u/IAM_14U2NV

I asked the Google and found dozens of discussions about how to PREVENT the screen saver when in a Teams meeting, but couldn't find anything about ALLOWING it.

I have a small business that uses Teams exclusively to broadcast a webcam pointing at the front door to all the staff in the office. We just got new computers for the office and I've been trying to set up my screen saver + lock screen off and on for weeks now and could never get it to work. I asked my IT guy and he suggested turning off the Teams meeting to see if that worked, and it did.

I'll start having everyone close the meeting in the evenings when they leave so automatically locking my computer when I leave won't be an issue anymore, but during the day when I'm in the meeting and if I step away from my desk for a period of time, I'd like it to automatically screen saver + lock without needing to remember to Windows + L every time.

Is there a way to remove the Teams override to the screen saver to allow it to activate and lock my computer even during an active meeting?

This swamp heat is just too much anymore, so I'm finally buckling down and getting some tint thrown on the 2019 Santa Fe tomorrow. I got it used and it came with a bumper to bumper warranty for 10 years, so I plan on keeping it until at least the end of 2029, so I figure it's worth the investment (even though I got it in 2020 and should have probably done it a long time ago).

I did some research on different brands, tiers within the brands, and different shops in my area (East Central Florida), and I decided on getting XPEL XR on the entire thing (including windshield and panoramic sunroof), and will talk with the company tomorrow when I drop it off on whether to spring for the XR Plus mainly for the windshield and sunroof or just get the XR or XR Plus everywhere, as well as what % (the shop has options of 5, 15, 30, 45, and 70). I know they will probably push for the most expensive option, which I don't mind as I think the cost is worth it, but I'll see what they say when we go over it.

My thinking going into it is getting the windshield and/or sunroof done with the Plus as these are the areas I'd think would have the biggest effect, then regular XR on the rest. As for %, I'm thinking 15% on the sides and 45% on the windshield/sunroof, however the lady at the shop said since the rear windows are darker from the factory, I could probably go with a 15% on the front and 30% on the rears if I wanted a matching look, otherwise with 15% on front and back, it will have a similar darker look on the rear windows that it does now with no tint (not similar darkness, but a similar difference between front and back).

Here is what I was quoted:

	XPEL XR	XPEL XR Plus	Mix	Mix
Windshield	400	550	400 (XR)	550 (Plus)
Sunroof	300 (150 x2)	500 (250x2)	500 (Plus)	500 (Plus)
Fronts + Backs	175	250	175 (XR)	175 (XR)
Total (after 15% discount)	$743.75	$1,105	$913.75	$1,041.25

If think if I went with the Plus for both the windshield and sunroof, I may as well get everything in the Plus for an extra $63.75.

My main focus is heat reduction, but the added privacy is a nice bonus. Also since I'm told I drive like an old man, I'm not too concerned with the legality of the tint especially with it being a secondary offense and it being over 20 years since I've been pulled over.

If cost was acceptable either way, what would you recommend between the Plus and regular XR, or a mix between the two? Also, what do you think about getting 15% on the front and 30% on the rears to match compared to 15% all around?

Question:

• What are some things I can start working on now, or start incorporating soon-ish to prep for FIRE in 8-10 years, with FIRE = ~60k /yr. draw at ~3.5% SWR (~1.7MM)?

High level summary:

• 41M, live in FL, single, child free (don't want children, open to marriage to a spouse with DINK mentality)
• Likely have 2x 6-figure inheritances in next 20 years, but not counting them in my calculations because I encourage my parents to enjoy their money and not worry about leaving anything to me and my siblings.

ASSETS:

• Checking - 15k
• Savings - 25k (~6 mo. of expenses)
• Loan receivable - 97k (95k - business, 2k - roommate)
• 401k - 85k
• Roth IRA - 140k
• Inherited IRA - 64k (need to draw down in next 5-ish years)
• IRA: Rollover 401k - 432k
• Business assets - 65k
• Vehicle - 20k
• Primary residence - 395k
• Crypto - 2.5k

TOTAL ASSETS - 1,340k (721k are retirement investments which are the only ones counting towards FIRE #)

LIABILITIES:

• Mortgage on primary residence (3.125%, mature 2051) - 174k
• HELOC (loan for business, Prime + 1%) - 95k
• Auto loan (2.59%) - 3k (payoff by EOY)

TOTAL LIABILITIES - $272k

INCOME / EXPENSES (monthly):

• Salary - 5.1k (net of taxes/insurance)
• 401k contributions - 1.6k
• Mortgage (PITI) - 1.3k
• Utilities/lawncare - 520
• Cleaning/repairs - 280
• Misc home exp - 65
• Car loan - 425 (payoff by EOY)
• Car ins - 160
• Car gas/maint - 80
• Food - 180
• Medical - 85
• Pet care - 500 (14 y/o dog with lots of medical issues, planning on getting 2 pups within next year)
• Subs - 75
• Gifts - 125 (nieces/nephews' 529's)
• Other - 105

NET INCOME/(LOSS) - (400)

Notes:

• Roommate covers most of food exp in lieu of rent as he's my best friend I'm helping get back on his feet financially; his loan repayments are not included in income
• My company pays me 2k/mo for shareholder loan and I pay 2k/mo for HELOC which inc/exp not recorded, only asset/debt side
• As business owner, I have flexibility to cover monthly shortage with distributions or adjust salary, however I'm using the checking account to cover shortage and keeping 401k contributions higher
• I max Roth IRA annually
• Given the car and home loan rates, I am not paying extra
• Average salary during working years (2008-2026) is 63k, with it peaking in 2020-2023 at 100k, and I'm currently at 73k.
• While I was maxing my 401k and IRA during 2020-2023, after taking over the business in 2023 I had to cut my salary and reduce my 401k contributions to build a company nest egg, which I should be at in the next year or two, at which point I will bump salary up to have the same take home pay but max 401k again.
• Credit scores are 801, 801 845, & 850 from my 2x banks, mortgage company, and car lender (took hit earlier this year due to taking out 100k from HELOC for company)
• Currently my 401k is 100% VIGAX, with 73% of IRA's in VIGAX, and 27% in VTIAX. Planning on moving 5%/yr. into bonds between age 45 and 50, and have a 75/25 stock to bond split during FIRE based off the Trinity Study chart, though may go down to 60/40 as I get older as the study shows 50/50 and 75/25 with 3-4% SWR has a 95%+ chance of not running out of money for 30+ years.
• I expect to have about $4k in monthly expenses, so I'd need about $50-60k worth of withdrawals during retirement, with 1.7MM being the magic number for a 3.5% 60k withdrawal. I believe I am on track for this figure by the time I hit 50.
• While I'd love to have no mortgage during retirement, I can't justify paying extra on a 3.125% loan when I may never see that rate again in my lifetime, and I could invest those extra funds and all but guarantee a higher than 3.125% average return over the remaining life of the mortgage.