That feeling when planning a vacation doesn't feel like bankrupting my future

I've been saving towards retirement for a few years now, and am really happy with my progress and plan. I've been itching to go on a week long vacation and finally today started to plan it out. The total trip will be around two thousand and it got me thinking that before I understood how to save and started planning for retirement, I'd never have been able to even take this trip, let alone do it and not feel guilty. It's such an incredible feeling to know that as long as I'm following my plan, I can use excess money to go out and have fun.

Just wanted to share since I was feeling sort of giddy thinking about it. I hope you all are enjoying your journeys towards fire. Cheers!

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u/lazybarbecue — 4 days ago
▲ 10 r/vegas

Planning my second ever trip to vegas just to play poker, is it worth worrying about rewards program

Last time I stayed at a cheap motel my first night off the plane, then went to the Flamingo for the other 5 nights. I played every day at the Aria which seemed great, although I guess 2 different rewards programs. I have a buddy who lives 30 minutes out of town that I met up with for lunch and dinner a couple of times, and we played Top Golf.

This time, I'm just wanting to go back because I miss playing poker at the tables. I recently moved up to Alaska, and I have no options near me to do that. My question is, if I want to make this a 2x annually thing, should I focus on one rewards program or does it not really matter? I haven't tried any of the other poker rooms since the Aria just worked out so well for me last year. I spent probably 50-60 hours there in 5 nights/6 days.

If I mostly only care about food/poker, what do you guys suggest for hotel/poker rooms and rewards? My budget is usually around 2k/trip, and airfare is covered by miles (I get miles from company flying me back and forth to work) I play 1/3 and left up $700 last trip.

Thanks for any suggestions!

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u/lazybarbecue — 4 days ago

I don't know much about these, should I just be crafting them?

I think I've crafted a couple rare things before, should I just be crafting these anytime I have 100 of the same color?

u/lazybarbecue — 9 days ago

37k Champ Training Points later

I only had 3 medium soulstones and like 13 small ones to start the event with. I think I had 6.1k gems to start. Day 64, first month daily gems is only purchase. Ran out of brews. Needed every card to finish getting fragments. Tired. Was actually fun.

u/lazybarbecue — 10 days ago

Any other early or mid game accounts forget to swap gear presets back?

I'm just getting to stage 20 dungeons and don't have a ton of rolled up gear to use for my faction war dudes. So I save my main 5-6 guys gear to global presets and just use them for faction war keys. I ALWAYS forget to swap the gear back before wasting energy or arena tokens and I keep being exasperated by it haha. Just wondering if anyone else has the same issue!

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u/lazybarbecue — 20 days ago

First time, should I try unsweetened greek yogurt or fairlife milk/chocolate milk?

I bought a creami because I watched a lot of somebody named Liam on youtube shorts and it seems really fun and tasty. I'm also on a weight loss journey so I have some specific things I bought to eat that I could also try out and am looking for your suggestion! I have the deluxe if that matters.

Things I have:

  • unsweetened greek yogurt
  • 2% fairlife milk and 2% fairlife chocolate milk
  • pb powder
  • honey
  • sun ripened dates
  • frozen mixed berries

I can also buy something if necessary to make the first experience good, just let me know!

Thank you

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u/lazybarbecue — 1 month ago
▲ 165 r/leanfire

Today I learned I may need way less than I assumed to retire

I was watching a youtube video that worked backwards from full retirement age including social security and also worked backwards from the remaining (prior to pulling social security) years. She then worked backwards one more time for a bridge amount. She didn't explain the formulas she used, but I was able to google it and learned about the present value formula.

My retirement goal had always been a little higher than leanfire at 50k/year solo, because I aim to travel and will likely always rent. I took this to mean I should aim for 1.25 million (25x yearly spend.) What this doesn't include however is that if I start pulling 24k/year at age 67 with full retirement (current estimated benefit if I stop working at 51) then the "25x" amount really only matters with the leftover balance to hit 50k (or any amount you set as your yearly spend). Then you can use the present value formula to see how much you need when you retire to have it grow into the correct amount by age 67. I assume coastfi people use this formula along with other planning numbers. That solves the largest block of money.

Next up you need to calculate from 59.5 (or rule of 55) to 67. The goal here is to end in 0. This is a slightly different equation called Present Value of an annuity due. But the step doesn't end there. If you retire sooner than 59.5 or rule of 55, this money also grows interest during your bridge years of early retirement. In my example, I'd like to retire at 51. So if I have x balance needed by 59.5, I'll need y balance at 51 that then grows into x balance at 7% interest rate (or whatever rate you'd like to use). This y balance is then added to the first steps 25x balance. Now we just have one more step to solve; the initial bridge amount needed.

This last step can either be done in straight cash, or stuff like bonds/hysa/tbills etc. I want the amount to end in 0, with a much lower interest rate or none at all. If you have an interest rate, you can use the same formula as step 2. I chose to use a very conservative 2% interest rate, and some cash for the initial year.

I went from believing that I needed 1.25 million to retire, to being reasonably sure that I can withdraw 50k/year starting at age 51 with 3 different buckets with a combined total of 715k invested + 50k starting cash. There is plenty of room and reason to start with more up front cash, and assume less returns.

(the scenario I've calculated uses a 2% return on $323,599 +50k cash from 51-59.5, 7% return on $185,938 from 59.5-67 and 25x annual spend from $205,773 67+)

Curious if I've missed anything glaring in this deep dive into restructuring how I look at my retirement numbers.

Someone below asked for a link to the video I had watched so I thought I'd post it up here as well.
https://www.youtube.com/watch?v=ht4aNJkXzzc

u/lazybarbecue — 2 months ago

Personal fire journey, year 3.5 update

I've been documenting my progress towards fire here on reddit for a few years now. The two previous posts can be found here: https://www.reddit.com/r/leanfire/comments/1dbakr6/34_single_60kyear_salary_current_strategy_looking/

https://www.reddit.com/r/leanfire/comments/1l35xet/35yo_7293k_income_1_year_followup/

I started documenting in the summer of 2024 because it was roughly a year after I reached a $0 net worth, and also a year after I became eligible to start investing in my new company's 401k. Going forward I'll likely continue journaling in January because it's much easier to use my w-2 and YTD paystubs to include yearly totals for progress, and it feeds some small sense of OCD inside.

Here is a brief overview of my job/goals. I work on the Alaskan North Slope (oil fields) doing IT Helpdesk. My company flies me from anchorage to prudhoe bay to work 84 hour work weeks, 4 weeks at a time. Then I go home for 2 weeks. My goal for posting these "yearly" updates is two-fold. I want to be able to look back and track my progress easily, and I want more relatable posts in the financial sphere I frequent. I probably will be caught somewhere in the middle of the leanfire and fire subreddits in my retirement, however, I am MUCH closer aligned to the leanfire subreddit so I post here.

I made a large shift in expenses as of April 1 this year - I moved to Alaska so I could stop flying back and forth from Washington for work. This had an added benefit of much cheaper rent since I moved into a place my high school friend owns and charges me cheap rent. The expected savings of this move is in the ballpark of $10,000 annually; I'm saving roughly $5,000 in flights and an equal amount in rent/utilities.

My 2025 gross earnings totaled $83.5k. I haven't received a raise since fall 2024, however I'm likely capped out in my current position. I can earn roughly up to 92k if I ever actually work a 4 week on 2 week off schedule for an entire calendar year.

I'm going to start charting my contributions and current totals in each post to make it easier to track.

Traditional 401k contributions (not current balance):

2023: $1,247 personal, $936 match

2024: $13,624 personal, $3,290 match

2025: $20,990 personal, $3,358 match

2026 so far: $7092 personal, $1,134 match (This looks low, but with my remaining schedule I should actually be closer to the personal cap of 23,500 than I was in 2025.)

Total contributions so far: $35,861 personal, $7,584 match = $43,445 total contributions

Current balance: $64,451 (Blackrock Equity Index 1)

Roth IRA contributions

2023: $0

2024: $7,000

2025: $7,000

2026: $7,500

Total contributions: $21,500

Current Balance: $26,659 (23.8k VTI, 2.8k VOO)

Vanguard Brokerage: $9,435 ( 9k Emergency Fund + $400 after tax brokerage (VTI))

Starting this month and going forward I'll be depositing $1,625 monthly into this account and allocating $625 to the following years' IRA, $400 to the after tax brokerage, and the rest to the money market sweep in fund until I reach $20,000 at which point all non IRA savings will go into the after tax brokerage.

Some quick mathers will notice that I have just barely breached the $100k amount. I'm stoked!

And for those interested, here are my current monthly expenses after savings has been accounted for.

Rent: $500

Internet: $30 (I just paid the additional cost to increase his current internet speeds)

Phone: $75

Car Insurance: $75

Subscriptions (prime, games, audible): $60

Food: $260 (remember, I'm fed for free on the slope while working)

Total: $1,003 which leaves roughly $1,188 to spend on whatever each month.

If you have any questions about my retirement plans, work, spending habits, or anything else, please ask! I post this once a year to interact and get feedback from others. Have a lovely upcoming weekend.

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u/lazybarbecue — 2 months ago