XaNnY_NaNnY
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XaNnY_NaNnY reacted to O o g a in Achieving financial independence IRL
My girlfriend wants to do something similar (retire early and work part time). Involves something like moving out of Toronto and to a cheaper area like Nova Scotia or something
I myself am not a financial expert. I'm happy to trudge along and 'work' (play osrs) and get paid every 2 weeks. We've just moved into a detached house last fall and although we still got a bit to go on our mortgage (under 400k CAD left) it's not like we have a ton of other expenses.
Dunno! It's scary to think about retirement and stuff this early (I'm turning 30 this year) but apparently I should've started thinking about it like 5 years ago 😆
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XaNnY_NaNnY reacted to The Cursed in Achieving financial independence IRL
So basically, this means that you can retire and live off your savings and investments. I discovered this thing while browsing the internet and now I have decided to dedicate my 20s and early 30s to chase this dream.
What financial independence means is that once you have enough money saved up, you can retire early and enjoy your life without working a single day again. How is it calculated? Assuming you will live till 85, take that minus the age you plan to retire, multiply that by the cost of living.
EX, if I am currently 23, and I spend 40k USD per year, and I plan to retire at 35, I need to save 2m USD.
Obviously this is not realistic for most people. But it's not impossible. In fact you don't need to make 2m at all. If you are a college graduate and make 60k+ a year and invest 20k a year. According to S&P 500's performance averaging 10-11% growth annually. You will have 1.15m to 1.3m USD in 20 years. And over 2m in 25 years.
Also, some stocks pays dividends. Enough investing into stocks that yield dividends can last you a life time. Assuming you put 1m into a stock that pays 5% dividend, that means every year you will receive 50k cash.
PS, if you know a foreign language and can move to a lesser developed country. You can retire earlier and still live like a king.
I'm chinese, and I plan to move back to China once I invested enough. 500k investment with 5% dividend yield 25k USD per year, convert that to Yuan is 162k yuan per year which is upper class life outside mega cities.
Let me know your thoughts on this. If there is any financial experts in this clan, I could use some professional insights.
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XaNnY_NaNnY reacted to Vio in Two years with the Wilderness Guardians
AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA
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XaNnY_NaNnY got a reaction from MrfysLaw in [Accepted] XaNnY_NaNnY
Please join our Discord server and read the #joining_wg channel to see the final step in the process.
XaNnY_NaNnY
What is your current RS name? XaNnY_NaNnY
List any previous RS names: None.
What is your total level and combat level? My total level is 1264 and combat level is 92.75.
Tell us about your RuneScape account and history.
I used to play a lot back in hichschool (2012-2014) and than i stopped for a few years. I played everynow and then. Now that I have a new PC, I started playing again and am getting back into it. A lot has changed since I played so its like playing a new game. I like bossing and just doing random skils to make money (although im not good at money making).
Tell us about your clan history.
I used to play a lot of clan wars for fun too since i was non members. but now it seems like it is dead.
Tell us about your yourself.
My name is Jimmy and i am 23 years old. I went to LSU (baton Rouge) and work in commercial banking now. I moved to Dallas with my girlfriend and like to play games on my PC, go fishing, kayaking, camping, golfing and etc. Mainly i enjoy doing laid back activities that enable me to wind down from a long day at work. during the week days I usually just work, go to the gym, and play video games since I don't have time to go out. theres usually a good balance, but since I got a new PC, i've been more gaming than outdoor activities lol.
How did you hear about us? OSRS fourms.
What makes you want to join us? Everyone seems friendly and are willing to do a diverse set of activities. I always get my questions answered when needed. Im only lvl 92 combat rn but I know what boss activities i want to do and it seems that this clan does majority of the bosses that i like (nightmare, tob, cox).
Do you agree to the rules and requirements of WG and understand that this is an honour clan? Yes
Come clean about anything that may deter us from accepting you: I botted on this account way back when when i first played. But i got banned and stopped playing. Now I find it better to just earn my rewards rather than have a game afk play for me. I smoke weed lol wanna match?
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XaNnY_NaNnY reacted to Affect in [Accepted] XaNnY_NaNnY
Hey Xanny. I'm glad that I found you, you seem like a great addition to WG. Thank you for applying, and best of luck!
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XaNnY_NaNnY reacted to D C 3 in [Accepted] XaNnY_NaNnY
Welcome and I also love to fish and kayak! Look forward to talking in game about some fishing experiences
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XaNnY_NaNnY reacted to WG Mr420 in [Accepted] XaNnY_NaNnY
I love golf but I suck at it and usually wasted by the 18th hole lol welcome! hope to see you around!
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XaNnY_NaNnY reacted to Why Try Guy in [Accepted] XaNnY_NaNnY
I saw ya last night at the soul wars event we had last night, hope to see you come to some pk trips as well!
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XaNnY_NaNnY reacted to Frog Wiz in [Accepted] XaNnY_NaNnY
Hey man!
Glad you decided to apply. You share alot of interests not just ingame, but irl with alot of our clan members. Got a few peeps that live around or in Dallas as well. Looking forward to doing stuff with ya ingame and to hang out!
Whether it's pking, bossing, or just doing social stuff, we have it all here, and whenever you feel like your levels are good enough for endgame pvm, weber got great teachers as well (for the pvp side also)!
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XaNnY_NaNnY got a reaction from Frog Wiz in [Accepted] XaNnY_NaNnY
Please join our Discord server and read the #joining_wg channel to see the final step in the process.
XaNnY_NaNnY
What is your current RS name? XaNnY_NaNnY
List any previous RS names: None.
What is your total level and combat level? My total level is 1264 and combat level is 92.75.
Tell us about your RuneScape account and history.
I used to play a lot back in hichschool (2012-2014) and than i stopped for a few years. I played everynow and then. Now that I have a new PC, I started playing again and am getting back into it. A lot has changed since I played so its like playing a new game. I like bossing and just doing random skils to make money (although im not good at money making).
Tell us about your clan history.
I used to play a lot of clan wars for fun too since i was non members. but now it seems like it is dead.
Tell us about your yourself.
My name is Jimmy and i am 23 years old. I went to LSU (baton Rouge) and work in commercial banking now. I moved to Dallas with my girlfriend and like to play games on my PC, go fishing, kayaking, camping, golfing and etc. Mainly i enjoy doing laid back activities that enable me to wind down from a long day at work. during the week days I usually just work, go to the gym, and play video games since I don't have time to go out. theres usually a good balance, but since I got a new PC, i've been more gaming than outdoor activities lol.
How did you hear about us? OSRS fourms.
What makes you want to join us? Everyone seems friendly and are willing to do a diverse set of activities. I always get my questions answered when needed. Im only lvl 92 combat rn but I know what boss activities i want to do and it seems that this clan does majority of the bosses that i like (nightmare, tob, cox).
Do you agree to the rules and requirements of WG and understand that this is an honour clan? Yes
Come clean about anything that may deter us from accepting you: I botted on this account way back when when i first played. But i got banned and stopped playing. Now I find it better to just earn my rewards rather than have a game afk play for me. I smoke weed lol wanna match?