Search found 36 matches

by MZMpac
Tue Jun 20, 2017 4:53 pm
Forum: Resources & Recommended Reading
Topic: JL Collins - The Simple Path to Wealth
Replies: 73
Views: 13966

Re: JL Collins - The Simple Path to Wealth

TSPW was actually the first FIRE book I read. So for me it was a home run. I knew little about investing, and I liked his casual style plus the way he demystifies investment terminology. He presents it as such a fail-proof method that I was almost skeptical. So of course I read other FIRE books, whi...
by MZMpac
Mon Apr 10, 2017 5:16 pm
Forum: Skills & Tools Questions
Topic: Reloading Ammo
Replies: 20
Views: 4340

Re: Reloading Ammo

I reload my own ammo. I only reload for rifles, and I do it mainly for accuracy. In terms of cost savings, it makes the most sense for pistol shooter, AR shooter, or other high-volume shooting. I am definitely not saving any money yet and probably wont recoup my costs for 2-3 years. I have only been...
by MZMpac
Mon Dec 12, 2016 12:09 pm
Forum: Lifestyle Questions
Topic: How to Make 100k /Yr?
Replies: 21
Views: 3198

Re: How to Make 100k /Yr?

It took me 4 years of working after grad school to get to 100k/yr. In a couple years I'll be at 120k. Dont get me wrong, 100k/yr is still a great salary and if you cant early retire on this you have some serious debt or spending problems. Lifestyle inflation can eat it away as fast as it comes. I'm ...
by MZMpac
Mon Dec 12, 2016 12:03 pm
Forum: Lifestyle Questions
Topic: Tattoos, Piercings?
Replies: 42
Views: 8433

Re: Tattoos, Piercings?

I have one, on my upper arm, that's now 17 years old. My wife has several not visible with clothing. In general, though, I'm not a fan, for reasons others have listed. Tattoos used to be sort of a counter-culture thing, and if well-done could be really eye-catching. But nowadays they are as common a...
by MZMpac
Thu Dec 01, 2016 7:30 pm
Forum: Housing Questions
Topic: Anyone moved to a different state for cheaper housing?
Replies: 52
Views: 10730

Re: Anyone moved to a different state for cheaper housing?

I'm far from retired but looking to move to a different state as well to facilitate earlier retirement. Denver is great in many ways but costly and rising. Lots of options for 2 DINKS, but there is more to a move than just packing up and hitting the road. House sale, new jobs, leaving behind friends...
by MZMpac
Thu Oct 20, 2016 1:12 pm
Forum: Friends & Family Questions
Topic: Declining invitations strategically
Replies: 30
Views: 7312

Re: Declining invitations strategically

Like many introverts I struggled for a long time with forcing myself to participate in extrovert events. Bars, parties, games, etc. I'd say 1/10 times I had a good time, whereas 9/10 times hanging with 1-2 friends I had a good time. You eventually get to the age/maturity level where you just arent p...
by MZMpac
Thu Oct 20, 2016 12:55 pm
Forum: Lifestyle Questions
Topic: No Sports
Replies: 13
Views: 1853

Re: No Sports

People tend to degrade passive forms of entertainment that arent their flavor. Video games.. Sports... Sitcoms... Pulp novels.. Diddling away on your smart phone.. Whatever you are into, there is someone who has a smug opinion on why you are lazy and/or an idiot for enjoying it :lol: I love MMA but ...
by MZMpac
Thu Oct 13, 2016 12:08 pm
Forum: Health Questions
Topic: Anti-Sugar Elitism
Replies: 121
Views: 23511

Re: Anti-Sugar Elitism

Touchy topic--like politics almost. Excess sugar is the bane of the western diet, make no mistake. Evidence is quickly mounting, and the studies that demonized fats a few decades ago were lobbied and leveraged by the sugar industry. There's nothing wrong with a plant-based diet per se, but the issue...
by MZMpac
Wed Oct 12, 2016 12:46 pm
Forum: Lifestyle Questions
Topic: Having second child
Replies: 37
Views: 5264

Re: Having second child

I think you should make the decision based solely on your own personal preferences and stop pretending that it is likely to have any meaningful impact on the world at large. It just won't. Do what you want and don't listen to anyone else. Choosing to have children or not is a fundamental personal r...
by MZMpac
Tue Oct 11, 2016 6:57 pm
Forum: Inspiration
Topic: Late Retirement Extreme? Early Lifestyle Extreme?
Replies: 12
Views: 3074

Re: Late Retirement Extreme? Early Lifestyle Extreme?

^ agreed.

DEPENDENT by definition. Could easily be taken away, plus I personally cant see much fulfillment in a pure spending lifestyle.
by MZMpac
Sun Oct 09, 2016 12:00 pm
Forum: ERE Journals
Topic: FIRE in my bones
Replies: 8
Views: 1514

Re: FIRE in my bones

jacob wrote:You could also rent out the garage as a garage, for cars.
Not a bad thought. :idea:
by MZMpac
Sun Oct 09, 2016 11:59 am
Forum: ERE Journals
Topic: FIRE in my bones
Replies: 8
Views: 1514

Re: FIRE in my bones

I think the biggest downer of my plan is that it will take 10 years (9.5 now) minimum due the PSLF program. This really is the equivalent of indentured servitude. Even if we were to theoretically achieve FI before my loans are paid off, I would still need to work full-time for a non-profit to be eli...
by MZMpac
Sun Oct 09, 2016 11:48 am
Forum: ERE Journals
Topic: FIRE in my bones
Replies: 8
Views: 1514

Re: FIRE in my bones

Unfortunately no. I explored this and due to the small size of our home, this would equate to having roommates and dramatically reduce our QOL as a married couple. The garage could be finished and made into an apartment, but the capital and time sunk into making a livable unit would take 2-3 years o...
by MZMpac
Fri Oct 07, 2016 9:21 am
Forum: ERE Journals
Topic: FIRE in my bones
Replies: 8
Views: 1514

Re: FIRE in my bones

Thanks for the replies. Re: the housing thing, we just bought our hour this summer. Poor timing from a market perspective. I've been following the regional housing market closely for a while, and things are more or less at their peak right now. Incomes cant support much more appreciation. My hunch i...
by MZMpac
Thu Oct 06, 2016 6:59 pm
Forum: ERE Journals
Topic: FIRE in my bones
Replies: 8
Views: 1514

FIRE in my bones

Hello all, I made my introductory post here http://forum.earlyretirementextreme.com/viewtopic.php?f=1&t=8145 , aka the "silver shackles" guy. The purpose of this journal is just a public record of my progress and to keep myself honest. I'm going to deliberately avoid posting too many financial speci...
by MZMpac
Thu Oct 06, 2016 6:27 pm
Forum: Lifestyle Questions
Topic: Thoughts on the Body Positivity Movement?
Replies: 43
Views: 4141

Re: Thoughts on the Body Positivity Movement?

@MZMpac, That's a very different situation than the Body Positive meeting we were discussing. And if your patients aren't responding appropriately to the message, it just proves my point that shaming people doesn't work. There are tons of very different diet programs with similar marketing that inc...
by MZMpac
Thu Oct 06, 2016 1:43 pm
Forum: Lifestyle Questions
Topic: Thoughts on the Body Positivity Movement?
Replies: 43
Views: 4141

Re: Thoughts on the Body Positivity Movement?

If one is subject to disciplinary measures or legal reprisal by expressing a negative opinion on one of the hot topics, then by definition it is policing. So at my job if a patient doesn't like my delicate delivery of the "you're too fat" talk, they can file a complaint and I can be disciplined for ...
by MZMpac
Thu Oct 06, 2016 1:15 pm
Forum: Lifestyle Questions
Topic: Thoughts on the Body Positivity Movement?
Replies: 43
Views: 4141

Re: Thoughts on the Body Positivity Movement?

Policing "fat shaming" or any other type of social shaming for that matter, is ridiculous. You're telling people what they can and cannot say. So if we as a society are going to police fat shaming, then let's also police with the same fervor: Unemployment shaming Public breastfeeding shaming Alcohol...
by MZMpac
Thu Oct 06, 2016 11:29 am
Forum: Lifestyle Questions
Topic: Thoughts on the Body Positivity Movement?
Replies: 43
Views: 4141

Re: Thoughts on the Body Positivity Movement?

Body positivity usually ends up being a synonym for fat normalization. And it's totally driven by women. Which is fine, but let's not berate others who arent attracted to obesity and let's certainly not paint it as a different shade of healthy. I think people pull the "beauty standards" card as a sc...
by MZMpac
Wed Oct 05, 2016 12:08 pm
Forum: Lifestyle Questions
Topic: Personal hygiene [example level]
Replies: 37
Views: 8317

Re: Personal hygiene [example level]

Dollar Shave Club is a pretty good value if you only buy their cheapo razors. Depends on how much you shave, but a 5-pack lasts me 2 months. And it's $1. For soap, I am a Dr. Bronner's guy for life. 1 soap, hair and body, amazing suds, organic, rinses clean! Deodorants suck, I try not use them but w...