Long story short: We’re casual switch gamers who are looking at the steam machine as a console replacement that will expand our game selection massively.
We have no use for using it as an actual PC and are looking for the most ergonomic, turn-key/hassle-free controller for each of us to play PC games from the couch. Also, we both have small hands.
Did it discourage you? Did you continue as planned anyway?
I was planning to develop a game with a unique idea (or so I thought) and literally got an ad today for what I’d consider to be a finished product of it.
I’ve fleshed out a good bit of my wife and I’s retirement plan in a couple years, but I’m hung up on one thing.
Quick backstory
We’re on track to FIRE by 38-40 years old. Around our target date, we’re projected to have about $1M in brokerage and $1.5M-$2M in retirement accounts (probably about $800K of it being Roth).
Our plan is to use the brokerage at an elevated withdrawal rate (~8%) to sustain us for 12-15 years until it goes to zero (our expenses are roughly 80k/yr). While this is going on, we’ll be starting Roth conversions with whatever MAGI space we have leftover while staying under the 400% federal poverty limit to keep us from falling off the ACA cliff. Hopefully our retirement accounts will be sitting very pretty by the time the brokerage is exhausted and we can purchase a wonderful house and be more luxurious.
One problem
Our main dilemma is what the asset allocation should look like. I’ve read all of the fungibility arguments and how you should do your best to keep your bonds in your Trad (BND), international in your Roth (VXUS), and your domestic (VTI) in your brokerage for tax efficiency. However, we’re skeptical of this for our use case mainly because that leaves our brokerage, which we will depend on, less diversified than we’d like and more open to risk.
I guess my question is, in our case, does it make sense to instead do a mix of VT + BND (80/20 or 70/30 in our brokerage) to lower the risk and straight VT in the Roth and Trad because they’ll have 12-15 years where we won’t be touching them? I’m leaning towards this over the fungibility so we can keep our strategy simple and not have any larger market swings than we need in the brokerage (even at the expense of some extra taxable distributions we will have to eat).
What are your thoughts?
My wife and I come for a week every year in June. Our annual trip is coming up and I’ve always been concerned about parking on the streets right up against the boardwalk because it isn’t always clear if it’s condo/hotel parking only.
We usually post up around 27th street because there’s a bathroom there. So we park in the residential area I think on either Bayshore or Sunset Drive and walk 2-3 blocks across Philadelphia and Baltimore Ave.
Has this been really unnecessary? Have we been passing up closer parking spots in this area? Do any of you park around this area and have better advice?
Information: https://www.limerickpa.org/437/Conditional-Use-Hearings
CU 25-04 MCD 7 LLC will be reviewed next Tuesday night where a data center is being proposed next to the Philadelphia Outlets/Costco in Limerick.
Come prepared with *evidence-based* questions and arguments. This is a hearing for the mystery company to prove that its *legal*, not ethical. They must ensure it meets the noise ordinance, water usage (seems to be closed-loop, which strengthens the company’s argument), emissions/pollution, energy grid impacts on consumer pricing, and others.
Showing up and saying “we don’t want it” will likely not be effective enough. We need to be better.
The truth is that it will inevitably be involved in the creation of almost every game in the future. Not always in the same way, but you better believe it will be an effective tool to allow people to ship games faster.
That being said all of you afraid of your games being torched for being slop - make better games. The majority of people aren’t going to care if a great game was made with AI assistance. The reason AI-made games are being torn apart is because, quite frankly, a ton of them suck. AI has lowered the barrier to game release substantially and a lot of crap is making it out there. If your game looks and plays terribly, it’s going to be roasted.
Put together interesting ideas with character developments, story immersion, and creative art (even if you didn’t generate it). Based on what I’ve seen here, the majority of you simply aren’t doing that.
I’ve always wanted to make games and now I’d like to give it a try. I have lots of different game ideas to try out. My genre is the cozy pixel vibe like Stardew or Graveyard Keeper.
From what I’ve gathered, it would probably be helpful to pick up a Claude Pro sub and use Godot + godot-ai, and Asperite. Does this around about right? Is there anything else I should use to get started?
I’ll take any advice you guys have for me!
Hello! Wife and I are coming up on retirement in a few years and would like to slow travel.
We imagine this is going to consist of ending our lease (not looking to own a home right now), putting most of our stuff in a storage locker, and changing our mailing address to a close friend or family member. Is this pretty much how it went for you guys?
Also a few questions:
- How do you manage your money? Withdraw from your US investment accounts once a year and transfer to an international bank?
- How do you handle healthcare?
- How have you planned your trips bouncing from one location to another? Did you start with a bucket list? Do you do one place at a time and worry about the next one while you’re there or plan out upwards of a year ahead of time?