4 ms·

Seeing Jack committing to this repo is kinda wild to me. I also wish I had fuck-you money and could spend my day engrossed in whatever I find interesting

JumpCrisscross 9mo ago
> wish I had fuck-you money and could spend my day engrossed in whatever I find interesting A good mental exercise is to calculate how much you'd need to survive indefinitely in a pocket of rural America or the third world. No international travel. No bells and whistles. Limited cuisine. But survival and leisure unlimited. When I've run the numbers for a comforable living, they've come to $300k (Vietnam, $12k/y) to $500k (West Virginia or Portugal $18k/y). But one could halve (or more) those figures by accepting standards of living our grandparents would have found adequate. Then you make a choice. That world. Or the one you have. (Or something in between.) Two-fifths of American households have a net worth over $300,000; more than half over $150,000 [1]. That means somewhere between a lot of and potentially most Americans have, on a global scale, fuck-you money. Just not fuck-you money to retain their status at the centre of the first world. [1] https://dqydj.com/net-worth-percentiles/ https://dqydj.com/net-worth-percentiles/
- niemandhier 9mo ago
  Coll idea. One thing: This numbers exclude healthcare costs as you get older this gets more expensive. For countries with free healthcare, it is usually limited to people working there or citizens and ( in the German case ) recognised refugees.
  - nunobrito 9mo ago
    For Portugal the "free" healthcare is extremely generous to anyone staying there, regardless if citizens or not. It does lose money, but then again Germany always pays the bill.
    - alt227 9mo ago
      > Germany always pays the bill I dont think many people realise just how much European infrastructure Germany actually bankrolls. It is a lot.
    - niemandhier 9mo ago
      Back of the envelop calculation: Portugal gets about 33 “Kampfpanzer Leopard 2” worth of money from Germany via the EU. If this truly finances universal healthcare in Portugal for everyone, the Portuguese should run the world.
      - nunobrito 9mo ago
        Salaries are low and equipment/infrastructure is top notch so the overall deficit per year is about a billion EUR, which is the extra they deduct from our taxes and Germoney. Quality and efficiency of "bang per buck" is decent albeit citizens always complain. Portuguese did run half the world for a couple of centuries, the most spoken language by natives on the southern part of this planet but quite tiresome to deal with all that, now is more like Italy and prefers quality of life.
  - 0_____0 9mo ago
    My health insurance (self employed, high CoL area USA, healthy/not old) is 6k$/yr. Kind of blows up that $18k/yr idea. I don't think it gets that much better if you live in a low CoL area.
  - JumpCrisscross 9mo ago
    > One thing: This numbers exclude healthcare costs as you get older this gets more expensive For the U.S., yes, I'm assuming Medicare/Medicaid. For overseas: Vietnam and Portugal have affordable systems you can pay into, with private insurance options above that at $1,200 and $5,000 a year.
  - komali2 9mo ago
    In Taiwan you can be on NHI within 6 months of arrival on certain visas. Once you get permanent residency, you're always eligible so long as you keep making monthly payments, which cap out at around 45$usd/month. NHI makes an MRI cost less than 100$ usd. If you don't have NHI you can pay iirc 300$ for an MRI, 100$ for an emergency room visit with blood draw and IV, maybe ~30$/month for buproprion over the counter.
- sgt 9mo ago
  WV is probably heavily underrated. Such a beautiful part of the US.
- cedws 9mo ago
  American software engineers maybe. But I heard somewhere that most Americans live paycheck to paycheck or at most have a few thousand dollars in savings.
  - JumpCrisscross 9mo ago
    > I heard somewhere that most Americans live paycheck to paycheck or at most have a few thousand dollars in savings Wealth versus liquidity. I'm saying you sell everything you own, pay off your debts, and then take what's left to retire on. Someone with $10mm in home equity may still be strapped for cash on account of the mortgage.
  - alt227 9mo ago
    > I heard somewhere that most Americans live paycheck to paycheck or at most have a few thousand dollars in savings If you dont inherently know this fact then you should be grateful for a very lucky and priviliged life.
    - cedws 9mo ago
      I don't live in America.
      - alt227 9mo ago
        It applies to the entire world.
- budududuroiu 9mo ago
  I've never seriously considered this, but that's a sobering realisation that most of these numbers are more achievable than most think. Thanks for the inspiration, I should run my numbers as well.
- komali2 9mo ago
  I thought fuck-you money also included the ability to explore whatever you want in a way that included e.g. hiring a team to explore projects for you as startups? Also everyone I know with fuck you money already lives in Asia for cost of living reasons, but spends half the year jet setting to various raves and rich people shenanigans in random places like Croatia.

JumpCrisscross 9mo ago

> wish I had fuck-you money and could spend my day engrossed in whatever I find interesting A good mental exercise is to calculate how much you'd need to survive indefinitely in a pocket of rural America or the third world. No international travel. No bells and whistles. Limited cuisine. But survival and leisure unlimited. When I've run the numbers for a comforable living, they've come to $300k (Vietnam, $12k/y) to $500k (West Virginia or Portugal $18k/y). But one could halve (or more) those figures by accepting standards of living our grandparents would have found adequate. Then you make a choice. That world. Or the one you have. (Or something in between.) Two-fifths of American households have a net worth over $300,000; more than half over $150,000 [1]. That means somewhere between a lot of and potentially most Americans have, on a global scale, fuck-you money. Just not fuck-you money to retain their status at the centre of the first world. [1] https://dqydj.com/net-worth-percentiles/ https://dqydj.com/net-worth-percentiles/

niemandhier 9mo ago
Coll idea. One thing: This numbers exclude healthcare costs as you get older this gets more expensive. For countries with free healthcare, it is usually limited to people working there or citizens and ( in the German case ) recognised refugees.
- nunobrito 9mo ago
  For Portugal the "free" healthcare is extremely generous to anyone staying there, regardless if citizens or not. It does lose money, but then again Germany always pays the bill.
  - alt227 9mo ago
    > Germany always pays the bill I dont think many people realise just how much European infrastructure Germany actually bankrolls. It is a lot.
  - niemandhier 9mo ago
    Back of the envelop calculation: Portugal gets about 33 “Kampfpanzer Leopard 2” worth of money from Germany via the EU. If this truly finances universal healthcare in Portugal for everyone, the Portuguese should run the world.
    - nunobrito 9mo ago
      Salaries are low and equipment/infrastructure is top notch so the overall deficit per year is about a billion EUR, which is the extra they deduct from our taxes and Germoney. Quality and efficiency of "bang per buck" is decent albeit citizens always complain. Portuguese did run half the world for a couple of centuries, the most spoken language by natives on the southern part of this planet but quite tiresome to deal with all that, now is more like Italy and prefers quality of life.
- 0_____0 9mo ago
  My health insurance (self employed, high CoL area USA, healthy/not old) is 6k$/yr. Kind of blows up that $18k/yr idea. I don't think it gets that much better if you live in a low CoL area.
- JumpCrisscross 9mo ago
  > One thing: This numbers exclude healthcare costs as you get older this gets more expensive For the U.S., yes, I'm assuming Medicare/Medicaid. For overseas: Vietnam and Portugal have affordable systems you can pay into, with private insurance options above that at $1,200 and $5,000 a year.
- komali2 9mo ago
  In Taiwan you can be on NHI within 6 months of arrival on certain visas. Once you get permanent residency, you're always eligible so long as you keep making monthly payments, which cap out at around 45$usd/month. NHI makes an MRI cost less than 100$ usd. If you don't have NHI you can pay iirc 300$ for an MRI, 100$ for an emergency room visit with blood draw and IV, maybe ~30$/month for buproprion over the counter.
sgt 9mo ago
WV is probably heavily underrated. Such a beautiful part of the US.
cedws 9mo ago
American software engineers maybe. But I heard somewhere that most Americans live paycheck to paycheck or at most have a few thousand dollars in savings.
- JumpCrisscross 9mo ago
  > I heard somewhere that most Americans live paycheck to paycheck or at most have a few thousand dollars in savings Wealth versus liquidity. I'm saying you sell everything you own, pay off your debts, and then take what's left to retire on. Someone with $10mm in home equity may still be strapped for cash on account of the mortgage.
- alt227 9mo ago
  > I heard somewhere that most Americans live paycheck to paycheck or at most have a few thousand dollars in savings If you dont inherently know this fact then you should be grateful for a very lucky and priviliged life.
  - cedws 9mo ago
    I don't live in America.
    - alt227 9mo ago
      It applies to the entire world.
budududuroiu 9mo ago
I've never seriously considered this, but that's a sobering realisation that most of these numbers are more achievable than most think. Thanks for the inspiration, I should run my numbers as well.
komali2 9mo ago
I thought fuck-you money also included the ability to explore whatever you want in a way that included e.g. hiring a team to explore projects for you as startups? Also everyone I know with fuck you money already lives in Asia for cost of living reasons, but spends half the year jet setting to various raves and rich people shenanigans in random places like Croatia.