Date: November 1st, 2026 9:18 PM Author: Catalina Garcia is not a hobby she is a lifestyle
280k more then enough to retire on in the outskirts of Birmingham, especially if the doublewide is paid off. but not really sure you can honestly claim you're retired since you continue to curate.
Date: November 1st, 2026 9:19 PM Author: M. I. Gay Subject: holy fucking shit
One wonders what Reddit imagines an interest rate is for. Nominal Treasury yields already incorporate ex ante inflation expectations, anticipated real short rates, inflation-risk compensation, and maturity-specific term premia. My $280,000k in 4.5% coupon Treasuries, largely maturing this Autumn, has generated $12,600 annually without amortizing principal, which is redeemed at par and reinvested at maturity.
Soon, I will Deploy capital, and will be rewarded handsomely for it through higher yields and deeper discounts. LeanFIRE, I could kiss you.
Provided after-tax distributions cover nominal consumption, there is no intrinsic principal-depletion mechanism. Obviously, realized inflation can exceed ex ante pricing, and coupon fixity introduces purchasing-power risk alongside reinvestment-rate uncertainty. But confusing these with inevitable nominal insolvency suggests a rather elementary misunderstanding of fixed-income economics.
What exactly did you think the interest rate was compensating investors for?
Anyway, paid-off Trailer. No Job. Maturing tranches. Several Motorola 68000s. The State of FIRE Literacy Is Grim.
btw I'm going to be like 46 (I was the First Millennial) so the odds of me "living" most than 29 years are extremely low.