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Current Events   »   Where does Lasagna fall on your personal food tier list?
SilvosForever
06/17/2024
08:39 AM
#11
R1masher posted...
Well, its a layered answer, Ive got a lot on my plate right now so without being too cheesy Ill try to get to the meat of it god tier is the meat, I guess the high tier is the ricotta, mid is the mootz, low tier is the sauce, trash tier is the noodle

*silence*

*one sole audience member slowly stands*

*they slowly start clapping*
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Current Events   »   CE, is it unprofessional to keep your purse on your desk at work?
SilvosForever
06/17/2024
08:08 AM
#3
I'm not used to seeing them on desks but I don't know where you would keep it either. Maybe in one of your drawers or on the ground beneath the desk.
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Current Events   »   What have you eaten today?
SilvosForever
06/17/2024
08:06 AM
#6
I probably won't have anything to eat until like 6pm after my exercise.

I will probably sip on a Diet Dr. Pepper from now through the afternoon.
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Current Events   »   Where does Lasagna fall on your personal food tier list?
SilvosForever
06/17/2024
08:05 AM
#1
Lasagna

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Current Events   »   What if FFT Remaster was real but they let AI do the whole thing
SilvosForever
06/14/2024
02:38 PM
#1
https://gamefaqs.gamespot.com/a/forum/6/6fa19c52.jpg
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Current Events   »   WNBA to Lose Roughly $50 Million This Year Despite Explosion in Popularity
SilvosForever
06/14/2024
02:34 PM
#37
https://gamefaqs.gamespot.com/a/forum/5/57d885e5.jpg
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Current Events   »   French Fries all over my body
SilvosForever
06/14/2024
02:15 PM
#1
https://gamefaqs.gamespot.com/a/forum/b/b4beebfd.jpg
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Current Events   »   Thank you for applying with Chipotle!
SilvosForever
06/14/2024
02:07 PM
#3
https://gamefaqs.gamespot.com/a/forum/f/f1249aaa.jpg
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Current Events   »   i try to meditate CE but my mind keeps on.
SilvosForever
06/14/2024
11:09 AM
#5
Focus on breathing and only breathing. In and out.
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Current Events   »   Are there any activities in which you would describe yourself as a Monster?
SilvosForever
06/14/2024
11:06 AM
#1
Hmm?

>_>
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Current Events   »   ERCOT CEO Stuns Texas Officials With New Estimate For Power Needs
SilvosForever
06/14/2024
10:44 AM
#8
Are those farms really moving to Texas though? They're not even the cheapest state for electricity. I would think Crypto miners would go to midwest states or wherever elec is cheapest of all.

Sounds like they're just making excuses.
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Current Events   »   Is it a good idea to have kids
SilvosForever
06/14/2024
08:25 AM
#12
It is your genetic mission to spread your seed as far and wide as possible.

Aim for 12 kids. At least.
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Current Events   »   Did some napkin math and figured I need about $932,000 saved to retire.
SilvosForever
06/13/2024
01:56 PM
#25
Dat_Cracka_Jax posted...
There are penalties and taxes if withdrawing from 401k before a certain age. Did you account for that?

I did. I'm going to do a Roth ladder and move money into a taxable account using a 5 year window. But I'll wait until I actually retire so that taxable income is at a lower income bracket (since it's a taxable event).

I need enough money in checking account + run that ladder long enough to make it until 59, when you can withdraw without penalty. That's also when medicaid should kick in IIRC. So I have to do my own personal health insurance plan between then, which the silver plan in my state is roughly $500 per month for coverage.
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Current Events   »   Did some napkin math and figured I need about $932,000 saved to retire.
SilvosForever
06/13/2024
01:53 PM
#23
archizzy posted...
Im in a similar situation and looking at early retirement. I own my home and vehicle. All my monthly expenditures are about $1,500 a month. I mean absolutely everything. All required monthly bills, property taxes, insurance, food, gas, truly everything. Roughly $18,000 a year and like you I have lived well below my means for a long time.

Last year outside required monthly bills I only spent $75 the entire year. 1 game and 4 books. This year I literally just spent my first money of the year a week ago. I made a topic about it. $69.35. I spend very little and live in a cheap cost of living area of the Midwest.

I wont get into specific numbers but I expect to eclipse a million in my retirement in the next 5 years if I average 10% yield which historically has not been an issue. This isnt counting some other investments nor my savings itself which will be a fairly decent chunk as well. Like you Im not even looking at social security. From the time I was 18 I went in the assumption it wouldnt be there because thats what they told us. Anything I get would be a bonus.

And I hope this day never comes but if and when my dad were to pass there would be significant gains there but again I hope I never experience that until way way way later.

I dont have an exact set target number, but Im confident Im going to have more than I need and no way in hell am I working to 65 or 67. Im going to be done before then. In two weeks Im starting year 26 at my current job. I also spent 5 years in the Navy doing a similar job. So Ive been doing this type of work for 31 years. Im currently 48 years old. I definitely dont want to do another 17+ years of this. Ive had my fill. Im looking to be done somewhere in my mid to upper 50s.

So Ive had very similar thoughts to you and roughly estimated some napkin math myself. I totally get where you are coming from.

Congrats on how far you've come. I think you'll be fine.

Time in the market > Timing the market. Money invested earlier grows itself longer. Exponentiation!
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Current Events   »   Did some napkin math and figured I need about $932,000 saved to retire.
SilvosForever
06/13/2024
01:48 PM
#20
JustMyOpinion posted...
How does one have a car paid for the rest of their life?

I'll drive this one until it falls apart probably. I do figure I'll need a new vehicle eventually. But it'll be a hybrid Camry or something.
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Current Events   »   Did some napkin math and figured I need about $932,000 saved to retire.
SilvosForever
06/13/2024
01:48 PM
#18
Sephiroth_C_Ryu posted...
How soon do you actually intend to retire?

Because *goes on doomer rant about how bad the climate situation is and how things like agriculture kinda need STABLE climates, etc etc etc*

With any luck maybe 8 years or so from now? I'll be 46 or 47 depending.

emblem-man posted...
With house and car paid for, it seems very realistic to me.

Yeah I'm a pretty frugal person. Simple tastes.

LonelyStoner posted...
What did you invest in? I need to start.

My first job's 401k was a retirement scheduled account targeting 2045 or something like that.

My current job 401k is mostly tech stocks.

Any extra money I get in my brokerage I put into VOO. Invest money every week on Monday into VOO, it's a fund that covers many companies.

I thought about rolling the old 401k forward to my current one, but honestly it's been out-performing the new one's selections lol so I haven't touched it.
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Current Events   »   Did some napkin math and figured I need about $932,000 saved to retire.
SilvosForever
06/13/2024
01:26 PM
#10
Dat_Cracka_Jax posted...
So you think you can live off $37k per year for the rest of your life? Okay

Yeah I think so. My city isn't a huge cost of living. I'm assuming $2k per month credit card expenditure too, where reality today is usually $1100 per month credit card. That is all food, gas, games, etc.

I also did the math for electric, water, trash pickup, insurance, health coverage, etc.

The point is the investment interest will be growing faster than my expenditures - so they just balance each other out and the "egg" does not shrink. Or if it does shrink it's slower than my end of life.

And I plan to live to 100 lol.
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Current Events   »   Did some napkin math and figured I need about $932,000 saved to retire.
SilvosForever
06/13/2024
01:22 PM
#6
DKBananaSlamma posted...
What about inflation?

I think the 4% rule accounts for inflation, because typically the market our performs that by more than the inflation rate. I can say for a fact my accounts have been averaging like 12% yield for the past 3 years.

Nothing is guaranteed of course, which is why I put my monthly credit card estimate higher than it usually is.
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Current Events   »   Did some napkin math and figured I need about $932,000 saved to retire.
SilvosForever
06/13/2024
01:21 PM
#5
JustMyOpinion posted...
Not so humble bragging topic.

I guess. For what it's worth, I've lived below my means for 2 decades. Hardly any trips, vacations etc. Don't even go out to the movies really. Nothing better to do with money I didn't need right away so I invest most of it. My salary isn't crazy or anything.
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Current Events   »   Did some napkin math and figured I need about $932,000 saved to retire.
SilvosForever
06/13/2024
01:17 PM
#1
Did all my annual expenses I could possibly account for, plus wiggle room, plus medical coverage before 55, etc. and found my annual total expenses are $37,260. House and car are finished. I live alone.

Doing the 4% rule roughly, at any point I eclipse $932,000 saved I could live off investment returns in perpetuity.

Luckily, adding all my accounts together etc. puts me over 2/3rds of the way there. With any luck I'll get the rest of the way within the next 8-10 years barring any cataclysmic events of course.

So I got that going for me - which is nice.

Edit: This all assumes no help from social security, ever. So if I get that running in my 60s then all the better.
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Current Events   »   From where does this Sticking it to the Libs mindset stem, do you think?
SilvosForever
06/13/2024
10:37 AM
#1
Fundamentalist Christians that want to remove the practice of abortion from existence?

Hardcore gun fanatics that don't want people "coming to take my guns"?

People deathly afraid of all foreigners who think immigration "ruins the country"?

I know most conservatives circle back around to voting "against the left" - but I'm just wondering what the driving issue is on that? Why do they hate the left so much? You'd think we kicked their puppy.
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Current Events   »   UPDATED: Alright - here's an upcoming games to look forward to list
SilvosForever
06/13/2024
07:51 AM
#10
bump
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Current Events   »   Not all opinions are equal. Not all opinions are valid.
SilvosForever
06/12/2024
04:02 PM
#1
"The sky is green."

No - it actually is not. Fucker.
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Current Events   »   How spicy do you like your chicken/whatever?
SilvosForever
06/12/2024
02:11 PM
#1
Topic
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Current Events   »   UPDATED: Alright - here's an upcoming games to look forward to list
SilvosForever
06/12/2024
02:00 PM
#8
I'll post another update if we get a Nintendo Direct soon.
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Current Events   »   UPDATED: Alright - here's an upcoming games to look forward to list
SilvosForever
06/12/2024
01:52 PM
#1
I left out stuff I didn't care for, but there's like a LOT out there man. Tons of stuff I probably missed too and a lot of Indie things. Everything here though I'm at least aware of and keeping my eye on. All seem worth a damn or could be good. I included the release date/platform info I could find.

Already Out:

Rise of the Ronin (PS5)
Nine Sols (PC)
Hades II (early access) (PC)
Alan Wake II (PS5, PC, Xbox)

Future Game Releases:

Shin Megami Tensei V Vengeance - June 14 (PS5, PC, Xbox, Switch)
Elden Ring Shadow of the Erdtree - June 21 (PS5, PC, Xbox)
Flintlock: The Siege of Dawn - July 18 (PS5, PC, Xbox)
Where Winds Meet - July 26? (PS5, PC)
Tomba! Special Edition - August 1 (PS5, PC, Switch)
Volgarr the Viking II - August 6 (PS5, PC, Xbox, Switch)
Black Myth: Wukong - August 20 (PS5, PC, Xbox)
Visions of Mana - August 29 (PS5, PC, Xbox)
Star Wars Outlaws - August 30 (PS5, PC, Xbox)
Astro Bot - September 5 (PS5)
Warhammer 40,000: Space Marine 2 - September 9 (PS5, PC, Xbox)
Metaphor: ReFantazio - October 11 (PS5, PC, Xbox)
Assassin's Creed Shadows - November 12 (PS5, PC, Xbox)

Dragon Age: The Veilguard - Q4 2024 (PS5, PC, Xbox)
Metal Slug Tactics - Q4 2024 (PS5, PC, Xbox, Switch)
Mighty Morphin Power Rangers: Rita's Rewind - Q4 2024 (PS5, PC, Xbox)
Phantom Blade Zero - 2024 (PS5, PC)
Indiana Jones and the Great Circle - 2024 (Xbox)
Metal Gear Solid Delta: Snake Eater - 2024 (PS5, PC, Xbox)
Dragon Quest 3 HD-2D - 2024? (PS5, PC, Xbox, Switch)
Suikoden I & II HD Remaster: Gate Rune and Dunan Unification Wars - 2024? (PS5, PC, Xbox, Switch)
Balatro (mobile version) - 2024? (Android, iOS)

Dynasty Warriors Origins - first half 2025 (PS5, PC, Xbox)
Monster Hunter Wilds - 2025 (PS5, PC, Xbox)
Clair Obscur: Expedition 33 - 2025 (PS5, PC, Xbox)
South of Midnight - 2025 (PC, Xbox)
Doom: The Dark Ages - 2025 (PS5, PC, Xbox)
Mecha Break - 2025 (PS5, PC, Xbox)
Wuchang: Fallen Feathers - 2025 (PC, Xbox)
Grand Theft Auto VI - 2025 (PS5, Xbox)
Fable - 2025 (PC, Xbox)
Possessor(s) - 2025 (PC)

Kingdom Hearts 4 - 2026 (???)
Prince of Persia: The Sands of Time - 2026 (???)

Yooka-Replaylee - TBA (PC, ???)
Altered Alma - TBA (PC, ???)
Tenjutsu - TBA (PC)
Metroid Prime 4 - TBA (Switch?)
Dragon Quest XII: The Flames of Fate - TBA (???)
Little Devil Inside - TBA (PS5, PC, Xbox, Switch?)
Hollow Knight: Silksong - TBA (???)
The Nightscarred: Forgotten Gods - TBA (PC)
Perfect Dark - TBA (PC, Xbox)
Gears of War: E-Day - TBA (PC, Xbox)
Final Fantasy Remake Part 3 - TBA (PS5, ???)
Elder Scrolls VI - TBA (???)
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Current Events   »   DALL-E 3, Part X: Copiloting with Fandom
SilvosForever
06/11/2024
03:26 PM
#119
https://gamefaqs.gamespot.com/a/forum/d/ddc7c2f5.jpg
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Current Events   »   I hate Kyrie, but I hate Bostonians more. Celtics cannot win this series
SilvosForever
06/11/2024
01:24 PM
#3
They can and they likely will.
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Current Events   »   ...and soon you will inherit the black knowledge of the SPHERE.
SilvosForever
06/11/2024
11:10 AM
#1
All truths laid bare before you - the all knowing Dark One bestowing wisdom for all.
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Current Events   »   Are there enough good people left in America to stop Trump?
SilvosForever
06/10/2024
08:23 AM
#1
Topic
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Current Events   »   What should you do when the first reply you get is "no one cares"?
SilvosForever
06/10/2024
08:23 AM
#7
You respond:

"You cared enough to complain."
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Current Events   »   What is the best classic Mega Man song?
SilvosForever
06/07/2024
01:52 PM
#8
Mega Man rumors for game news soon....
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Current Events   »   What is the best classic Mega Man song?
SilvosForever
06/06/2024
10:06 PM
#1
And why is it Shade Man's theme?

https://www.youtube.com/watch?v=adYkM6VYyrk

BANGER.
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Current Events   »   If your job required you to take an oath, how seriously would you take that oath
SilvosForever
06/06/2024
02:31 PM
#5
Directly determined by how much I care about the job. You can quit the job at any time.
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Current Events   »   Would you be more active if Videogames never
SilvosForever
06/06/2024
01:59 PM
#7
I'd probably replace them with a lot of book reading and movie watching.
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Current Events   »   Biden to sign executive order that would "shut down" the border
SilvosForever
06/06/2024
01:06 PM
#75
Although most here may not agree - I think this gains more votes in November than it loses. Although it probably doesn't move the needle a lot either way.
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Current Events   »   Is your local red lobster shutting down? *list*
SilvosForever
06/06/2024
01:04 PM
#18
Mine is staying I guess.
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Current Events   »   Write your own damn code, people.
SilvosForever
06/06/2024
12:34 PM
#15
Parse my own text or csv file? Sure I'll do it myself.

Read an Excel spreadsheet as input. Bro I'm not reinventing the wheel I'll find a Nuget package that does it.
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Current Events   »   My opinion about Reddit continues to decline
SilvosForever
06/06/2024
10:51 AM
#4
Every cell in your body has been replaced in the past 7 years.

You are a completely different person than you were 7 years ago.
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Current Events   »   What do you guys do when stressed.
SilvosForever
06/06/2024
10:15 AM
#5
Going for a walk can help. Loop around the block or whatever. Weather has been nice lately, the sunshine can lift your mood.
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Current Events   »   Batman should play baseball.
SilvosForever
06/06/2024
08:50 AM
#10
https://en.wikipedia.org/wiki/Ninja_Baseball_Bat_Man
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Current Events   »   Thank you for your interest in Wendy's.
SilvosForever
06/05/2024
11:40 AM
#7
What exactly makes someone a "better candidate" for a burger place?

Do they want only people insanely overqualified flipping burgers for them, lol.
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Current Events   »   If you've ever typed lol but did not actually laugh out loud IRL, you are a liar
SilvosForever
06/03/2024
04:18 PM
#1
You LIAR
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Current Events   »   Epic. Simply epic.
SilvosForever
06/03/2024
03:57 PM
#4
Awesome.

Awesome to the MAX.
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Current Events   »   What topping to do you use for a chicago style pizza?
SilvosForever
06/03/2024
03:34 PM
#2
These things are closer to Lasagna than Pizza.
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Current Events   »   Who are you guys?
SilvosForever
06/03/2024
03:30 PM
#30
"WHO ARE YOU!?"
"I'M YOU!"
"WELL THEN WHO AM I!?"
"YOU'RE ME!"
"RRHAHEHERHEHREHEHAHEHEHRE!!!!!"
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Current Events   »   Mario Kart: Double Dash... Good game or nah?
SilvosForever
06/03/2024
01:56 PM
#27
It's very good. Better than MK64.
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Current Events   »   Best Married With Children episode?
SilvosForever
06/03/2024
01:56 PM
#3
Anything with "NO MA'AM"
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Current Events   »   Sometimes I just really love a low-attention gamey game. You?
SilvosForever
06/03/2024
01:55 PM
#1
Can call them "podcast" games.

Games that don't require your full attention. You can zone out and play and listen to a podcast or whatever else on the side. And just game away for hours and hours.

MMOs can be like this. Or roguelikes, or a grindey explorey section of an RPG where there's not much story happening.

It's zen. It's relaxing. it doesn't need my attention but still feels like I'm doing something.

Anyone else like a game like this?
All your favorite RPGs: http://www.youtube.com/user/silvosforever
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Current Events   »   The final battle in FFVII Rebirth is utter shit *SPOILERS*
SilvosForever
06/02/2024
10:31 PM
#17
Dude no one gives a fuck about your skill issues.
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