[BrokeAssMillionaire]

gracie mucho   my group co-workers are all different races: Chinese, American, India, Mexican, and Vietnamese so we always have lunch at different restaurants each time. It's a great environment and diversity at work until COVID, everybody is working from home.

The best trip in VN was starting from Sai Gon to Da Lat, Nha Trang, Phan Rang, Phan Thiet, and Ta Dung. From Phan Rang to Phan Thiet on the route along the VN coast, it was like driving HW 1 in California. Then from Phan Thiet to Ta Nung was like going to Yosemite, beautiful scenery.

I am different with others that I don't have to spend all what I have made. My brother would inherit all of my 401k so there is no reason I want to gain more than what I need. It's just fun and enjoy to see how I can gain that much but no intention of spending them unless I want to get a big house with 5-10 acres.

 I had lived in 4100 sq-ft home for 8 years by myself. It was the best moment of my life to enjoy of what I wanted. It's true that I used the dinning room more often and even slept there too ...hihihi... However, I did used other rooms as entertainment. Kept all the room simple for easy cleaning where it took me 4 hrs each week.


I am one of the 5 in the group, need to be more conservative before reaching 60. Assume 5% CD for a couple years, that would give me around 100k guarantee annually. The other 2 wants to get a big house to compete with other coworkers ...lol... so they want to gain more. Of course in the last 20 years, we got into iceberg 4 times and 2022 was the highest negative 290k. We weren't worry much since we can't take out until 60. Actually, all of us don't really need 401k since we own houses and no mortgage. It's lucky that we have pension and SSA that we can take 1 month vacation every 3 months.

Still don't know if I want RV without motor or without since I currently tow the boat and ATV with SUV so I don't want too many cars that doesn't use often. Maybe keep the boat for water ski for few more years then make decision after that. Have a lot of friends that I can get a used one for cheap, but they come with motor. But for now, I like to travel around the world first 

It has taken us over 20 years to reach this point so I wish you would be success when you reach 50.    20 years ago to dream of million but now it's nothing. A billion would never happen for sure, it's too late. ...lol...