Viewing profile — tachibana

A no-code tool to create/maintain visual end-to-end UI tests.

I took a break when I achieved my FIRE goals. I did all the usual stuff -- worked on personal projects, cleaned up the house, and played an insane amount of tennis and video games.…

Digging through my old bank statements: - $500/month for rent and utilities by splitting 1 bedroom apartment with roommate) - $30/month for my cell phone plan - $100-150/month for …

It's a function of percentage income saved, not amount earned. The formula is (income / investment rate / percent income saved). If my investment rate is 4%, I need to save 25 year…

The key thing for me was to constantly and continually invest. I'm sure you've heard the saying to "maximize time in market; don't time the market." I buy a mix of bonds and stocks…

I reached 100% income replacement for myself in my late 20s. Then I got married and had kids. My spouse and I reached 100% income replacement in our mid-30s. Glad to see a fellow p…

You give me too much credit -- it's a really boring approach. My portfolio used to be about 50/50 in fixed income securities and real estate. I got lucky with the real estate, and …

I am a serious practitioner of the FIRE (Financially Independent, Retire Early) philosophy. Over the years, I have accumulated assets in a very conservative portfolio. This portfol…

The central tenet of my career was focused on budgeting and building a portfolio that can generate post-tax cash flow to enhance my lifestyle. My portfolio consists of dividend pay…

A self-managed portfolio consisting of various government bonds. Ever since I started working, I have been saving >30% of my annual income every year. Not accounting for the income…

Step 1: Save diligently (>30% of pre-tax salary) Step 2: Invest in very conservative investments that throw off free cash (I personally like fixed income like US treasuries and mun…

I follow a similar strategy but with fixed income, so my yields aren't as impressive: https://news.ycombinator.com/item?id=12416278

My cost of living is about the same as the typical family with kids attending good public schools along the SF Bay Area peninsula, but the approach should be repeatable in most pla…

Mostly fixed income securities and fixed income-like assets (like real estate, asset-backed loans, etc.). $10,000 invested at 4% brings in a little more than $1/day. Yes, the marke…

Diligent savings over many years combined with low-risk investments. The stable income it generates now covers all living expenses for my family. I'm still part of the 9-5 crowd by…

Agreed. I've also found that the longer you are away from school, the harder it is to go back for a variety of reasons (motivation, money, family, etc.). I guess in a world where t…

Kudos on the great rate of return! I tell everybody around me it's surprisingly easy to become financially independent. By saving s% of my income investing with a rate of return is…

I am a data point for the worst-case example. I don't have a hot application or a popular website, and most of my money is earned the old-fashioned way. My passive income from my i…

From my accounting background, some common ratios I use: 1) acid ratio (liquid assets / short term liabilities) 2) gross operating margin 3) net operating profit margin 4) return o…

Sorry, no hard numbers for privacy reasons. The basic living needs of my family (food, clothing, mortgage, utilities, cars, etc.) has been covered by my investment portfolio for se…

Quick SEC disclaimer... I'm not an investment professional; I'm just sharing my personal experience. "Default" doesn't always mean that the principal won't get paid back. In almost…

Quick disclaimer: I am not a tax professional; please always consult your own professional help. I don't want to sound like I'm lying, so I'll provide a very benign example of the …

Quick SEC disclaimer... I'm not an investment professional; I'm just sharing my personal experience. It depends. Munis come in all flavors and sizes; the best ones IMHO are state-l…

I've worked as a professional real estate manager for 15+ years, mostly in California but with also in a couple of places The expected cap rate (annual rent / purchase price) in on…

Warren Buffet's rules of investing: 1) Never lose money. 2) See rule #1. I use municipal bonds to immunize my expenses ( http://en.wikipedia.org/wiki/Immunization_%28finance%29 ). …