Search found 4167 matches

by tim1999
Fri Feb 02, 2024 9:28 pm
Forum: Personal Consumer Issues
Topic: Alternative to Uber/Lyft. Anyone take car service or taxi to airport anymore?
Replies: 55
Views: 4948

Re: Alternative to Uber/Lyft. Anyone take car service or taxi to airport anymore?

Pretty much all of the pre-arranged “town car service” companies and most of the limo companies in my area seem to have gone out of business in the last 5-10 years. It’s either Uber/Lyft, some old guys that do airport rides in their personal vehicles and advertise on Nextdoor, etc., or there is a shared shuttle van service that runs hourly.
by tim1999
Thu Dec 21, 2023 10:41 pm
Forum: Personal Consumer Issues
Topic: Cancelling orders, subs: dark patterns, roach motels - worst?
Replies: 38
Views: 5138

Re: Cancelling orders, subs: dark patterns, roach motels - worst?

Newspapers, SiriusXM radio, certain gyms.

Trying to move money out of VALIC/Corebridge to another firm.
by tim1999
Sat Dec 02, 2023 2:33 pm
Forum: Personal Consumer Issues
Topic: How nice is your neighborhood?
Replies: 27
Views: 2377

Re: How nice is your neighborhood?

It's not for everyone, but in terms of what typical middle class professional people can afford, I've found that a neighborhood with a very high percentage of owner-occupants along with a fairly restrictive HOA and deed restrictions/covenants leads to the fewest "nuisance" problems with neighbors in terms of bad behavior, noise, lack of maintenance, overcrowding, etc.
by tim1999
Sat Nov 25, 2023 8:13 pm
Forum: Personal Consumer Issues
Topic: Pair of pricey college football tickets?
Replies: 70
Views: 8704

Re: Pair of pricey college football tickets?

I spent more on Masters tickets for my dad and I, and I earn a fraction of your income. I regret nothing. One of my most treasured experiences with him before he passed.
by tim1999
Sat Nov 25, 2023 8:07 pm
Forum: Personal Consumer Issues
Topic: How much tip is appropriate at highly automated restaurants?
Replies: 103
Views: 10516

Re: How much tip is appropriate at highly automated restaurants?

I assume the food was ordered on a touchpad like the drinks were, and you bus your own table when you are done. I would tip zero at this type of place.
by tim1999
Sun Aug 20, 2023 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Self-clean or manual [oven] for rental?
Replies: 17
Views: 2571

Re: Self-clean or manual for rental?

The typical tenant isn't going to clean it either way, so I don't think it matters. If the price is the same, I'd probably get the self-clean to perhaps make it easier to get it cleaned during tenant turnover.
by tim1999
Sun Aug 20, 2023 7:25 pm
Forum: Personal Consumer Issues
Topic: Portable travel hotel room, and travel, coffee making ideas?
Replies: 120
Views: 10858

Re: Portable travel hotel room, and travel, coffee making ideas?

I bring a K-Cup Mini machine with me if the hotel doesn't have in-room K-Cup machines or free lobby coffee. If unsure, I call and ask the front desk what the coffee situation is.
by tim1999
Thu Aug 03, 2023 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: AZ landlord. Renter refused to pay the last month's rent. What next?
Replies: 117
Views: 14167

Re: AZ landlord. Renter refused to pay the last month's rent. What next?

Former landlord here. I would have been happy they gave me plenty of notice and left the place not trashed. I would have sent back their $3,000 security deposit ASAP, plus $2,250 (extra month's rent, minus the $750 penalty). You had plenty of time to find a new tenant, all the while the rent was covered by the departing tenant. If you didn't find a tenant in that time, the rent was too high. Residential leases are getting more predatory as time goes on, especially with the surge in private equity landlords, with all sorts of ridiculous fees and penalties that look great in a document but are unenforceable at best and inhumane at worst. Move on and stop trying to get blood from this tenant who otherwise paid the rent on time and left the pla...
by tim1999
Thu Aug 03, 2023 7:49 pm
Forum: Personal Consumer Issues
Topic: Have you slowed down at [or before] the peak of your career?
Replies: 45
Views: 4893

Re: Have you slowed down at [or before] the peak of your career?

Once I reached the highest individual contributor level in my career in my late 30s I decided that was enough and I would resist any further promotions or new jobs that would involve more stress or hours. I sure as hell knew I didn't want to go into management. My salary was sufficient to provide for all my needs and reasonable wants while maintaining a healthy savings rate and being on target to retire in my early 50s. Starting then, quality of life and control of my time became more important than extra salary. If necessary, I would take a lower paying job to maintain a low stress level and plenty of personal, non-work time.
by tim1999
Thu Aug 03, 2023 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Where to submit report for restaurant overcharging tips?
Replies: 81
Views: 8927

Re: Where to submit report for restaurant overcharging tips?

I am surprised this restaurant doesn't just legitimize it (and make it a higher amount) by adding a mandatory "credit card convenience fee" or "minimum wage surcharge" like restaurants have been starting to do in my area recently, and you usually don't find out about until you get the check.
by tim1999
Wed Jul 26, 2023 7:51 pm
Forum: Personal Consumer Issues
Topic: If/when to fly business class? (Length of flight vs. cost)
Replies: 207
Views: 26614

Re: If/when to fly business class? (Length of flight vs. cost)

If it's on my dime, I don't think I'd ever spring for a business/first class seat unless I won the lotto. And at that point, I'd be chartering a private jet.


I don't need the room, and I can't fall and stay asleep on a plane under any circumstances, even if it's a first class lie-flat seat (I've tried, on a trip my employer paid for).
by tim1999
Wed Jul 26, 2023 7:19 pm
Forum: Personal Investments
Topic: This may seem dumb, but… [100% CDs & MM accounts]
Replies: 93
Views: 12705

Re: This may seem dumb, but… [100% CDs & MM accounts]

I have a close relative (retired), very skittish about the market, who keeps pretty much all of their investable funds (7 figures) in CD's, treasuries, I-bonds, etc. Due to a paid off house in a LCOL, no debt, and a simple lifestyle, their income from SS plus a small pension (combined, about $45k/yr) is more than enough for them to live comfortably. They have no need to take risk or endure volatility and this approach allows them to sleep like a baby. I see no problem with it for them.
by tim1999
Wed Jul 26, 2023 7:09 pm
Forum: Personal Consumer Issues
Topic: Prepaid Funerals- what do you think of them?
Replies: 42
Views: 4670

Re: Prepaid Funerals- what do you think of them?

My "end of life" documents state that I want a direct cremation, no funeral viewing, no church service, no cemetery burial. I have no need for a prepaid plan. There is enough cash in my sock drawer for my survivors to pay for it when the time comes.
by tim1999
Mon Jul 24, 2023 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Home next door sold to hospice care facility
Replies: 60
Views: 8380

Re: Home next door sold to hospice care facility

It's better than the illegal and legal sober living houses that are popping up in my area.
by tim1999
Sat Jul 22, 2023 7:55 pm
Forum: Personal Consumer Issues
Topic: If retired early, what do you tell people you do?
Replies: 338
Views: 29779

Re: If retired early, what do you tell people you do?

I will be retiring by 50 from my "career". I will likely do some low-paid part-time work related to a hobby. I will consider myself retired and have no shame telling people that.
by tim1999
Sat Jul 22, 2023 11:42 am
Forum: Personal Consumer Issues
Topic: Keeping discreet about net worth after house purchase
Replies: 50
Views: 4366

Re: Keeping discreet about net worth after house purchase

Where I live, if someone really wants to snoop, they can go to the county recorder's website and find out in about a minute whether you bought a house with a mortgage (and if so, the loan amount) or cash, when you paid off or refinanced a mortgage, etc. You are overthinking this. If someone asks you in casual conversation what your mortgage interest rate is, "I don't know/I forget" is an acceptable answer rather than "I paid cash, I don't have one."

Nobody is going to say "Caught you! I checked with the county and you don't even have a mortgage! Why did you lie to me?"
by tim1999
Sat Jul 22, 2023 11:34 am
Forum: Personal Consumer Issues
Topic: What are the ways you find a job these days
Replies: 30
Views: 4898

Re: What are the ways you find a job these days

I look on linkedin, websites of major companies in the industry I am targeting, and the online job board for the professional association I am a part of for my line of work.
by tim1999
Sat Jul 22, 2023 11:31 am
Forum: Personal Consumer Issues
Topic: Making Tenant Uncomfortable ?
Replies: 9
Views: 2209

Re: Making Tenant Uncomfortable ?

I can only see this making her "uncomfortable" if you either post an opinion that is strongly contrary to and directly in response to one she has posted on the same topic, or if she has posted negative things about you personally and you confront her about it. Otherwise I think you are putting too much thought into this.

It sounds normal for a landlord who owns property in a community to have an account connected to that community's Nextdoor page or whatever, not just the tenant living in it. I just wouldn't go on there posting stuff like "I think my tenant is dealing drugs, can someone who lives near the house let me know if you see any weird activity going on there?"
by tim1999
Wed Jul 19, 2023 9:56 pm
Forum: Investing - Theory, News & General
Topic: Millennials Need 3-4 Million To Retire
Replies: 504
Views: 59913

Re: Millennials Need 3-4 Million To Retire

This thread is a giant brag-fest for well-off millennials and reminds me why I spend very little time on this forum anymore.
by tim1999
Thu Jul 06, 2023 10:57 am
Forum: Personal Consumer Issues
Topic: 718 Cayman GTS 4.0. Can I? Should I?
Replies: 103
Views: 9620

Re: 718 Cayman GTS 4.0. Can I? Should I?

Go for it.
by tim1999
Fri Feb 17, 2023 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Increasing or decreasing wealth path in retirement?
Replies: 91
Views: 8154

Re: Increasing or decreasing wealth path in retirement?

As someone with no heirs, I tend to have an extremely conservative investment strategy (read: low stock allocation %) as my goal is only to have enough money to last my lifetime without much of anything left over. Not saying I'll spend it all, but I don't have a need for growth beyond keeping up with inflation.
by tim1999
Fri Feb 17, 2023 12:54 pm
Forum: Personal Investments
Topic: FIRE by 50?
Replies: 34
Views: 8591

Re: FIRE by 50?

stocknoob4111 wrote: Fri Feb 17, 2023 8:32 am only on Bogleheads would someone with a $2.5M net worth ask "am I on track?" :D
Same with the "you are doing decently for typical age 40 cohorts" comment. OP is probably in the top 3% nationwide for net worth by age. I think that's a little better than "decent".
by tim1999
Sun Jan 15, 2023 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: If you are TRULY financially independent, why would you still work?
Replies: 427
Views: 40899

Re: If you are TRULY financially independent, why would you still work?

Mestk5593 wrote: Wed Jan 11, 2023 2:46 am Let's use "TRULY financially independent" at 50x and above. (Could be anything above 33x in my view.) Please, let's not focus on the cut off.
The day I get 30x expenses, I’m quitting my full time professional career, never going back to it, and possibly taking a low paying part time job related to one of my hobbies. I’m getting close.
by tim1999
Thu Jan 12, 2023 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Not on employer health plan: do you get a benefit?
Replies: 21
Views: 1979

Re: Not on employer health plan: do you get a benefit?

My employer used to pay you about $125/month to not be on their health plan, if you could show proof you were covered by a different plan elsewhere. They did away with that payment maybe 3 years ago.
by tim1999
Sun Jan 08, 2023 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Worst fears come true. Uninsurable spouse of my sister dies very young
Replies: 46
Views: 9361

Re: Worst fears come true. Uninsurable spouse of my sister dies very young

As an uninsurable person married to another uninsurable person, we each max out our employer-sponsored life insurance for both self and spouse up to the limits for guaranteed approval/no medical info needed. It's actually reasonably priced given the circumstances if you are under age 55 or so.
by tim1999
Sun Jan 08, 2023 4:12 pm
Forum: Personal Investments
Topic: Any experience with Toyota Income Driver Notes?
Replies: 316
Views: 56707

Re: Any experience with Toyota Income Driver Notes?

Income Driver is up to 4%, which still isn't worth it when I'm seeing 1-month brokered CD's in my Fidelity & TDA accounts at 4% and places like Marcus are paying 3.3% for online savings accounts, all FDIC insured. I'm sure there are other choices I don't follow like treasures and other HYSA's that are 4% or better now. Income Driver should be over 5% to be competitive at this point.
by tim1999
Sun Jan 08, 2023 2:24 pm
Forum: Personal Consumer Issues
Topic: Auto accident - worth pursuing very minor medical claim?
Replies: 11
Views: 1050

Re: Auto accident - worth pursuing very minor medical claim?

urban wrote: Sun Jan 08, 2023 1:46 pm
tim1999 wrote: Sun Jan 08, 2023 1:13 pm Should I push back on signing the medical records release form and just insist on sending them the bills for what I have?
I would NOT sign so broad release form. About sending them you med bills now: do not hurry. Find out what is the time frame for submitting claims in your state. Something may come up regarding your health as a result of that accident.
It's two years from the date of injury in my state.
by tim1999
Sun Jan 08, 2023 1:13 pm
Forum: Personal Consumer Issues
Topic: Auto accident - worth pursuing very minor medical claim?
Replies: 11
Views: 1050

Re: Auto accident - worth pursuing very minor medical claim?

Should I push back on signing the medical records release form and just insist on sending them the bills for what I have?
by tim1999
Sun Jan 08, 2023 11:52 am
Forum: Personal Consumer Issues
Topic: Auto accident - worth pursuing very minor medical claim?
Replies: 11
Views: 1050

Auto accident - worth pursuing very minor medical claim?

(Deleted)

Thanks for all the advice. I think I'm going to pursue the claim but will wait a little while to get the documentation in order and make sure there are no lingering bills that haven't been sent to me yet.
by tim1999
Wed Jan 04, 2023 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Are you seeing home prices go down in your area?
Replies: 49
Views: 4640

Re: Are you seeing home prices go down in your area?

In my area they are back down to 4Q 2021 levels, off the peak that was reached sometime in 2Q 2022.
by tim1999
Mon Jan 02, 2023 11:57 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax 2022 [purchase discount thread]
Replies: 394
Views: 51915

Re: TurboTax 2022 [purchase discount thread]

Zanmar wrote: Sun Jan 01, 2023 7:31 pm Login to Amazon.
Search Download Software Purchased
Slightly below the search window you will see a monitor with an arrow pointing down
Your digital downloads
Manage your game and software downloads.
Your downloads · Help

You would not believe how much time i spent finding this link.
Thanks, I was having the same problem finding it and this worked for me. It used to be a lot easier to find the download link so I believed they changed it somehow.
by tim1999
Mon Dec 12, 2022 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Can siblings "fix" unequal inheritance?
Replies: 28
Views: 4404

Re: Can siblings "fix" unequal inheritance?

Would there be a need to pay some kind of income tax, on a gift from a sibling of perhaps $75,000? i really don't know why public perception is so sure there is tax on gifts. this concern comes up all the time on this site, from both the giver and the recipient. i don't know where that comes from. I see this misconception frequently outside of this message board and got tired of trying to correct it. I think people hear "report to the IRS" (such as gifts of $16k+ in a year must be reported on a form) and think "if I am reporting something to the IRS, it means I have to pay tax on it." Such as one would for selling junk on ebay for profit that resulted in receiving a 1099 from paypal. They don't comprehend that reporting...
by tim1999
Mon Dec 12, 2022 11:00 am
Forum: Personal Consumer Issues
Topic: Old Diesel Mercedes-Benz (86' 300SDL) - reasonable price for an oil change?
Replies: 5
Views: 875

Re: Old Diesel Mercedes-Benz (86' 300SDL) - reasonable price for an oil change?

The independent Mercedes shop near me (MCOL area) would charge around $140-$150 for this, and would include a multi-point inspection of the car in general.
by tim1999
Mon Nov 28, 2022 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Sticker Shock On HOA 2023 Fee
Replies: 23
Views: 2655

Re: Reverse Sticker Shock On HOA 2023 Fee

No, my HOA increases have been zero in the last 4 years. Mine hasn't been replacing trees and plants as they die or get damaged as a way of offsetting increasing landscape labor expenses. I don't necessarily agree with the board's logic. Common area landscaping services are the biggest budget line item expense by far, followed by irrigation water and irrigation system maintenance for said landscaping. Frankly I'd rather they just up the dues $50 per house per year or whatever and resume replacing the dead trees/plants so we don't end up years from now with bare/sparsely landscaped common areas. We are a neighborhood of mostly working professionals, and judging by the cars, boats, and other toys in most driveways, people can afford such an i...
by tim1999
Tue Nov 22, 2022 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with new "extra" commitments at work -- acronym burnout
Replies: 26
Views: 3602

Re: Dealing with new "extra" commitments at work -- acronym burnout

None of the 8+ employee networking/resource groups at my company fit my demographic so I feel no need to get involved, and nobody pressures me to do so. The only group I get involved with is one that is more of a learning virtual meeting led by rotating managers from different business segments that teaches you how other aspects of the business work behind the scenes that you might not normally be exposed to; I find it interesting, you can pick and choose which sessions you feel are relevant, you often get to learn some "shortcuts" to navigating corporate red tape, and it only takes an hour and a half during the workday once per month. I generally decline any company-sponsored networking or social event that occurs outside of work...
by tim1999
Fri Nov 11, 2022 3:06 pm
Forum: Personal Consumer Issues
Topic: 80 yr.old and Las Vegas Blowout---UPDATE2-The Return Report
Replies: 55
Views: 8769

Re: 80 yr.old and Las Vegas Blowout---UPDATE2-The Return Report

I somehow missed this thread the first time around, but glad to see you had a fun experience in LV. As for the carrying cash issue. If I plan on gambling with a bankroll of more than a couple thousand, I use a casino credit line for my own sanity. I once took ~$15k cash on a flight to Las Vegas on my person before I knew about casino credit and sweated every second of it. I hid it deep inside my carry-on bag while going through TSA (someone would have to open 3 zippers and move stuff out of the way to get to it) but the rest of the time it was in my pocket. I started getting real antsy when line into the body scanner got held up, but my bag had already gone through the bag scanner and was waiting on the other side out of my reach. I think m...
by tim1999
Tue Sep 27, 2022 10:47 am
Forum: Personal Investments
Topic: Marcus CD rate updates post Fed rate hike
Replies: 31
Views: 3770

Re: Marcus CD rate updates post Fed rate hike

The difference between their CD's and the savings account rate is so minimal that I wouldn't bother with the CD, especially in a rising interest rate environment.
by tim1999
Sun Sep 18, 2022 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Document listing out financial details in case I pass away
Replies: 83
Views: 8055

Re: Document listing out financial details in case I pass away

I keep my one-page "account details in case I die" document, along with my will, in our safe that is bolted to the floor. My partner knows how to get inside it.
by tim1999
Fri Sep 16, 2022 10:22 pm
Forum: Personal Consumer Issues
Topic: Cold Weather Golf Pants?
Replies: 19
Views: 1745

Re: Cold Weather Golf Pants?

For golf with temps in the 30s or 40s I wear thick, wide-whale corduroy pants on top of thermal Under Armour “tights” or whatever they are called. I also always walk in those temps. Top is usually a long sleeve thermal base layer thing, short sleeve polo shirt over that, and a long sleeve quarter zip over the polo. I remove either the quarter zip or the base layer if it warms up during the round. I also keep hot hands warmers in my pockets.
by tim1999
Mon Sep 12, 2022 8:13 pm
Forum: Personal Consumer Issues
Topic: Favorite music from the 70s?
Replies: 357
Views: 31185

Re: Favorite music from the 70s?

I am a big fan of 1970s "yacht rock" music even though I was only a baby when it came out. I find it to be extremely relaxing. I put it on as background music during much of my workday.
by tim1999
Tue Aug 23, 2022 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Out of state executor setting up estate bank account
Replies: 11
Views: 2682

Re: Out of state executor setting up estate bank account

Update: The branch manager at PNC looked at the probate paperwork and let me deposit the check in a new personal, non-estate account. Complete opposite of what happened at Chase.
by tim1999
Mon Aug 22, 2022 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Out of state executor setting up estate bank account
Replies: 11
Views: 2682

Re: Out of state executor setting up estate bank account

I'm going through a similar situation and am curious if anyone knows which of the "big banks" will let one open up an estate account in a different state from where the decedent lived. I have a five-figure check that is the result of a lawsuit from a personal injury settlement to the decedent. I am both the executor and the estate's only beneficiary. The will was probated in the decedent's state of residence 3 years ago. I have an EIN for the estate set up through the IRS. This check is the only estate asset that hasn't been distributed yet; and all the other assets transferred via POD or designated account beneficiary. Chase Bank refused to set up an estate account in my state of residence, stating it must be set up in the state...
by tim1999
Mon Aug 22, 2022 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Out of state executor setting up estate bank account
Replies: 11
Views: 2682

Re: Out of state executor setting up estate bank account

I'm going through a similar situation and am curious if anyone knows which of the "big banks" will let one open up an estate account in a different state from where the decedent lived. I have a five-figure check that is the result of a lawsuit from a personal injury settlement to the decedent. I am both the executor and the estate's only beneficiary. The will was probated in the decedent's state of residence 3 years ago. I have an EIN for the estate set up through the IRS. This check is the only estate asset that hasn't been distributed yet; and all the other assets transferred via POD or designated account beneficiary. Chase Bank refused to set up an estate account in my state of residence, stating it must be set up in the state ...
by tim1999
Thu Aug 18, 2022 11:53 am
Forum: Personal Consumer Issues
Topic: Should homeowner periodically partially drain tank water heater?
Replies: 40
Views: 5282

Re: Should homeowner periodically partially drain tank water heater?

I never drain it, but I get the anode rod inspected and replaced as needed every few years, usually when I have a plumber in the house for some other reason already.
by tim1999
Thu Jul 28, 2022 6:55 pm
Forum: Personal Consumer Issues
Topic: Leaving for a week: shut off main water supply?
Replies: 174
Views: 19516

Re: Leaving for a week: shut off main water supply?

I turn it off any time the house is empty for more than a day or so. I had the old original junky gate valves replaced with new ball valves when I bought the house a few years back. I had the plumber set it up so the valve for the interior water supply comes after the main shutoff valve and where the outside landscaping irrigation supply line branches off, so the irrigation stays on while I am gone.
by tim1999
Thu Jul 14, 2022 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Rate Question/Survey
Replies: 47
Views: 4080

Re: Savings Rate Question/Survey

I calculate it as the percentage of my gross employment income that goes into retirement accounts or taxable accounts, aka what isn't spent from income at the end of the year. I maintain a steady, fairly minimal balance in the checking account that my pay gets deposited into, and all bills get paid from that account, so it is easy to calculate how much has been transferred out into savings.

I do not take 401k matching/company contributions, dividends/interest/capital gains in taxable accounts, or mortgage principal paydown into consideration in calculating savings rate.
by tim1999
Tue Jul 12, 2022 9:34 pm
Forum: Personal Consumer Issues
Topic: Is AAA membership worth it?
Replies: 197
Views: 27170

Re: Is AAA membership worth it?

Mine just paid for itself for 2022, they came out and changed a flat tire on the side of the road for me since I don't have the physical strength to do it myself.

I've had "free" roadside service in the past via car insurance and new car warranties, my experience was that they all had far inferior response times to AAA in my area.
by tim1999
Tue Jul 12, 2022 9:29 pm
Forum: Personal Consumer Issues
Topic: Car dealer add-ons
Replies: 39
Views: 3777

Re: Car dealer add-ons

deleted
by tim1999
Fri Jul 08, 2022 6:07 pm
Forum: Personal Investments
Topic: Retire at 43? Good idea?
Replies: 128
Views: 16199

Re: Retire at 43? Good idea?

In OP's shoes I would have retired already. I have plenty of hobbies and activities to fill my time with, and I don't feel some moral obligation to society to keep working.