The rub of it is that we don’t know the future, the extra SS income stream if you delayed could be key if you run into health problems later in retirement that necessitate long term care. That stuff is expensive, and the places you’ll end up if you’re out of funds aren’t the places you want to be. Which isn’t to say your choice is bad, just offering another perspective where you might care about this even without kids or a spouse to worry about.
I’ve thought a good amount about it, but I’m only on the cusp of 40. I think for many people it’s not even a choice to start pulling SS early, it’s a necessity. For example my dad has terrible finances and started taking payments at 63 because it was that or building up (more) credit card debt.
Going back to the FIRE angle, I plan on retiring far enough out that I don’t foresee SS being a major factor either way. I’m also far enough out that whatever is going to happen with payments will long since have happened by the time I’m eligible. So my current thinking is to frame it as longevity insurance — basically leave it until 70 so if I live longer than I expect I’ll have a stronger income stream from SS for long term care or whatever else.
How heavily does SS figure into your retirement plans?
I guess it depends on the labor market, it could mean more competition for the same pool of game developers.
Jokes on them, we used IVF, they got picked for who knows what reason under a microscope.
From your most photogenic swimmer.
It has “force”, but it’s not very impressive, I can shoot saliva in approximately a 1ft / 30cm arch.
This is my time to shine, my body is full of useless, I can:
- gleek intentionally (saving people a search: it’s causing the salivary glands under your tongue to shoot saliva, people often do it unintentionally when yawning)
- open my jaw wide enough that it goes out of socket, and twofer I can then move it side to side and produce a loud popping noise
- bend my thumb down to my wrist
- cause my heart rate to spike for short periods even when at rest
- make a three leaf clover with my tongue
- click my tongue extremely loudly
I’d love to see more content and engagement. It’s hard when you’re a niche community within a niche platform. More posts amongst the same small set of voices may or may not end up leading to meaningful engagement.
Perhaps a parallel question to consider that ties in with your goal of helping more people improve their financial lives: What content would attract new members to the community? Naively the back to basics type focus seems like something that could be welcoming for newcomers, even just explaining what FIRE is and how the (Shocking Simple™) math works.
Honestly it’s a shame there wasn’t a meaningful migration of FIRE folks from reddit to lemmy.
I don’t know, I keep seeing Christopher Walken when I see these pictures of the kid.
I’m leaving the country for two weeks for work. Am I doing it right?
Nobody exists on purpose, nobody belongs anywhere, we’re all going to die. Come watch TV.
I’m pretty sure all insect fragments, rodent droppings, and the like all vanish as soon as they cross the EU border in accordance with food safety regulations. /s
I did start reading into said EU regulations a bit, but I won’t ruin your day.
I’ll let you know when it happens. 😅 I’m solidly in OMY syndrome.
I think I’ll stop in the next year or three, but that might just be the one more year syndrome talking.
Why I think I’ll do it:
- Decreasing benefit to additional savings, I’m looking for more buffer, not lifestyle creep
- Less interest and satisfaction with work — as I’ve climbed the ladder it’s become more politics and fiefdoms, it’s where the money is but not what I enjoy
- I’d like to spend more time with my kids as they get out of toddlerhood, I work a lot and have to travel several times a year, it’s not the best balance and I doubt I’ll look back and wish I spent less time with my kids
You’re not going to be encouraged by everything else they allow.
Though I think (anyone feel free to jump in if I’ve got it wrong) that the coffee limits are not 10% non-coffee matter by weight but rather 10% of beans demonstrating insect damage/infestation/mold. This is not exactly reassuring, but it’s almost certainly far less insects than 10% of your coffee bag’s weight being ground up buggies. You can read about the FDA’s coffee analysis process which is interesting, if somewhat opaque.
I’ll have you know roachfee is a sustainable alternative to pure coffee. /s
More seriously it looks like this is primarily based on anecdotes and was directed at ground coffee vs whole beans.
Poe’s law has only gotten more true over the last couple of decades.
