply, or would I have to use a 2% swr instead to account for fees? If it’s 2%, I figure I can alwa...
by FrugalFred
Sun Dec 03, 2017 1:08 pm
Forum: Friends, Family, Relationships, and Community Questions
Topic: Tired of friends ...
Replies: 17
Views: 8222

Re: Tired of friends ...

Adult friendships don't interest me. Anything I could talk about with another man I could just say in my own head. It's not like high school where you could goof around and stay up all night playing GTA. No pesky job to go to the next morning. No worries.

All I need now is a romantic partner.
by FrugalFred
Fri Sep 01, 2017 8:32 am
Forum: Philosophy and Lifestyle Questions
Topic: The fly in the ointment of ERE is women
Replies: 45
Views: 8875

The fly in the ointment of ERE is women

Let's be frank: wooing and maintaining women is insanely expensive for most men. It's also our main motivator in life.

I'd be perfectly content living in a box and playing on the internet all day... but I need to be touched.
by FrugalFred
Sat Jul 08, 2017 9:26 am
Forum: Work & Education
Topic: How to make the next 5 years of hardcore accumulation really good ones?
Replies: 22
Views: 5599

Re: How to make the next 5 years of hardcore accumulation really good ones?

I too am trying to figure out how to stay sane during the accumulation phase. I've hated every minute of my life since I started working. Here's my routine: - 1 hr and 10 min commute to work - *fake stupid smile* "Hello Bob, hello Jim" - 8 hours of being on fight-or-flight mode, struggling...
by FrugalFred
Fri Jun 16, 2017 6:34 am
Forum: Philosophy and Lifestyle Questions
Topic: What to do when FI
Replies: 66
Views: 14594

Re: What to do when FI

Oh, I don't know... hike, build the body of a Greek god, read, play videogames, travel... live. There are a million things I want to do but can't because of my 50 hour work week. That's why I'll never understand these kind of posts. If it's that much of an ordeal, then give your free time to MMMMEEE...
by FrugalFred
Fri Jun 16, 2017 6:24 am
Forum: Philosophy and Lifestyle Questions
Topic: Bogleheads are mind-boggling sometimes.
Replies: 66
Views: 32194

Re: Bogleheads are mind-boggling sometimes.

I find these kind of posts highly discouraging. And it's not just Boggleheads. Whenever I post on another forum asking if I can retire in 5 years with say... a paid off condo and $300K, everyone says it can't be done. Gonna need at least three times that. But when I do the math, expenses < 3% safe w...
by FrugalFred
Sun Jun 04, 2017 8:14 pm
Forum: Introduce Yourself
Topic: Midwest College Student
Replies: 10
Views: 2543

Re: Midwest College Student

What are you going to do with an economics degree? I studied something similar (at a reputable school), and it took me 4 years to land a job that pays above minimum wage. I'd find a way to switch majors if you can. Comp sci, a few engineering fields, or at the very least accounting. Those are the on...
by FrugalFred
Sun May 28, 2017 5:00 pm
Forum: Philosophy and Lifestyle Questions
Topic: Best lifestyle jobs for early retirees?
Replies: 50
Views: 11329

Re: Best lifestyle jobs for early retirees?

Night shift security guard. Though I'd only do it if I could be left alone and mess around on my laptop. If they want me to play Paul Blart and ward off baddies or something, forget it.
by FrugalFred
Sun May 28, 2017 2:12 pm
Forum: Health and Food Questions
Topic: Exercise/Fitness Log
Replies: 554
Views: 230387

Re: Exercise/Fitness Log

I've made a lot of progress just by doing this aesthetics-focused routine twice a week: 3 incline bench 3 chinups 3 overhead press 4-5 lateral raises 4-5 suspension band face pulls 3 bicep curls 3 tricep pushdowns The raises, face pulls, and pushdowns are all done rest pause style. Everything else i...
by FrugalFred
Wed May 17, 2017 10:35 am
Forum: Philosophy and Lifestyle Questions
Topic: Best Countries for Americans to Immigrate
Replies: 41
Views: 10246

Re: Best Countries for Americans to Immigrate

The Philippines offers a lot of that. Plus if you're a single man, there will be no shortage of loving, attractive, young women who want to be with you.

$1K/month would afford a comfortable life in PI.
by FrugalFred
Wed May 17, 2017 9:52 am
Forum: Philosophy and Lifestyle Questions
Topic: How to make money online?
Replies: 29
Views: 10069

Re: How to make money online?

Good thread. Even just $500/month from online income would allow one to ERE SO MUCH sooner. Assuming it doesn't take ridiculous hours to make that amount. From what little research I've done, there are basically four ways to make money online: programming, vlogging/blogging, selling a product, and d...
by FrugalFred
Mon Apr 17, 2017 2:39 pm
Forum: Money and Investment Questions
Topic: ERE w/ condo
Replies: 8
Views: 2768

ERE w/ condo

Assuming someone owns a paid off one-bedroom condo, how much would he need in savings to ERE? I assume it would require much less than the usual target numbers, no? Also, would it be realistic to rent out the living room? Or alternatively, rent out the bedroom and sleep in the living room yourself? ...
by FrugalFred
Sun Apr 16, 2017 11:47 am
Forum: Money and Investment Questions
Topic: sugar daddies/sugar mammas
Replies: 56
Views: 15734

Re: sugar daddies/sugar mammas

I'd totally be a sugar baby if there were actually some demand for average blokes. It's fun to imagine playing boy toy to generous Selma Hayek clones. In reality I'd be a renting out my orifices to some old queen for pennies. As I become more financially secure I'll probably become a sugar daddy of ...
by FrugalFred
Sun Mar 05, 2017 4:40 pm
Forum: Philosophy and Lifestyle Questions
Topic: Tinder, OKcupid, other sites? Polyamorous relationships?
Replies: 11
Views: 4539

Re: Tinder, OKcupid, other sites? Polyamorous relationships?

I never had any success on OkCupid/POF/Tinder, and I'm reasonably good looking. Of course if you're some kind of Adonis, I guess those sites can work.
by FrugalFred
Tue Jan 10, 2017 9:56 am
Forum: Philosophy and Lifestyle Questions
Topic: ERE Challenge: Could You Retire on $300k?
Replies: 42
Views: 16184

Re: ERE Challenge: Could You Retire on $300k?

I've thought about semi-retiring with $300K. Should have that much saved by my early-mid 30's. Maybe move to a small town with just enough to cover my basic living expenses. Make a little money online somehow to add to my stash and take romance vacations to SEA. My original number was $500k, but ful...
by FrugalFred
Wed Jan 04, 2017 3:26 pm
Forum: Friends, Family, Relationships, and Community Questions
Topic: Do you lie to people about your ERE/Frugal behaviors?
Replies: 28
Views: 12719

Re: Do you lie to people about your ERE/Frugal behaviors?

I went out with colleagues one night and we got talking about money. I told them I save 90% of my pay check. "What are you saving for?" one girl asked. "A vacation?" "Financial freedom." "What do you mean?" another girl asked. "Do your parents control you...
by FrugalFred
Sat Dec 03, 2016 2:53 pm
Forum: Health and Food Questions
Topic: What Do You Eat for Weight Loss?
Replies: 360
Views: 93163

Re: What Do You Eat for Weight Loss?

I try to get in a decent amount of protein (60-100 grams a day) for body composition and feeling full. Stay away from liquid calories. Intermittent fasting. Weigh myself everyday. I don't think about it too much though as maintaining a low weight has always come easy to me. Going to work each day ta...
by FrugalFred
Sat Oct 01, 2016 10:25 am
Forum: ERE Journals
Topic: Almost experienced a huge windfall
Replies: 7
Views: 1673

Almost experienced a huge windfall

My parents were planning on selling their house and downsizing due in part to the massive housing bubble in my city. They were going to buy me a 2-bedroom condo in cash. Nevermind ERE. With rental income, I could've straight up FIRE'd if this panned out. So for months I walked around with a skip in ...
by FrugalFred
Sat Sep 24, 2016 12:06 pm
Forum: Health and Food Questions
Topic: The Ingenuity Gap of the U.S. Sexual Deficit
Replies: 89
Views: 20195

Re: The Ingenuity Gap of the U.S. Sexual Deficit

I have a huge sex drive, I think most male do, and I accepted me never having enough sex as a part of life. It feels that all the men between 15 and 60 are competing for about a third of the women between 18 and 35, and as it's probably simililar to a winner takes all game, men are doomed to be fru...
by FrugalFred
Sun Sep 11, 2016 12:54 pm
Forum: Introduce Yourself
Topic: already sick of the grind
Replies: 10
Views: 4252

already sick of the grind

I'm around 30 years old and having been working a standard office job for the past several years. I put on a happy face, both for colleagues and family... but inside I'm MISERABLE. And to think there's people at my job who've been doing it for 10, 20, or even 30+ years. :shock: Despite a mediocre sa...