u/MovinOnUp2021

I finally did it: officially a liquid millionaire (lol barely but still!) and by all calculators & conservative estimates will reach FIRE in 10 years - as long as I keep up my investment contribution volume every year till then.

However! I find myself so arrogant at work now. Like, fvck this - don't need your stress, don't need your money. In fact, I could indeed quit tomorrow and not work for years - except that for every year I don't invest and/or I spend down money, I'm setting back true FIRE.

Any tips to dial down the arrogance & keep my eye on the prize during these final few years? I always cared a lot about my career, now with the finish line in sight I only care about the money - but it's hard to remind myself to let everyday work & boss annoyances & disappointments roll off my back since now all that matters is dragging this crap out to cash these checks.

Recently got Sapphire Reserve, in large part for the $300 card-year hotel credit and $250 semiannual calendar-year The Edit benefits. As well as the 150K sign-up bonus.

Welp, sure enough: Chase makes sure you get hardly any benefit.

Four Seasons: 2 nights with tax on the Four Seasons website = $1655 when booking in Chase Travel

Same Four Seasons, same 2 nights, same room = $1327 on Four Seasons' own website.

$328 more to book through Chase 😂😭 There goes the value of the $100 property credit and the two days' free breakfasts.

Even the late checkout isn't guaranteed -- the BEST benefit you can't get anywhere else, which with Amex Platinum IS guaranteed.

So, I paid a $795 annual fee, and instead of capturing $550 in value for the hotel booking I'd planned card or no card, I ultimately save only $222. Wow. Yay.

P.S. Best part: before applying for Sapphire Reserve, I checked in the Chase travel portal (I have a Chase Ink Business Preferred) to make sure the hotel rate would be the same. They were: Chase portal hotel rates matched the hotel's own rates.. until now that I actually have the Sapphire Reserve, suddenly the Chase portal rates are hundreds more 😂🙄

Was about to order a Taylor Baby 3/4 scale acoustic guitar for my 8 year old girl who's writing her own songs and wants to get a guitar to learn to play them. "I want a brown one!" she said, meaning acoustic or classical, not electric.

Anyway, was about to order it, but then realized it has metal strings rather than nylon. I've been reading that metal strings hurt way too much & will discourage the kid from playing the guitar.

Would y'all advise to definitely find a kid's guitar with nylon strings to make sure she's not discouraged from the get go? Never played myself. Thanks!