Oppo Ask Part 2: What would you do with $600k

"VajazzleMcDildertits - read carefully, respond politely" (vajazzlemcdildertits) 10/09/2019 at 20:04 • Filed to: ask oppo, oppo ask, 600k, money, retirement

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So a while ago I !!!error: Indecipherable SUB-paragraph formatting!!! and yall had some pretty clever answers.

So now, let’s play another game called “What would you do with $6 00k?”

I don’t have 6 00k either, but I could earn/save/accrue that much before my body deteriorates fully before retirement. I’m nowhere near , but compound interest is an unstoppable force.

Do you do what you did at 100K and just extend the same pattern? Do you sit back and take a few years off? Do you immediately reinvest?

I’m thinking of looking up countries that are much cheaper to live in than the US but maintain a post-industrial culture and some modicum of English speaking.   Call it my getaway plan, in case my series of bank heists are ever discovered. 

CarsofFortLangley - Oppo Forever > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 20:25

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Buy every Oppo a NA Miata

VajazzleMcDildertits - read carefully, respond politely > CarsofFortLangley - Oppo Forever 10/09/2019 at 20:28

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#COTY

Neil drives a beetle and a fancy beetle > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 20:29

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Payoff student loans and house loan. And that’s about it...

Maybe use $21k for an E550 coupe and a tune.

diplodicus forgot his password > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 20:29

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Buy a farm

VajazzleMcDildertits - read carefully, respond politely > Neil drives a beetle and a fancy beetle 10/09/2019 at 20:32

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If you don’t mind me asking, how much do you have left on your loans? I’ve heard answers that go from a mild $8k to something like $125k, which I can’t even fathom. I paid off $35 k over 19 years and it was a lot of blood sweat and toil.

VajazzleMcDildertits - read carefully, respond politely > diplodicus forgot his password 10/09/2019 at 20:32

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Farms are underrated 

facw > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 20:32

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Just invest it.

VajazzleMcDildertits - read carefully, respond politely > facw 10/09/2019 at 20:34

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It would be smart. I can’t deny that. 

Your boy, BJR > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 20:35

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Buy a fast  sportfishing yacht and take up smuggling under the cover of charter fishing.

ITA97, now with more Jag @ opposite-lock.com > CarsofFortLangley - Oppo Forever 10/09/2019 at 20:38

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Buying every NB would be an even better answer. All the things about the NA you want , but also just a bit better in about every way.

Tristan > diplodicus forgot his password 10/09/2019 at 20:42

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This.

themanwithsauce - has as many vehicles as job titles > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 20:42

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I had a boss who had an eye watering 200k$ in debt. Granted, he had a master’s degree as well as his bachelor’s but still.....

I left with about 12k despite attending a private college.

gmporschenut also a fan of hondas > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 20:42

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Fuckkinja > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 20:42

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Built a small farm out of pocket. 4 years and $100k. Had to live very  poor. 

I bought the neighbors huge farm recently and ruined my debt free life. Farms are under rated.

Wobbles the Mind > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 20:42

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600k is actually enough for me to retire tomorrow and be good for life. I would need to invest aiming for at least a 5% return per year though, pre-tax.

CTSenVy > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 20:43

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Probably fix my Dad up with an RV for his retirement plans.  Pay off a cheap house for myself.  

Poor_Sh > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 20:43

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Truck, trailer, 718 Cayman GT4 club sport, go run a track weekend at every track I can possibly drive the trailer to.

NKato > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 20:44

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 Buy a bunch of land in Montana, build a modest house, and any money left over goes to investments. Done. 

VajazzleMcDildertits - read carefully, respond politely > themanwithsauce - has as many vehicles as job titles 10/09/2019 at 20:48

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200k? Great googly moogly

VajazzleMcDildertits - read carefully, respond politely > Wobbles the Mind 10/09/2019 at 20:50

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This is amazing and I hope it somehow happens

VajazzleMcDildertits - read carefully, respond politely > Poor_Sh 10/09/2019 at 20:50

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Those GT4s are so so so so so so so so suh-weeeeeet!

I keep looking at em. I love em. 

VajazzleMcDildertits - read carefully, respond politely > NKato 10/09/2019 at 20:51

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What appeals to you about Montana? My wife would freeze to death but we’re considering moving somewhere else anyway. 

VajazzleMcDildertits - read carefully, respond politely > Your boy, BJR 10/09/2019 at 20:51

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Smuggling what, though

RallyWrench > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 20:51

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Pay off my house, put some money away for car stuff (maybe $20k) , put some big chunks into  retirement and kids college/future , and maybe look for a piece of property in the Sierras somewhere. Should all be easily doable for $600k.

Pixel > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 20:52

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Pay off our house ($180k)

Do *all* the upgrades we want to do, including major upgrades to the garage/shop ($50-100K depending on how much I outsource).

New car for my partner ($20-3 0k)

Newer used car for me ( $10 k, don’t want new because I am *hard* on cars and nothing new thrills me )

Co llege fund for her kiddo ($50K)

Another toy car ($10k)

Invest the rest so we both have retirement and possibly don’t ha ve to work full time.

VajazzleMcDildertits - read carefully, respond politely > RallyWrench 10/09/2019 at 20:52

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When you say Sierras, you mean like the Norcal/Nevada area? 

SiennaMan > facw 10/09/2019 at 20:53

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I have some cool car related answers, but that’s basically what I’d likely do too.

To flesh out my answer, I’d probably take 80-100k and payoff smaller debts, refresh the family fleet (average car age=11yo) and take the family on a nice vacation. The remaining would be invested with an aim to both me and the missus for certain retiring by 65..

VajazzleMcDildertits - read carefully, respond politely > Pixel 10/09/2019 at 20:53

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Is the idea between your new-used car and the toy car to have one daily and one track rat? 

nermal > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 20:55

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Blow $50k on dumb shit. Keep $150k in liquid assets. Use remaining $400k for down payments on investment properties, using the 20% rule that should be able to get you $2M worth of property.

Call that 10 $200k houses. The mortgage on each should be ~$1k / month, and they should rent for $1500 - $2k each. Keep building off of that and buying up more and more properties. 

VajazzleMcDildertits - read carefully, respond politely > nermal 10/09/2019 at 20:58

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Interesting, and I’ve thought about that kind of thing before. It’s interesting seeing the math in front of you. In a solid rental market, I don’t think that’s a bad idea at all. 

Daily Drives a Dragon - One Last Lap > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 20:59

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Student loans, down payment on a house, buy a reasonable daily (and keep miles off the 4Runner),  r einvest the rest.

CB > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 20:59

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New truck (probably a Ranger).

Buy a BRZ.

Save the rest.

VajazzleMcDildertits - read carefully, respond politely > CB 10/09/2019 at 21:00

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Affix a Ranger bed onto a BRZ? 

Pixel > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 21:02

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Daily that is also useful and a little fun (probably another Honda Fi t 5spd). I Currently have my Colony Park Wagon to fulfill the “C omfortable highway c ruiser I an sometimes commute in and can carry bigger stuff with ”. So I’d probably go for an interesting classic I could do a lot of customizing and/or upgrading to (Current dream is this this ‘51 Pontiac, and a 2JZ/5spd drivetrain donor)

CB > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 21:03

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Nah, nothing too absurd.

dtg11 - is probably on an adventure with Clifford > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 21:04

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$500k in various savings/stocks/mutual funds/retirement funds

$25k for student loan debt

$75k for spending money (mostly on cars)

I’d sell the G37, buy an M56, GX460, and a turbo or supercharged NC Miata, plus diecasts and other stuff

Poor_Sh > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 21:05

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Yeah and there's apparently a GT4 RS coming that might just give me a heart attack.

VajazzleMcDildertits - read carefully, respond politely > CB 10/09/2019 at 21:05

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Pretty chill, I gotta say, that feels respectable to me

VajazzleMcDildertits - read carefully, respond politely > Pixel 10/09/2019 at 21:05

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Oh a ‘51 with a 2JZ sounds interesting as hell

VajazzleMcDildertits - read carefully, respond politely > Poor_Sh 10/09/2019 at 21:06

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CB > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 21:11

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I’ve taken cars up to 185 km/h (legally, of course). Fast cars, slow cars, whatever. You can have fun with anything once you recognize what it is and what its strengths are.

VajazzleMcDildertits - read carefully, respond politely > CB 10/09/2019 at 21:12

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I agree with this wholeheartedly

NKato > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 21:15

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Middle of bumfuck nowhere, plenty of room, cheap land, and you can just stock up on months of food before it spoils in the winter if power dies.

Also, some crazy guy installed fiber optic across half of Montana. 

Your boy, BJR > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 21:23

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Whatever I’m paid to.

Nibby > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 21:25

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spend all of it on jalopnik gold

Dogsatemypants > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 21:27

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Buy 3 modest properties in decent neighborhoods. Rent them. Move to the woods, grow weed and chill

Deal Killer - Powered by Focus > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 21:30

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Is this $600,000 free and clear?  I’ll assume so for arguments sake.  First, I’d fix my house enough to sell, than buy something a bit nicer that my wife and I could live in for a long time. I’d say no more than $50-$75 grand all in for that.  Next, pay off my daughters student loan, $10k.  Put $$$ away for my sons college fund, say$50-75 grand.  Upgrade the auto fleet, another $40-$50 for three cars.  The rest is banked for a rainy day.  

Neil drives a beetle and a fancy beetle > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 21:32

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My loans are over $150k ; I went to law school and then worked public service for 5 years making what payments I could but the interest ballooned . When I saw the successs rates of public service loan forgiveness applicants(maybe less than . 1%) around the time I moved I decided to ditch public service but only now that my daughter isn’t in daycare can I make much of a dent. This year though my wife and I are going to consolidate and refinance on a 20 year plan. So I won’t die with them :)

promoted by the color red > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 21:35

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1.) Buy a house with a big ‘ol plot of land out in the desert. (~200k)

2.) Use leftover money ($100k) for down payment towards a house in the San Gabriel Valley.

3.) Buy a 4wd Sprinter as my parts & stuff hauler. (~$50k)

4.) Save whatever is left after completely restoring the Volvo.

someassemblyrequired > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 21:40

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Renting single-family homes is a PITA. High-end m ulti-family is where the real $$$$ is made.

VajazzleMcDildertits - read carefully, respond politely > someassemblyrequired 10/09/2019 at 21:45

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So for someone who’s not very savvy at that sort of thing, what’s a High-end multi  family? Like an apartment complex? 

Captain of the Enterprise > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 21:46

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Move out the same day to get away from my fucking dad and stepmom.

Pay off my student debt

Pay of my credit card debt

Pay off my car

Buy a house, nothing fancy just closer to school and with at least two bedrooms so one could be an office and the other a bedroom. 

Finish college

Keep working just my research job instead of two

Go to grad school for a Ph. D. in social work

Keep seeing my therapist and psychiatrist

Buy healthier food that I can now afford

Be able to cook food (can’t right now with my fucking stepmom who freaks out and yells when I use the stove).

Probably not talk to dad and stepmom for months at which point maybe never again because it’ll help with my mental health. 

If I still have cash left maybe get a nicer car, nothing crazy maybe an F150 4x4 with the 5.0 and the FX4 pack, lariat probably so I can have blind spot monitoring, cooled seats and duel zone climate. If I had enough maybe a raptor actually but that would be pretty big for commuting. I could go cheaper and be happy though too. I like suvs so maybe a Lexus GX so I can have a 4Runner with a V8. 

VajazzleMcDildertits - read carefully, respond politely > Neil drives a beetle and a fancy beetle 10/09/2019 at 21:46

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I respect what you’ve done - public service is not exactly easy. I am surprise d and disappointed that loan forgiveness rates are so low, and I wish you luck on your consolidation. 

VajazzleMcDildertits - read carefully, respond politely > Deal Killer - Powered by Focus 10/09/2019 at 21:48

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Yeah, free and clear, no tax obligation and you don’t have to spend it on cars (although let’s be honest with ourselves and we will spend at least some of it on cars. )

There’s going to be an amazing rain on that day when it comes calling, though. Sounds like most of what you want is under 150k. 

someassemblyrequired > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 22:25

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Yeah, nice building in a desirable area. You want high rents, predictable (high) occupancy and none of the drama/expenses that comes with being a slumlord (though there will always be drama renting out property).

Being a slumlord really only pencils out if you do your own management - it can get very expensive if you have to pay a management company and pay management company prices for dealing with the aftermath of bad tenants.

MKULTRA1982(ConCrustyBrick) > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 22:27

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I would use it to finish school, while investing the remainder (in the most shady rich guy ways possible to maximize my return) . Once graduated I would travel the world and get all worldly. After doing that for a couple years I would use whatever funds had accrued to start a Mother Base type situation somewhere in the Gulf of Mexico and do my best to start a rag-tag international crime fighting team. 

Highlander-Datsuns are Forever > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 22:39

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I would put a down payment on one of these.

https://www.cargurus.com/Cars/l-Used-Bugatti-Veyron-d1042

Snuze: Needs another Swede > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 22:40

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Id spend half on the following: pay wifey’s Terrain off, buy myself that SS/1LE Camaro I want, get our driveway redone, get a new roof, and then put the balance (230k give or take) towards the house and re-fi to a 15 year mortgage. That would cut over $600 out of out payment and we’d pay it off in half the time (we’ve only been here 2 years so I don’t even think we own a room yet).

The rest I’d invest and let that interest start compounding.

Also, why 600k?  Seems like a slightly odd number to pick. 

Dr. Zoidberg - RIP Oppo > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 22:49

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Pay off student loans

Take six months off work

Pay off house

G o back to work

Eric @ opposite-lock.com > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 23:21

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Hard to decide, but options include:

1) Pay the majority of my house off and invest the rest.

2) Buy a successful business or houses to get some additional   income streams .

3) Buy my wife a car.

In all likelihood, I’d split it into multiple of these, but this would free up a lot of money every month from our incomes to care for the baby and be enough to not worry about employment stability anymore . Not enough to retire, and certainly not in a modern western country, but enough to supercharge retirement savings. I’d likely be able to retire within 20 years with more than enough to never worry about money again.

Eric @ opposite-lock.com > promoted by the color red 10/09/2019 at 23:29

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Why the SGV?

VajazzleMcDildertits - read carefully, respond politely > someassemblyrequired 10/09/2019 at 23:30

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Th is is great info, thank you.

VajazzleMcDildertits - read carefully, respond politely > Snuze: Needs another Swede 10/09/2019 at 23:33

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I ran some hypothetical numbers against what I could collect living mor e frugally. I’m also getting older and I don’t know how long I can keep doing what I’m doing. I got good idea from Oppo before so I thought it'd be worth a shot.

VajazzleMcDildertits - read carefully, respond politely > MKULTRA1982(ConCrustyBrick) 10/09/2019 at 23:34

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I would like to apply to join your X-Force when the day comes.

VajazzleMcDildertits - read carefully, respond politely > Dr. Zoidberg - RIP Oppo 10/09/2019 at 23:34

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Maybe six months is all you need to get a hold on things.

someassemblyrequired > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 23:39

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Depending on where you are, commercial property can be very attractive too. They tend to stay vacant longer, but there’s often deals to be had on properties with vacancies .

Also consider smaller markets - rents can be proportionally higher in cooler markets. So you may pay less per unit in some random midwest city, but get higher rents per dollar invested (as a lot of hot markets will have a lot of speculators who will accept lower rents just to get someone to “house sit”).

Though I always recommend something close enough that you can take a look at it every few months.

If you don’t want to deal with the BS, there’s a ton of REITs that generate pretty high returns with fairly decent properties. You’ll give up a few %, but it’s easy to diversify into different types of property with a small investment and you don’t have to do anything other than cash checks.

VajazzleMcDildertits - read carefully, respond politely > Nibby 10/09/2019 at 23:41

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I could buy you a corolla

MKULTRA1982(ConCrustyBrick) > VajazzleMcDildertits - read carefully, respond politely 10/09/2019 at 23:48

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You will need

Two black shirts

Two pairs of black pants

One pair of black boots

Two pairs of black socks

One black jacket

promoted by the color red > Eric @ opposite-lock.com 10/10/2019 at 00:10

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That’s where all my favorite restaurants and stores are, plus I have some friends & family in the area.

ranwhenparked > VajazzleMcDildertits - read carefully, respond politely 10/10/2019 at 00:31

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Take 134k, pay off the mortgage. 10k for the car loan  an d credit card, probably put the rest in either my 401k or one of the 403bs. It’s never happening, but it’s nice to dream.

RallyWrench > VajazzleMcDildertits - read carefully, respond politely 10/10/2019 at 00:49

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Yep. Preferably within striking distance of Yosemite. A lifetime at sea level has bred a deep calling to altitude.

Snuze: Needs another Swede > VajazzleMcDildertits - read carefully, respond politely 10/10/2019 at 01:36

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Ahh, makes sense.

Honestly, Id be happy of I had an extra $600. But then I'd probably just spend it on Volvo parts. 

VajazzleMcDildertits - read carefully, respond politely > RallyWrench 10/10/2019 at 02:34

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That sounds nice.

Nibby > VajazzleMcDildertits - read carefully, respond politely 10/10/2019 at 07:39

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Please do

Lokiparts > VajazzleMcDildertits - read carefully, respond politely 10/10/2019 at 10:33

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It is nice to dream isn’t it. The sad part is that the older I get the more I realize that somewhere around a half million dollars in the grand scheme of things really isn’t even that much.

Personally, if that much free and clear cash was just dumped into my lap, the first thing I would do would be pay off my house, ($ 200,000.. ish) and any other debts that I have ($ 20,000.. ish) . Then I would have my dream detached garage built ($ 40,000) and get a couple decent daily drivers for myself and my wife ($ 60,000) , and maybe another fun car for myself ($10,000) ... And of course fix up my little S10 ($ ???) ... I woul d also sell our current cars... well at least my wife’s (+$8,000), I might just keep my current daily driver for my son when he’s old enough to drive... or I might just sell it (+$3,000? ).

I would then probably lavish my friends and family with some cool gifts ($10,000) . T hen I would stick the rest ($250,000.. ish) into investment accounts so my kids could afford to go to college, and I could look forward to retiring from my day job like 15~20 years early.

As much as I would like to say that I would just immediately quit my job. It’s honestly a pretty decent job. I would probably keep it, and just enjoy a relatively improved quality of life from no longer having to pay a mortgage.

davesaddiction @ opposite-lock.com > VajazzleMcDildertits - read carefully, respond politely 10/10/2019 at 10:38

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How frugally? I’ve read that ~4% is a good target on what to draw from your nest egg in retirement. $600k gets you... $24,000 a year.

Lokiparts > Pixel 10/10/2019 at 10:39

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This sounds incredibily similar to my plan, lol. Mostly frugal with a litle fun stuck in there too. 

davesaddiction @ opposite-lock.com > RallyWrench 10/10/2019 at 10:39

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Amen, brother.

Neil drives a beetle and a fancy beetle > VajazzleMcDildertits - read carefully, respond politely 10/10/2019 at 10:58

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Thanks; I really enjoyed the work; helping people can be hard but it’s fulfilling so it’s easy to go back each day . But the pay was pretty abysmal.

I really wasn’t prepared for dealing with the student loan debt I got wrapped up in. I wish I had had a better plan for keeping my costs down and income up while I was in school. I also didn’t foresee my school raising tuition so much from year to year. Oh well; I’m at a spot in my life where I’m pretty okay with my student debt load even though it’s massive.

VajazzleMcDildertits - read carefully, respond politely > davesaddiction @ opposite-lock.com 10/10/2019 at 13:00

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If everything you own and maintain is paid off , living on 20k a year isn’t impossible. Plus it’s not like I would stop working completely. There is also a chance I would have more than that by retirement but it's low enough you still kind of have to think about what you're gonna do with it.

VajazzleMcDildertits - read carefully, respond politely > Lokiparts 10/10/2019 at 13:21

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It’s nice that you like your job, and very few other responders said anything about giving anything to friends (family was mentioned.)

But you’re right, half a million doesn’t really go as far as it used to, does it? 

Lokiparts > VajazzleMcDildertits - read carefully, respond politely 10/10/2019 at 13:44

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I mean to be fair I am not in love with my job or anything . I would love to have a more fun or fulfilling job. But it pays the bills and isn’t exactly back breaking work ... I’ve definitely had worse jobs. Besides, w hen I put my life in persecetive, I ’m doing pretty okay all things considered.

But yeah it’s crazy to think of $600,000 as not much money. But when you step back and look at it through the lens of time, it really dosent go that far.

Now i f you had asked 18-20 year old me the same question I probably would have said that I would buy some super exotic car or something stupid ... with no concept of how I would maintain it, where I would store it, or even how I plan to pay the property taxes on it... let alone any consideration for my future.

And yeah I would definitely have to hook up my friends too. I honestly don’t have a lot of friends, but the ones I do have are just as close as family to me.

VajazzleMcDildertits - read carefully, respond politely > Lokiparts 10/10/2019 at 14:02

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TBH I discovered compound interest at 17 and was really into the idea of saving for it. And then I made some bad financial decisions, loved and cared for some people who took most of my money and time, and I wound up badly into debt instead.

If I had this kind of money at 18 I would have simply gotten my college degree properly (I was broke and starving and didn’t finish) and put it in an investment account, and I’d be writing this from my 80 ton sea yacht right now.

C’est la vie, you can’t always choose who you care for, I understand that better than most.

davesaddiction @ opposite-lock.com > VajazzleMcDildertits - read carefully, respond politely 10/10/2019 at 14:52

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Isn’t impossible, but isn’t much...

I’m looking forward to figuring out what my lower-paying, more rewarding second career will be, once I feel like Mrs. addiction and I have enough socked away for the long term. Hopefully in the next decade.

If I have enough money & time to use it , my answer is travel.

VajazzleMcDildertits - read carefully, respond politely > davesaddiction @ opposite-lock.com 10/10/2019 at 15:13

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There seems to be a lot of unrest in the world right now, but I’m also considering places like the Phillipines where living costs are extremely low. I don’t mind learning another language as long as I can afford a flushing turlet and reasonably safe water.

I’m basically building 3-5 backup plans of varying levels of income. 

VajazzleMcDildertits - read carefully, respond politely > MKULTRA1982(ConCrustyBrick) 10/10/2019 at 15:18

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SIR THE FIRST RULE OF PROJECT MAYHEM IS THAT YOU DO NOT ASK QUESTIONS
(also this) 

davesaddiction @ opposite-lock.com > VajazzleMcDildertits - read carefully, respond politely 10/10/2019 at 15:55

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While I love the idea of living somewhere exotic cheaply, it doesn’t seem like a real option for us. Proximity to family is important to us (even though the nearest we have on both sides is like 4 hours away). I could see spending months at a time in places like this every year, though. But I’m partial to the mountains over the beach, so spending the summers in CO, UT, WY, MT, etc. is probably more up my alley.

The dream (for me) is to - once the kids are all out of the house - find a second career, hopefully just part-time, just enough to cover expenses and get medical insurance , that allows me to work anywhere with an internet connection. If in 11 years, when my youngest heads off to college, I can find a different work path that I can follow for the 10 years after, that would take me to 62. Seems like a plan.

VajazzleMcDildertits - read carefully, respond politely > davesaddiction @ opposite-lock.com 10/10/2019 at 15:58

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Yeah, a state with low living costs while also avoiding crime hotspots seems like a good candidate too. I’d like to do something with no on-call rotations ever again, even if that means a pay cut. 

MKULTRA1982(ConCrustyBrick) > VajazzleMcDildertits - read carefully, respond politely 10/10/2019 at 16:07

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Rule 1 You do not ask questions about project mayhem

Rule 2 do not ask questions about project mayhem

Rule 3 no excuses

Rule 4 no lies

Rule 5 you have to trust me

That man seems familiar but what’s the reference? 

davesaddiction @ opposite-lock.com > VajazzleMcDildertits - read carefully, respond politely 10/10/2019 at 16:09

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Stress is a killer. Thankful my job only provides short spurts of that for me.

We’re currently in a super-low cost of living state, but it does have moderately high income/property taxes. We’ve been here 16 years and definitely feel “home”, but I assume where our kids end up will inform where we end up, longer term, especially if/when they have their own kids.

VajazzleMcDildertits - read carefully, respond politely > MKULTRA1982(ConCrustyBrick) 10/10/2019 at 16:25

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Peter, one of the recruits for X-Force, D eadpool 2 movie. Normal guy.
Played by Rob Delaney, who usually is pretty amusing. Like if Jon Hamm and Patrick Warburton had a baby. 

Eric @ opposite-lock.com > promoted by the color red 10/10/2019 at 18:46

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Just curious. I was born there, grew up there, and miss it (though not as much with the traffic it now has). I still have an uncle there, but it used to be the place where everyone on my dad’s side of the family lived for multiple generations.

MKULTRA1982(ConCrustyBrick) > VajazzleMcDildertits - read carefully, respond politely 10/10/2019 at 19:13

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YOU JUST BLEW MY MIND. That looks familiar because dead pool so I get that but I watched the second one in two parts in a plane ride and I knew he looked familiar!! I watched his standup in like grade 10 and completely forgot about him. Looking back at it I can totally see why they cast him. 

VajazzleMcDildertits - read carefully, respond politely > MKULTRA1982(ConCrustyBrick) 10/10/2019 at 20:00

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I love this connection. 

VajazzleMcDildertits - read carefully, respond politely > someassemblyrequired 10/11/2019 at 04:27

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I forgot all about REITs. Thanks for the tips.