Do it and consider 50% of your net worth a priceless down payment on your future happiness. 

Speaking from experience, what’s the point of even $100 mn in your pocket if you hate yourself, your life and the person you spend the most time with every day?

Do it now and consider yourself lucky you got such a discount.

You have a paid off house, a decent amount saved and can save tons going forward. This sub Reddit has become ridiculously dramatic with the first world problems

TBH you're likely safe since they hired you from being an intern, which means they trained you for free (one of the biggest costs for new hires) and they likely got you cheap (you're probably not being paid what you're worth).

Also - much like in programming we have YAGNI to remind us not to worry about something until we need it, it will benefit you in life to not worry about some things until there is something to worry about.

Drink water. Get exercise. Learn what you can and find your happiness, whatever that may look like.

The rest is just seasonality.

Let the hospital figure it out, medicaid, emergency medicaid etc. do not tie up your finances in this.

You need a lawyer. With no dependents most likely she is entitled to half of the matrimonial assets, this includes the business. You will need legal assistance to work out how this shakes out, you'll probably be able to essentially buy her out, that might be by giving up a larger share of the liquid assets but you wont be able to do that without legal help.

Dispute the charge with your credit card company.

I had less, but still lost millions.  

I was extremely happy I did it and love my current life.  I am now almost back to where I was then financially, too.

$15M is plenty.  You will grow from there.  Go date new fun people and enjoy. 😊

Never stop learning, never stop growing that is my mindset. I've done App, Frontend web, backend, and game dev on various frameworks (angular, Blazor, react, spring, EF, Django, Swift, Kotlin, Godot, Unity). Don't pigeon hole yourself to one technology.

Honestly I think you’re fine.    You aren’t starting from scratch and your 401k and stocks will continue to grow.  

Without a mortgage and car payments for a long time you can catch up and max out 401k’s plus add to your etf position.   

Assuming you don’t move and can stay mortgage free long term that is huge.    I don’t see how your expenses go way up without a mortgage so you need significantly less in your retirement accounts.  

Also - because your expenses will remain low, you would qualify for Obamacare on a lower income level when you do retire.    

I have collectibles like that as well.   Right around same value, maybe $50-$60k.    Thoughts on holding or selling and moving on?  Keeping just a few you really enjoy?

If you only spend $8k a month why wait? You should be able to retire now, no?

You have 4.5M nw why are you scared ? 😒🙄🙄

I’m so sorry that this is what you’re going through. 
> I'm angry at my dad because he got comprehensive health check up in the recent years (with colonoscopy and all that) but did not care to pay for the services for my mom.

May this type of man never find me.

Create the life you want. You are about 2x as rich as me. But I work 6-4pm Mon-Thurs…not a second more. I don’t travel for work anymore. I don’t work overtime. I don’t take or try to earn promotions. When the weather is good I leave and go on a hike, but I always get my 40 hours in. I get 5 weeks off per year, plus holidays and I take every …single…day. I can also purchase additional PTO and I do. I have been trying to go remote, but that has eluded me so far 🤣

I tell you all this because you are in a position to make your life as super simple as you’d like and only have to do the type of work you want. Screw traveling for work 2x per month and taking calls from Asia at night…unless you are crazy and like that. You have fuck you money to make the life you want. You don’t have to quit your job, just earn at least $10k per month between you and your wife. If your situation is like mine you might actually make MORE money after you start flexing your position of FI. Best of luck and great job saving and investing as you did!

So is mobile app development is basically doing front end work?

This really reads like it was written by AI lol. Sentence structure and dash spam.

Don’t overreact and lose your cool. While you are working, keep applying to jobs passively to companies you like and are interested in. You’ll have good interview skills and have more confidence even if the worse case scenario happens. Just don’t loose your cool. Keep being consistent and level up on your skills.

If Thrifty charged you in May 2025 they should have a receipt from the transaction in May 2025. Call the number on the credit card statement in the transaction line or if there isn't one call the bank and ask for the customer inquiry number for credit card issues with that charge. Every merchant comes through with a number.

It is likely tolls, camera ticket or parking tickets you received while you had the rental and Thrifty was just notified. They tack on a processing fee on top of the  fine.

I think I recall some slimy inability to change some things in the trial as well which made it almost useless for any accurate information and more just a trial of whether you like the interface and features. There was supposed to be new consumer protection regulation against this that was basically a rule stating you must be able to cancel any service as easily as the sign up process. But I imagine that never had a chance to get fully implemented and now is dead in the water.

Try Projection Lab. The only thing I didn't like better than Boldin is the roth conversion tooling. Boldin tries to give you an optimal strategy (I couldn't test whether it was correct or took my priorities into account). Projection Lab makes you fiddle with approaches manually and just compare outcomes as trial and error.

Always use a virtual card that you can cancel for anything online 

Just keep saving you’re doing really well with a paid off house at 40. I wish I had that

In my case, I was a full stack dev turned full stack + mobile because our mobile developer quit. 

Now for our new app or features, I’m building out the backend logic and mobile app endpoints and then building out the mobile app integration with said endpoints. Gives me a very strong picture of how our system works and is very rewarding, not to mention valuable for the resume.

Keep learning on the job and if that’s not possible then create the opportunities for yourself either by making suggestions at work or creating a side project.

"What's the point of all this if it costs me myself?"

Dude, that's going to sting my soul for the remainder of my days. That's beautiful, poetic, and deeply upsetting.

I'm someone who quit everything and invested in myself, and the urgency made it work, but barely. I don't recommend doing that now, of course, but it's bittersweet, because I would also do it all over again for myself.

Here's what I suggest:

Split your time: you take care of yourself (physically, health, etc.), you work this shit job just a little bit longer, and every other minute you're awake, you build something.

Now, I'm not someone who advocates for college for most things. Nearly everyone I know who's done something great was a dropout. I'll toot my own horn, because my education ended in the middle of the 4th grade.

My point is: you don't need a license to build something. You don't need a degree. Find something you enjoy, build, document your process (build-in-public), and live an unbalanced life now so you can live a happy, balanced life later.

If the rental is beyond 6 months ago, they have no record to base the new charge on? So either they DO have the info, or they’re making stuff up… Either way sounds like a chargeback should be appropriate.

Nft/web3-grifters piling into AI lol. Never ending story!

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I’m in the middle of a cancer diagnosis and all the the prognosis’ on the table are 3 years or less.   None curable.  I am a fit and healthy guy.  Lived life right.  Luck of the draw. 

I don’t regret my work.  I loved it and it didn’t own me. I can’t really say that I regret my relationships or how much time I spent with my kids.  Of course, when staring down the barrel of death you’ll always wish you spent more time with loved ones.  

The main thing going thru my head isn’t dying, I don’t want to die.  But once I’m dead my suffering stops.  My young kids, friends, family, everyone who loves me… is left behind to suffer.  

So I guess what I’m getting at, is this is a group of people who are very focused on the future.  Your greatest blessing is being able to be there for the people that love you.  Simply being able to exist for your kids is the most amazing gift.  That’s what I’ve come to realize.  

Also, buy the boat… go on the trip… live life to the max… help somebody in need. You never know when your time is up. 

39m, kids, divorced, 4.5M, dying.

Hi Friends,

Been watching this sub for years now and quietly biding my time to exit the corporate world.  I was fortunate enough to get laid off with a nice severance and last Friday was my last day.  The math says we're on track to cover our (probably overly conservative) expenses at a 3% withdrawal rate.

I wanted to give a huge shout out to everyone this sub.  Like many others I don't have anyone I feel comfortable talking about this with and certainly no role models locally.  Knowing you all were out there, and had taken the leap and survived, gave me the confidence and discipline to make it happen.  Thank you, thank you, thank you!

So I guess I'm early retired now at 42.  But somehow it doesn't seem real unless a bunch of strangers on the internet tell me to go f\*ck myself so here we are :)

If anyone is interested I thought about posting the emotional side of this experience.  I know we talk a lot about the numbers but I'm finding the non-financial side is an interesting ride as well.  

I'm out...

My front windshield of my car got cracked from a baseball. I called around to multiple glass shops to get prices and such. Due to the kind of car I have, it cost extra because of the safety cameras and extra nonsense so everyone said it was an extra 300 dollars to recalibrate it after the windshield if replaced. I settled on a shop, took my car there and they replaced the windshield and called me to pick it up, but said they accidentally broke the molding around the windshield so they had to order new ones (which I got charged for) AND the windshield they put on had a crack on it and they couldn’t get it recalibrated. They told me they would order a new windshield and molding and have me come back in at a later date. I brought my car back in, they replaced the molding and windshield but ended up calling me saying they couldn’t get it recalibrated. So there is a dash alert in my car and I’ll have to take it somewhere else for them to fix it because they couldn’t. Mind you, it worked fine before they replaced it. I assumed they would take off the recalibration fee and the cost of the molding since it was their screw up, but they didn’t. They took off 100 dollars off the price, that’s it. I explained I’m going to have to take it somewhere else and pay for someone else to fix it and if the recalibration fee is 300 why am I only getting 100 off? No budging from them. So once it posted to my credit card, I disputed it with my bank and explained what happened. The glass shop gave their side of the story and I gave mine to the bank and the bank sided with me and gave me the money back. The next day, the glass shop calls me and says they want their windshield back and if I don’t answer my phone and bring it back they will find me, and cut it out of my car. 
I’m worried my car is going to get vandalized at this point because of the unprofessional behavior of them. The only legal thing they can do is take me to court right? What are the chances they would do that and get their money back when the whole thing was a screw up on their part??

Disputed a Charge and now the merchant is threatening me

I don't know the vibe of tech industry seems off for 2-3 years now. Companies are trigger happy laying off experienced workers on back of whom they created the product. It feels deeply unfair and disrespectful how people are getting discarded, some companies don't even offer severances. 

My main point is previously you could build skill in a particular domain and knew that you could do that job for 10-20 years with gradual upkeep. Now a days every role seems like unstable, roles are getting merged or eliminated, you cannot plan your career anymore. You cannot decide if I do X, Y, Z there is a high probability I will land P, Q or R. By the time you graduate P, Q, R roles may not even exist in the same shape anymore. You are trying to catch a moving target, it is super frustrating.

Not only that you cannot build specialized expertise in a technology, it may get automated or outsourced or replaced by a newer technology. We are in a weird position now. I don't think I will advise any 20 year old to target this industry unless they are super intelligent or planning to do PhD or something. 

Is my assessment wrong ? Was tech industry always this volatile and unpredictable? Appreciate people with 20+ years experience responding about pace of change and unpredictability. 

We are entering a unstable phase in tech industry for forseeable future.

I just turned 25 and I am one month into my first true “career” job. I don’t mean to complain, because I know many people would love to be in my situation. A job is a blessing and not something to be taken for granted. My benefits are good and my pay is OK. For a while, I was desperate for a good job and I finally got one. So don’t hate me for this.

That said, after one month of staring at a computer and looking at spreadsheets all day, there is absolutely no way heck that I will be doing this until I retire. I would rather work in 100° heat at an outdoor lumberyard like I did during the summers in high school. At least I was happy. I think humans are meant to be outside and to work with their hands at least to some degree… I didn’t realize that I was basically signing up for a glorified data entry job. My eyes are strained and my brain hurts by 5 PM each day. All I look forward to is getting to the gym after work so I can at least channel some frustration and energy.

I might be able to move up in the company, and I will probably not be working this exact job forever, but I am simply not going to make it my whole career sitting in a dark air-conditioned building staring at computer monitors from 8:30-5. I look in the mirror every morning and have purple bags under my eyes. This can’t be the best there is…

Am I wrong for not wanting to work a desk job for the next 40 years?

Look at the YC startup directory over the past 2 years. Every company’s product is centered around AI. College kids are being handed millions of dollars to build companies without even a concrete idea. Companies with no revenue are obtaining hundreds of millions of dollars in valuations. 

This smells like a bubble filled with overvalued startups that will crash and burn in a few years. When I look at the tech, yes it’s a tool that boosts productivity, but there’s so many limitations right now and so many issues that need to be address to reduce those limitations, that I think there will be some leveling off of this AI revolution. 

Are we in the biggest bubble in history and what would case the bubble to break?

A former boss offered to refer me to a job at a company he’s consulting for, but he asked for a % of my salary in return and told me not to tell them. It felt off. I ended up halting the process anyway after getting another offer I applied to normally. Just curious , is this kind of thing common or shady?

Is it normal to pay someone a % of your salary for referring you?

I put retiring in quotation marks because I mostly mean that I would leave my current job at 60.  There are a few things I would love to do on a part time basis, perhaps for health care coverage but not necessarily.  So here are my details.

* Not married and no kids.  
* I currently make $133,000/yr. It's a good job, easy commute, great co-workers and organization, excellent benefits and usually low stress
* Max out my 403b (employer contributes 6%) and Roth (although the Roth account is new and was mostly created so I could start Roth conversions post-retirement)
* Current NW $1.9M: $652,672 (brokerage); $629,171 (IRA); $327,472 (inherited IRA, 6 years left to draw down and currently take the minimum); $332,968 (403b)
* Home equity $750k (no mortgage)
* 1 car paid off, KBB $15,000

I recently paid for a one-time financial review, and he says I could really retire any time I want. Plan is to start Roth conversions once I retire, first income source would be continuing to draw down from the inherited IRA, delay SS until 70, hopefully be able to take advantage of ACA with credits. I'd like to plan for annual expenses of $80k/yr.  Do you think I'm good for 60, or would you continue to work a couple more years?

Just turned 57, thinking about "retiring" at 60. I feel like I'm in a good place. Am I?

I have a relative at retirement age with no assets except $250k cash. But they also have no real expenses (small amounts only for food, gas, insurance), as they live with an elderly parent, for now, but they might not within 2-4 years, so they need to figure out a game plan to be on their own in the future. They make only about $1000/mo, which is from SS and a small pension. In the near future, they have the option of building a small home (ADU on a child's property) for about $175k so they don't have to pay really expensive rent somewhere. 

I've been on the traditional FIRE path for a while, so I'm unsure how to advise them on how to live off the $250k without drawing it down. The traditional idea of a retirement-age person putting this cash into a low-risk investment (like bonds, t-bills, or high yield savings only) doesn't seem to fit, because it has no way of giving them sufficient income, and they need to maximize returns.

It almost seems like they should just park the money in VOO indefinitely, despite this being a "higher-risk" option, and just liquidating 4% a year or .25% of balance per month to live on. That way, at least they gain the relative advantage of market growth (compared with HYS account).

Is there a better plan than this, all things considered (age, risk, present/future expenses)?

Edit: appreciating the advice that "retirement is a number, not an age", and I agreed with it. I guess the focus of my question is, given the situation, if you were this person and this was all you had, but you had the financial knowledge you now possess, where would you park the $250k in perpetuity?

Relative is retirement age but needs to live on income from $250k cash. No other assets, no home. What to do?

By the numbers, I'm getting close to achieving success, if not already there.

49 years old, single, no kids.. I actually like my job, too.  I grew up not poor, but nowhere near rich.  Middle class, but on the low side.

Anyways, my annual spend is ~50k... I don't limit my life, that's just what it is.

My only debt is a 3.75% mortgage with 61k left on it (redfin says the place is worth 340k).. car is paid off, CCs get paid off each month, etc

~1.3m in investments (45k in 401k, 215k in Roth IRA, 488k in traditional IRA, 587k in taxable investment), fully maxed on tax advantaged contributions (401k, HSA, IRA), contribute 70-90k on top into taxable.

And yet.. I don't feel like I'm anywhere close.  My brain is not admitting it.

I tend to think it's because the majority of my investments are in accounts I shouldn't touch for another ten years, so I don't feel like I'm anywhere close to retiring; if I lost my job it feels like I'd be in a world of hurt because the retirement money is locked away (I know, it's "only" a 10% penalty)

I also (intellectually) realize I have enough in my taxable to go to 59.5, even if it were just cash earning no interest.  But the psychology is getting me. 

How do you get your brain to admit the numbers are real?

How do you make your brain realize you've won?

We hit $4.5M in NW and can't share this milestone with family or friends.

47M/47F with two kids: High School Freshman and 2nd grader this fall in MCOL city in the Midwest

HHI: $330K with Bonus around 25% - 30%.  Split 55/45

Story:  I grew up in a lower-middle-class family. My parents worked hourly jobs and put my sister and me through college. I graduated with a STEM degree with about $25K in loans.  My first job paid $49K.  As I signed up for benefits, the only other new hire said he was maxing out his 401K to the IRS max.  I decided to do the same.  It was not too difficult at that time because I lived in an LCOL and my rent was $500/month.  I met my wife seven years after I started working during an international assignment.  She moved to the US a year later, transferring within the same company.  When she started working, I set her 401K contributions to the IRS max.

Below are the financial details

|Account Type|Amount|
|:-|:-|
|Cash/HYSA/CD|$131K|
|Taxable Brokerage|$391K|
|Retirement Accounts (401K, Roth IRA, Rollover IRA)|$2.65M|
|HSA|$284K|
|529 Plan|$162K/$82K|
|Kids UTMA|$18K|
|Real Estate|$800K|

We both max out our 401Ks, IRAs, and HSAs every year since starting the accounts.  Both our company matches are 8%.  We don't touch the HSA.

$800/month goes into each kid's 529 Plan. I put $2500/month into a brokerage account.  My wife contributes $500/month.  She is not too keen on investing beyond her 401K and IRA, as I am.  She keeps most of her money in HYSA and CDs.  This is one of the reasons our taxable brokerage is very imbalanced with our retirement accounts.  

We do not have debt.  Our mortgage was paid off one year ago.  Cars are model years 2017 and 2016 that were purchased second-hand and paid off within a couple of years.  

We spend about $8K per month.  This includes a couple of family trips per year.  The trips are subsidized by airline and hotel points accrued from work travel.  Our biggest recurring expense is before and after school care (now summer care) for our elementary school kid. This should go away in a couple of years.  

We both work from home full-time since the start of the pandemic.  Both are at Global 500 companies with >20B in sales.  Although our jobs can get busy, we enjoy what we do. I am a Director level and have technical responsibilities for my company's largest customer.  I have a lot of night meetings with either the customer or colleagues in Asia.  I have occasional international travel.  My wife travels domestically about 2 weeks per month.  

Although I work hard and enjoy what I do, I have been secretly counting down to early retirement.  I want to retire when our first daughter goes to college.  She is really smart and could possibly earn academic scholarships.  If not, we are prepared to pay full freight, which may push retirement later by a year or two, since we will not have enough in her 529 plan for private school in case she wants to go that route.  My wife thinks I am crazy for wanting to retire when we still have our youngest in school.  I think she will follow suit when she sees me not working.  The other concern is the lower amount in our brokerage accounts compared to our 401K and IRAs.

A few questions for this group:  1) What amount in our taxable accounts would make us feel safe to retire at spend of $10K/mo?  2)  Aside from the rule of 55, are there other ways to pull from our retirement accounts early without penalty?  3)  How much do we need to budget for health care?  Would could use our HSA for medical bills before meeting a deductible.  

Thanks for reading.  

Hit $4.5M NW this week and counting down the years

Found out that my current company was hiring one new grad. Manager said that over the weekend, the posting via Jobvite the job got 600 apps. Manager joked and said that “aren’t you glad we scooped you up” (came from intern to FT pipeline)

I am kinda scared if I get let go the next day. Currently have 0.5 YOE and I consistently leetcode and do system design. 

Can’t freakin sleep easy at night knowing that I could get let go and then have to face that level of competition again. I don’t have enough savings to let me survive and find a job for 6 months if I do let go and don’t want to move back with parents as I have a terrible relationship with them.

Any thoughts to help ease the mind?



Kinda scared ngl

Boldin was recommended by someone on this sub for modeling retirement scenarios. I signed up for a free trial - it's a fun tool to play around with but I didn't find it worth keeping on subscription.

In order to cancel you have to email them and allow 48 hours for a response, and there is no way to delete your payment information from the website, only to save a new card. This is slimy since they are a tech company and completely capable of allowing users to cancel in the same way they signed up - by pressing a button. They don't send any email reminders of the duration or upcoming end of the trial, nor do they email you when your card is billed for an *annual subscription* at a cost of $120.

Obviously my bad that I forgot to cancel before the 14 day trial period ended, but incredibly stupid that you have to email the company to cancel, and that I can't delete my card information from their website. Be careful if you sign up for the free trial.

EDIT: To their great credit they offered to refund my subscription, though they had no obligation to do so. I am hopeful they will respond to feedback about changing their cancelation and billing process so customers aren’t locked into annual subscriptions.

Heads up that canceling Boldin is a pain in the butt

So I’m going to turn 40 next year, which is causing me some anxiety lately. It sounds old and yet I feel relatively young. I never really put anything into retirement, and instead prioritized paying off my house. I thought I would have time to “save” later. I did a lot of traveling and goofing off in my 20s, and spent a lot of money on collecting stuff like vintage comic books and baseball cards.

Currently I have no debt, 10k cash, 150k stocks, 10k 401k. House paid off (350), Newer paid off car (30), my collectibles worth maybe 30-40k. 

I make between 75-90k a year in sales, a job I don’t like with little hope of promotion/ raise in near future. 

I have tried cutting spending down, and now with no house or car payment my expenses are about 1500 a month (property taxes, utilities, HOA, healthcare, food).  

I should be able to save 3500-4000$ a month at the present. I’m a few years out of a long term relationship, I still hope to get married and have children although I realize that is increasingly unlikely.

Any advice on what I should be doing now? 






Almost 40, am I doomed?

throwaway account because personal details.

I grew up really poor with financially irresponsible immigrant parents in the states. My mother was a "small business owner" doing Amway and racking up credit card debt. My father worked as a gardener when my sibling and I were younger, but decided to enjoy a semi-retired life when he turned 55, working a part time job and traveling and snowboarding because that's what his peers were doing. They never learned the language and stayed in their immigrant community. The community was extremely predatory, making less educated folks buy high-premium life insurance saying "this is how the rich get rich", signing up people for mortgages that are out of their budget, signing each other up for different pyramid schemes...

When I was in high school, I was always always stressed about finances because I knew my parents were spending money that they didn't have. My mother would take flights to different cities every weekend for "business conferences" so that she could "grow her line" faster. The stress was further exacerbated when 2008 recession hit and my parents lost their house.  In college I took out student loans to help my parents. I gave them all the earnings from my internship to pay their credit card debt. When I got my first job, my parents took my signing bonus. For the first 2 years at my job, my parents constantly asked me for money. It was my mom that would make the phone calls, but I knew my dad was complicit, because he bragged about what a great job he had done in raising his child and how he had spent the signing bonus.  I stopped giving my parents my money only when my SO asked me about how much money I had saved up; I looked at my account and saw that I had 0 dollars in my bank account after working at my job for 2 years.

That sobered me up somewhat, and I stopped giving my parents money. I eventually cut my parents out of my life (because not only were they financially irresponsible, they were very abusive and neglectful as parents and some of my repressed memories came back.). But I had a bad relationship with money for a long time. I didn't invest it and held it in cash instead. I hated looking at it or thinking about it. I lost years of compound interest, but I eventually started learning, and reached a milestone this year. I was hoping to take a year off of work, and maybe switch to a less demanding career.

Last night my younger sister messaged me that our mom has breast cancer. I called my sister this morning, and she was sobbing. Mom's cancer had spread to her lymph nodes.  Apparently she had seen the lumps since the beginning of the year but was afraid to go to the hospital. She has not gotten a mammogram in the last 20 years (WTF?). My mom sent my sister a photo of her breast yesterday, and she yelled her to go to the emergency room. She got a CT scan, and they told her it was cancer with metastasis to lymph nodes. The only reason she was able to get the scan was because there happened to be a staff who could translate for her.  My sister is convinced that it is stage 3 cancer, but I'm prepared for it to be stage 4.

I'm angry at my mom for not getting any check ups and drinking overpriced Asian herbal juice instead. I'm angry at my dad because he got comprehensive health check up in the recent years (with colonoscopy and all that) but did not care to pay for the services for my mom.

Mom's oncology appointment is Monday and I will probably go with her. It will be the first time I see her in 3 years. It's strange... Now a practical side of me is thinking about what the cost of everything will be.   What would be the best way to get through this? Best way to finance this? My parents are low-income, and I would prefer for them to use whatever resources are available for people in their financial situation than for myself to pay out of pocket for people I have cut off from my life.

Edit 1: Thank you for all the comments. I'm getting involved to help, out of love for my sister.  She cares for my parents, and I don't want her to carry this burden alone. She is in the military and currently on assignment overseas. She will be coming back to the same city as my parents in August, and I want to take care of things until then.

Edit 2: My mother is 62 years old and is a permanent resident of the US of 10+ years.

Thought I was getting close to FIRE, but then cancer hits my family

I’ve been in the app (mobile Android ) developer role for a while now, and I can’t help but feel like it’s a career path with a short runway. After about 6–9 years in this role, is there really anywhere to go?

Let’s be real — it’s a simple job. You build screens, hook up APIs, and maybe add some animations or state handling here and there. But when it comes to core business logic, anything that actually requires deeper system thinking or architectural decisions — all of that is almost always at the backend (for good reasons).

And honestly, most app devs I’ve worked with don’t even try to go beyond that. Very little interest in performance optimization, state management patterns, or even understanding what happens behind the API. It’s mostly a UI plumbing job.

So I’m wondering — is this it? Do people just keep doing the same thing for 10–15 years until they’re replaced by younger devs who can do the same job for cheaper? Or is there a natural transition path (into BE, product, or something else) that actually makes sense?

Would love to hear from others who’ve been in the app dev track longer or made a pivot.


Is App Development a Dead-End After 6–9 Years?

Hey all,

Coming to this sub for strangers advice who may have more insight, wisdom etc than I.

I’m unfortunately contemplating divorcing my spouse. We are 27 and have been married almost 7 years. Sparing the more relational details (posted in another thread) I look back and feel as though I was naive and uncertain about the reality of marriage (I proposed when I was 19 after a year of dating) and unfortunately 8 years later I have found myself a very different person than my spouse, with different goals, ambitions, lifestyle desires etc. There’s some issues tossed in there with me feeling like I function to just make / keep her happy and some family issues as well.

In our marriage we’ve reached UHNW. I started a software business right before COVID that has given us a NW of 30m mostly all invested and a 400k house. The thought of cutting that in half makes me sick, but when we had 10m I still felt unhappy but divorce made me more sick for whatever reason. 

My business is all online and I can be extremely flexible (have a small team doing most of the work at this point). I want to do everything life has to offer, and my spouse just doesn’t. I have all the money at this point but am in a partnership that doesn’t want to really use it. I want experiences, travel, own a supercar, live abroad in different places for a month or two each year, get nice tickets to the big sporting events, run a marathon (she has discouraged me from this too even), I have another business idea I want to explore that she tells me not to bother because we have money already; when I share all this she says I’m being selfish and need to be more mature - she wants to stay home and start a family and just settle down.

I’m concerned that in 40 years I’m going to look back and know that I didn’t experience even a fraction of what life offers. But the fear of being single again, working mostly online, I’m worried I’ll end up alone and without any relationships, has me feeling trapped.

So I guess my questions: 

post divorce: what is your life like, how do you find a social setting, did you meet someone more compatible with you?

If you didn’t divorce; did things improve? Were you able to get over your own desires or do you have regrets?

Age wise: anyone under or mid thirties who can attest to what that life is like single, dating, having that freedom?

Divorce wise: what is the likely outcome of a divorce, financially? Assuming we’re split the money, she takes the house (I want to be on the go) what about my business? It’s an LLC and she has no involvement in it at all, she acts more to discourage me from putting time and effort into it than anything else.

I feel absurd writing all this up, but appreciate anyone’s input and advice and thoughts

 

UHNW Contemplating Divorce

# Raised a Ton of Money, Peaked on Day One

Four years ago, we raised a big round to build the **"Asian Roblox"** \- a UGC game platform for kids in Asia, starting from China.

It made sense back then. Roblox never really took off in China due to regulations and monetization issues. Meanwhile, we already had millions of creative kids on our platform from our coding education business. It felt like a solid idea.

**Little did we know, raising that round would mark the peak of our entire venture.**

With the money in hand, we were confident and hyped. We quickly grew our team to over 50 people and worked intensely on our game engine. We didn't give a single thought to how we'd actually make money - "If Roblox can do it, we can do it too, right?" We just had a big vision and the hype to go with it.

# Then Reality Hit

Later on, we came to painful realizations:

**1. Our game engine could never compete with mainstream ones**, yet it consumed massive resources and time to build. So, we pivoted to other ways to monetize our engine: **Web3 and the metaverse**. We figured our games weren't good enough for serious gamers, but maybe they'd be "just enough" for less quality-sensitive spaces like Web3 and the metaverse.

Little did we know that the NFT space was a total scam - a **Ponzi scheme** where people just wanted to cash out on you. The only reason we even gained traction was because we were backed by top VCs. We were basically cashing out on their names, and I felt bad about it.

**2. Our kid creators were simply not good at building commercial games** \- they were just building for fun. And we didn't know much about it either. So, we tried working with professional developers and studios. The problem was, our tool was too limited for them, and the potential return was too low since kids weren't really paying.

**The Inevitable End**

Two years later, there was no real business progress. The little money we made couldn't even cover our server costs or the refunds parents requested, let alone feed a team of 50+ people.

We tried to find other ways to make money, like building game development courses for kids. We later found out that Chinese parents primarily pay for things that are essential for academic advancement or school admission. Our courses didn't fit that "must-have" category.

Earlier this year, with our **bank balance dipping below the red line**, we shut down all business operations and let go most of the team. Sadly but thankfully, most of them are doing much better without us.

# Lessons Learned

* Some people look great on paper and are even better at storytelling, but they really **suck at building a business** \- my boss was the epitome of this. If you're not good at making business decisions, for the sake of the business, **don't sit in the boss's seat.**
* Figure out if you genuinely want to **build something great and solve a real problem**, or if you just want to be a **glamorous founder (spoiler: it's not)**. The reality of a startup is endless problem-solving, tough decisions, and lots of overnights and stress.
* **Think through your business model from day one.** The "scale first, make money later" era is over. Customer acquisition is expensive these days. If you can't make money from them, **scaling will only accelerate failure**.
* **Investor validation doesn't mean market validation.** We had a 50+ person team building something for years that never made money, all based on a bad business decision and a "yes" from investors. **Your true validators are your paying customers.**

With just a few people left and not much in the bank account, we're back to square one.

I'm not sure what to build next. I just know it has to be something related to AI - you can't miss that one. And we'll be **building in public to keep ourselves in check with reality.**

Edit: Ran through Gemini for clarity and readability as I am not English native. Would greatly appreciate your bearing with the structure and formating. Thank you all so much for your feedback, advice, and discussions.

Been quite an entrepreneurial failure - raised millions to build Asian Roblox, totally messed up

Hi all,

I rented a Thrifty rental back in September 2024. Car was fine, return after 2 days. Suddenly I got a charge from Thrifty on May 2025. No email, nothing. I found out about this charge when I checked my credit card statement.

I have been contacting them and they say there is nothing they can do because the rental is beyond 6 months so they can't pull any information about it. They can't even tell what type of fee this is.

I am frustrated and this is unacceptable. The car rental itself was in September 2024 and the extra charge is in May 2025. 8 months apart. So with this type of logic and policy they have. They can charge extra to any customers who had a rental with them 6 months ago and there is nothing they can do about it?

Could anyone advise me what should I do next step?

Thank you



Thrifty car rental bad practice

I’m posting this in r/Entrepreneur because this is about me wanting to build something of my own down the line. But if I’m falling apart inside how can I build something strong? I’m at a low point where I’m not even myself anymore. 

I’m 24 and ended up in a career that feels so misaligned with who I am and who I want to become. I didn’t grow up rich, had little guidance, and didn’t get the chance to experiment much. Constantly in survival mode. Ultimately I chose what would guarantee me a job after graduation. My family doesn’t get me, I can’t relate to peers who are okay with just clocking in and out for the rest of their lives. I dream of building. I feel out of place everyday and I don’t see myself going back to this career. This is not the life I want. It’s comical how different my life and environment is from the life I desire and think about everyday. 

I’m thinking of quitting to invest in myself. I’m not afraid of hard work, long hours, stress, when it matters. I’ve endured a lot of pain in my life. What I’m afraid of is wasting my life. I’ve been doing the self-work, but it’s constantly a 1 step forward 2 steps back situation. This job depletes my energy and creativity like no other. 

I have the emotional intelligence to be an entrepreneur and I want to build something that lasts, but honestly I feel quite unworldly and lack technical depth. I want to go back to school for engineering and learn more about business along the way. Engineering gives me the tools to understand how things work inside and out and build systems from scratch. That’s power. 

Am I wrong for wanting to quit to invest in myself first? This jobs is killing something in me. I would take almost 2 years off to do prereqs and become an interesting person again. I have 47k cad saved. What’s the point of all this if it costs me myself? 

Anyone else quit their job just to save themselves?

Daniel and Shawn step back for a mid-year review of the Intrinsic Value Portfolio, revisiting each holding to test the strength of their original theses and weigh what’s changed. From ride-hailing to beauty retail, this episode covers the full lineup: why Uber’s cross-sell flywheel and Waymo partnership reinforce its moat; how Alphabet’s latest earnings measure up against the growing threat of AI-native search; and why Reddit may succeed where Snapchat struggled, turning engagement into monetisation.  You’ll hear updates on Q1 earnings, commentary on management execution, and discussions on whether current valuations still offer upside or warrant trimming. They re-evaluate Airbnb’s evolving strategy as it expands into services and experiences, break down Ulta Beauty’s standout results, and revisit early convictions in new names like Nubank.  They also debate the long-term outlook for consumer brands like Nike. Along the way, they reflect on where they’ve been right, where they’ve been early, and how to think about sizing, patience, and risk-reward in a concentrated portfolio.  Prefer to watch? Click ⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠ to watch this episode on YouTube.  IN THIS EPISODE, YOU’LL LEARN 00:00 - Intro 03:14 - Why the Ulta Beauty position was being trimmed   17:47 - How Alphabet is holding up against AI competition   28:10 - Why Uber could benefit from autonomous vehicles   58:57 - How Airbnb overcomes regulatory hurdles and expands into experiences   1:06:17 - How Adobe used the AI revolution to strengthen its ecosystem   1:10:10 - Why Reddit might become more of a second Meta than a second Snapchat   1:20:46 - How Nike could overcome the recent headwinds   1:27:39 - Why initiating a position in Nubank is worth the risks    *Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences.  BOOKS AND RESOURCES    Get smarter about valuing businesses in just a few minutes each week through our newsletter, ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Intrinsic Value Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠.   Sign Up for ⁠⁠⁠⁠The Intrinsic Value Community.⁠⁠⁠    Ulta Beauty: Check out the Podcast and Newsletter.   Alphabet: Check the Podcast & Newsletter.   Airbnb: Check the Podcast & Newsletter.   Adobe: Check the Podcast & Newsletter.   Reddit: Check the Podcast & Newsletter.   Uber: Check the Podcast & Newsletter.   Nike: Check the Podcast & Newsletter.   Explore our previous Intrinsic Value breakdowns: ⁠⁠⁠⁠⁠⁠⁠⁠⁠Nintendo⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠Airbnb⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠AutoZone⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠Alphabet⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠Ulta⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠John Deere⁠⁠⁠⁠⁠⁠⁠⁠⁠, and ⁠⁠⁠⁠⁠⁠⁠⁠⁠Madison Square Garden Sports⁠⁠⁠⁠⁠⁠⁠⁠⁠.   Check out the books mentioned in the podcast ⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠.   Enjoy ad-free episodes when you subscribe to our ⁠⁠⁠⁠⁠⁠⁠⁠⁠Premium Feed⁠⁠⁠⁠⁠⁠⁠⁠⁠.   NEW TO THE SHOW?    Follow our official social media accounts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠X (Twitter)⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠.   Browse through all our episodes (complete with transcripts) ⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠.   Try Shawn's favorite tool for picking stock winners and managing our portfolios: ⁠⁠⁠⁠⁠⁠⁠⁠⁠TIP Finance⁠⁠⁠⁠⁠⁠⁠⁠⁠.   Enjoy exclusive perks from our ⁠⁠⁠⁠⁠⁠⁠⁠⁠favorite Apps and Services⁠⁠⁠⁠⁠⁠⁠⁠⁠.   Learn how to better start, manage, and grow your business with the ⁠⁠⁠⁠⁠⁠⁠⁠⁠best business podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠.   SPONSORS Support our free podcast by supporting our ⁠⁠⁠sponsors⁠⁠⁠:        • ⁠Airbnb  Connect with Shawn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠Email⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with Daniel: ⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠Email⁠⁠⁠⁠⁠⁠⁠⁠⁠  HELP US OUT! Help us reach new listeners by leaving us a ⁠⁠⁠⁠⁠⁠⁠⁠⁠rating and review⁠⁠⁠⁠⁠⁠⁠⁠⁠ on ⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠! It takes less than 30 seconds and really helps our show grow, which allows us to bring on even better guests for you all! Thank you – we really appreciate it!  Learn more about your ad choices. Visit megaphone.fm/adchoicesSupport our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm

Daniel and Shawn step back for a mid-year review of the Intrinsic Value Portfolio, revisiting each holding to test the strength of their original theses and weigh what’s changed. From ride-hailing to beauty retail, this episode covers the full lineup: why Uber’s cross-sell flywheel and Waymo partnership reinforce its moat; how Alphabet’s latest earnings measure up against the growing threat of AI-native search; and why Reddit may succeed where Snapchat struggled, turning engagement into monetisation. You’ll hear updates on Q1 earnings, commentary on management execution, and discussions on whether current valuations still offer upside or warrant trimming. They re-evaluate Airbnb’s evolving strategy as it expands into services and experiences, break down Ulta Beauty’s standout results, and revisit early convictions in new names like Nubank. They also debate the long-term outlook for consumer brands like Nike. Along the way, they reflect on where they’ve been right, where they’ve been early, and how to think about sizing, patience, and risk-reward in a concentrated portfolio. Prefer to watch? Click <a href="https://youtu.be/paP_y7Ro8O0" rel="nofollow">⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠</a>⁠⁠⁠⁠⁠⁠⁠⁠ to watch this episode on YouTube. IN THIS EPISODE, YOU’LL LEARN 00:00 - Intro 03:14 - Why the Ulta Beauty position was being trimmed 17:47 - How Alphabet is holding up against AI competition 28:10 - Why Uber could benefit from autonomous vehicles 58:57 - How Airbnb overcomes regulatory hurdles and expands into experiences 1:06:17 - How Adobe used the AI revolution to strengthen its ecosystem 1:10:10 - Why Reddit might become more of a second Meta than a second Snapchat 1:20:46 - How Nike could overcome the recent headwinds 1:27:39 - Why initiating a position in Nubank is worth the risks *Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences. BOOKS AND RESOURCES <ul><li>Get smarter about valuing businesses in just a few minutes each week through our newsletter, <a href="https://www.theinvestorspodcast.com/newsletters/" rel="nofollow">⁠⁠⁠⁠⁠⁠⁠⁠⁠The Intrinsic Value Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li><li>Sign Up for ⁠⁠⁠⁠The Intrinsic Value Community.⁠⁠⁠ </li><li>Ulta Beauty: Check out the <a href="https://www.theinvestorspodcast.com/intrinsic-value-podcast/ulta-beauty-a-beautiful-compounder-w-shawn-omalley/" rel="nofollow">Podcast</a> and <a href="https://intrinsicvalue.beehiiv.com/p/ulta" rel="nofollow">Newsletter</a>.</li><li>Alphabet: Check the <a href="https://www.theinvestorspodcast.com/intrinsic-value-podcast/alphabet-googl-searching-for-quality-w-shawn-omalley/" rel="nofollow">Podcast</a> &amp; <a href="https://intrinsicvalue.beehiiv.com/p/googl" rel="nofollow">Newsletter</a>.</li><li>Airbnb: Check the <a href="https://www.theinvestorspodcast.com/intrinsic-value-podcast/airbnb-abnb-a-silicon-valley-gem-w-shawn-omalley/" rel="nofollow">Podcast</a> &amp; <a href="https://intrinsicvalue.beehiiv.com/p/abnb" rel="nofollow">Newsletter</a>.</li><li>Adobe: Check the<a href="https://www.theinvestorspodcast.com/intrinsic-value-podcast/adobe-designing-a-creative-empire-w-shawn-omalley-daniel-mahncke/" rel="nofollow"> Podcast</a> &amp; <a href="https://intrinsicvalue.beehiiv.com/p/adbe" rel="nofollow">Newsletter</a>.</li><li>Reddit: Check the <a href="https://www.theinvestorspodcast.com/intrinsic-value-podcast/reddit-rddt-valuing-the-front-page-of-the-internet-w-shawn-omalley-daniel-mahnke/" rel="nofollow">Podcast</a> &amp; <a href="https://intrinsicvalue.beehiiv.com/p/rddt" rel="nofollow">Newsletter</a>.</li><li>Uber: Check the <a href="https://www.theinvestorspodcast.com/intrinsic-value-podcast/uber-cash-burner-to-compounder-w-shawn-omalley-and-daniel-mahnke/" rel="nofollow">Podcast</a> &amp; <a href="https://intrinsicvalue.beehiiv.com/p/uber" rel="nofollow">Newsletter</a>.</li><li>Nike: Check the <a href="https://www.theinvestorspodcast.com/intrinsic-value-podcast/nike-nke-just-buy-it-w-daniel-mahncke-and-shawn-omalley/" rel="nofollow">Podcast</a> &amp; <a href="https://intrinsicvalue.beehiiv.com/p/nike-just-buy-it" rel="nofollow">Newsletter</a>.</li><li>Explore our previous Intrinsic Value breakdowns: <a href="https://intrinsicvalue.beehiiv.com/p/ntdoy" rel="nofollow">⁠⁠⁠⁠⁠⁠⁠⁠⁠Nintendo⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>, <a href="https://intrinsicvalue.beehiiv.com/p/abnb" rel="nofollow">⁠⁠⁠⁠⁠⁠⁠⁠⁠Airbnb⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>, <a href="https://www.theinvestorspodcast.com/intrinsic-value/autozone-azo/" rel="nofollow">⁠⁠⁠⁠⁠⁠⁠⁠⁠AutoZone⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>, <a href="https://www.theinvestorspodcast.com/intrinsic-value/alphabet-googl/" rel="nofollow">⁠⁠⁠⁠⁠⁠⁠⁠⁠Alphabet⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>, <a href="https://www.theinvestorspodcast.com/intrinsic-value/ulta-beauty-ulta/" rel="nofollow">⁠⁠⁠⁠⁠⁠⁠⁠⁠Ulta⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>, <a href="https://www.theinvestorspodcast.com/intrinsic-value/john-deere-de/" rel="nofollow">⁠⁠⁠⁠⁠⁠⁠⁠⁠John Deere⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>, and <a href="https://www.theinvestorspodcast.com/intrinsic-value/madison-square-garden-sports-corp-msgs/" rel="nofollow">⁠⁠⁠⁠⁠⁠⁠⁠⁠Madison Square Garden Sports⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li><li>Check out the books mentioned in the podcast <a href="https://prodcast.io/mi" rel="nofollow">⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li><li>Enjoy ad-free episodes when you subscribe to our <a href="https://premium.theinvestorspodcast.com/" rel="nofollow">⁠⁠⁠⁠⁠⁠⁠⁠⁠Premium Feed⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li></ul> NEW TO THE SHOW? 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TIVP026: The Intrinsic Value Portfolio: Mid-Year Review w/ Daniel Mahncke & Shawn O’Malley

In Part 5 of our SWR Toolbox series, we answer your questions about our CAPE-based withdrawal strategy, how it compares to a fixed safe withdrawal rate approach, and much more. See the link below for all of our toolbox videos including tutorials and a host of supportive content in the show notes. FREE SWR tool and show notes: https://twosidesoffi.com/toolbox

In Part 5 of our SWR Toolbox series, we answer your questions about our CAPE-based withdrawal strategy, how it compares to a fixed safe withdrawal rate approach, and much more. See the link below for all of our toolbox videos including tutorials and a host of supportive content in the show notes. FREE SWR tool and show notes: <a href="https://twosidesoffi.com/toolbox" rel="nofollow">https://twosidesoffi.com/toolbox</a>

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