Spyke

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golf

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Thoughts on golfing solo as a beginner?

Getting in some twilight rounds might be your best bet. Get to the course a couple hours before sunset and walk 9. You can play until you can’t see any more as long as you don’t have a cart out on the course.

If you take a cart, the boys in the cart barn probably won’t love this strategy

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How are you doing relative to the 1x by 30 / 2x by 35 / 3x by 40 salary rule for retirement savings?

At 29, we're at $170k in retirement funds with $150k household income. I've been lucky to max my 401k and Roth IRAs for both my wife and I the past two years. The biggest thing I've done to accomplish that is increasing my contribution with each pay raise I've gotten. Our net income hasn't increased much over the past 5 years, but our gross income has increased ~$60k.

Every few months, I'll run the numbers on what is needed to retire and I think we're in pretty good shape. I intentionally don't include my wife's pension or Social Security in those calculations, which makes me feel a bit better about where we are.

YearAgeHHIRetirement
201723$95k$8,900
201824$100k$19,900
201925$110k$42,900
202026$120K$74,000
202127$135k$116,300
202228$140k$123,400
2023*29$150k$171,900
cfb

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14 days until my will to live comes back (cfb tools inside including a poll!)

I posted my poll. Here's the data I used to come up with my rankings. It's the final 2022 AP Poll, 2022 W/L, 2023 returning production, 2023 recruiting rankings from 247, my poll, the Coaches Poll, and the difference between mine and the coaches.

Team22 APWLRPRecruitMeCoachDiff
Georgia1150612110
Michigan31318117220
Ohio State411267434-1
Alabama5112401431
Penn State7112651457-2
Washington81127326611-5
SoCal12113768761
LSU16104716853
Oregon15103659915-6
TCU213252211016-6
Utah1010476201114-3
Tennessee6112631012102
clemson1311369111394
Florida State1110387191486
Texas258574315123
Notre Dame1894681216133
Kansas State14104633317170
Tulane912271711823-5
Oregon State17103654919181
South Carolina238555162027-7
Duke269471562154-33
Boise State2910467672238-16
Mississippi State209457272342-19
Texas Tech3185642824240
North Carolina3295683025205
Texas A&M57801525-25
Wisconsin76725821-21
Ole Miss85712322-22
Purdue358665680
UCLA2194643732-32
Maryland3785643645-45
Illinois3985633848-48
Oklahoma6762519-19
Marshall3894611250
Troy19122609434-34
Fresno State24104598337-37
Air Force281035910450-50
Minnesota3094584540-40
Iowa3485574126-26
NC State3385564336-36
Louisville368556310
UTSA27113525929-29
Pittsburgh2294515131-31
Cincinnati409446750
frugal

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Basic, advanced, and optional ways to save money

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It depends on the type of bread you’re looking to have. If you just want cheap sandwich bread, a grocery store will be cheaper. If you want to have a nice warm loaf to spread butter or jelly on, it will be cheaper with a bread maker. I think there is an assumption that you would also have most of the ingredients on hand. Yeast is the only specialty ingredient.