These are just ice breaker conversations. Just talk about you used to do for work and keep the conversation going. Strangers don't actually care at all they are just trying to get to know you.

Have you thought about getting a degree to get work you find more meaningful?

Hot take: you have more skills than half the people posting here with degrees. Marketing, sales, project management, and content for one employer for 9 years at $120k is a real stack. The problem is you can't see it because it all feels like "just my job." Write down the 10 hardest things you pulled off at work, with numbers attached. That's your resume, and it's worth more than a cert.

On the AI worry: your edge isn't the content, it's the client relationships and the judgment of what sells. Lean into the sales and PM side, those are the last things that get automated.

If you want insurance while you're employed, PMP or Salesforce admin are the two certs that actually move hiring numbers at your level. Pick whichever is closer to what you already do.

Sometimes they're hiding informations about the company, attempting a scam or are just selling at the company's peak right before it's inevitable decline, no one but the owner can tell before the sale...

Have you contributed at least $10K? If so, you won't be taxed or penalized at all (you can always withdraw your contributions without consequences). Gains would be taxed at your ordinary income rate, plus another 10% if you're under 59.5 years old. If your standard deduction covers all taxes due, then you might not owe anything (though don't forget state taxes).

We've always just said we're retired.  If someone is curious to know how or wants to talk shop, then I'm fine with that, but most aren't.  I don't have any inclination to spend energy lying or trying to manage what other people's emotions might be and my wife simply doesn't care what anyone else thinks.

The good news is that the vast majority of people are so focused on their own lives that they only ask as routine social lubricant.  Almost nobody actually cares and the few that do are usually quite pleasant about it.

As a rule, bonds don't crash out in a bear market or a recession.

The sooner you'll need your money to live on, the more important it is that you don't lose half your portfolio six months before you plan to start living on it.

So the closer you get to retirement, the more important it is not to eat a huge loss that you won't have the opportunity to make back (because you need to pull the money out of your portfolio and put it in your checkbook). Bonds are a cushion against that.

But if you're 30 years from retirement, then you probably don't need many or any bonds in your portfolio.

TL;DR: SORR

For 0 YOE? University hiring pipelines. Look for internships, new-grad roles, rotational programs, "development" programs, etc.

If you already lost the intern/current\_student/New-Grad shine. You're on your own. Companies will say "entry-level"  with a 0-3 YOE range, but will lean towards the 2 years+ applicants, not b/c they have 2 YOE+, but more so b/c they'll say or imply they have pushed stuff to production.

So I guess, my advice, if you already lost your new grad shine, is to focus on building full end-to-end projects and pipelines.

You have the luxury of choice so start with what do you actually want to do? 

Some people are builders and some people are operators. They usually aren't the same type of people and so it's not really weird that someone who is great at taking an idea and proving it can work and be profitable has no interest in the more mundane, and to them boring, part of just doing things more efficiently at scale.

Often times, if a builder is going to stay in the business they need to bring in that operator so they can keep focusing on the innovation and things they care about. I've seen it pretty often though they simply just view the challenge of seeing what is possible as the part they care about.

Before FIRE seems real, most people cope with the day to day grind by just accepting it as unavoidable and inevitable. You don't like it, but there's no alternative.

When FIRE is right on the horizon that begrudging acceptance fades away and you realize there is a way out... but you're not there *yet* and that's frustrating in a whole different way.

Now, I will say **my** last few years of work before retiring were an improvement, but only because I switched to a way easier job where I could work from home. If I were still in one of my previous jobs I would have been losing my mind.

Oh hey, this isn’t a small problem to have all. It’s about identity. Now you know your identity isn’t just about your job but if you feel stagnant and unhappy about it, it’s good to explore what else you might want to do with your life. 

If you don’t go down the path of something else right now, it’s also okay to realize some seasons of your life are less sexy than others. Bedding to be home early is a real obstacle but won’t last forever. You can use some time now to figure out what next steps might look like. 

The thing to understand with a Roth IRA is that withdrawing $10k does not automatically mean you have $10k of taxable income.

Roth IRA withdrawals follow an ordering rule. Your original contributions come out first, and those can generally be withdrawn at any time, for any reason, completely tax and penalty free.

For example, if you’ve put $30k of your own money into the Roth over the years and the account is now worth $40k, you can take out that $30k and there’s generally no tax or 10% penalty. The IRS considers that $10k to be a return of your contributions, not investment earnings.

The situation is different if you’ve already withdrawn all of your original contributions and the $10k is coming from earnings. Then the tax/10% early withdrawal rules can potentially apply.

So the first question I’d answer before doing anything is: How much have you contributed to the Roth over the years, and how much have you already withdrawn? If you have at least $10k of remaining contributions, your $5k of income this year is basically irrelevant to the $10k withdrawal.

Don't confuse the Roth withdrawal rules with your normal income tax bracket. Having only $5k of income might mean you owe little or no regular federal income tax, but it doesn't automatically eliminate the 10% early withdrawal penalty if you take out taxable Roth earnings.

Congrats, I think 2yoe is an awkward spot to be in(I was also 2yoe job searching like crazy), so that is huuuge 

In the meantime live like you make $80k and invest aggressively 

I did a semester long research project during my undergrad and that's all the CS experience I had to put on my resume. I knew it wasn't enough and with the internships drying up I tried my best to meet recruiters irl. So I basically learned how to talk to recruiters professionally and put myself out there.

Eventually one stuck along and I got through the first round of interview then second and then third and landed the job.

I know people with way more experience than me who would kill for an opportunity like this, but I like to believe that I got immensely lucky with a touch of hardwork.

I have a somewhat similar situation where I can claim to be fatfire by state of mind and earned right - but not in household practice. I am done - wound it down for several years then full shutdown Dec 31, 2025.

My wife however is a corp exec and has no intention of retiring, she doesn’t care that we have what we need.

Most people who ask that what do you do question around me - are really just using it to lead in to telling me they are a VC, professor, or that they were the lead lawyer on a major tech deal etc. They don’t actually care what I do. And I don’t resent them talking about it - they have worked hard for that status and have expertise, and it’s just a comfortable subject matter for them.

One way to break it in is just respond “nothing”. It’s attention grabbing and funny. And then build any true narrative you choose from there, rather than trying to answer the question working backwards - to insecurely dodge it, hedge by saying you may go back to work, or make something up.

Got a role defense adjacent that required drug test. Sucked but second job is much better

any senior openings in that company please? laid off and looking

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My wife and I have a unique situation. We work together for a non-profit. Our salary is extremely low ($20k each), but the vast majority of our other expenses (home, food, vehicle, gas, insurance, kids current secondary and future college education) are provided, but not counted as taxable income. We are also completely free of debt. Our primary expense is actually personal travel when we are on vacation.

We currently have the proceeds of the sale of our last home (about $300k) invested in index funds in a taxable account. Because of our low income, any realized capital gains are tax free. I have been adding $300/week into this account for the last year or so.

Here's my question: what would happen if we invested almost all (we can actually invest 99%) of our salary into our company's Roth 401k? For living expenses, we would systematically sell the necessary amount (maybe $2000/month) out of the taxable account. This would allow the maximum amount to grow tax free for when we distribute at retirement. We would also sell a chunk each year to fully fund our Roth IRAs.

I'm the older of the two of us, at 46. My goal is to be with this organization for the next 10 years or so. After that, we would need to find a new home and potentially new jobs.

Is there anything I'm missing? What's the danger in this plan?

EDIT: For those wondering, we are house parents at a home for abused, abandoned, neglected, and orphaned girls. Our expenses are provided as part of the care of our home (food to feed the girls, a vehicle and gas to drive them around, etc.)

EDIT: One concern would be with the possible desire to buy a house cash when we move out of our current situation.

Should I contribute my whole salary to my 401k?

I am financing through navy fed. I have a check ready. Yet Toyota Dealership sales guy is asking me to fill out a financing application to "verify my identity " 

He texted me

"We do not submit it to any lenders because you are pre approved with Navy fed. It is a simple inquiry to make sure you are not on a "do not sell" list due to all of the fraud that is out there. The only way to not have credit ran is with straight cash or a cashiers check which is basically cash" 

am I dumb if I walk away? 
UPDATE ******* THANK YOU EVERYONE. I stood my ground. He ended up saying it was the dealerships policy and he was very passive aggressive threated not to sell me the car. I was ready to walk and he said, " well let me talk to my management." Turns out it wasn’t needed, finance guy cleared everything with Navy Fed and I purchased the vehicle!  He had openly told me they would NOT beat my 4% with Navy fed. So no, it was not necessary. 

Auto loan, why does the dealership want to run my credit?.

23F here, 1 year postgrad, currently making 80k base (90k total) at a small to midsize finance firm as a financial analyst. Since the company is so small, there is no room for upward growth since everyone in those positions has been there for many years. The work does not interest me, and I am emotionally checked out. I went to college for healthcare and analytics, and have been trying to move back into the industry but it is very difficult with the uncertainty across the healthcare field right now. 

I was able to connect with someone at my dream company, a large non-profit hospital chain, where I have been applying for a while. He is building a team there, and offered me an interview. He is an expert in the field, and we hit it off really well. He would be one level above my manager. The salary range in the posting was something like 75-95k. I talked to HR before the interviews, and they said it would be on the lower end of 85-90k for me, which I was okay with. I went through 5 interviews over a month, and was finally offered the position verbally. He said that unfortunately they only approved 80k, non-negotiable. Since that is still what I currently make, and it is my dream job at an amazing company, I was still okay to accept it. Over the last week, I have been waiting for the offer letter and wasn't sure about why it was taking so long. 

Yesterday, he called me and said that when he put in the request to HR to extend an offer to me, they said that due to some factors (like experience, "salary bands", etc.), the maximum allowed for that position is 70k. When he called, he was obviously very upset, and said he tried to take it all the way up the chain, but they were firm on that being the maximum because of policy. He even told me he tried to have it deducted from his own salary lol (he is truly great and I would be honored to work with him). He also said if I rejected it, which he totally understands, he would do his best to get me interviews for other positions at the company or use his network for previous places of employment. I was obviously extremely caught off guard and emotional, as this was one of the most exciting things to happen to me and it feels like my balloon has been deflated. I feel very played and disrespected by the whole process, but the people I would be working with have been amazing throughout this whole mess.

I am not struggling financially, and I know that I am lucky to make even 70k at my age. I have no expenses except for rent basically. I come from a family that is extremely focused on money, so it is hard to feel like this isn't a huge setback in my career. While the monetary part is difficult for me to wrap my head around, I know I would gain valuable experience from this job and finally be able to work on something I feel passionate about. It is also much easier to move around internally with the company than to try and apply externally, so I am lucky to even be offered this role (there were 500 applicants in less than 2 days of the posting).

Should I take a lower salary than I currently make for my dream job at an amazing company (this unfortunate experience with HR set aside)?

Dream job written offer is lower than posted range and verbal offer. Lower than current salary. Should I accept?

I’ve been at the same company for about 4 years and somehow became the person who knows basically everything about this ancient internal system we still use.

At first it was great because people relied on me and I got pulled into a lot of important stuff. Now I think it’s actually hurting me.

I applied for an internal role recently that would’ve been a pretty natural step up. My manager basically told me afterward that moving me would be difficult because nobody else on the team knows the system well enough to take over what I do. He meant it as a compliment but it really annoyed me.

I’ve trained two people on parts of it already, but whenever something complicated breaks it still comes back to me.

Now I have an external offer for a little bit over the same pay doing newer stuff that would probably be better experience long term. I also have savings so I’m not really making the decision based on an immediate paycheck increase.

Would you take a lateral move just to escape being the “indispensable” person, or am I throwing away a lot of leverage by leaving?

I think being the only person who knows our old system has accidentally trapped me in my job?

All I've seen it do is raise the baseline for what I'm expected to do.. I can somehow generate tests and documentation faster yet my job's not easier..? I'd argue my workload is higher than pre-AI.

Why isn't AI Making SWE Easier?

I constantly see the advice that if you have a debt with a low APR (under 3-4%), you shouldn't pay a cent more than the minimum because investing the difference yields higher returns long-term.

The math makes complete sense on paper, but how many people actually end up investing that extra cash in practice? If someone isn't going to follow through with investing the difference, aren't they better off just throwing it at the low APR loan anyway?

Honestly, if I budgeted $500/m for a car payment and landed $350/m, I’d just absorb that extra $150 back into my daily budget.

Do people actually invest the difference?

I'm using AI for most of my coding at work now since when validated the quality is often good enough. The question is, how will I look for a new job in the future?

I do feel my coding skills are stagnating/decreasing but tight deadlines and AI enhancement expectations make it very hard to justify coding by hand at my company. I feel I might struggle to pass coding interviews later on.

Any one else have similar feelings or input?

Are modern software developers sacrificing their employability by using AI?

I know in *theory* the idea is: you have a medical expense. Instead of paying from HSA now, you pay out of pocket and save the receipt to reimburse from your HSA later, allowing the HSA funds to grow tax free.

But does this actually work in *practice*? What if you try to reimburse the expense decades later, but the IRS audits you, and the doctor whose charge you're reimbursing has already stopped practicing and there's no paper trail?

Is delaying HSA reimbursement actually a good idea in practice?

I’m currently weighing two options and would appreciate some perspective.

​My current employer countered with $120k and a fully remote arrangement. While I appreciate that they value me, taking their offer feels like I'd be locking myself in for another year or two out of obligation so I don't burn a bridge.

​On the other hand, BMO is offering $140k base, a $5k signing bonus, a higher bonus target (17% vs 12%), plus a pension, employee stock plan, and better overall benefits. The trade-off is a 40–45 minute express train commute each way, though I live just 5 minutes from the station.

​Overall, the BMO package is significantly better long-term. I’m leaning toward accepting BMO, but I’d love to hear thoughts from anyone who has navigated a similar counteroffer decision

Leaving a fully remote job making 107k for 3 day hybrid 140k. Am I making the right choice?

I really hate nursing, and lately I’ve been feeling like an imposter. I currently make around $8,000–$10,000 a month through travel nursing, so I’m grateful for the income, but I’m unhappy and genuinely want out.  
Has anyone successfully left nursing and found another career or business that pays a similar amount without having to go back to school? I’m open to using my nursing experience in a nonclinical role, but I’m also open to completely different career paths, businesses, or other income ideas.  
I know I may not earn the same amount immediately, but I’d love to hear realistic suggestions from people who have made a similar transition. I’m open to all ideas.

Travel nurse making $8K–$10K a month, but I hate nursing—what else can I do?

Been unemployed all year maybe made 5k. Learning new skills at home. I had money saved, don’t worry but no actual income. My question is if i withdraw 10k from my RothIRA will i be taxed nothing because i don’t make enough to be taxed this year?

Please any follow up Questions.

Unemployed all year, Withdraw 10k from RothIRA.. what am i taxed?

I keep seeing listings like:

\- profitable for 2+ years  
\- low expenses  
\- growing revenue  
\- owner only works a few hours a week

And then...selling for $60k.

My first thought is always: if it's really that good, why sell it? For anyone here who's sold a profitable business, what was the real reason you wanted out?

Why do people sell startups that are already making decent money?

Follow up from an earlier post contemplating retiring.  Sharing latest numbers and learnings after pulling the trigger.   Comments and advice welcome. 

Prior post:

https://www.reddit.com/r/fatFIRE/s/T9uu3OBaOq

Numbers:

Thanks to a continued bull market, our wealth continued to grow.   

Net worth $9.2M liquid  
Taxable/Roth: $5M  
401k/IRA: $3.7M  
529: $475k  
No debt and $1.5M house all equity

Income: wife still makes $400k/yr and is happy doing it for a while.  

Current Spend:  
$240k / yr w/o tax and medical insurance 

Future spend:  
Assume $50k for aca and $40k taxes  
Total future spend: $330k w/medical and tax

My experience / learnings:

\- in a lot of ways, it’s glorious, I have time to do projects I want, take my kids to school, work out, see friends.   From that perspective what’s not to like?

\- my wife expects to shift most domestic work to me (I already did a bit) and it’s more boring and unglamorous than I expected.

\- the “what do you do” awkwardness is real for me and often awkward for me.   I’ve been going with “in between things” and “sabbatical” most of the time.   

\- I have former colleagues who have reached out with “the perfect job for me” and couple of times and it’s sooo tempting to go work and win on a team again.   I have to remember that I just took my kids to school and that would be the end of that.  But the money and the recognition is tempting.  And it would rid me of any feelings of being unproductive in the world.  

So overall not looking to change anything at this point but it’s been nuanced!

That’s it for now.   Happy to hear from others on the journey.  

Pulled the trigger - early learnings

2YoE. This job market is hell, but I finally got a job offer, and for an intermediate position no less!

All it took was one company letting me showcase my skills, not via leetcode but via doing the exact same work I'll be doing in the job.

Crazy how that works, huh?

1.5 years later I finally got a job offer... How I got it, is f****** insane...

I notice a trend in this and other subs and wanted to check my conclusion. I notice that people who are 2-4 years away from FIRE seem to experience very high amounts of job dissatisfaction. 

Is it just latent dissatisfaction manifestation because they see the light at the end of the tunnel? Is it the fact thay they now effectively have FU money?

Ratio of job dissatisfaction to FIRE %

You are in your 30s/40s and have achieved financial independence.  In a social setting, when talking to a group of strangers about what you do, what are some good ways to keep the conversation civil? If I say I'm retired, it can sound arrogant or invite awkward follow-ups. If I say I am between jobs or unemployed, it feels disingenuous.

How do you frame what you do in casual conversation or social settings without coming across as cocky? What terms or pivots do you use?

How do you describe your 'job' to strangers without sounding pretentious?

I’m 36 and have what I would consider a decent career. I make around $120k and got into this career completely by chance, and worked my ass off for 9 years at the same company to get where I am.

I never finished high school, never finished college/university, and have no real skills or qualifications. Sure, I can bullshit, I can talk to people, and I’m really good with computers and understand basic programming, but other than that I honestly feel like I don’t know much.

I currently do marketing, sales, project management, and content development for a media publisher. I feel like our jobs are slowly dying because of AI, and our company is also shifting toward becoming more of an ad publisher and moving away from content.

If I lose this job, I honestly don’t know what I would do, where I would go, or how I would recover. I don’t think I could ever work my way back to this salary, and if I lose my job, I’d most likely lose everything I own.

Is there any shift I can start making now to prepare myself for the worst-case scenario? Is there anything I could learn or any certifications I could get that could realistically help me land a decent job if I end up losing this one?

I’m trying to prepare now while I still have the opportunity rather than wait until I’m suddenly unemployed and have no idea what to do.

I have no skills, if I lose my job I am toast. What do I do?

This is gonna sound so entitled but here it is;

As a family we make 100k, i work 2-3 days a week and my partner works full time.

Bought our home in 2016 it's almost paid off and current mortgage is 1.1k a month. So we easily afford it. 

My dad died in 2018 and we inherited a big sum(not like can retire at 30 sum but will fully fund our retirements)

We haven't touched that money were letting the market make it grow.  

Before the inheritance we were also big savers and had 0 debt.

Had kids and was a stay at home mom for 4 years, I loved it.

Now I've been back at work over 2 years for 2/3 days a week making 25-35$ an hour(depends on commission) 

Our kids school gets out Hella early at 2.30pm

Im so bored of my job, im in the customer/beauty field. And there is no way to make more $$ at my current employer. I only have a high school diploma.

Im just... bored.  I feel incredibly lucky with my life but I feel stuck because no job would hire me for 30$ an hour just with a high school diploma, and since school finishes so damn early I can't even provide good hours to a new potential employer 

I technically dont have to work since our monthly payments are low, I work just to say i help with the household but when i see my paychecks compared to what we make monthly from investing I'm like... why am I even working if I dont love my job, but when I don't work and the kids are at school all day I feel useless.

Im debating so many options and my mind just goes in circles all the time, do I do charity work instead? Would that be more fulfilling ? Do I quit and be like a barista making less but maybe ill like it more? Go back to school? I have no idea

Again I'm super grateful for my life and this is such a small problem to have

Anyone not HAVE to work? 35F Former SAHM feeling stuck

I've been 100% two index stocks my whole life.

Approaching fire and I got a lump sum of $ from a real estate sale.

So bought some bonds. VGIT 

It says 30 day yield is 4.66% 

But value of fund is down 4.36% ytd

I'm posting this IN FIRE specifically instead of bogleheads because we are relying on returns to survive and not work

I'm really not getting the point of this. I'm gonna make.nothing so that when there's a crash I can use some of that while I wait for a rebound? But meanwhile stocks going up up down up up down >> bonds 0 0 2 5 0. Etc

I get it's not linear and I get withdrawing a lot of stocks when low is disaster. I get stocks are very high and bonds are low. This is feeling like a very expensive unnecessary insurance premium against a HUGE stock drop.

Can someone explain to me why I have bonds?

people here that got a job with 0 yoe, how did you do it and what's the most optimized way to apply to jobs without wasting time? tell me your mistakes from your journey.



are they actually hiring people with 0 YOE?

#752: A caller's rental is performing fine, but a late-paying tenant and a roof replacement have her ready to sell it before she moves to Madrid for her MBA. Paula argues the real fix isn't selling — it's a hire she hasn't made yet.  This week, Joe joins Paula to help a caller decide whether to sell a rental property from abroad, then dig into new data on why women's labor force participation dropped in July while their share of new jobs surged in August.  In this episode, we discuss:     How to tell if you're making the right call for the wrong reason      Why a new roof or a set of windows can be a form of forced investing      The one hire that can solve the same problem as selling your rental      A simple way to estimate a rental property's real return      What to weigh before selling a working investment on gut feel alone      Why women's labor force participation fell in July even as their job gains led the year      Why the trades are becoming a stronger bet than a four-year degree for some new grads     This one's for anyone facing a big financial decision that feels more emotional than mathematical — whether that's a rental property, a career move, or a job you're not sure is worth keeping.  ⏱️ TIMESTAMPS   Note: Timestamps may vary slightly depending on dynamic ad placements.   (01:45) Why she wants to sell a rental that's "objectively good"  (03:25) When it's actually okay to sell a good investment  (10:03) One hire that stops panic-selling a rental property  (14:44) The simple math to compare rental returns vs. stocks  (17:31) Paula's own confession about hating her first rental property  (22:22) Why doing what you're best at beats doing everything yourself  (30:11) 100% of last month's labor force drop was women  (31:54) The real reasons women are leaving the workforce right now  (32:18) Why women got 85% of new jobs created this year  (47:00) The industry that could fix jobs and housing at once    🔗 RESOURCES MENTIONED  👉 Torn on selling a rental? Get our free 10-day guide, which includes a deal-analysis exercise to help you decide with the numbers, not just your gut: https://affordanything.com/fiire   👉 Sign up for our newsletter (get the new site first): https://affordanything.com/newsletter   👉 Leave us a voicemail with your own money question: https://affordanything.com/voicemail   👉 Read the BLS jobs report Paula cites in this episode: https://www.bls.gov/news.release/empsit.nr0.htm   Learn more about your ad choices. Visit podcastchoices.com/adchoices

#752: A caller&#39;s rental is performing fine, but a late-paying tenant and a roof replacement have her ready to sell it before she moves to Madrid for her MBA. Paula argues the real fix isn&#39;t selling — it&#39;s a hire she hasn&#39;t made yet.
This week, Joe joins Paula to help a caller decide whether to sell a rental property from abroad, then dig into new data on why women&#39;s labor force participation dropped in July while their share of new jobs surged in August.
In this episode, we discuss:
<ul><li>How to tell if you&#39;re making the right call for the wrong reason
</li><li>Why a new roof or a set of windows can be a form of forced investing
</li><li>The one hire that can solve the same problem as selling your rental
</li><li>A simple way to estimate a rental property&#39;s real return
</li><li>What to weigh before selling a working investment on gut feel alone
</li><li>Why women&#39;s labor force participation fell in July even as their job gains led the year
</li><li>Why the trades are becoming a stronger bet than a four-year degree for some new grads
</li></ul>
This one&#39;s for anyone facing a big financial decision that feels more emotional than mathematical — whether that&#39;s a rental property, a career move, or a job you&#39;re not sure is worth keeping.
 ⏱️ TIMESTAMPS 
Note: Timestamps may vary slightly depending on dynamic ad placements. 
(01:45) Why she wants to sell a rental that&#39;s &#34;objectively good&#34;
(03:25) When it&#39;s actually okay to sell a good investment
(10:03) One hire that stops panic-selling a rental property
(14:44) The simple math to compare rental returns vs. stocks
(17:31) Paula&#39;s own confession about hating her first rental property
(22:22) Why doing what you&#39;re best at beats doing everything yourself
(30:11) 100% of last month&#39;s labor force drop was women
(31:54) The real reasons women are leaving the workforce right now
(32:18) Why women got 85% of new jobs created this year
(47:00) The industry that could fix jobs and housing at once
 
&#x1f517; RESOURCES MENTIONED
&#x1f449; Torn on selling a rental? Get our free 10-day guide, which includes a deal-analysis exercise to help you decide with the numbers, not just your gut:<a href="https://affordanything.com/fiire" rel="nofollow"> https://affordanything.com/fiire</a>
 &#x1f449; Sign up for our newsletter (get the new site first):<a href="https://affordanything.com/newsletter" rel="nofollow"> https://affordanything.com/newsletter</a> 
&#x1f449; Leave us a voicemail with your own money question:<a href="https://affordanything.com/voicemail" rel="nofollow"> https://affordanything.com/voicemail</a>
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Q&A: I’m Tired of Managing My Rental Property. Should I Sell It?

The way that most people think about their money and life is keeping them from getting more out of both.And as we’ve talked about over the last three episodes, it’s the scarcity mindset that’s holding people back.In this final episode of our four-part series on the scarcity mindset, we're turning the conversation around. If scarcity makes you feel like there isn't enough and that you need to constantly react, what is the alternative?Well, it’s called the abundance mindset.But abundance isn't about repeating mantras every morning. It's about taking action to take back control so that you can make better financial decisions.If you want to break free from the scarcity mindset so that you can stop feeling behind and at the mercy of the news cycle, this is for you.0:00 – Intro.0:48 – How media fear is used to control your behavior.4:56 – How to move from scarcity to abundance.6:16 – What's really limiting people from building more wealth.7:49 – The difference between a good and bad financial decision.9:01 – How your own perspective shapes your financial decisions.10:19 – What abundance really means.13:03 – When to react quickly and when to wait.17:45 – How hustle culture can hold you back.Subscribe to Ditch The Suits on your favorite podcast platform so you don’t miss an episode.LEARN MOREDitch The Suits - https://www.ditchthesuits.com/ CONNECTTravis Maus on LinkedIn - https://www.linkedin.com/in/travis-maus/ LISTENSpotify - https://open.spotify.com/show/4tVWSbhT5gYcXIwjUQklgw?si=04d2b1c7976a402e Apple Podcasts - https://podcasts.apple.com/gb/podcast/ditch-the-suits-your-money-your-life/id1551210529 YouTube - https://www.youtube.com/@DitchtheSuits_Podcast 

The way that most people think about their money and life is keeping them from getting more out of both.And as we’ve talked about over the last three episodes, it’s the scarcity mindset that’s holding people back.In this final episode of our four-part series on the scarcity mindset, we&#39;re turning the conversation around. If scarcity makes you feel like there isn&#39;t enough and that you need to constantly react, what is the alternative?Well, it’s called the abundance mindset.But abundance isn&#39;t about repeating mantras every morning. It&#39;s about taking action to take back control so that you can make better financial decisions.If you want to break free from the scarcity mindset so that you can stop feeling behind and at the mercy of the news cycle, this is for you.<ul><li>0:00 – Intro.</li><li>0:48 – How media fear is used to control your behavior.</li><li>4:56 – How to move from scarcity to abundance.</li><li>6:16 – What&#39;s really limiting people from building more wealth.</li><li>7:49 – The difference between a good and bad financial decision.</li><li>9:01 – How your own perspective shapes your financial decisions.</li><li>10:19 – What abundance really means.</li><li>13:03 – When to react quickly and when to wait.</li><li>17:45 – How hustle culture can hold you back.</li></ul> Subscribe to Ditch The Suits on your favorite podcast platform so you don’t miss an episode.LEARN MOREDitch The Suits - <a href="https://www.ditchthesuits.com/" rel="nofollow">https://www.ditchthesuits.com/</a> CONNECTTravis Maus on LinkedIn - <a href="https://www.linkedin.com/in/travis-maus/" rel="nofollow">https://www.linkedin.com/in/travis-maus/</a> LISTENSpotify - <a href="https://open.spotify.com/show/4tVWSbhT5gYcXIwjUQklgw?si&#61;04d2b1c7976a402e" rel="nofollow">https://open.spotify.com/show/4tVWSbhT5gYcXIwjUQklgw?si&#61;04d2b1c7976a402e</a> Apple Podcasts - <a href="https://podcasts.apple.com/gb/podcast/ditch-the-suits-your-money-your-life/id1551210529" rel="nofollow">https://podcasts.apple.com/gb/podcast/ditch-the-suits-your-money-your-life/id1551210529</a> YouTube - <a href="https://www.youtube.com/&#64;DitchtheSuits_Podcast" rel="nofollow">https://www.youtube.com/&#64;DitchtheSuits_Podcast</a>

Money Will Be Tight Until You Make This Change

Gabe Stengel is the co-founder and CEO of Rogo, the AI platform for finance. He believes the best investors will spend the next several years reinventing their firms around AI, and Rogo is trying to build the infrastructure that allows them to do it.  We discuss how Rogo evolved alongside the frontier models, why the last mile and the harness around the models matter so much, what happens when every portfolio manager can deploy thousands of agents against a problem, and how AI could transform the way capital is raised, assets are priced, and deals get done.  We also cover which investing skills become more valuable as AI improves, the move from seat-based to outcome-based pricing, Rogo’s internal company brain called Shrek, the 40 investor rejections Gabe received before his Series A, why building in applied AI requires extraordinary aggression, and what it takes to become a black hole for talent and capital.  Please enjoy my conversation with Gabe Stengel.  For the full show notes, transcript, and links to mentioned content, check out the episode page ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠.   -----  Become a Colossus member to get our quarterly print magazine and private audio experience, including exclusive profiles and early access to select episodes. Subscribe at ⁠colossus.com/subscribe⁠.  -----  ⁠Ramp’s⁠ mission is to help companies manage their spend in a way that reduces expenses and frees up time for teams to work on more valuable projects. Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠ramp.com/invest⁠⁠ to sign up for free and get a $250 welcome bonus.  -----  Trusted by thousands of businesses, ⁠Vanta⁠ continuously monitors your security posture and streamlines audits so you can win enterprise deals and build customer trust without the traditional overhead. Invest Like the Best listeners get a special offer of $1,000 off Vanta when you go to ⁠vanta.com/invest⁠.   -----  WorkOS⁠ is the infrastructure B2B and AI-native companies use to sell to enterprise. It covers everything enterprise security requires: SSO, SCIM, RBAC, Audit Logs, AI governance, and more. Trusted by 2,000+ fast-growing companies, including OpenAI, Anthropic, Cursor, and Vercel.  -----  Rogo is the AI platform for finance. They're building agents for Wall Street that are trained to understand how bankers and investors actually do work: from diligence and modeling, to turning analysis into deliverables. To learn more, visit rogo.ai/invest.  -----  ⁠Ridgeline⁠ has built a complete, real-time, modern operating system for investment managers. It handles trading, portfolio management, compliance, customer reporting, and much more through an all-in-one real-time cloud platform. Visit⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ridgeline.ai⁠.  -----  Editing and post-production work for this episode was provided by The Podcast Consultant.  Timestamps:  (00:00:00) Welcome to Invest Like The Best  (00:01:24) The Model Eras of Rogo  (00:04:15) Why the Last Mile Mattered  (00:06:14) Who’s Using Rogo Right Now  (00:10:55) Which Investor Skills Still Matter  (00:12:23) Inside Rogo's Data Stack  (00:14:33) Competing With the Frontier Labs  (00:16:57) Why the Harness Matters Most  (00:18:05) What Makes a Vertical AI Winner  (00:22:00) How Firms Buy AI Software  (00:23:43) From Seats to Outcome Pricing  (00:31:19) Auditability Beats Accuracy  (00:32:55) Scaling Enterprise Sales Fast  (00:34:48) Meet Shrek, Rogo's Company Brain  (00:35:49) The Pitch to Great Talent  (00:39:37) What Chewing Glass Feels Like  (00:42:18) Forty Investor Rejections  (00:47:41) Finance's Innovator's Dilemma  (00:50:22) Questions Every Firm Should Ask  (00:53:09) What Remains Most Uncertain  (00:56:46) Becoming a Black Hole for Talent  (00:57:56) The Kindest Thing

<a href="https://x.com/GabeStengel" rel="nofollow">Gabe Stengel</a> is the co-founder and CEO of Rogo, the AI platform for finance. He believes the best investors will spend the next several years reinventing their firms around AI, and Rogo is trying to build the infrastructure that allows them to do it.
We discuss how Rogo evolved alongside the frontier models, why the last mile and the harness around the models matter so much, what happens when every portfolio manager can deploy thousands of agents against a problem, and how AI could transform the way capital is raised, assets are priced, and deals get done.
We also cover which investing skills become more valuable as AI improves, the move from seat-based to outcome-based pricing, Rogo’s internal company brain called Shrek, the 40 investor rejections Gabe received before his Series A, why building in applied AI requires extraordinary aggression, and what it takes to become a black hole for talent and capital.
Please enjoy my conversation with Gabe Stengel.
For the full show notes, transcript, and links to mentioned content, check out the episode page <a href="https://colossus.com/episode/building-investing-superintelligence/" rel="nofollow">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠</a>. 
-----
Become a Colossus member to get our quarterly print magazine and private audio experience, including exclusive profiles and early access to select episodes. Subscribe at<a href="https://colossus.com/subscribe" rel="nofollow"> ⁠colossus.com/subscribe⁠</a>.
-----
<a href="https://ramp.com/invest" rel="nofollow">⁠Ramp’s⁠</a> mission is to help companies manage their spend in a way that reduces expenses and frees up time for teams to work on more valuable projects. Go to<a href="https://ramp.com/250-signup-bonus?utm_source&#61;podcast&amp;utm_medium&#61;paid-podcast&amp;utm_campaign&#61;podcast-colossus-250&amp;utm_content&#61;invest" rel="nofollow">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramp.com/invest" rel="nofollow">⁠ ⁠ramp.com/invest⁠⁠</a> to sign up for free and get a $250 welcome bonus.
-----
Trusted by thousands of businesses,<a href="https://vanta.com/invest" rel="nofollow"> ⁠Vanta⁠</a> continuously monitors your security posture and streamlines audits so you can win enterprise deals and build customer trust without the traditional overhead. Invest Like the Best listeners get a special offer of $1,000 off Vanta when you go to <a href="https://vanta.com/invest" rel="nofollow">⁠vanta.com/invest⁠</a>. 
-----
<a href="https://workos.com/" rel="nofollow">WorkOS⁠</a> is the infrastructure B2B and AI-native companies use to sell to enterprise. It covers everything enterprise security requires: SSO, SCIM, RBAC, Audit Logs, AI governance, and more. Trusted by 2,000&#43; fast-growing companies, including OpenAI, Anthropic, Cursor, and Vercel.
-----
<a href="https://rogo.ai/invest" rel="nofollow">Rogo</a> is the AI platform for finance. They&#39;re building agents for Wall Street that are trained to understand how bankers and investors actually do work: from diligence and modeling, to turning analysis into deliverables. To learn more, visit <a href="https://rogo.ai/invest" rel="nofollow">rogo.ai/invest</a>.
-----
<a href="https://www.ridgelineapps.com/" rel="nofollow">⁠Ridgeline⁠</a> has built a complete, real-time, modern operating system for investment managers. It handles trading, portfolio management, compliance, customer reporting, and much more through an all-in-one real-time cloud platform. Visit<a href="https://www.ridgelineapps.com/" rel="nofollow">⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ridgeline.ai⁠</a>.
-----
Editing and post-production work for this episode was provided by <a href="https://thepodcastconsultant.com/" rel="nofollow">The Podcast Consultant</a>.
Timestamps:
(00:00:00) Welcome to Invest Like The Best
(00:01:24) The Model Eras of Rogo
(00:04:15) Why the Last Mile Mattered
(00:06:14) Who’s Using Rogo Right Now
(00:10:55) Which Investor Skills Still Matter
(00:12:23) Inside Rogo&#39;s Data Stack
(00:14:33) Competing With the Frontier Labs
(00:16:57) Why the Harness Matters Most
(00:18:05) What Makes a Vertical AI Winner
(00:22:00) How Firms Buy AI Software
(00:23:43) From Seats to Outcome Pricing
(00:31:19) Auditability Beats Accuracy
(00:32:55) Scaling Enterprise Sales Fast
(00:34:48) Meet Shrek, Rogo&#39;s Company Brain
(00:35:49) The Pitch to Great Talent
(00:39:37) What Chewing Glass Feels Like
(00:42:18) Forty Investor Rejections
(00:47:41) Finance&#39;s Innovator&#39;s Dilemma
(00:50:22) Questions Every Firm Should Ask
(00:53:09) What Remains Most Uncertain
(00:56:46) Becoming a Black Hole for Talent
(00:57:56) The Kindest Thing

Gabe Stengel - Building Investing Superintelligence - [Invest Like the Best, EP.492]

Schedule a Free Financial Assessment with an experienced professional:https://bit.ly/YMYWassessC63-year-old Kevin in Denver is pulling $100K a year out of his portfolio. What’s the tax-smart way for him to structure these retirement withdrawals? Tim in Pennsylvania was forced into early retirement, and his wife Jill may be facing a layoff. They have over $2.5M saved, but what about health insurance? And Rocky and Adrian in Tucson have $4M in pre-tax at ages 68 and 69. If they convert to Roth, are they just picking up nickels in front of a steamroller? But first, Jeffrey’s YouTube comment lit a fire when he called a recent episode of YMYW TV on Social Security claiming strategies "cookie-cutter with zero real info." Joe and Big Al have some thoughts!Free Financial Resources in This Episode: https://bit.ly/ymyw-600 (full show notes & episode transcript)2026 Tax Planning Guide - free download:https://purefinancial.com/white-papers/tax-planning-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-tax-planning-guide&utm_content=ymyw-pod-ep600-description-whitepaperWithdrawal Strategy Guide - free download:https://purefinancial.com/white-papers/withdrawal-strategy-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-withdrawal-strategy-guide&utm_content=ymyw-pod-ep600-description-whitepaperEscape These 11 Tax Traps and Save in Retirement - YMYW TV:https://purefinancial.com/ymyw/episodes/escape-these-11-tax-traps-save-in-retirement/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep600-description-tv-s10e17Financial Blueprint (free, self-guided):https://bit.ly/YMYWblueprintCREQUEST your Retirement Spitball Analysis:https://bit.ly/YMYWaskCDOWNLOAD more free guides:https://bit.ly/YMYWguidesCREAD financial blogs:https://bit.ly/YMYWblogCWATCH educational videos:https://bit.ly/YMYWvidsCSUBSCRIBE to the YMYW Newsletter:https://bit.ly/YMYWnewsletterCConnect With Us:Subscribe on YouTube and join the conversation in the comments:https://bit.ly/YMYW-YTSubscribe or follow YMYW in your favorite podcast app:https://lnk.to/ymywLeave your honest reviews and ratings in Apple Podcasts:https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254Chapters: 00:00 - Intro: This Week on the YMYW Podcast00:54 - Claiming Social Security: Is Planning for a 40-Year Retirement a Waste of Time? (jeffreylevin9728, YouTube)12:31 - How Do I Turn My IRA Into a Monthly Paycheck? (Kevin, Denver)23:42 - I’m Retired Early Due to Illness and My Wife May be Laid Off. What About Health Insurance? (Tim & Jill, rural PA)32:30 - Roth Conversions on a $4M IRA at 68: Picking up Nickels in Front of a Steamroller? (Rocky & Adrian, Tucson, AZ)40:27 - Outro: Next Week on the YMYW Podcast42:16 - The Derails: Frontier Crucible, The Punisher, Disclosure Day, etc.

Schedule a Free Financial Assessment with an experienced professional:https://bit.ly/YMYWassessC63-year-old Kevin in Denver is pulling $100K a year out of his portfolio. What’s the tax-smart way for him to structure these retirement withdrawals? Tim in Pennsylvania was forced into early retirement, and his wife Jill may be facing a layoff. They have over $2.5M saved, but what about health insurance? And Rocky and Adrian in Tucson have $4M in pre-tax at ages 68 and 69. If they convert to Roth, are they just picking up nickels in front of a steamroller? But first, Jeffrey’s YouTube comment lit a fire when he called a recent episode of YMYW TV on Social Security claiming strategies &#34;cookie-cutter with zero real info.&#34; Joe and Big Al have some thoughts!Free Financial Resources in This Episode: https://bit.ly/ymyw-600 (full show notes &amp; episode transcript)2026 Tax Planning Guide - free download:https://purefinancial.com/white-papers/tax-planning-guide/?utm_source&#61;captivate&amp;utm_medium&#61;podcast&amp;utm_campaign&#61;whitepaper-tax-planning-guide&amp;utm_content&#61;ymyw-pod-ep600-description-whitepaperWithdrawal Strategy Guide - free download:https://purefinancial.com/white-papers/withdrawal-strategy-guide/?utm_source&#61;captivate&amp;utm_medium&#61;podcast&amp;utm_campaign&#61;whitepaper-withdrawal-strategy-guide&amp;utm_content&#61;ymyw-pod-ep600-description-whitepaperEscape These 11 Tax Traps and Save in Retirement - YMYW TV:https://purefinancial.com/ymyw/episodes/escape-these-11-tax-traps-save-in-retirement/?utm_source&#61;captivate&amp;utm_medium&#61;podcast&amp;utm_campaign&#61;ymyw-tv&amp;utm_content&#61;ymyw-pod-ep600-description-tv-s10e17Financial Blueprint (free, self-guided):https://bit.ly/YMYWblueprintCREQUEST your Retirement Spitball Analysis:https://bit.ly/YMYWaskCDOWNLOAD more free guides:https://bit.ly/YMYWguidesCREAD financial blogs:https://bit.ly/YMYWblogCWATCH educational videos:https://bit.ly/YMYWvidsCSUBSCRIBE to the YMYW Newsletter:https://bit.ly/YMYWnewsletterCConnect With Us:Subscribe on YouTube and join the conversation in the comments:https://bit.ly/YMYW-YTSubscribe or follow YMYW in your favorite podcast app:https://lnk.to/ymywLeave your honest reviews and ratings in Apple Podcasts:https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254Chapters: 00:00 - Intro: This Week on the YMYW Podcast00:54 - Claiming Social Security: Is Planning for a 40-Year Retirement a Waste of Time? (jeffreylevin9728, YouTube)12:31 - How Do I Turn My IRA Into a Monthly Paycheck? (Kevin, Denver)23:42 - I’m Retired Early Due to Illness and My Wife May be Laid Off. What About Health Insurance? (Tim &amp; Jill, rural PA)32:30 - Roth Conversions on a $4M IRA at 68: Picking up Nickels in Front of a Steamroller? (Rocky &amp; Adrian, Tucson, AZ)40:27 - Outro: Next Week on the YMYW Podcast42:16 - The Derails: Frontier Crucible, The Punisher, Disclosure Day, etc.

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