Sorry if this is too personal but are you bored or just lonely? Maybe you should try to meet someone or grow your friend group. 

All my goals revolve around my family, career and enjoying life.

When you're ready to retire, retired 56f, wild horses couldn't drag me back. Boredom is my new freedom.

Fulltime getting looked down on by my family for not having a job.

Jordan Belfort is the OG buy my course, I'll make you rich yesterday. So that's what he'd be doing.

Nah, I think Belfort would be all over crypto and NFTs if he was still in the game today. That's where the real hype and easy money is at. Hiring global sales teams sounds too legit for his style lol. He'd be shilling shitcoins and rug pulls left and right, getting rich off the FOMO. The wolf's moved on to the wild west of web3 😂

Are you in the U.S.? This might sound crazy but maybe look in to driving a school bus? I am a hairstylist and I have met a few school bus drivers who really like the job. The pay is apparently pretty decent and many school systems are in desperate need.

Night shifts at control center, 90% of the shifts has no work and free to do what i want (currently building portfolio website and WFH integrations second job)

Thank you for sharing your story. As an American, I've pursued financial independence in part because I live in a country with a complex and inadequate social safety net, the quality of which varies greatly depending on where you live. It's fascinating to hear a detailed story of how a different model can help someone whose health doesn't allow them to "rise and grind" still maintain quality of life and contribution to society.

Let’s just get one thing clear. He wasn’t an entrepreneur he was a scammer. He scammed people and lived a lavish life off their money. People like to look up to him like he’s a smart guy for being able to make so much money but he cheated his way there. He’s not an entrepreneur of any sense.  People forget the ending to wolf of Wall Street where he ended up locked away

Assuming that you still work hard, my suggestion would be to now work hard for your own self. We always have assumed that getting good grades would fetch us a good life. This hope without cross checking has gotten us all in difficult times.

So let's shed this illusion of a perfect life and start working hard on our own self. Find inefficiencies in your own self and start working towards eliminating them.
Gradually you will find your passion or at least a profession close to your passion.

Hope you a good life ahead.

Congrats mate. Reddit recently went from #80 site in the world to #7 site in the world so it makes sense.

[I got someone](https://startupspells.com/p/nick-abraham-cold-email-masterclass) 6 leads (worth $5k each) from 1 post (unaffiliated) which [became top of all time post](https://reddit.com/r/coldemail/comments/1fpwr0q/cold_email_masterclass_by_a_guy_sending_1_to_15/) on /r/coldemail so they will probably keep getting more clients.

Consider government jobs. If you don't have a degree, look at the lower entry level positions. If you have a degree,  depending on the position,  your degree may be substituted for experience (Bachelor's for a GS5, Masters degree for a GS 9). If you are a veteran or someone with a disability,  you may  potentially be hired though a different process, with supporting paperwork. To view available jobs, visit USAJobs.gov.  Create a profile. There is a resume builder feature that can help. You can also use filters to help refine your search (and lessen the number of viewable announcements). For instance,  in the hiring path,  you can click on "Open to the public ", and if applicable "veterans " or "individuals with disabilities ". There is a pay filter that can assist in displaying jobs in the range that you establish. Just a heads up though...the federal hiring process is very slow (takes months). There are a number of "seasoned " people who entered government service. Some agencies may also have hiring events or information sessions on EventBrite.  Best wishes on whatever path you take.

9 clients / meta ads and SEO... How is this semi passive? That would be like a full time job for me. Are you not creating the content for the ads?

Maybe you should try the betting industry, lot of money and seems not too far off

You say 1.) you're a hard worker and dependable, 2.) you hate work culture, 3.) you would loathe corporate culture, 4.) you're too independent to be told where to go and what to do.

I think you should reflect on what you've posted here in the context of getting and keeping a good job...

Congrats! You're on a great path, make sure you enjoy the journey too... nothing wrong with spending a little on experiences (thing things you'll look back on later in life and appreciate), while you continue to accumulate. as a 42 year old engineer who is close to FIRE. I would suggest really focusing on not letting life spending creep up on you... those little things that can add up (car, eating out, etc...). Cheers.

This might be too particular for general advice. Try speaking with a career counselor. They might be able to give you a better hands-on in assessing a good fit

Did i misread something? 600€ a day? Are you looking for more devs? :D

I'm in a different situation right now but facing similar decisions. My goal was to reach my number and retire in the next 4-5 years but this summer my mom was diagnosed with stage 4 lung cancer and I'm her main support structure. It's too early to fully retire but I'm looking to shift into a part time job next year and it's all the hard work towards my fire goal that allows that to even be a possibility which I'm thankful for. 

Glad you were able to make it work!

Fantasy players don't have to be your favorite customers, the people how run these kinds of apps have to be and it seems like you enjoyed working for them.

Thanks for sharing. I'm sorry you've had to go through so much. I've also been hospitalized for a psychotic break. The only reason I can continue working is because I have a work from home job. Some weeks I only work 10 hours a week, but I always make sure to respond to messages quickly and am available at least 40 hours a week.

I have kids and being a stay at home parent contributed to my mental breakdown. So I might hit my version of retirement when my kids are all in public school and I no longer have to work to pay for a nanny. I'm lucky to have a spouse who has a great income.

I feel guilty sometimes having to have so much support. But I have to remind myself that mental disabilities are disabling and I need to take as much help as I can get in order to keep my mind healthy.

I think you have the major backbone of fantasy sport software and you should built it for a different sport. I never would have guessed tennis would have been a thing. American football? Basketball? 

You have the credentials..you need the distribution though. If there is any chance to partner with a sports celebrity, you'd have a killer combo.

Hi! My Mortgage was recently 1512.61 and my escrow analysis just came in and they’re telling me by new monthly payments are 4167.61! Is this normal ???? 

I bought my home back in late August of 2022 so I didn’t pay taxes that year. The previous owner had a homestead exemption for being a senior citizen. However my 2023 county taxes came in and it’s 12,943.17!! I have an escrow account and I’m a first home buyer. 

Is there anything I can do?? There no possible way my mortgage is that high for the area that I live in. 



UPDATED**** 

Thank you guys for all the help, I went to the cook county treasure. I didn’t have the Homestead Exemption for the year of 2023 that cause the city of Harvey to increase my taxes significantly. HOWEVER, taxes did increase and 10,000 of property taxes to live in Harvey, IL is outrageous. I file the certificate of error and apply for the homestead exemption.

Help! Monthly mortgage went up by 175%! 

https://www.theverge.com/2024/10/16/24272195/meta-layoffs-whatsapp-instagram-reality-labs

F is laying off employees

Check your reoccuring payments.

Today while at the gym I was talking to my friend who was explaining how frugal he is at saving. It got me thinking that, I know how my big picture numbers are, but what about my actual spending?

So when I got home I organized a spreadsheet and tried to track my expenses and notate mandatory vs not required spending. After 2 or 3 realizations that I have TONS of floating subscriptions, or random purchases I went on the warpath and start canceling things. 

Sirius XM? Haven't listened to it in 8 months.
Second Norton Sub?!? Why do I have two?! 
Live TV? Dude I live on Netflix.

After hacking away at everything I'm proud to say I just cut my annual expenses by about $2500.

So please let this be a lesson and deep dive your finances because I guarantee everyone has something.

Thanks, end rant.

Did a deep dive of my random spending. 

https://www.bbc.com/news/articles/ce8vedz4yk7o

No sympathy for them.

Firm hacked after accidentally hiring North Korean cyber criminal

Just resigned from work.  Have about 3 weeks left until my last day.  Feeling excited, but was surprised that I got kind of emotional during my resignation chat with my boss.  I guess I just started to feel overwhelmed, especially when talking about leaving my team. 

Anyways, original post: https://www.reddit.com/r/Fire/s/c7OAFDqUfP

Since then, our NW has grown a little.  Sitting at 3.85M not including the house.  Planning on having my wife continue maxing out both of her retirement accounts, which will bring our income way down.  Going to sell company stock up to the ~90k limit every year until we’re sufficiently diversified. 

Feeling scared, but really looking forward to honestly doing nothing for a month or two.  Planning to work out, take the dogs on hikes, read, and play video games. After a little boredom sets in, I’m planning on learning Spanish, work on a couple of engineery projects, and finding some volunteer work to do.  

Thanks to this community.. probably would never have pulled the trigger if I wasn’t constantly browsing this subreddit and getting ideas. 

Just pulled the trigger today…

Context:

Was involved in an automobile accident in 2018, common traffic break slam kind of thing. The other party and I waited for a police report, exchanged contact information and insurance and went our separate ways. The damage to my vehicle was minimal and I was not concerned with getting repairs done. I never hear anything back from the other party, or my insurance.

Fast forward to February of this year February, (5 years, 2 months, 15 days) I received an email from National Commercial Services (NCS) alleging that I owe over $4000 in damages and they would have my license revoked unless I paid said fees. They allege that I did not have insurance at the time of the accident, yet I still have and had the same insurance as then. I can not remember where I saw it, but I know in some personal report it is even listed that I was found not at fault for the accident.

I had emailed this company and spoken to them, I had asked them why they were only contacting me after 5 years, and the answer was some BS about "somebody dropped the ball, we didn't have your contact info (all the same information that had been provided at the time of the accident) etc etc,  and I asked them to provide valid supporting documentation that I was indeed responsible for this debt and I never heard back. Fast forward to last month, I received a phone call from a different representative of NCS and again asked them to provide supporting documentation that I was financially responsible for this debt. The next day, they sent me an email which included the pictures of the car that was damaged, the invoice for repair estimate from the auto body shop and an audit form from the other patrons insurance. All documents that are of no way compelling to say that I was responsible for this debt.

I did respond to the email and I told them that these documents were not supportive of the debt and in no way proved financial responsibility and their only response was "we have a denial letter from your insurance." This letter then sent does not state that I had no insurance (as the allege). This document does not in any way include any information pertaining to me, and in no response says that I was uncovered, yet they insist I had no insurance.

Since the beginning of this month, they have called me twice, and both times have occurred while I was at work and always exactly 5 minutes before 5pm PST (which is their closing hours). When I call back during other hours of the day, the party contacting me is always on another call or unable to take my call. Today their voicemail stated : "... We are calling regarding your drivers license, we spoke before" and then the same callback number I have contacted a dozen times. They threaten to have my license revoked under Iowa law, but never work with me to validate this debt and I am stuck for answers. I know I had coverage, I have the police report, I have the pictures but no proof and nearly 6 years difference in time. What do I do from here? I have no interest in legal pursuits, but I want to protect myself, yet this 1.2 star Google review company is so shady with it they have to resort to calling me 5 minutes before closing and never give me valid information.

Debt Collection Agency refuses to provide valid proof of debt, only calls me about 5 minutes before their close times and insists they will have my license revoked.

I'm curious to try this strategy with stocks I believe are high quality over the long run, but aren't sure which firms offer a "trigger" or something similar when these stocks hit the 200WMA. Any ideas? Would LOVE to see a website that lists all the stocks that are currently hitting it or close to it.

Charles Munger "If all you ever did was buy high-quality stocks on the 200-week moving average, you would beat the S&P 500 by a large margin over time." Do any of the big investing firms offer this metric?

I recently interviewed with a small startup, and the round was majorly focused on ML system design.

I just started my junior year at college and have no industry experience per se, so I'm not really sure if what I've answered is actually valid, and advice would be much appreciated.

So the question was: 
Design the Amazon search engine (product ranking) from scratch

I initially laid out the overarching design - given a query, we want to retrieve the most relevant product descriptions and rank them.

I said we could embed the product descriptions using a pretrained language model like one of the sentence transformers and store them, and index them for faster retrieval.

He stopped me here and asked me to come up with an indexing approach myself.

I mentioned that I knew things like hnsw are used for indexing but I didn't know them in too much depth, so I was gonna stick to something simpler - clustering.

This was my first screw up I think, I suggested using Agglomerative clustering since it's easier to optimise for the number of clusters using silhouette scores, but he rightfully made the comment that this will fail spectacularly at scale due to it's complexity and also asked me how I was planning on adding the new products to the index.

I took some time and suggested this approach:
We could take a snapshot of the product statistics on Amazon as of today. This would include things like the number of products in each category, total products etc and we can use this to estimate what a good 'k' would be to go ahead with k means clustering.

I suggested that we could use k means and form clusters and then we could compare the user query against the centroids of all the clusters and then narrow down our search space to one or 2 clusters.

Then we can use a simpler embedding (like tfidf) to search through the cluster and get top 1000 documents (candidate generation)

After that we could use cross encoders to rerank the 1000 results and then display to the user.

Coming to how we'd add the the new items, I suggested that we could treat the new item's description as a user query and pass it to the pipeline and add it to whatever cluster it is similar with the most.

I'm not sure if he properly understood what I was trying to say, and there was a fair bit of confusion as to what I was thinking and what he was interpreting it as. He thought my narrowing down into the cluster was candidate generation and getting the 1000 results using tfidf was reranking inspite of me trying to clarify multiple times.

Coming to online metrics, I got the trivial ones but couldn't think of edge cases like what if a user directly clicks on add to Cart instead of viewing it, what if there's an accidental click etc.

For offline metrics I was fixated on map and rejected mrr since we want more than just 1 item to be returned in the leading order. In the end i mentioned ndcg and apparently that was the most suitable metric and then we ended the interview.

I'm aware there's many ways to do it much better than I did but is my idea decent for someone who has had 0 experience working with products at a huge scale?

Should I reach out to the interviewer clarifying my approach briefly?

How badly did I screw up?

Got absolutely roasted in ML system design round

I'm so tired of see people in health care complaining, people in sales complaining, people in tech complaining. I'm just wondering the excitement die over time and nobody is happy or there's is a career that at least 50% and above are happy? 

It’s anyone actually happy in their career? 

We launched out software development studio 5 months ago and since then we have made $30k through Reddit. Its not a crazy amount but it is a solid channel nonetheless. This came from posts in relevant subreddits, replies on high ranking posts, and dming people we think fit our ICP, while also providing value in these subreddits.

One things we noticed along the way was that it is a very tedious process logging in everyday, seeing if there are new posts that are relevant for you, checking how your posts do, responding to 20+ dms. So we made an internal tool for our business to make it easier with keyword tracking (so I get a new report everytime I wake up), building curated groups of subreddits (since there are maybe only 4-5 subreddits I actually want to see posts from), and easily tracking leads into a table so I can keep track of everyone.

We are working on releasing this to the public to use as well, looking for people that want to beta test and give feedback. Only looking for about 5-10 more so if you use reddit (or want to use reddit) for business, feel free to let me know!

How Reddit made my business $30k in 5 months

3 years ago, I founded a mobile development agency. I started alone, doing everything by myself, and now we have grown to 5 people. I'm really proud of this small achievement because we accomplished things with apps we developed that I would have never imagined, but now we've reached a strange spot.

One of our first clients was one of the biggest **fantasy football apps**. By some miracle, they found our work on LinkedIn and wanted us to develop the app for the 2022 World Cup. I knew nothing about fantasy football and wasn't a big football fan, but the project was **really stimulating design-wise**, and the client was too big to say no. Our agency's quirk is that we love creating original and unique designs and animations, so this project was perfect. The app turned out great, we reached the top of the app store charts for sports apps, and we had 100k people using the app daily.   
  
We **were enthusiastic and proud of the work** we did but I didn't really think that we would get any other project like that, as to me it **seemed a really small niche**, and on top of that, I didn't have the passion and inside knowledge for team sports. But the client was so happy that we also ended up developing the app for other events such as the Champions League, Europa League, and Premier League.   
  
So we ended up with this incredible portfolio that also attracted another company in this niche, a startup this time, for a **fantasy tennis app**. The app turned out incredible, and I think it's the project that I'm the most proud of, but now **I'm stuck with a doubt**.

Should I double down on this niche, that in reality I don't really comprehend, not being a fantasy player myself? I mean, **the projects were super fun**, but I don't really know if there is enough market to have a consistent influx of new clients for this. We just want to do stimulating projects design-wise and this niche seems great for it.

The NICHE found me, but I'm not sure if doubling down is the right choice.

I have an IT company since 2018 in Paris. Our difference is to look for the best developers in Brazil and Senegal and hire clt locally, proposing higher salaries for them and lower costs for the end client.
I started working with big clients like Rolex, Carrefour, Sephora and got contracts with some startups.
But I always had a problem attracting new customers. I always took advantage of recommendations from old clients, which worked very well. I managed to grow my team to almost 20 members including devs, designers and project lead.
Do you see my mistake? I didn't set up the commercial team. Prospecting and attracting customers still depended on me. I tried to change this from 2024 after the loss of our biggest client. He called me to a meeting on December 21, 2023 to announce that he was terminating our contract where I had 12 full-time devs. This takes effect immediately.
I didn't quite understand what the reason for this end of contract was. We deliver everything on time and with quality. So I started thinking that maybe it's a strategy to renegotiate the values ​​that are too low (250€/day/dev). Based on our technical stack (React Native, Swift, Kotlin, Next.js, etc.) the value is extremely low. But working with my team completely remotely, I had the freedom to include Brazilian members in the contract. So it was profitable and comfortable for my company.
Unfortunately, this was the beginning of bankruptcy, we were unable to attract any customers with a constant or recurring load. I was never very good at the commercial side so I started to learn more about it and try different communication channels. But the time for it to take effect has been very long. Now we are almost at zero bank accounts. Until a friend sent me a Reddit thread of someone looking for good developers. I created my Reddit account and told him where I found mine, soon after I received support from several Brazilians in the USA offering me help in making a connection.
Exactly 19 minutes after I responded, I already found a qualified lead. The next day he hired 2 of my devs at the standard market price, i.e. €600/day/dev.
I've always recognized the power of Reddit but as someone who is more reserved, it took me a while to be active. Now I'll be here continuing to share my experiences and help whoever I can because being an entrepreneur is not easy.
My company is not saved yet, nor is my team. But we are on the way to improvements 🙏

Almost failed my company but Reddit is saving it

In March 2024, I made the decision to start my own business. At the time, I was completing a marketing internship for my Bachelor’s in Commercial Economics. For the past five years, I’d been working part-time at a restaurant, and I was more than ready for a change. During my internship, I learned the basics of web design (WordPress), SEO, and Meta/Google Ads.

One terrible night at my restaurant job finally pushed me to quit. The next morning, though, I was already feeling the pressure of not having any income. Then, almost like god was watching me, I got a message from a former classmate. He knew what I’d been doing during my internship and asked if I could help a friend of his – a small real estate agent looking for website and local SEO assistance.

That same week, I’d registered my business, put together an SEO strategy, and optimized the agent’s website. I set a flat monthly fee of €200 – which seems tiny now – but I went all out to get him results. Within three months, his website traffic grew from 1,000 to 2,500 visitors a month, with five new leads coming in every week. It was a big success, and I decided to share it on LinkedIn, aiming to reach other small business owners who wanted to grow locally. 

In the next two months, I had five clients: three real estate agents, a skin clinic, and a construction company. Today, I’m working with nine clients consistently, focusing mainly on Meta Ads with some SEO. My rates have gone up to a minimum of €400 per month, and my largest clients pay around €1,000. I’ve managed to keep my fixed costs low, meaning about 90% of what I earn is profit. The semi-passive nature of this work lets me handle it alongside a full-time job since September. 

I’m currently earning roughly €5,000 per month from this business, and I can only encourage others to take the leap. If you’re considering starting something on your own, taking a risk can lead to big rewards! Feel free to ask questions if you have any. 😊

How a bad night at my restaurant job led me to a €5000/month semi-passive business

I tried to stay home and so far, worked out regularly, volunteered consistently, 2 hobbies that are going strong, have learnt to play a new sport, met 100s of people through networking sites, gardened, meditate, watched too many Netflix shows, raising my kids, building innovative and hands-on creative projects and I'm still bored. Miss the process of setting goals and interacting with people on a daily basis to solve complex challenges together. 

I started interviewing and landed on a role. It's an average job that I'll be good at. Work comes with stress, no matter what so not looking forward to the politics and games that comes with leadership roles. It'll help pay some day to day expenses but want to quit if it's too much drama. I want to do it right the next time.

  
What are life goals for people in the late thirties? For more context, half the time I'm a single mom and the other half, I'm just single with  A LOT OF TIME. Staying with my ex-husband improved my multi-tasking skills because I was doing both parents jobs at home, working a job outside and taking care of the home and kids. Now my day-to-day has been cut by less than half that I fill with random activities but still feel empty, bored and unproductive. 

Failed to retire 2nd time. Need life goals for late-thirties.

This question is directed to those of you who are looking for their first tech role or have been laid off and are looking for work - but need a non-tech job to make some cash: **what job are you currently working?**

Which non-tech jobs are you doing atm?

Almost 55M and I need to quit my current job because I am having severe chronic pain issues and the job literally takes up 13 hours of my day. Thing is I also have had lifelong mental health issues l, and honestly have always been underemployed for someone with my level of education and intelligence(sorry for humble brag). I always thought one day I would get a "career" but recently realized that's not in the cards at my age, and it's not what I want to do anyway.

So since I can't afford SSI I need to find something non-physical and enjoyable enough to do for another decade or so. Not looking for anything extraordinary, probably 40K minimum is just fine.

Anybody have any recommendations? Know what the wave of the future is? Have a job they enjoy as an older person? Know a job old broken down people generally thrive in, etc? Much appreciated.

What job would you recommend I do for the last 7-10 years of my working life?

My greatest strength is being a hard worker and being dependable but that usually goes unnoticed by employers, I’ve lately been wanting to go back to school or study something new so I have more earnings potential since I only have a highscool degree at the moment. 

Problem is… I have zero strengths, zero passions, I just work hard, that’s how I’ve always gotten by. When I look up advice online it’s always to go with something you are good at, what you enjoy doing. I have nothing in both of those categories. 

I hate work culture, would absolutely loathe the  corporate culture that goes along with a lot of jobs. I think I’m screwed to only be an entrepreneur. What do yall think? Any tips to narrow this down? 

Some more context, I was a huge science nerd in highschool, decided not to pursue that because there’s no money in it. 

I’m lost 25M. Have no passions, I’m just a hard worker, and that gets me nowhere. How can I find my path? 

Title says it. 2 years ago I almost was broke with $10k in my bank and no job prospects. Then march 2022 happened, landed a job with $80K start. 

Majority of my NW came from RSUs that appreciated and some crypto/options trading. Now I'm just dumping it all to VOO whenever I get some cash. 

Been climbing up since then. Hopefully I can FIRE around 45 if that is realistic. 

(I'm in tech btw. 2022 was a fucking struggle. Had 100s of interviews after graduation but none was hitting until I landed one) 

(28M) can't tell anyone but I've finally reached a NW of $200k and got my salary increased to $140k in the same month. 

So I just watched this video "Jordan Belfort’s Playbook to Making $1 Million a Month" and honestly... if belfort was still out here grinding (he's still alive I know lol) do u think this is the kinda biz he’d be running now?

Like, hiring sales teams from all over the world, outsourcing everythin, and just raking it in. Sounds like some wolf of wall street vibes, right?

Has anyone actually tried this? Does it really work or is it just more bs

Anyone else think Jordan Belfort would be doing this today?

I was aggressively saving for years with FIRE in mind.  I wanted to have enough to retire early, and still work part-time doing what I wanted. Today I reached my goal, but just not in the way I expected.

After saving for years, my life took a sudden turn for the worse. Due to lots of stress factors I experienced a psychotic break back in 2021. I was hospitalized, and got an autism diagnosis, and a psychosis related diagnosis after being in the psych ward for a couple of weeks.

When I was released, I was determined to get back to working full time as soon as possible. I worked myself up to full time again during 2022, and continued saving aggressively. Sadly, I had another psychotic break a few months later. I learned then, that I needed to take better care of myself.

Still, I hadn't given up. For all of 2023, I tried to get back to a full time position, but found that I couldn't work more than 12 hours a week. Every time I tried to increase my hours worked per week, I experienced anxiety and other symptoms. I was lucky in that my workplace supported me through all of these struggles, and continued to pay my salary, as if I was working full time.

Last year, my doctors, psychiatrists, care workers, therapists, really started insisting that I should accept the fact that maybe I could only work 10 hours a week, and wouldn't be able to get back to a full time position due to family-related stress, and my diagnosis. It was a bit of a blow, because all of a sudden my future finances were uncertain. Luckily, thanks to my pursuit of FIRE, I had a really good financial cushion to support me while I figured out what to do.

I then started to piece the puzzle together. I live in Denmark, and we have a government subsidized work contract called "Flexjob", which meant that I could potentially get a large part of my income covered if I could be approved. I also had a "loss of work capacity" insurance through my work pension agreement, which could cover the rest.

It was scary, because taking this step in pursuing external support was against my initial goal of remaining independent. I wanted to be free of the system. But I also started to realize, that due to my disability, independence would be an insurmountable struggle. I started reaching out more and more, and recieving benefits. I realized that it was OK to ask for, and receive help.

I gathered all the documentation necessary from health care providers, and sent it to all relevant parties. I needed a flexjob agreement with my jobcenter, a flexjob contract with my employer, and an application with my insurance company for loss of work capacity, if I was to ensure that I could keep my salary even though I would only work 10 hours a week.

After extended work, help from case workers, lawyer, and other paperwork aficionados, I managed to get everything in order. My flexible job agreement was approved, my flexjob contract with my workplace was signed, and I just got word yesterday that my insurance company will pay me all the way until 2054 when I will officially "retire".

So from today, I am officially set. I will receive payments, and can work the amount of hours I've always wanted to work, until I'm on my sixties. Although not technically "financially independent", I have reached my goal at age 38 of only having to work 10 hours a week, and I will keep my income as it is.

Sometimes life takes odd turns and twists, yet we can still end up where we wanted to go, despite of (Or even because of) massive setbacks. Now I just need to figure out how I want to spend the rest of my life, because maintaining income is no longer a priority. I'm "done". There is no more FIRE for me to pursue. It feels surreal.

Thank you for reading.

Sometimes life sends you in another direction, and you still end up in the right place.

Explore how the 2024 presidential candidates' tax plans could impact your finances and what to know before voting.What tax proposals are the 2024 presidential candidates making, and how might these policies affect your finances? What should you know before voting on tax issues? Hosts Sean Pyles and Anna Helhoski discuss the key differences in the candidates' tax plans and how to make informed decisions to protect your financial future. They begin with a discussion of the importance of tax policy, how taxes fund government services, and the long-term effects of tax laws on your paycheck.Then, Anna talks to Amy Hanaeur, the executive director of the left-leaning Institute on Taxation and Economic Policy, to discuss the candidates' specific tax proposals. They discuss proposals to cut corporate taxes, extend expiring tax cuts, provide child tax credits, and eliminate taxes on Social Security benefits.In their conversation, the Nerds discuss: Trump tax proposals, Harris tax proposals, 2024 tax plans, presidential tax policies, tax policy comparison, how tax cuts affect the middle class, child tax credit, corporate tax cuts, small business tax credits, housing tax credits, personal finance and taxes, presidential election taxes, tax cuts for wealthy, understanding tax deductions, tax credits explained, government spending and taxes, tax policy and inequality, tax laws 2024, income tax changes, tax reforms 2024, tax policy for corporations, presidential candidates tax proposals, tax policy debate, tax reform proposals, and corporate tax rate.To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com.Like what you hear? Please leave us a review and tell a friend.

Explore how the 2024 presidential candidates&#39; tax plans could impact your finances and what to know before voting. What tax proposals are the 2024 presidential candidates making, and how might these policies affect your finances? What should you know before voting on tax issues? Hosts Sean Pyles and Anna Helhoski discuss the key differences in the candidates&#39; tax plans and how to make informed decisions to protect your financial future. They begin with a discussion of the importance of tax policy, how taxes fund government services, and the long-term effects of tax laws on your paycheck. Then, Anna talks to Amy Hanaeur, the executive director of the left-leaning Institute on Taxation and Economic Policy, to discuss the candidates&#39; specific tax proposals. They discuss proposals to cut corporate taxes, extend expiring tax cuts, provide child tax credits, and eliminate taxes on Social Security benefits. In their conversation, the Nerds discuss: Trump tax proposals, Harris tax proposals, 2024 tax plans, presidential tax policies, tax policy comparison, how tax cuts affect the middle class, child tax credit, corporate tax cuts, small business tax credits, housing tax credits, personal finance and taxes, presidential election taxes, tax cuts for wealthy, understanding tax deductions, tax credits explained, government spending and taxes, tax policy and inequality, tax laws 2024, income tax changes, tax reforms 2024, tax policy for corporations, presidential candidates tax proposals, tax policy debate, tax reform proposals, and corporate tax rate. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email <a href="mailto:podcast&#64;nerdwallet.com" rel="nofollow">podcast&#64;nerdwallet.com</a>. Like what you hear? Please leave us a review and tell a friend.

Paycheck Politics: What Presidential Tax Plans May Mean for Your Wallet

In September, Chinese policymakers shocked the markets by unveiling a set of stimulus measures designed to boost the economy and bolster the real estate market. While it's too soon to know whether the announcements will be successful, the stock market took off like a rocket in the wake of the news. Since the initial unveiling, further efforts have been announced with promises of more to come. So how big of a deal is this really? Is this the start of a major turning point in China's economic trajectory? Or is this just business as usual? On this episode, we speak with two guests. First, we discuss the macro situation with Richard Koo, chief economist at the Nomura Research Institute, and the famed theorist of "balance sheet recessions." Then we delve further into China's decision-making apparatus with Zichen Wang, the author of the must-read Pekingology newsletter. Our guests answer why this time may be different, how these measures come about, how they get implemented, and what to watch next in terms of their impact. And if you want more Odd Lots content, subscribe to our new daily newsletter over here. Read more:US Trade Rep Katherine Tai Describes the New Era of GlobalizationAdam Tooze on the Big Misconceptions of the Chinese EconomySee omnystudio.com/listener for privacy information.

In September, Chinese policymakers shocked the markets by unveiling a set of stimulus measures designed to boost the economy and bolster the real estate market. While it&#39;s too soon to know whether the announcements will be successful, the stock market took off like a rocket in the wake of the news. Since the initial unveiling, further efforts have been announced with promises of more to come. So how big of a deal is this really? Is this the start of a major turning point in China&#39;s economic trajectory? Or is this just business as usual? On this episode, we speak with two guests. First, we discuss the macro situation with Richard Koo, chief economist at the Nomura Research Institute, and the famed theorist of &#34;balance sheet recessions.&#34; Then we delve further into China&#39;s decision-making apparatus with Zichen Wang, the author of the must-read Pekingology newsletter. Our guests answer why this time may be different, how these measures come about, how they get implemented, and what to watch next in terms of their impact. And if you want more Odd Lots content, subscribe to our new daily newsletter <a href="https://www.bloomberg.com/account/newsletters/odd-lots?sref&#61;frV97TwV" rel="nofollow">over here</a>. Read more: <a href="https://www.bloomberg.com/news/articles/2024-09-09/us-trade-rep-katherine-tai-describes-the-new-era-of-globalization?srnd&#61;oddlots?utm_medium&#61;referral&amp;utm_source&#61;podcast&amp;utm_campaign&#61;odd_lots&amp;utm_content&#61;article" rel="nofollow">US Trade Rep Katherine Tai Describes the New Era of Globalization</a> <a href="https://www.bloomberg.com/news/articles/2024-09-12/adam-tooze-on-the-big-misconceptions-of-the-chinese-economy?srnd&#61;oddlots?utm_medium&#61;referral&amp;utm_source&#61;podcast&amp;utm_campaign&#61;odd_lots&amp;utm_content&#61;article" rel="nofollow">Adam Tooze on the Big Misconceptions of the Chinese Economy</a>See <a href="https://omnystudio.com/listener" rel="nofollow">omnystudio.com/listener</a> for privacy information.

Richard Koo and Zichen Wang on What Just Happened in China

How to Buy Profitable Real Esate Deals - Registration is FREE - https://bit.ly/4eFuLV8Join Jaren Sustar on the Rich Dad Radio Show as he unpacks comprehensive strategies for lead generation and real estate investing. This episode delivers tactical advice on finding, analyzing, and funding property deals leveraging both organic and paid methods. Learn how to utilize networking, partnerships, driving for dollars, and social media to discover lucrative opportunities. Additionally, Jaren contrasts single-family homes with multifamily properties, offering insights for beginner investors. Tune in to gain practical tips, real-life success stories, and expert recommendations to build your path to financial freedom in real estate.00:00 Introduction 00:31 The Importance of Lead Generation in Real Estate01:22 The Big Three of Real Estate Investing01:53 The Role of Bird Dogs and Lead Generation02:43 Generating Leads: Organic vs. Paid06:40 Organic Lead Generation Strategies09:30 Working with Investor-Friendly Agents12:14 Partnering with Wholesalers15:57 Finding Deals on Zillow18:53 Pro Tip: Don't Let List Prices Dictate Your Offers19:50 Driving for Dollars: A Hands-On Approach20:51 Networking: Building Connections for Success23:28 Social Media: Leveraging Your Online Presence25:14 Craigslist and Facebook Marketplace: Hidden Gems26:06 Paid Leads: Cold Calling and Direct Mail26:25 Cold Calling: The Basics and Strategies30:27 Direct Mail Campaigns: Old School but Effective31:49 Recap and Final Thoughts33:04 Q&A with Jaren: Single Family vs. Multifamily

How to Buy Profitable Real Esate Deals - Registration is FREE - https://bit.ly/4eFuLV8 Join Jaren Sustar on the Rich Dad Radio Show as he unpacks comprehensive strategies for lead generation and real estate investing. This episode delivers tactical advice on finding, analyzing, and funding property deals leveraging both organic and paid methods.  Learn how to utilize networking, partnerships, driving for dollars, and social media to discover lucrative opportunities. Additionally, Jaren contrasts single-family homes with multifamily properties, offering insights for beginner investors. Tune in to gain practical tips, real-life success stories, and expert recommendations to build your path to financial freedom in real estate. 00:00 Introduction  00:31 The Importance of Lead Generation in Real Estate 01:22 The Big Three of Real Estate Investing 01:53 The Role of Bird Dogs and Lead Generation 02:43 Generating Leads: Organic vs. Paid 06:40 Organic Lead Generation Strategies 09:30 Working with Investor-Friendly Agents 12:14 Partnering with Wholesalers 15:57 Finding Deals on Zillow 18:53 Pro Tip: Don&#39;t Let List Prices Dictate Your Offers 19:50 Driving for Dollars: A Hands-On Approach 20:51 Networking: Building Connections for Success 23:28 Social Media: Leveraging Your Online Presence 25:14 Craigslist and Facebook Marketplace: Hidden Gems 26:06 Paid Leads: Cold Calling and Direct Mail 26:25 Cold Calling: The Basics and Strategies 30:27 Direct Mail Campaigns: Old School but Effective 31:49 Recap and Final Thoughts 33:04 Q&amp;A with Jaren: Single Family vs. Multifamily

Master Real Estate Investing: Lead Generation Strategies & Property Insights

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