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  1. I swim a 27.5 min 1500 with a much slower stroke and 3x less kicks. Look into the two beat kick. It helps a lot. Also, you need to glide about twice as long. If you’re using a 2 beat kick, imagine the leg that just kicked and your leading hand being as far apart as possible in a straight line. You will use half the energy and go faster.

  2. In the scenario above, there are additional facts that may eliminate the need to make estimated payments. If they file a joint return, and one spouse has income from wages, that spouse can adjust their withholding to cover any additional tax liabilities, or at least eliminate the potential Underpayment penalty.

  3. Wow! Did not know this. Yes, we will be filling jointly. I’ll make the adjustments to my W4 today.

  4. Yes, you can use your withholding to cover all tax liabilities on the Joint return.

  5. Our tax payments will be significantly less. Just had a baby and my wife started working part time as a 1099 contractor. I’ll just make sure my company takes enough out to cover her.

  6. You went off on a long rant about other stuff I have actually forgotten because I make a point of not remembering wrong information.

  7. Sadly it is, body fat percentage is simply an artifact of weight loss.here

  8. I never said it wasn't. Still there is nothing I said that is wrong.

  9. Are you retired? I cannot imagine having that much time between work and family.

  10. Active duty military. Though, my current job isn’t too time demanding. It helps that fitness is encouraged, so I can easily argue for time to work out. Triathlon is my main hobby and passion right now.

  11. Nice! That's definitely one of the benefits of military. My buddy, formerly in the Navy, was always so fit because he was able to workout during his shifts.

  12. A diet worth looking up is renaissance periodization (RP). I’m currently in maintenance phase but have done 3 cuts with them over the past 3 years and have seen amazing results! Total body recomp while losing fat AND gaining muscle. it’s definitely a lifestyle now not a “diet”

  13. If you’re going to retire before 50 (like I plan on doing), you should max out your 401k and do Mega Back Door Roth conversions. If your company offers a Roth 401k, contribute to that instead and you don’t need to worry about the mega back door Roth conversion. You can always withdrawal your contributions (not growth) after it sits in a Roth for 5 years completely penalty free. Additionally, if you can’t max out your 401k and afford to put additional money into a taxable brokerage account, you probably won’t be able to retire before 50 anyway. Focus on the 401k for now. As your income grows, keep your spending the same and load money into the taxable account. Once you have enough money in your taxable account and Roth contributions combined to cary you yo 59.5, you can retire.

  14. Yeah, you’re a bit of a toddler. Throwing a match for someone making a stupid decision that messed you up. Maybe it is happened constantly.

  15. Aint there GDPR or is that just EU thing ?

  16. Its law that says how you must deal with information of people. Basically if you got a list of names it falls under gdpr. Max fine was something like 10million €.

  17. Yeah, there’s something like that in America, but I don’t know the details. So yeah, probably illegal, probably the US, but still not sure on either.

  18. If the 10% penalty is removed, who cares if it’s not qualified?

  19. I've tried to play casual, but for some reason, I still play like I'm in competitive and have the same negative attitude.

  20. Doesn’t sound like a rocket league problem. It sounds like you need friends to play with.

  21. Would your wife be happy though in 2 years if you were making 300K and she was making 100K in Freemont? That's the opportunity potentially.

  22. Probably, but the issue is whether or not I actually get that raise. If I some reason don’t, I will end up in a bad position, stalling my retirement goals by however many years we end up staying there.

  23. I just made a post about this 2 days ago. Look through some of the comments. Peoples arguments for going is that there’s a lot of really good paying jobs out there:

  24. How is it saving when you’ll be paid less in a lower cost of living area? It’s not like you’ll get paid 250k for the same job in the lcol area

  25. Let me answer this differently. If my income is $131k in my state and I spent $73k per year, I save the left over. In the area I was offered the job, I would spend closer to $144k based on my spending in each of the category’s adjusted for the COL in that area for each of those categories. For me to spend $144k, I would have to make $71k additional TAKE-HOME per year. Since anything over my $131k that I currently make is taxed at 39.95%, I would have to make $116k extra per year on top of what I already make. $116k + $131k = $247k.

  26. Let me answer this differently. If my income is $131k in my state and I spent $73k per year, I save the left over. In the area I was offered the job, I would spend closer to $144k based on my spending in each of the category’s adjusted for the COL in that area for each of those categories. For me to spend $144k, I would have to make $71k additional TAKE-HOME per year. Since anything over my $131k that I currently make is taxed at 39.95%, I would have to make $116k extra per year on top of what I already make. $116k + $131k = $247k.

  27. Because you spend so much less that you’ll have more to save

  28. Your making a really big assumption that everyone pees in their pool. Which is not the case.

  29. I never pee in pools. But this guy on YouTube has some statistics about it. Don’t remember exactly, but 30% of people admit to doing it. It’s even worse for competitive swimmers.

  30. I had mine built 8 years ago and was never told anything remotely close to replace your water.

  31. Gotcha. I still find articles online about why you should do it. Idk. Literally just had an idea and wanted to run it by people with pools. Not sure why people are so against replacing water when I can’t find anything (except on Reddit) saying not to replace water, but I find plenty saying that you should.

  32. Great job! Keep it going and you’ll be at $1MM before you know it. The first $100k is harder to get to than the next $900k.

  33. All kinds! I’ve gone the TY Beanie Baby route myself.

  34. Hi! I currently live with family. Spend very little as I had isolated myself after college and this covid stuff reinforced the lifestyle further. Also dove deeply into minimalism.

  35. Well, everything depends on what type of lifestyle you want after you achieve FIRE. How much do you want your budget to be? When do you want to retire? If you answer these questions, I can tell you when you’ll likely be able to retire.

  36. How much do you spend per year? Do you live on your own?

  37. Yes, will try this. I'm realizing you don't need to kick as much as you think you do, mainly just to keep your legs from sinking.

  38. Check it out on YouTube and google. Study the form, listen to the tips. Practice in the shower by kicking one leg and extending the opposite hand over your head. Thinking about it at work. Don’t try to swim laps until you get the coordination down. Took me about 2-3 session at the pool to figure it out before I could actually swim laps properly. After that, I could go 750 m no problem. A couple weeks allowed me to go 1500 m easily. You got this.

  39. Don’t try to swim slower. Consciously trying to swim slower will probably make your technique worse, and in turn you’ll waste more energy and still get tired.

  40. Unfortunately when you say “don’t kick too much”, it doesn’t really help when it comes to technique. There are only 2 kicks a beginner should focus on. The 6-beat kick, and the 2-beat kick.

  41. That information is online. They publish averages at Glassdoor.com and Salary.com.

  42. Take more AP classes to graduate earlier. Don’t go into nursing because you’ll only change majors halfway through. Go into engineering. Mechanical was what I ended up doing, but you would do much better off taking software engineering or computer science.

  43. It's easier each time. I was far more upset over the 5k I lost during my first downturn than the 100k I've lost YTD. You need sea legs.

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