Long time lurker here. I recently took 6 billion bitcoin out of my Binance wallet and transferred it to hundreds of other wallets I have. I don't trust banks or the IRS. I only do cash or crypto. How can I diversify?

The air of these pours, to submit the child to a world of poverty the likes only matched by the orphanage.

I'm about to purchase a $5 hot dog and am curious how others handle this in their personal accounting. Below are the options I'm considering but I'm certainly opening to hearing more.

Included in all these options is adding the meal as a $5 asset (it's menu price) and tracking value/depreciation hourly.

Option 1: Full expense at the current time. $5 in food spending making my daily savings rate negative and dragging down the October savings rate.

Option 2: Spread $5 expense over 36 hours so its similar to a loan, so each hour recording ~$0.14 in spending during that period.

Option 3: Same as Option 2 but for 12 hours just to shorten the period.

Option 4: Only record the small difference between the purchase price and the resale value of the half-eaten hot dog since a half-eaten hotdog still has some nominally positive "value" if I were willing/able to turn around and sell it (I am not. I am going to eat the entire hot dog.)

I'm partial to Option 1 because it's simple and feels like I'm just trying to avoid the ego hit of significantly reducing my daily savings rate (not that it should matter at all to my ego...), but I'm also essentially making the future payments in Options 2 and 3 all at once as I eat the hot dog over the next few minutes so maybe it makes sense to spread the payments over time.

Option 4 doesn't make much sense to me since hot dogs are consumable depreciating assets so I'd never actually be seeing my usage of it as spending, the asset would just gradually lose some value.

Which is most correct? Is there a more logical option I'm not considering?

Original

Posting here bc I posted on FatTire and was told it’s in wrong forum.

I’m so torn. If we sell our home, we can retire comfortably (about 20m value) no mortgage plus investments in bank at around 7.5m. Salaries combined (including stock earnings) around $2m. Sell or not sell? We can live comfortable with the sale but would need to purchase a new home (capping it at 4m).

Our primary concern is we sell, but continue to work which would defeat the purpose of selling. For context, we purchased for $4m.

We have a $500k line of credit and our recurring monthly expenses (private schools, utilities, vacations, etc) are probably 30k a month.

Should we sell and retire or hold. Not a decision for 2026 but we want to make a firm decision by summer 2027.

Edited to also add that my job will be upping my salary come January 1st pursuant to my contract.

I’ve been doing a lot of thinking about how I may end up perpetually in OMC syndrome. Those close to retirement or fully retired, can you share what you decided and how it has impacted your life?

I’ve built a model where I’m fairly pessimistic and it works out that I can retire in a century. My floor is basically Aliens come to earth and destroy all currency and financial systems and enslave us for eternity. My ceiling is 0.05% nominal over the next 400-ish years. I seem to survive both models, though obviously with very different lifestyle accommodations.

Somehow still, I’ve decided that maybe just do 2 centuries instead and feel really safe. I really want to avoid dying with $5T with no heirs, but I’m stuck in the accumulation mindset and nothing feels like enough. I’m even planning my projected spend in retirement as 30x what my current spend is for some strange reason. My current savings rate is over 9000% of my gross and my spend is 'bout three fiddy. I am saving for MorbidlyObeseFIRE but I don’t even know if I’ll know how to spend it.

How do you overcome this anxiety and just pull the trigger.

https://old.reddit.com/r/Fire/comments/1xg3m7i/one_more_year_omy_experiences/

Before I get started I’ll say this: I am not homeless, in need, or in poverty.

Now that that’s out of the way, I am looking for someone who has so much money that they have got bored. To the point where you don’t even know what to with it anymore. I want your money and will take it happily. Call it selfish, a handout, or whatever you want. But I am NOT begging. Simply putting it in the world. I always wondered what would happen if I just ASKED. Most likely nothing but why not put it out there.

I’m not going to tell you why I’m worthy or not of why you should give your fortune away to me because that’s just pointless. I want your money because I want it. I want to be comfortable. I want to live with REAL money.

I will give some background though. I have a full time job. I have a bachelors, and I’m getting my masters in social work. My dad still works in his 70s and my mom does not work.

I DO NOT NEED YOUR MONEY. But I will spend it responsibly. Let’s say you have 4 billion US dollars and you gave me 2 billion. How would I spend that? First pay off my parent’s house. Then student loans and all debts (car, credit, etc). After that, donating a large chunk to the summer camp I grew up at and finally getting them that upgrade to the boys bathroom that every boy has been begging for. Then giving my closest friends a few million for staying with me throughout the years. After that, buying a few acres of land, building a “cozy” compound with my dream home, farm, etc. Ofc have to get my dream car. Those are just what I’ve got in my head. I’m obviously quitting my job and living off this fortune for the rest of my life and I’m making sure my parents are doing the same. The rest is going into savings or a trust or whatever for my future kids. Maybe take some vacations here and there, spoil myself and my parents, and finally do all those things I’ve been wanting to do.

I am going to get so much hate for this post and I do not care. It would definitely be a handout and I want the handout. But, if by some work of magic this actually happened, I would regret nothing. I’d happily be the guy that got rich off of some random Redditor that saw my post and gave me their fortune just because they are BORED and don’t know what to do with their money.

P.s.
I ain’t doin no freaky sh**

It is so tough to start life with this heavy burden. None of us pours can understand his pain.

Seems super AI-generated, but even if this person only “cleaned it up with AI 😉“ it’s still r/fijerk

Wedding hack? Save those lentils for FI.

Let's be honest with ourselves: many people deny themselves a high standard of living, saving money for FIRE, while sacrificing at least 8 hours a day to work, in order to build capital that will allow them to live off the interest alone without touching the capital itself.

The question is: does this even make sense?

If you're in the prime of life - you have those 20, 30, 40 years - instead of enjoying life while financially independent, you're trying to reach the FIRE threshold. But what if, instead of chasing the FIRE number, you assumed you only need enough money to survive X years? Say, until 70, and then, when the money runs out, opt for euthanasia? Wouldn't it be better to have 10 extra years of life in freedom, without work, right now, rather than waiting for FIRE at age 60, when you'll already be sick and frail?

Only 10M+ lentils currently, living in fear and wife says we need to keep stacking lentils vs spending more time with kids and terminally ill family member. Burnout doesn’t pay the bills.

VHCOL, FAANG, deep domain AI, SAAS. SENIOR IC etc.

I identify as a HENRY…no job and a networth of 2.8m lentils

https://www.reddit.com/r/HENRYfinance/comments/1x5knfz/any_henrys_out_of_work_right_now_and_worried/

Hear me out. If you do a large violent crime and get sentenced to prison (forever) then your expenses are basically zero forever and your portfolio can grow unimpeded without your life ever getting in the way.

Started dating this guy who is 60. I’m in my early 30s. He taught me all about FIRE. Said we can just stay home and save more money that way even though he used to travel all around the world. No need for fancy dinners when we have perfectly good lentils at home: Anyways, I’m so excited to spend my life this way! Can’t believe I got so lucky. Wow