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RichFelker's profile
Rich Felker
Rich Felker
Rich Felker
@RichFelker

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Rich Felker

@RichFelker

Yeah, I do @musllibc, FOSS & infosec stuff. But now is not the time for a mostly-/only-tech Twitter feed.

musl-libc.org
Joined March 2014

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    1. Stephanie Hurlburt‏ @sehurlburt Apr 29

      Thinking about financial planning. A lot of people, when they think of that, start planning on how they’ll buy their dream house. For me, I would rather keep budget tight and have a good, solid savings for many years. I want freedom most of all. Freedom to not *need* to work.

      27 replies 41 retweets 452 likes
      Show this thread
    2. Paul Lalonde‏ @Flux_Lalonde Apr 29
      Replying to @sehurlburt

      Remembering that every $1000 increase in regular annual spending costs $25,000 in savings to be long-term sustainable is a hell of a wake up about lattes every day.

      1 reply 2 retweets 12 likes
    3. Stephanie Hurlburt‏ @sehurlburt Apr 29
      Replying to @Flux_Lalonde

      Stephanie Hurlburt Retweeted Paul Lalonde

      For those wondering about the logic behind this tweet, if you invest your money well it's generally accepted that you'll get 4% back a year for the rest of your life as passive income. So $25000 put in a savings account gets you $1000/year.https://twitter.com/Flux_Lalonde/status/990662251752308742 …

      Stephanie Hurlburt added,

      Paul Lalonde @Flux_Lalonde
      Replying to @sehurlburt
      Remembering that every $1000 increase in regular annual spending costs $25,000 in savings to be long-term sustainable is a hell of a wake up about lattes every day.
      3 replies 3 retweets 11 likes
    4. Rich Felker‏ @RichFelker Apr 29
      Replying to @sehurlburt @Flux_Lalonde

      I think it's a complete mischaracterization, for reasons that are probably not suited to Twitter discussion.

      1 reply 0 retweets 1 like
    5. Rich Felker‏ @RichFelker Apr 29
      Replying to @RichFelker @sehurlburt @Flux_Lalonde

      Rather the takeaway is that an extra $25k of savings when you finally retire isn't worth much. But ppl will read it as "those millennials and their espressos..."

      1 reply 0 retweets 1 like
    6. Paul Lalonde‏ @Flux_Lalonde Apr 30
      Replying to @RichFelker @sehurlburt

      It’s worth about 1000$/year of spending. You you seem to think that’s not worth much. But those “small” numbers are the key to having the time be yours and the choice to take on work or not.

      1 reply 0 retweets 1 like
    7. Kyle Byers‏ @Kyle_Byers Apr 30
      Replying to @Flux_Lalonde @RichFelker @sehurlburt

      Also important to realize it's not just $25K more that you'll eventually need to retire; it's $1K less that you're putting toward that goal each year. Each $1 you spend now is both $1 you aren't investing AND an extra $1 you'll need to pull out later to sustain your lifestyle.

      1 reply 0 retweets 1 like
    8. Rich Felker‏ @RichFelker Apr 30
      Replying to @Kyle_Byers @Flux_Lalonde @sehurlburt

      Everytime someone says "sustain your lifestyle" I hear "keep spending money on frivolous things" and think "so we're supposed to forego frivolous things now so we can keep having them later...?"

      1 reply 0 retweets 0 likes
    9. Paul Lalonde‏ @Flux_Lalonde Apr 30
      Replying to @RichFelker @Kyle_Byers @sehurlburt

      Frivolous or not, sustainability comes from living within your future means. There’s no judgement on what you choose to spend on, just advice on what continuing to do so looks like post-employment.

      1 reply 0 retweets 1 like
      Rich Felker‏ @RichFelker Apr 30
      Replying to @Flux_Lalonde @Kyle_Byers @sehurlburt

      Means are highly dependent on what % of your waking hours are spent making somebody else rich.

      7:10 AM - 30 Apr 2018
      1 reply 0 retweets 0 likes
        1. New conversation
        2. Rich Felker‏ @RichFelker Apr 30
          Replying to @RichFelker @Flux_Lalonde and

          It's disingenuous to pretend that someone eating at restaurants & getting fancy coffees because they're exhausted & out of time amidst a 60 hour work week needs to plan for same level of expenses later.

          2 replies 0 retweets 0 likes
        3. Kyle Byers‏ @Kyle_Byers Apr 30
          Replying to @RichFelker @Flux_Lalonde @sehurlburt

          Fair point, but plenty of people spend more when they have more free time -- not less. Regardless, it's not my place to decide what's frivolous and what's not. YOLO. And quality of life *right now* matters. All I'm saying is choices are often more expensive than they appear.

          0 replies 0 retweets 1 like
        4. End of conversation

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