u/HomeworkImaginary886

Which one do you like the best? I’ve never been a fan of red bikes but kinda liking this one, idk.

I feel like this makes no sense. I have a very capable Cannondale Supersix Evo 2 (2024 model) that is super fun and a great bike. I’ve had it for two years, really like it and want to keep it + get a S-Works Tarmac SL8 (a bit of a discount with the new one out, but still like $11k for the whole build). Part of me sees this particular colorway I’m looking at as a piece of art although I generally don’t find the S-Works frames that attractive, but this one has enamored me. And maybe the riding experience will be (slightly) different.

I feel like, why in the hell would I do this?

It’s purely starting to seem like an addiction and being a collector at the point, idk. I mean, I guess there could be worse things. One can only be on one bike at once, I suppose. Have I fully developed N+1 syndrome? Are you currently or have you suffered from this? Ha

World’s smallest violin problem here, I acknowledge.

Am I crazy for considering this?

28 years old, single male

Live in NYC- rent is $2050 a month, rent stabilized, one of the best assets in this equation

Other expenses are about $700 a month, so about $2,750 a month - total expenses around $33,000 a year, which doesn’t include travel (which I haven’t really done this year and don’t plan to)

Been working for about 10 years now - graduated college in 3 years from and just been going, going, going in corporate ever since

$700k in personal brokerage - 99.4% equities, mostly total S&P500 funds, some mid and small cap index funds and a little international exposure

$250k in Roth 401K, like 75% U.S. equities, 15% international and 10% mid caps

$20k in cash (I know, relatively low)

About $7k in credit card debt (that I plan to pay very soon), otherwise no other debt

Considering stepping away from corporate job that I absolutely hate. I mean, absolutely hate. It’s soul sucking and feels pointless for the most part.

Maybe not stepping away from work for too long, more-so pivoting to do exactly what I want to do work and talent wise on my own time. But also maybe never going back to corporate - in case you didn’t get it, it’s not my vibe ha.

Plan is to travel in SE Asia at top of the upcoming year for 2 months and then go to Japan for a month. Have already planned a basic outline out. I really just want and need to get away. Come back, see how I feel after resetting and decompressing and maybe do some more travel. I’d want to keep my apartment as I actually really like it and it’s good to have the home base. It was gut renovated before I moved in, so I really got lucky.

Part of my dilemma is do I stay until the end of the year? That would allow me to fully max out my 401k for the next 6 months (as of this moment, I’ve contributed about $10k out of the $24,500 limit) and get a bit more cash. Part of me had thought about sticking out working until $1M, which is close but I’m like, is it even worth it to stay when, knock on wood, the market keeps the bull run up. I could just go ahead and leave and get a head start on planning for my pivot and next ventures that really make me feel alive. If I leave now, I wouldn’t be eligible for subsidized healthcare given that I’ve already met the maximum eligible income for the year, but that would reset in January 2027, as would my ability to liquidate some brokerage and not pay federal taxes. Thoughts? Is sticking it out worth it? WWYD? Anybody done something similar? Blind spots I’m missing? Thanks!