DogMom

Long story short. I googled my name and city and was sufficiently creeped out. Ive been online a long time and just didn't notice how much privacy had eroded around me. It's like that parable about how to cook a frog. They just slowly increased the temp on me. Fortunately I've jumped out of the pot before I got cooked alive.

I always recommend JL Collins Stock Series blog posts as a good starting point for learning how to manage your portfolio.

Omg you just saved my sanity. I just switched to LineageOS and the default keyboard was about to make me nuts. Thank you kind stranger.

In the Midwest, some farm.

Have you factored in old age costs? Lawn care or household help when it gets to be too much for you to handle on your own. I didn't factor that and am now thinking I will regret that as I'm currently watching my mom start to decline and need more help.

It does get easier. At 100k is about where I started to see the effects of compound interest really take hold. Hang in there. It is so worth it.

I'm already retired but here's how I structured my days. Mornings start off with breakfast and walking the dog. Then I focus on chores that I have to do...mow the lawn, laundry, groceries. After lunch is left open for fun things or projects I'm working on. Lately I've been splitting afternoons between digitiznig old photos, genealogy, reading and knitting. If my SO is working in the office, then I do afternoon dog walking duties too. After dinner is watching TV with the SO. I kind of fell into this pattern after I found myself wandering around the house bored trying to figure out what to do with myself.

Pretty much. Reduce your consumption so you need less stuff. Build skills that you could use to barter for things that you would otherwise need to buy.

Are you in the US? I can't speak for other countries but I would have a hard time believing the US economy could devolve into that kind of situation. If it did, I think my original arguement still holds. FIRE seeking folks would still be better able to adapt to the situation. They would just step up their intensity.

Growing your food > making meals at home > eating at restaurants Walking/biking everywhere > public transit/carpooling > driving everywhere

Dealing with that sort of extreme situation would require extreme changes to your lifestyle. Building up skills to be more self sufficient and lower your spending to absolute minimal levels. If you are really interested in this, you might want to check out the Early Retirement Extreme book and forums. Jacob was an early FIRE blogger that focused on building skills to lower his expenses. I believe he was living on < $10k a year. That community is pretty hard core on slashing spending and closer to the prepper mentality it would take to survive hyper inflation.

I think the FIRE community is best suited to handle inflation. Let's face it, if your seriously pursuing FIRE, you probably aren't buying a ton of stuff. Housing, food and medical expenses are going up but when you aren't spending on a ton of other stuff it doesn't hurt as much. It makes saving tougher but not impossible. I think our current inflation is also a good reality check for people that haven't experienced the ups and downs of inflation before. We have to account for that in our financial planning because it isn't always a rosy 1-2%. The 7% mortgages that you are seeing today are laughable to someone like my folks whose first mortgage was around 13%. It's all just part of the long term financial cycle that we have to find the best way to deal with. The best way to beat inflation is the best path to FIRE. Keep your frivolous spending low, invest in a diverse and well balanced portfolio and be flexible to change as life changes.

The easiest thing other than using them would be selling them for face value to your parents or someone else that could easily spend them.

I'm in the Bitwarden camp. There is no other way for me to have complex/secure passwords and remember them for my gazillion accounts.