u/Material_Umpire_1489

I'm hoping to eventually CoastFIRE during my lifetime. For those that actually did do it, how did you decide where to do it and did you visit before making your move? How many times did you visit, and did you go for long periods of time if you did or did you just try once and then decided it was for you? Are you truly living there 365 days a year or are you doing consistent border runs back and forth? Would would you recommend given your experiences to people reading here that you do not believe most people consider?

So far, I think I'm on an OK path to getting to do this at some point in my life. Just turned 24 with a little over 100k in my retirement accounts (spread across 401k, Roth, and taxable) and contributing 4k a month for the next few years before it drops a lot but still gonna contribute as much as I can. Aiming for a 60k a year USD goal in current USD for when I do stop. Part of me worries about the hidden costs that don't get mentioned here will make this not enough.

I saw the CSP got buffed and it has a great SUB going right now. I have the C1 duo (alongside the PayPal debit for gas until August when they nerf it) and wanted to see how well the CSP would synergies with the C1 duo. Anyone else have this pairing (triplet?) and able to comment? Or is this not worthwhile and just stick with the C1 duo?

Places like Texas, the Carolinas, Florida, Nevada, Arizona, and Georgia have become extremely popular to move to in the last few years. But do people consider climate change in the future when making these moves? Most of these states (sans maybe Georgia given the mountains protect Atlanta quite well) are very climate change vulnerable and could become extremely hostile or even impossible to live in in the not distant future.

Everyone knows about the most unfair and or controversial eliminations, whether it's S1 Chris, S4 Louross, S9 Jennifer and Jamie, S16 Aaron, or the various unfair All-Stars eliminations. Then there's more grey area ones like S8 Curtis. But which eliminations do you think are unfair but not brought up a lot?

For me, the chief one is S5 LA. She was pretty consistent, Gordon didn't get on her case super often, wasn't a very problematic person for team morale, and was not like in the background or anything. It seemed clear to me her elimination was just Gordon wanting the Andrea Carol beef to go another episode since they were very clearly the issue that night. Kind of a Jamie S9 scenario but LA at least got nominated even if the nomination was clearly malicious. Also Gordon's reason during his ending monologue of lacking creativity makes genuinely zero sense.

I'm saving for a down payment now and got a healthy amount saved. Don't have the money to buy right now, so need to save. Given the timeline I provided (closer to 8 years more likely than not) how would you or how did you save your down payment?

Outside the money I have in stocks (a bit over half the down payment don't plan on putting a lot more into stocks going forward), I've been looking at the best bonds to put my money in given it's long enough out an HYSA like FDLXX isn't gonna be suitable probably. I put 10K into I-bonds (spread over 4 bonds so I can cash a few of them rather than all of it if I end up having some money left over I don't need to cash them all). Also because I think inflation will continue to go hot and the guaranteed near 1% plus inflation is a great sell. Do you guys recommend 5 and 10 year treasury notes for the purposes I'm positing here or is there a better way?

I want the Discover QuickSilver since I have the MasterCard one and haven't been offered to switch networks. When I did the preapproval tool, it says I'm being offered a QuickSilver. However, the benefits only say 1.5% cashback with no mention of the gas 3% or anything else in the promotional text or terms and disclosures. Does this mean the Discover is targeted product changes by Capital One or they just haven't updated the portals promotional and disclosure text yet?

I have the Cap 1 duo right now, but was on the Robinhood Gold waiting list and I'm off it. I haven't had Gold before now and if I did get it, I would start using the IRA match beginning next year since I already maxed my Roth for 2026. It seems like, while the Robinhood has 3% all around, the Fidelity would yield you more money though, right? Fidelity has a 150 SUB, which Robinhood doesn't have and has TSA Pre / Global Entry. Is there something else about the Robinhood card that makes it preferable to Fidelity for people here?

Is it dead? I see no articles about it whatsoever for the final day of the session, the Bears seemingly are taking the last few hours of air.

For me, it's S8 Russell. Beyond just being a huge pompous jerk and outright threatening physical assault to his teammates, he was lowkey trying to flirt with the massage person during Black Jackets when was shown to have a girlfriend. It wasn't as blatant cheating as Andrew but it was still something that was really nasty in my view, and one of those things that people never mention about Russell and why I think he's underhated since if more people noticed that he'd be even more hated. Genuinely think he's a bottom 10, and only 10 more likely since Louie, S4 Ben, and S2 Sara and S16 blue team more broadly is so vile.

We all know the chefs that are famously awful at their jobs. Tavon, Raj, S4 Jason, S3 Josh, S20 Matt, etc. But which chefs do you think are underdiscussed for how bad they are?

For me, the main one is S8 Melissa, who basically pulled a Spaghetti Josh 2 different times in back to back services on 2 different teams after not having any notably good services prior. But Raj basically takes up the majority of S8 discussion for bad cooking. Honorable mention to Boris as well.

401k doesn't offer VTSAX or a TDF remotely close to my retirement age so want to replicate it and or VTI as closely as possible with any combo of VFIAX/VIMAX/VSMAX. Is the current Boglehead allocation of VFIAX 85% and VSMAX 15% still up to date for this or is it out of date and a more accurate allocation is possible?

Long time lurker.

One thing I notice a lot in these discussions is a lack of discussion on a state's fiscal health. I'm not talking just about tax rates (although they're related) but the health of the state's finances.

One example is that Chicago and Illinois are very often recommended here (New Jersey and Connecticut are other examples states-wise). However, their fiscal health is the worst in the nation, primarily due to pension funding issues. This has led to a ton of new taxes and the state's social services often risking austerity (almost happened to the CTA before the last minute last year). This also means the state's social services will not have much room to be expanded due to a lack of room for new taxes or revenue generation that can go elsewhere besides pensions. Heck, the new pensions post-2011 are worse than Social Security, which is a violation of federal law.

Meanwhile, states like Minnesota, New York, Georgia, and Wisconsin are much better funded in terms of pensions and their general state budgets, giving them much more room to expand social services and infrastructure and not have a risk of heavily increased taxes, imposed austerity, or worse benefits for state workers and residents.

Is this something people think about a lot when choosing their move or am I overthinking it? Or are other things like weather / climate change resilience, job opportunities, nature access, and social scene seen as more important?