Fox's Journey: And Onto the Sunlight!

Where are you and where are you going?
classical_Liberal
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Re: Fox's Journey: And Onto the Sunlight!

Post by classical_Liberal » Wed Oct 30, 2019 2:17 pm

@tophatfox
As someone who has traveled through those areas quite a bit, I highly encourage you to visit the town you are looking at relocating to and get a feel for it. In my experience the small cities in MT, WY, ID can have a vastly different feel. Some have a dirty, dying, industrial feel (ex Billings MT), some have a tourist feel (ex Jackson WY), and some have a cool revitalization of small downtown feel (ex Cheyenne WY). Anything in Northern Colorado on the Eastern slope tends to be much more expensive. Remember, everything is MUCH further away in these areas than someone from anywhere on the East coast is used to. If you don't like the town you choose it could easily be 4+ car hours to the next decent sized town. So choose wisely.

TopHatFox
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Re: Fox's Journey: And Onto the Sunlight!

Post by TopHatFox » Wed Oct 30, 2019 3:25 pm

Yeah, I'll have mid Dec to early Jan off, so I may need to plunk down 1-2k for a road-trip for research 8-)

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Re: Fox's Journey: And Onto the Sunlight!

Post by unemployable » Wed Oct 30, 2019 4:19 pm

As you know, I live in the Colorado mountains and have for more than nine years now. Why do you feel you'd be compelled to move back to Miami? How would you be better off broke there as opposed to broke here?

If you haven't set up a job here before moving out, I think you're probably looking at grunt work (low level admin/clerical) or the service industry and trying to move up from there. Although rents are kind of high in most of CO nowadays -- thanks, millennials! -- the service industry tends to pay relatively well. The Wendy's nearby is advertising $15/hr, which makes me wonder why we need a minimum wage at that level. You may want to consider working two jobs for awhile, and I wouldn't shun manual labor.

I'd check out Grand Junction and Durango if you can; they're cheaper than the Front Range (GJ moreso) and you don't have the tourism/weekend warrior crush of the areas closer to Denver.

Yes, a fact-finding mission will cost you money. Sleeping in your car is an acquired skill and if it is part of your plan, I suggest you work on it. Gas between here and Alabama is like $150 and you're going further on both ends.

Western winters are a different breed from Northeastern/Midwestern ones. They have a higher mean but also a higher standard deviation. Most days are bright and sunny as it turns out. But you can get a foot or two of snow no problem and the cold fronts can be vicious. Compare to Northeastern winters with day after day after day of 25° gray skies. I woke up to -4 Fahrenheit this morning, and it's supposed to be colder tonight. And it's still October. It snowed in June here this year, at my elevation. Twice.

Especially if you live in Montana, plan on long drives to fun stuff. If you go without an hour-plus drive to the nearest large city with a Wal-Mart for awhile, some smaller towns will still have chain grocery stores and similar amenities with very reasonable rents. I'll let you discover those yourself. What I've also heard is never move anywhere in MT in winter without housing and a job already lined up, unless you don't need a job for money.

I think MT is a great place to ER or semi-ER but not so good if you're still in the accumulation phase.

The only tax I can think of that sticks out as high among Western states, other than what California shoves at you, is Oregon's income tax, just pure death for ER. Colorado income tax is a flat 4.63% of Federal taxable income, that is after all Federal deductions, which I find reasonable.

Any reason you've ruled out the Reno/Carson area? Close to all the good California mountains without the California cost of living.
Last edited by unemployable on Wed Oct 30, 2019 4:23 pm, edited 1 time in total.

George the original one
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Re: Fox's Journey: And Onto the Sunlight!

Post by George the original one » Wed Oct 30, 2019 4:20 pm

TopHatFox wrote:
Wed Oct 30, 2019 2:02 pm
I'd want:
1. Four seasons and immediate access to mountains, rivers, etc.
2. Just federal taxes if at all possible
3. A smaller place where people are open to socializing generally
4. Some place where $500/room within walking distance of work is possible
I think you should plan on only getting 3 out of those 4 items...

Seven states—Alaska, Florida, Nevada, South Dakota, Texas, Washington, and Wyoming—levy no personal income tax. Two (New Hampshire and Tennessee) don't tax wages, but do currently tax investment income and interest. Both are set to eliminate those taxes soon. Of those, only New Hampshire has no sales tax (While Alaska has no sales tax, the municipalities, where you'd likely live, are allowed sales tax).

You know what Florida is like and Texas isn't much different (e.g. not 4 seasons). Alaska has 3 seasons. Nevada, South Dakota, & Wyoming are not exactly known for rivers.

You need to check New Hampshire & Tennessee investment tax rates because they otherwise likely meet your criteria.

Washington likely won't have $500 rooms within walking distance of work because its hard to even find $500 rooms, let alone within walking distance of work.
***
Something you didn't mention that should probably be amongst your criteria: Medicaid expansion. If that's important, then of the no state income tax choices, Florida, Tennessee, Texas, and Wyoming would be ruled out.

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Re: Fox's Journey: And Onto the Sunlight!

Post by unemployable » Wed Oct 30, 2019 4:30 pm

George the original one wrote:
Wed Oct 30, 2019 4:20 pm
Two (New Hampshire and Tennessee) don't tax wages, but do currently tax investment income and interest. Both are set to eliminate those taxes soon.
Tennessee's will be 1% for 2020 and is going away in 2021. https://blog.rodefermoss.com/tennessee- ... l-schedule

NH's won't be going away completely until 2024. https://mcdonaldhopkins.com/Insights/Bl ... est-income

TN has a rather high sales tax, and it applies on groceries. NH has a high property tax. From my research, the overall tax burden in both states is about as good as it gets, slight edge to Tennessee I'd say. A $75k house in rural or small-town Tennessee pays about one-tenth the property tax as one in NH would (everything in NH is in a town).
George the original one wrote:
Wed Oct 30, 2019 4:20 pm
Washington likely won't have $500 rooms within walking distance of work because its hard to even find $500 rooms, let alone within walking distance of work.
East of the Cascades that would be no problem. Spokane in particular is barely an hour to the Montana line.

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Re: Fox's Journey: And Onto the Sunlight!

Post by George the original one » Wed Oct 30, 2019 5:08 pm

unemployable wrote:
Wed Oct 30, 2019 4:30 pm
East of the Cascades that would be no problem. Spokane in particular is barely an hour to the Montana line.
Walking distance to work though? Checking craigslist for Spokane, the available $500 rooms appear to be in homes which will be in the suburbs and, unless you work in retail or food, the jobs aren't near the suburbs.

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Re: Fox's Journey: And Onto the Sunlight!

Post by unemployable » Wed Oct 30, 2019 5:58 pm

I think you're splitting hairs and not picking the best possible battle there. Anyway, I walked 2½ miles to and from work each day in Chicago for seven years. Anywhere's within walking distance if you've got the time, as Steven Wright says.

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Re: Fox's Journey: And Onto the Sunlight!

Post by TopHatFox » Wed Oct 30, 2019 9:06 pm

I guess a few miles is OK. I can always get an electric bike or scooter for the weekdays (with studded tires for winter) and a little hatchback (with winter tires) for the weekends.

Relatively income tax-free, around people that want to socialize, and around nature are really important to me, that’s for sure. Maybe state income taxes would be OK, especially if I’m deferring most of my income anyway.

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Re: Fox's Journey: And Onto the Sunlight!

Post by 2Birds1Stone » Thu Oct 31, 2019 5:41 am

Just saw your @, unfortunately I don't have any contacts for sales jobs out that way. My previous company was HQ'd in NY, but ended up getting acquired/dissolved, and you won't want to work for the last one I was at. I have contacts in the Dallas, NYC, and SoCal areas, but none of those are on your list. Unfortunately most of these entry level (still $100K+ OTE) inside sales jobs require butt in seat (no remote/WFH) for the first year or two.

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Re: Fox's Journey: And Onto the Sunlight!

Post by Scott 2 » Thu Oct 31, 2019 12:48 pm

State taxes generally benefit the less wealthy - libraries, parks, public education, infrastructure, social safety nets, etc. There is waste too, but they could be a net positive in your strategy.

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Re: Fox's Journey: And Onto the Sunlight!

Post by TopHatFox » Mon Nov 11, 2019 12:05 am

MID-NOVEMBER 2019

Last Set of Classes Scheduled

Finishing up finals for my 6 classes, and just signed up for the last 6. Free MPA by April almost in hand. I got a few in-person informational interviews at a couple places here in Miami, and one in Vermont. Nothing thus far out west. More outreach e-mails needed.

Dating Outreach Fun

Day game is still pretty fun. Today I met a pretty 26 yo walking her dog and got her # to reach out to tomorrow. Opened with "that's a cute dog, *pet pet*." lol. The cool thing is that it's becoming super obvious when a girl is interested/available. If they stay and talk rather than inputting a polite excuse before bailing, that's a good indicator. If they ask you questions, you're on the right track. If they say yes when you ask to escalate, that's a pretty good indicator. If they (actually) respond to the day-after hello text, that's pretty good too. And of course if they routinely show up to more dating-like activities, you're doing great. Just don't be negative nor text them more than they do you. And don't tell them "I love you" before they do. :lol:

Aside from her, I also met a 24 yo at a cafe. Opened with a comment-turned-conversation about a book she was reading. This day-game business is actually pretty easy. Takes more effort and skill-acquisition than the friends of friends game that college was, but it's eons away from the online dating nightmare, and the women tend to be prettier too. Currently have three fwb from these shenanigans, so yay. Fuck wearing braces part 34249387.

Road Trip

Trying to get a road-trip crew for mid Dec- early Jan. I figure I should drop the 1-2K needed to rent a car for a few weeks as I drive around UT, CO, MT, NV, and AZ. Necessary sacrifice :>

Quitting Habits and Adding Others

Put a blocker on my phone and computer. Anxiety and depression has decreased significantly since, on top of using the SAD light. Youtube has fallen so far from even a few years ago. So many of the videos are influencers telling you you're doing everything wrong. Seriously. The other day I was recommended a video on TONGUE POSTURE. wtf. Others are fancy people in fancy houses telling you you're lot isn't enough. Ads often pop up despite ad blockers. I've started to hate the medium aside from handyman videos and one or two subscriptions. SoundCloud for music works just fine. Places like Reddit also aren't that helpful/end up being super distracting. Putting a blocker on porn also is good, means you end up using it less and enjoying in-person physical interaction way more. Barrier of entry increased.

To replace all that I'm gonna purchase a Kindle Oasis or Paperwhite (not sure which yet) and a subscription for unlimited books/audiobooks. If Youtube and influencers are candy, then books and well-researched authors are a well-balanced meal. Will probably also get some other fun items, like roller blades and one of those electric kick-scooters.

I started running around and stretching again, and it feels good. Now to figure out how to stop doing work in bed when I don't have an office to go to in the morning.

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Re: Fox's Journey: And Onto the Sunlight!

Post by TopHatFox » Sun Nov 17, 2019 8:42 pm

I think I've decided that I've been basically doing my best to find ways to avoid work, but I seriously need to stop that if I want my $500K. So I'm going to do my best to actually work for years and figure out how to cope with the stresses that inevitably result. None of this WOOFing, work-for-stay, or other lazy short-term bullshit young Millennials tend to do. That doesn't mean I need to do this in Miami nor in a job I don't like, but it does mean working full-time, saving, & quitting it with the squirming. I also think finding a stable gf that's gonna stick around for a few years is an excellent accomplice in this plan. The globe trotters are an annoying distraction :roll:

Mister Imperceptible
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Re: Fox's Journey: And Onto the Sunlight!

Post by Mister Imperceptible » Sun Nov 17, 2019 10:42 pm

George the original one wrote:
Wed Oct 30, 2019 4:20 pm
Seven states—Alaska, Florida, Nevada, South Dakota, Texas, Washington, and Wyoming—levy no personal income tax. Two (New Hampshire and Tennessee) don't tax wages, but do currently tax investment income and interest. Both are set to eliminate those taxes soon. Of those, only New Hampshire has no sales tax (While Alaska has no sales tax, the municipalities, where you'd likely live, are allowed sales tax).

.....

You need to check New Hampshire & Tennessee investment tax rates because they otherwise likely meet your criteria.

.....

Something you didn't mention that should probably be amongst your criteria: Medicaid expansion. If that's important, then of the no state income tax choices, Florida, Tennessee, Texas, and Wyoming would be ruled out.
unemployable wrote:
Wed Oct 30, 2019 4:30 pm
Tennessee's will be 1% for 2020 and is going away in 2021. https://blog.rodefermoss.com/tennessee- ... l-schedule

NH's won't be going away completely until 2024. https://mcdonaldhopkins.com/Insights/Bl ... est-income

TN has a rather high sales tax, and it applies on groceries. NH has a high property tax. From my research, the overall tax burden in both states is about as good as it gets, slight edge to Tennessee I'd say. A $75k house in rural or small-town Tennessee pays about one-tenth the property tax as one in NH would (everything in NH is in a town).
In NH you can make Boston-level income, tho.

The solution to the high NH property tax is simple. Rent instead of own. And the high property tax rate and scant state welfare programs has the knock-on effect of keeping undesirables south of the border with Massachusetts where people vote for Elizabeth Warren and “free“ everything.

One notices the change of infrastructure quality as soon as they cross the state line on I-93 or 1-95. When I last interviewed in Boston, I saw the Red Line car had feces smeared on the side of the train and it looked like it had not been washed in weeks, or months.

In NH you can buy and walk around with firearms, open or concealed, without any kind of license. We have one of the lowest violent crime rates in the country.




Live Free Or Die

TopHatFox
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Re: Fox's Journey: And Onto the Sunlight!

Post by TopHatFox » Sat Nov 23, 2019 8:20 pm

CODING UPDATE

I tried coding and, hm, I don’t think I like it. Maybe it’s cause I’m kinda new at it; I’ll try it some more and see if getting good makes me like it more. Will see.

TRADES

I have been thinking of trying the trades though, since I remember really enjoying a metal-working inter-term course at AC and a 4-mo wood-working project in shop class in HS. Unfortunately, I’ve been so indoctrinated by the higher ed racket that I don’t even know where one goes to get trade certifications or an apprenticeship, let alone what the cost of such a thing might be, or what the different fields are (aside from basics like electrician, plumber, welder, carpenter, computer networking, etc). I feel like the trades would be a great way to travel around and have a real goddamn, tangible SKILL. Great for the apocalypse too. (Y)

LANGUAGES

Languages are going well. I’m now reading L’étranger on my new Kindle, with Audible reading it to me. Also finishing 3% in Portuguese and can pretty much understand all of it. I guess Spanish I just talk to my parents, and well, English I use all the time.

————
NEXT STEP

I’m thinking what I’d like to work toward is, if I do the 9-5 thing with the MS, doing it in a naturey place with a loving gf (probably the only way to make it tolerable). And if I don’t do the 9-5 thing, getting a skill I can travel around with and earn more than min wage (the travel should be entertaining enough). Either way, I at least enjoy the experience, so even if all my retirement accounts get confiscated when govt programs go bankrupt, at least I’ll have enjoyed the accumulation years and have a wide array of real, non-bullshit skills.

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Re: Fox's Journey: And Onto the Sunlight!

Post by Ego » Sat Nov 23, 2019 9:17 pm

TopHatFox wrote:
Sat Nov 23, 2019 8:20 pm
Unfortunately, I’ve been so indoctrinated by the higher ed racket that I don’t even know where one goes to get trade certifications or an apprenticeship, let alone what the cost of such a thing might be, ...
I gained the most experience working as grunt labor for a general contractor while in HS and Uni. The guy liked to think aloud. I just listened and asked questions. He did things like kitchen/bath remodels, store fixture installs and a wide variety of stuff. I learned everything, tile work, electrical, plumbing, carpentry, painting, cabinetry, general half-assed repairs, masonry, drywall, hanging doors and windows. I carried a lot of heavy shit and worked hard but learned a lot of useful stuff.

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Re: Fox's Journey: And Onto the Sunlight!

Post by CS » Sat Nov 23, 2019 10:57 pm

Well, the guns are definitely not a plus for me in NH, but beyond that, the state has a huge worker shortage and trouble attracting young people and workers (who then go on to make more young workers).

It is turning into a full-on healthcare crisis in the state, actually. Life free while you can because the dying is going to be ugly if you have to go to a nursing home.

I second Scott2 that taxes over-all benefit those with lower income. It can* also shows a willingness to care for the population that can be important to quality of life.

*Can also be waste, so due diligence is required, as always.

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Re: Fox's Journey: And Onto the Sunlight!

Post by 2Birds1Stone » Sun Nov 24, 2019 6:48 am

I truly think you need to stop chasing your tail with all of the hypothetical and actually make some real moves. Every time you seemingly find a viable path forward, you get distracted by all of your other options, which are endless, because you're still at square one.

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Re: Fox's Journey: And Onto the Sunlight!

Post by jacob » Sun Nov 24, 2019 9:57 am

@2Birds1Stone - It's entirely consistent with the INFP standard/locked-in curse. Very hard to change. It's like how INTPs build giant analytical/logical structures of whatever catches their fancy ... except it's done with feelings and here on the subject of life planning. It's a wild train ride(*) for an INTJ to watch but maybe think of it as the INFP painting a canvas with a little happy tree here and a pet squirrel there. It's only frustrating to watch if you expect to obtain a result-driven plan.

(*) Insofar the INTJ perceives it as a debate or a process that should lead to some result. In such a case, the INFP's secondary Ne is getting processed by the INTJs secondary Te (hard work) ... but the actual material of the INFP is the dominant Fi (they just want to find their authentic selves --- something that will never happen, but it's all about the journey) ... which the INTJ trying to make sense of it with their dominant Ni. So basically the chain of communication is Fi->Ne->Te->Ni... which can be very exhausting.

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Re: Fox's Journey: And Onto the Sunlight!

Post by TopHatFox » Sun Nov 24, 2019 1:37 pm

Hm, I think I did make real moves. Namely, trying out coding, pushing yes to the road-trip out west, and getting a Kindle for greater language acquisition. I'm stuck in Miami until I finish the degree in April, so not much I can do aside from look for jobs out west and think-through where to go from here.

Potential consistency aside, I don't think I'm an INFP. I know many INFPs, and have dated probably 10 of them by now. They tend to be very bad at planning, and I am good at planning + being organized. :p

Incidentally, INTJs should check their #personalityprivilege. If the Myers Briggs has any bearing, you guys have it pretty easy when it comes to profitable career choices and planning logically rather than emotionally. Take it easy on the rest of us plebes. :p:p

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Re: Fox's Journey: And Onto the Sunlight!

Post by C40 » Sun Nov 24, 2019 9:52 pm

every type has their own #personalityprivilege.

Most INTJs - as a sort of trade for their potential to sit down and learn math, physics, coding, are the same amount lacking in their potential to learn empathy, schmoozing, fitting in by enjoying stupid traditions, and so on.

(some folks will really find annoyance or humor in the dynamic here)
THF - Help!
People - [Lots of advice]
THF - Check your privilege

--------------

On dating - If you're not already, I recommend you do at least SOME dating of people that are opposite of your Myers Briggs type, at least on some of the letters. Me, as an INTJ, I find I can't stand dating *S**. I've had great times with some ENFPs

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