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The earlier you can retire, the more lifetimes you get
01-25-2026, 05:09 PM
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#1
- edwardhaskell
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The earlier you can retire, the more lifetimes you get
Take the average person -- they retire at 65-70 and perhaps have 5-10 more decent years in ok health.
On the other hand, a person retiring at 35 could have 40+ good years.
That's essentially 4-8 more lifetimes worth of retirement.
On the other hand, a person retiring at 35 could have 40+ good years.
That's essentially 4-8 more lifetimes worth of retirement.
01-25-2026, 05:30 PM
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#2
- GuineaDago585
- Bert McGirt
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- GuineaDago585
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Accurate. I wish I could retire today and I'm only 29. I don't think I'll ever be truly happy until I do (srs).
01-25-2026, 05:33 PM
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#3
- NotSure
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- NotSure
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It's sad when people think working is life. Humans weren't meant to live like that, and a life spent working is a life wasted in the end. It's like they get brainwashed into thinking it's a bad thing to simply relax and enjoy life.
Like I get working due to necessity, but if it's no longer necessary why live like that? Seems like the boomers were the worst when it comes to that, so many seem to just want to stay in work positions forever just to have something to do.
Like I get working due to necessity, but if it's no longer necessary why live like that? Seems like the boomers were the worst when it comes to that, so many seem to just want to stay in work positions forever just to have something to do.
01-25-2026, 05:36 PM
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#4
- GooBaaa
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Originally Posted By NotSure⏩
Humans have pretty much worked throughout existence
It's sad when people think working is life. Humans weren't meant to live like that, and a life spent working is a life wasted in the end. It's like they get brainwashed into thinking it's a bad thing to simply relax and enjoy life.
Like I get working due to necessity, but if it's no longer necessary why live like that?
Like I get working due to necessity, but if it's no longer necessary why live like that?
You think cave man sat around and enjoyed the fire doing nothing. Nah they were planning the next hunt so they could get furs and food
01-25-2026, 05:37 PM
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#5
- SoutheastBeast1
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It'd honestly be boring. I should have somewhere around 2.5 mil and could technically retire with that when I turn about 41 in 2 years but I plan to keep working and money max.
2.5 mil would roughy have me withdrawing 80-100k (based on 4% rule). Last year I spent somewhere around 88k if I remember what I calculated. I don't generally operate with much limitations but at the same time I'm not spending extravagantly all that much either. It'd be nice to have a somewhat bigger home in a better area and take nicer vacations.
Plus you have to consider this is what I spent while being obligated to work. When retired I'll have more free time meaning I'll want to do even more things which will cost more money. It's better to money max so you can level up your life experiences, even if you could technically retire and live out your days.
2.5 mil would roughy have me withdrawing 80-100k (based on 4% rule). Last year I spent somewhere around 88k if I remember what I calculated. I don't generally operate with much limitations but at the same time I'm not spending extravagantly all that much either. It'd be nice to have a somewhat bigger home in a better area and take nicer vacations.
Plus you have to consider this is what I spent while being obligated to work. When retired I'll have more free time meaning I'll want to do even more things which will cost more money. It's better to money max so you can level up your life experiences, even if you could technically retire and live out your days.
"One day I won't be able to lift any more. Not I won't want to lift. I mean physically unable. That day could be decades from now or it could be tomorrow. All I know is that's the day I'll wish I could lift more than ever. The day I'd give anything for one more workout, one more set, or one more cardio session. So go hard and enjoy every workout, every set, every rep. Because one day you will wake up and you will never get it back."
-SoutheastBeast1
01-25-2026, 05:37 PM
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#6
- Basedbabyy
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Most people are already past good health by 65-70
01-25-2026, 05:39 PM
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#7
- Basedbabyy
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Originally Posted By NotSure⏩
If you enjoy your job that’s one thing but let’s be realty how many people actually enjoy there jobs. I’ve known people who worked as farmers/ranchers who’s lives revolved around work but they actually enjoyed there jobs that’s different than your average 9-5 officel
It's sad when people think working is life. Humans weren't meant to live like that, and a life spent working is a life wasted in the end. It's like they get brainwashed into thinking it's a bad thing to simply relax and enjoy life.
Like I get working due to necessity, but if it's no longer necessary why live like that? Seems like the boomers were the worst when it comes to that, so many seem to just want to stay in work positions forever just to have something to do.
Like I get working due to necessity, but if it's no longer necessary why live like that? Seems like the boomers were the worst when it comes to that, so many seem to just want to stay in work positions forever just to have something to do.
01-25-2026, 05:40 PM
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#8
- NotSure
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- NotSure
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Originally Posted By GooBaaa⏩
Yeah but that wasn't really working it was living. There's a difference.
Humans have pretty much worked throughout existence
You think cave man sat around and enjoyed the fire doing nothing. Nah they were planning the next hunt so they could get furs and food
You think cave man sat around and enjoyed the fire doing nothing. Nah they were planning the next hunt so they could get furs and food
And the whole point of a civilized society is to make life easier for people.
01-25-2026, 05:45 PM
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#9
- edwardhaskell
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Originally Posted By GuineaDago585⏩
hope you find a way brother
Accurate. I wish I could retire today and I'm only 29. I don't think I'll ever be truly happy until I do (srs).
01-25-2026, 05:46 PM
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#10
- SoutheastBeast1
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Originally Posted By Basedbabyy⏩
It's just hard to get to the point that it makes sense to retire. It's not worth it to retire and just sit around existing. Retiring early to get 4 lifetimes worth of retirement is only worthwhile if you actually can afford to do the things that make it enjoyable.
If you enjoy your job that’s one thing but let’s be realty how many people actually enjoy there jobs. I’ve known people who worked as farmers/ranchers who’s lives revolved around work but they actually enjoyed there jobs that’s different than your average 9-5 officel
So if you're spending $80k now while working to grind out a meager existence you'll need even more than that per year with all of the extra time you have available to do the fun things that retirement has to offer. Actually sitting around and "relaxing" for 40 years sounds horrible. I remember summers as a kid and by the end of those 3 months off I was happy to go back to school and have something to do. Now extrapolate that out for 40+ years? Holy fuck good luck enjoying that and not doing activities that cost money.
In addition to having the money to cover what you already spend to exist plus extra money to spend on activities with all your extra free time you also have to be able to cover rising inflation since you are not pulling an active income.
So to really retire and enjoy it like OP is talking about it is very expensive. I'd argue you need 5+ million at a bare minimum to retire at 40 and truly take advantage of it rather than just sitting around pissing away your time.
"One day I won't be able to lift any more. Not I won't want to lift. I mean physically unable. That day could be decades from now or it could be tomorrow. All I know is that's the day I'll wish I could lift more than ever. The day I'd give anything for one more workout, one more set, or one more cardio session. So go hard and enjoy every workout, every set, every rep. Because one day you will wake up and you will never get it back."
-SoutheastBeast1
01-25-2026, 05:49 PM
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#11
- edwardhaskell
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Originally Posted By SoutheastBeast1⏩
you haven't experienced endless time yet. when you do you'll realize that time moves differently and you won't always be sitting around bored looking for things to do. this is one of the biggest misconceptions those that have only experienced the rat race can have.
It'd honestly be boring. I should have somewhere around 2.5 mil and could technically retire with that when I turn about 41 in 2 years but I plan to keep working and money max.
2.5 mil would roughy have me withdrawing 80-100k (based on 4% rule). Last year I spent somewhere around 88k if I remember what I calculated. I don't generally operate with much limitations but at the same time I'm not spending extravagantly all that much either. It'd be nice to have a somewhat bigger home in a better area and take nicer vacations.
Plus you have to consider this is what I spent while being obligated to work. When retired I'll have more free time meaning I'll want to do even more things which will cost more money. It's better to money max so you can level up your life experiences, even if you could technically retire and live out your days.
2.5 mil would roughy have me withdrawing 80-100k (based on 4% rule). Last year I spent somewhere around 88k if I remember what I calculated. I don't generally operate with much limitations but at the same time I'm not spending extravagantly all that much either. It'd be nice to have a somewhat bigger home in a better area and take nicer vacations.
Plus you have to consider this is what I spent while being obligated to work. When retired I'll have more free time meaning I'll want to do even more things which will cost more money. It's better to money max so you can level up your life experiences, even if you could technically retire and live out your days.
01-25-2026, 05:50 PM
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#12
- edwardhaskell
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Originally Posted By SoutheastBeast1⏩
You sound like a woman...I NEED THANGS TO DO!!!! 😂😂😂
It's just hard to get to the point that it makes sense to retire. It's not worth it to retire and just sit around existing. Retiring early to get 4 lifetimes worth of retirement is only worthwhile if you actually can afford to do the things that make it enjoyable.
So if you're spending $80k now while working to grind out a meager existence you'll need even more than that per year with all of the extra time you have available to do the fun things that retirement has to offer. Actually sitting around and "relaxing" for 40 years sounds horrible. I remember summers as a kid and by the end of those 3 months off I was happy to go back to school and have something to do. Now extrapolate that out for 40+ years? Holy fuck good luck enjoying that and not doing activities that cost money.
In addition to having the money to cover what you already spend to exist plus extra money to spend on activities with all your extra free time you also have to be able to cover rising inflation since you are not pulling an active income.
So to really retire and enjoy it like OP is talking about it is very expensive. I'd argue you need 5+ million at a bare minimum to retire at 40 and truly take advantage of it rather than just sitting around pissing away your time.
So if you're spending $80k now while working to grind out a meager existence you'll need even more than that per year with all of the extra time you have available to do the fun things that retirement has to offer. Actually sitting around and "relaxing" for 40 years sounds horrible. I remember summers as a kid and by the end of those 3 months off I was happy to go back to school and have something to do. Now extrapolate that out for 40+ years? Holy fuck good luck enjoying that and not doing activities that cost money.
In addition to having the money to cover what you already spend to exist plus extra money to spend on activities with all your extra free time you also have to be able to cover rising inflation since you are not pulling an active income.
So to really retire and enjoy it like OP is talking about it is very expensive. I'd argue you need 5+ million at a bare minimum to retire at 40 and truly take advantage of it rather than just sitting around pissing away your time.
And LOL at your projections.
You think people that finally retire at 65-70 are out doing all kinds of chit like 21 year olds would if they could? Most of them can't even get their cocks up.
01-25-2026, 05:54 PM
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#13
01-25-2026, 05:56 PM
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#14
- edwardhaskell
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Originally Posted By Zere0wn⏩
i'm usually chillin in the sauna by 2pm
I can retire now but I like money and I like making a difference in the world and it feels good to accomplish things
enjoy your 2pm burrito bowls alone
enjoy your 2pm burrito bowls alone
what difference are you making in the world?
01-25-2026, 05:58 PM
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#15
01-25-2026, 05:59 PM
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#16
01-25-2026, 05:59 PM
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#17
Originally Posted By GooBaaa⏩
right. humans are built to work.
Humans have pretty much worked throughout existence
You think cave man sat around and enjoyed the fire doing nothing. Nah they were planning the next hunt so they could get furs and food
You think cave man sat around and enjoyed the fire doing nothing. Nah they were planning the next hunt so they could get furs and food
you see what happens to trust fund kids who don't have to? huge portion of them become pieces of shit drugs, depression, etc. we are wired to make a difference and produce
im not suggesting people should kill themsleves working 70 hours though
My ALT is elevated. 75.
01-25-2026, 06:00 PM
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#18
- GuntherLutze
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- GuntherLutze
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I don't think I'll ever retire. I'll die in my 50s or 60s from stomach cancer or something. I just know it.
01-25-2026, 06:01 PM
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#19
- SoutheastBeast1
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Originally Posted By edwardhaskell⏩
That's the point. You act like sitting around when retired is worthwhile. Those people retired because they were too old to work and have enough to support their existence until death but that's not enjoying life like you make it seem to be.
You sound like a woman...I NEED THANGS TO DO!!!! 😂😂😂
And LOL at your projections.
You think people that finally retire at 65-70 are out doing all kinds of chit like 21 year olds would if they could? Most of them can't even get their cocks up.
And LOL at your projections.
You think people that finally retire at 65-70 are out doing all kinds of chit like 21 year olds would if they could? Most of them can't even get their cocks up.
My point is if you can't really live life which does cost money I hate to burst your bubble then you're better off working.
Let's put it like this. You are 40 years old with 1.5 million allowing you to withdraw 60k per year. You have these 2 options given that situation:
Scenario A: Keep working 40 hours each week and use your vacation time take 2 trips each year traveling to expensive locations like Europe or exotic islands staying at luxurious resorts and doing once in a lifetime activities like seeing the Great Pyramids or skiing the Alps or sailing on the Mediterranean for a few weeks.... whatever floats your boat
or
Scenario B: Retire early, sit around reading, playing video games, or cleaning your house every week with 3-4 road trips in the US to Myrtle beach staying at Holiday Inn for the next 40+ years of your life... because 60k to spend per year really won't go that far and allow you to do much more than that. But you are retired YAY mission accomplished!
Which of these sounds better to you? Who do you think actually lived life more in the end? The guy working in scenario A
"One day I won't be able to lift any more. Not I won't want to lift. I mean physically unable. That day could be decades from now or it could be tomorrow. All I know is that's the day I'll wish I could lift more than ever. The day I'd give anything for one more workout, one more set, or one more cardio session. So go hard and enjoy every workout, every set, every rep. Because one day you will wake up and you will never get it back."
-SoutheastBeast1
01-25-2026, 06:02 PM
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#20
Originally Posted By SoutheastBeast1⏩
this is a good point. so many of the people I see retired are just sitting around bored. That's where you see people get on HOA boards and fuck with other people and shit. they have nothing better to do.
It's just hard to get to the point that it makes sense to retire. It's not worth it to retire and just sit around existing. Retiring early to get 4 lifetimes worth of retirement is only worthwhile if you actually can afford to do the things that make it enjoyable.
Better to work some and maybe partially retire early. Then you can fund a life worth living.
My ALT is elevated. 75.
01-25-2026, 06:03 PM
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#21
01-25-2026, 06:07 PM
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#22
- MichelleLnne
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- MichelleLnne
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I hate working with a passion. I could definitely just not work and be content 😂
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Johnvee73
01-25-2026, 06:10 PM
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#23
- LongNstrong
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- LongNstrong
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Retired at 30. Unexpected inheritance came my way, changed my life. Been living the californiacation life for 3 years now
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01-25-2026, 06:10 PM
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#24
- edwardhaskell
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Originally Posted By SoutheastBeast1⏩
Like I said, time moves differently and you have no concept of this. You are used to rat race life where there's just constantly things to do. When retired time moves as fast or slow as YOU want it to move.
That's the point. You act like sitting around when retired is worthwhile. Those people retired because they were too old to work and have enough to support their existence until death but that's not enjoying life like you make it seem to be.
My point is if you can't really live life which does cost money I hate to burst your bubble then you're better off working.
Let's put it like this. You are 40 years old with 1.5 million allowing you to withdraw 60k per year. You have these 2 options given that situation:
Scenario A: Keep working 40 hours each week and use your vacation time take 2 trips each year traveling to expensive locations like Europe or exotic islands staying at luxurious resorts and doing once in a lifetime activities like seeing the Great Pyramids or skiing the Alps or sailing on the Mediterranean for a few weeks.... whatever floats your boat
or
Scenario B: Retire early, sit around reading, playing video games, or cleaning your house every week with 3-4 road trips in the US to Myrtle beach staying at Holiday Inn for the next 40+ years of your life... because 60k to spend per year really won't go that far and allow you to do much more than that. But you are retired YAY mission accomplished!
Which of these sounds better to you? Who do you think actually lived life more in the end? The guy working in scenario A
My point is if you can't really live life which does cost money I hate to burst your bubble then you're better off working.
Let's put it like this. You are 40 years old with 1.5 million allowing you to withdraw 60k per year. You have these 2 options given that situation:
Scenario A: Keep working 40 hours each week and use your vacation time take 2 trips each year traveling to expensive locations like Europe or exotic islands staying at luxurious resorts and doing once in a lifetime activities like seeing the Great Pyramids or skiing the Alps or sailing on the Mediterranean for a few weeks.... whatever floats your boat
or
Scenario B: Retire early, sit around reading, playing video games, or cleaning your house every week with 3-4 road trips in the US to Myrtle beach staying at Holiday Inn for the next 40+ years of your life... because 60k to spend per year really won't go that far and allow you to do much more than that. But you are retired YAY mission accomplished!
Which of these sounds better to you? Who do you think actually lived life more in the end? The guy working in scenario A
There would be no point in debating this until you've experienced retirement for years at a time. It's like explaining rocket science to a chimp.
01-25-2026, 06:14 PM
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#25
- SoutheastBeast1
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Originally Posted By Zere0wn⏩
Same here. If I hit the point where I have enough saved to retire I consider continuing to work as extra money to fuel more fun experiences. Like I said I'm targeting 2.5 million by the time I'm 41 which would have me living the same way I do now based on projected withdrawals and my current expenses. From there as I continue to work I can save more and spend more on even more fun experiences than the way I live now.
I'd honestly rather work than spend my life cutting the grass and watching sportsball "retired". but that's what so many retirees do.
Sounds so much better to me than just checking out when the extra time would be wasted being bored.
"One day I won't be able to lift any more. Not I won't want to lift. I mean physically unable. That day could be decades from now or it could be tomorrow. All I know is that's the day I'll wish I could lift more than ever. The day I'd give anything for one more workout, one more set, or one more cardio session. So go hard and enjoy every workout, every set, every rep. Because one day you will wake up and you will never get it back."
-SoutheastBeast1
01-25-2026, 06:15 PM
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#26
Originally Posted By SoutheastBeast1⏩
eddie makes these retirement brag threads once a week dating back to new misc. At this point I'm pretty sure he's trying to convince himself.
Same here. If I hit the point where I have enough saved to retire I consider continuing to work as extra money to fuel more fun experiences. Like I said I'm targeting 2.5 million by the time I'm 41 which would have me living the same way I do now based on projected withdrawals and my current expenses. From there as I continue to work I can save more and spend more on even more fun experiences than the way I live now.
Sounds so much better to me than just checking out when the extra time would be wasted being bored.
Sounds so much better to me than just checking out when the extra time would be wasted being bored.
My ALT is elevated. 75.
01-25-2026, 06:16 PM
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#27
- SoutheastBeast1
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Originally Posted By edwardhaskell⏩
Who are you? Pretty sure I never even saw you on old misc and you clearly didn't reactivate an old account which I just assume you never had one.
Like I said, time moves differently and you have no concept of this. You are used to rat race life where there's just constantly things to do. When retired time moves as fast or slow as YOU want it to move.
There would be no point in debating this until you've experienced retirement for years at a time. It's like explaining rocket science to a chimp.
There would be no point in debating this until you've experienced retirement for years at a time. It's like explaining rocket science to a chimp.
Why are you even here? Go live your minimal lifestyle and fuk off u cheeky kunt... the rest of us want to make the most of life and it requires money to do so
"One day I won't be able to lift any more. Not I won't want to lift. I mean physically unable. That day could be decades from now or it could be tomorrow. All I know is that's the day I'll wish I could lift more than ever. The day I'd give anything for one more workout, one more set, or one more cardio session. So go hard and enjoy every workout, every set, every rep. Because one day you will wake up and you will never get it back."
-SoutheastBeast1
01-25-2026, 06:17 PM
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#28
- edwardhaskell
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Originally Posted By SoutheastBeast1⏩
99.9999% chance i'd be bored out of my arse doing whatever work you do day after day after day after day.
Same here. If I hit the point where I have enough saved to retire I consider continuing to work as extra money to fuel more fun experiences. Like I said I'm targeting 2.5 million by the time I'm 41 which would have me living the same way I do now based on projected withdrawals and my current expenses. From there as I continue to work I can save more and spend more on even more fun experiences than the way I live now.
Sounds so much better to me than just checking out when the extra time would be wasted being bored.
Sounds so much better to me than just checking out when the extra time would be wasted being bored.
01-25-2026, 06:18 PM
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#29
- edwardhaskell
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Originally Posted By SoutheastBeast1⏩
Apparently, I'm your worst nightmare.
Who are you? Pretty sure I never even saw you on old misc and you clearly didn't reactivate an old account which I just assume you never had one.
Why are you even here? Go live your minimal lifestyle and fuk off u cheeky kunt... the rest of us want to make the most of life and it requires money to do so
Why are you even here? Go live your minimal lifestyle and fuk off u cheeky kunt... the rest of us want to make the most of life and it requires money to do so
01-25-2026, 06:20 PM
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#30
- SoutheastBeast1
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Originally Posted By edwardhaskell⏩
Have fun sneaking into fancy hotels I stay at without concern
Apparently, I'm your worst nightmare.
"One day I won't be able to lift any more. Not I won't want to lift. I mean physically unable. That day could be decades from now or it could be tomorrow. All I know is that's the day I'll wish I could lift more than ever. The day I'd give anything for one more workout, one more set, or one more cardio session. So go hard and enjoy every workout, every set, every rep. Because one day you will wake up and you will never get it back."
-SoutheastBeast1
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