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Joined 1 year ago
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Cake day: July 29th, 2023

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  • One other thought that occurred to me overnight: you might be asking about FIRE (financial independence, retire early). There are tons of strategies for going about that.

    I would caution about moving toward “off grid” type scenarios. Your monthly costs will be less, but you will have significantly higher up front (if buying a new residence) and/or maintenance costs (if buying used and/or when you decide to sell). For example, our water and sewer bill is around $800/year. If anything outside the house fails, the utility company will fix it. My in-laws sold a home in NJ with well water and septic and had to replace their sceptic field before they were able to sell. That set them back somewhere between $30k and $40k. Depending on your goals it could be either an advantage or a disadvantage.


  • Feedback: your actual questions start about 2/3 down your post. Lead with them next time so we know how to answer better :)

    it’s really hard to apply my city-living experience to try to extrapolate what life might be like if I make a goal to buy a small home in Nowheretown, USA to retire in 20 years down the line

    We have younger kids, live in a lower cost of area, and bought our house in 2011. Excluding frivolous categories, our top expenses are:

    1. Saving for our retirement. Between our 401ks and IRAs, this is our biggest expenditure by quite a bit
    2. Food. We don’t eat out a ton, but also don’t do a great job of eating low cost. Feeding four is also fun, we can’t wait until they’re teens. This category is not much ahead of #3 though
    3. Our mortgage (it’s a 30 year and taxes, insurance, principal, and actual mortgage are $1,250/mo)
    4. Saving for our kid’d potential college tuition

    Once the kids are out and we’re retired categories #1 and #4 go away, category #2 will probably get cut in half, and our taxes and insurance are currently well under $4,500/year. Speaking of taxes, mine are capped at a maximum increase of 5% or inflation, whichever is lower. With the housing run-up this has worked out in our favor.

    Home expenses are a thing. It’s hard to say how much to budget for that though. Some of it depends on you (eg do you really need to renovate that bathroom in full), your taste, and your budget. I would expect a decent outlay every 5 years or so - roof, brick/siding/exterior work, furnace/ac, driveway etc. The more you’re willing and able to do yourself the better off you’ll be.

    You don’t have to be in the boonies to live in a low cost of living area.











  • Look up “home energy monitor”. They install inside your panel. The one we have has a bunch of current clamps, but not enough for our huge panel, so I chose what I thought our more heavily used circuits were. It also measures line voltage. Voltage x current = bingo. I’m not completely sure how I feel about the one I bought, so I’m not going to call it out. I wish it flagged trends per circuit over time to catch things like failing appliances. I could root it and mod it, but it would be nice if it did it out of the box. Catching a failing appliance would more than pay for the device, even if you do it by hand by simply tracking the data. It has slightly changed our habits (see: the furnace blower that we left on all the time and was pulling a constant 500 watts aka 12 kwh/day aka 360 kwh/mo), but I wouldn’t expect to find anything crazy unless you have high usage.


  • A $400 bill at $0.50 per kwh is 800 kwh. Our electricity usage in the month of August was 787 kwh. I wired an energy meter into my circuit panel a month ago, so I can break that down:

    • 210 kwh for EV charging. I don’t drive a ton and can also charge at work sometimes. This is 27% of our total
    • 130 kwh for AC. We live in SE MI, so it’s not hot. We keep our AC set to 75 when it’s on. These two combined are now 40% of our bill
    • 62 kwh for my work desk (hybrid work) and deep freeze
    • 61 kwh for our furnace blower motor. This one surprised me. We were leaving it on the low setting to equalize temperature. On the low speed it pulls 500 watts, or 12 kwh/day. It obviously pulls more power when the AC is on
    • 61 kwh for our fridge
    • 28 kwh for our washing machine and gas dryer
    • now we’re in odds and ends territory. 17 kwh for our instant Hot water (tea), 12 kwh for our sump pump and dehumidifier, 11 for our dishwasher, 8 for the TV (old fluorescent)/garage/ps5/modem/route, 7 for the microwave
    • another 100 or so that doesn’t have a clamp on the breaker

    If you don’t have an EV and you’re really keeping your AC at 84 I strongly suspect you have a failing appliance. Unless you live in Phoenix and have a massive and very poorly insulated house or something.

    During covid (I was doing remote work, so basically no EV charging), our old dishwasher finally stopped working with a dryer heater error code. When we replaced it our electric bill fell by a double digit percentage (I want to say 20%+) year over year.

    As for things like insulation, going from 3" of 1969 insulation to a massive quantity of blown in helped our winter heating bill (gas) a lot more than our summer AC bill.

    Good luck!




  • Building an audience over time is exactly how blogs, and publishing in general, work unless you start off with a lot of advertising or endorsements. For better or worse, there’s far more content than there is time for a large audience to read it all.

    This gives you three choices:

    • specialize and post in an existing community that’s aligned with that specialization. People will nearly always engage, especially if the content is good
    • specialize and start your own blog. You could even try seeding it by referring people to it from already existing specialized communities. People will know what to expect content wise and keep coming back if the subject you’re talking about is interesting to them and the content is good
    • don’t specialize and strike out on your own. If the content is good and you stick with it your audience will eventually grow. This will probably take more time because your audience will initially be looking for content that relates to what they’ve seen in the past, but what you’re really offering is your personality, writing style, world view, etc

    Personally, if I’m looking for engagement I choose the first option.