EmotionallyUnstable

Are you NYSTRS tier 6?

I am intending to use the three-pronged system: Pension, Investments, Social Security. My wife (31) and I (30) are both state employees, and can retire at 55. However, our retirement tier for said pension substantially improves in value for each year past 55 that we vest (approx 8% additional per year of the average of our highest 3 years salary, maxed at 63 years of age). We have separate, aggressive 403B accounts that we have been contributing to since our mid 20s in tax-sheltered deductions from our checks. We also recently opened a Roth IRA (in her name, of course!). Additionally we have the “rainy day fund” in our personal savings and obviously account for home improvements, vacations, surprise expenses, etc. Aside from the mortgage at 3.6% interest (we owe approx 188k over the next 25 years), we have no debt aside from the car payment and credit cards, which we clear off in full each month. The one area we are knowingly missing is the life insurance, which now that my daughter is 6m and we have a little extra income, we are going to secure in the coming months. We don’t live a lavish lifestyle, but live comfortably, afford what we want to a certain degree, eat and drink well and take the occasional family trip. One day I want a vacation home (not sure where) and in 30 years I am hoping that Roth IRA will the down payment on the home. Other than that, I plan to live easy and keep it simple and hopefully celebrate a few super bowl victories along the way

Any age factor to this, no requirement for number of vested years?

Should have gone for it

Because you can’t go for one-a

Can’t believe I stayed up for this

Going to need another defensive TD, me thinks

Dude low-key tried to score 6…been waiting for that moment his whole career lol

No worries… you won’t need that time out later.

Is it possible we’re just spoiled with Allen’s arm arrogance that we can’t appreciate his average throws?

Tua has a noodle for an arm

This has aged poorly. Miami D looking phenomenal

It’s only 3-0 and this game couldn’t be more unbalanced. Miami is done for.

Everything Bagel seasoning. put that on some avocado toast with a poached egg and you’re in business.

Absolutely the 1 sees is valuable. What doesn’t seem so important to me anymore is if you’re the 2, 3 or 4 seed.

Pretty sure he started for them last week

I think Brisset is in another week

Can he play in the slot? I sure hope so. If Taron can’t go, I’m not sure I can handle watching Siran Neal run after people.

I just don’t get it

A jet sweep!

I will piggyback off of this and add that pre-snap motion, aside from tiny shifts with RBs, TEs and WRs realigning, has disappeared entirely.

I shut the tv after the 4th and forever incompletion in our game. Just turned it back on and am boycotting football until next Sunday. Squid Game, here I come!

Grow a pair MCD!!!

Missed blocks and TD reversing penalties. I can see it. Plus it’d be had a catch, maybe?

Santora’s on Transit is a fun spot for the games and only a 6 hour drive from NYC