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Deciding When to Retire

It's funny, at work all of the old timers pack their lunch. All of the snot nose entry level kids order Ubereats for lunch. The get their nails did and their eyebrows plucked at the Vietnamese salon next door for a cool 80 bucks. Kids today have no chance because they can't manage their money. The thing is they're all living with their parents and aren't taking advantage of the opportunity to save. When I graduated high school I had nothing. I joined the service, lived in the barracks, ate at the mess hall and when I got out I worked remote Alaska for four years, free room and board. My only expense was my calling card. To be honest all though I've never been a super earner or a savvy investor as an adult I've never had money problems.
Not upgrading your dinnerware for 50 years also helps... :wink2:

Deciding When to Retire

100%. Values surrounding consumerism and debt have gone completely in the toilet.
It's funny, at work all of the old timers pack their lunch. All of the snot nose entry level kids order Ubereats for lunch. The get their nails did and their eyebrows plucked at the Vietnamese salon next door for a cool 80 bucks. Kids today have no chance because they can't manage their money. The thing is they're all living with their parents and aren't taking advantage of the opportunity to save. When I graduated high school I had nothing. I joined the service, lived in the barracks, ate at the mess hall and when I got out I worked remote Alaska for four years, free room and board. My only expense was my calling card. To be honest all though I've never been a super earner or a savvy investor as an adult I've never had money problems.
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Deciding When to Retire

I think the big difference between now and 1980 is it's so much easier to blow your money now in comparison to back then. Back then you pretty much had to leave home and walk into a store or restaurant or wherever it was to blow your money. Now you can do it from home sitting on your ass using a cash app.
100%. Values surrounding consumerism and debt have gone completely in the toilet.
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TE Max Klare (All B1G, Los Angeles Rams)

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Another former Ohio State standout has officially put pen to paper on his first NFL contract. Former Buckeye tight end Max Klare signed his rookie deal with the Los Angeles Rams on Friday.

The Rams selected Klare in the second round with the No. 61 overall pick in the 2026 NFL Draft. He signed a four-year rookie contract projected to be worth just over $8 million, including a $2.3 million signing bonus.
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LB CJ Sanna (Official Thread)

Better Know a Buckeye: CJ Sanna’s Rise In Just Two Years at Middle Linebacker Shows His Raw Ability and Potential

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Scouting Report

In the middle of the Olentangy defense, Sanna showcased his football IQ, awareness, and instincts. With his ability to run downhill, he excels as a QB spy and run stopper. He uses his eyes and elusiveness to avoid opposing blockers and make plays on the ball.

Sanna made a habit of trucking opposing ballcarriers over with his strength and size in high school, but he must wrap them up more consistently as he goes against bigger and stronger players at the collegiate level.

With just two years of full-time linebacker play under his belt, Sanna has shown the ability to be a dominant playmaker in the middle of the defense while having plenty of room to learn and grow at Ohio State.

Depth Chart Outlook
Just like he was in the latter two years at Olentangy, Sanna is projected to be a Mike linebacker for Ohio State. With that, his first season as a Buckeye will certainly be a developmental one. Payton Pierce will lead the depth chart at Mike linebacker for Ohio State in 2026, while Riley Pettijohn, fellow freshman Cincere Johnson and rising sophomore Eli Lee are among the other Buckeyes who will likely be ahead of him on this year’s depth chart.

Sanna must develop well to become a future starter in the loaded linebacker room that James Laurinaitis has built, but playing for one of the best linebacker coaches in the country will give him a chance to maximize his potential and become a difference-maker for the Silver Bullets.

Player Comparison: Tommy Eichenberg​

After redshirting his first season as a Buckeye in 2019, Eichenberg received very minimal playing time in his second season in Columbus, totaling just two tackles. But he started to make a name for himself in his third year at Ohio State and became a dominant linebacker as a redshirt junior in 2022.

In his fourth season with the Buckeyes, Eichenberg notched 120 tackles (12 for loss), 2.5 sacks, an interception and three pass breakups. The 6-2, 235-pounder totaled 268 tackles (21 for loss), 2.5 sacks, two interceptions (one pick-six), five pass breakups, a forced fumble and one fumble recovery in his final three seasons at OSU. He was a fifth-round pick in the 2024 NFL draft following his fifth season with the Buckeyes.

Sanna, like Eichenberg, is an in-state linebacker prospect who was a four-star recruit. Also like Eichenberg, Sanna will likely need multiple years of development before he plays a major role for the Buckeyes. But if Sanna can continue to develop into a do-it-all middle linebacker after switching to the position before his junior season in high school, the 6-2, 230-pounder could follow a similar path as Eichenberg to eventually starring in the middle of Ohio State’s defense.
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Ugliest OSU Helmet I've Ever Seen

Just sayin': Here's the ugliest Ohio State helmet that I've ever seen...

Remember When: Ohio State, Not Michigan, Introduced Winged Helmets to College Football in the 1930s
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Who was the first college football team to wear winged helmets? The answer might surprise you.

Nowadays, the idea of Ohio State wearing winged helmets would be considered blasphemy. Over the past 88 years, the winged helmet has become synonymous with Michigan, Ohio State’s hated rival. The only time you’ll ever see a Buckeye wear a winged helmet in modern times is during the practice week leading up to The Game, when Ohio State’s scout-teamers don maize and blue helmets and jerseys to help the Buckeyes prepare to play the team up north.

For five years in the 1930s, however, Ohio State was the team wearing winged helmets in The Game.

Sam Willaman’s Buckeyes were the first college football team to wear winged helmets when they adopted the design in 1930. Their version of the winged helmet, designed by Spalding, had more to do with safety than aesthetics; according to SpartanJerseys.com, the lighter-colored wing, placed on top of a dark-colored leather helmet, was put in place as extra padding to help protect players from collisions.

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Ohio State wearing the winged helmets during a 27-0 win over Navy in 1930.

Ohio State wore the winged helmets through Francis Schmidt’s first season in 1934 – when the Buckeyes earned their first of four straight shutout wins over Michigan under Schmidt – before switching back to solid-colored helmets in 1935.

The Buckeyes weren’t the only team to wear winged helmets before the Wolverines. Indiana, Georgetown and Michigan’s other rival, Michigan State, also wore versions of the winged helmet in the early 1930s. Indiana’s winged helmet design looked similar to Michigan’s, with three white stripes running across the top of the helmet from front to back, but the direct inspiration for Michigan’s helmet design came from Princeton.

Princeton began wearing its winged helmets, with three orange stripes on a black base, during its undefeated national championship season of 1935. The Wolverines began wearing winged helmets three years later, in 1938, when Michigan hired Fritz Crisler away from Princeton to be its new head coach. Nearly nine decades later, the blue helmets with maize wings remain a staple of the Wolverines’ uniforms.

Ohio State never wore winged helmets again after the 1934 season, but the modern-day Ohio State helmets that now rank among college football’s iconic designs weren’t introduced until 1968. After Woody Hayes and athletic trainer Ernie Biggs introduced the concept of awarding Buckeye Leaf helmet stickers to players in 1967, Ohio State switched to silver helmets with a scarlet, white and black stripe in the center for the following season. The “Super Sophomores” led the 1968 Buckeyes to a 10-0 season and a national championship, and Ohio State’s now-emblematic helmet design remains nearly unchanged 58 years later.
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Deciding When to Retire

$100 in 1980 purchasing power is the equivalent of about $400 today. So, a $3 hourly wage in 1980, would need to be $12 hourly today to have the same purchasing power. $17 > $12. :sneaky:
I think the big difference between now and 1980 is it's so much easier to blow your money now in comparison to back then. Back then you pretty much had to leave home and walk into a store or restaurant or wherever it was to blow your money. Now you can do it from home sitting on your ass using a cash app.
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NHL (Official Thread)

Hurricanes choose to not touch Prince of Wales trophy after win over Canadiens

After punching a ticket to their first Stanley Cup final in 20 years, Carolina followed Rod Brind'Amour's advice: 'Do what you want, but don't touch it'

On the brink of their first Stanley Cup since 2006, the Carolina Hurricanes did not want to tempt fate.

The Hurricanes crushed the Montreal Canadiens to win the Eastern Conference finals 4-1. Afterwards, when being presented with the Prince of Wales trophy, Carolina chose to not touch the trophy — a decision that is rife with superstition.

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Historically, the decision to not touch or touch the trophy doesn’t have much consistency in the outcome. Of the 10 teams over the past 20 years who touched the trophy, four have not won the Cup, per NHL.com.

But hockey players are incredibly superstitious, and the few success stories after not touching it are enough to make the solution clear. The Florida Panthers, who won the past two Stanley Cups, lost the final series in 2023 after touching the conference trophy, but came back to win it twice after not touching it.

And in Hurricanes’ history, in the team’s only other Eastern Conference finals win in 2002, captain Ron Francis picked up the trophy. Carolina went on to lose the 2002 Stanley Cup in five games to the Detroit Red Wings.
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Football, Futbol, Soccer, etc. (Official Thread)

PSG beat Arsenal on penalties to retain Champions League title

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Paris Saint-Germain became just the second team to win back-to-back Champions League titles after rallying to beat Arsenal following a penalty shootout in Budapest, Hungary, on Saturday.

Arsenal defender Gabriel Magalhães smashed the decisive penalty over the crossbar to give PSG a 4-3 win in the shootout after the teams finished level at 1-1 following the end of extra time at the Puskas Arena.
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It was the first final to go to a penalty shootout since Madrid beat neighbors Atlético Madrid 10 years ago to win the first of those three titles.
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The next target for PSG will be to emulate Madrid's three in a row under Zidane. And with a starting lineup in Budapest with an average age of less than 24, Luis Enrique has built a team that has the potential to dominate for years.
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continued
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Deciding When to Retire

Probably a side conversation but you cannot buy the same with $17 an hour (or any amount). your purchasing power is 25-45% less.

To say that you can is factually incorrect
$100 in 1980 purchasing power is the equivalent of about $400 today. So, a $3 hourly wage in 1980, would need to be $12 hourly today to have the same purchasing power. $17 > $12. :sneaky:
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2026 scUM Shenanigans, Arguments, Arrogant Twatwaffles, Emasculated Cucks, Feckless Marmots, Dirty Cheaters "Mid"chigan

The comedy that would result from the new staff benching the 12 million dollar man for a generic 4 star freshmen would be some all time stuff. I'm sure Whittingham could give two fucks, he was heading to retirement anyways before desperate scUM came blowing him up. It would ruffle a lot of feathers in the scUM sphere though

Just sayin': scUM's QB2 is a RS/SR/TR from Colorado State

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scUM's QB3 is freshman Tommy Carr the grandson of LLLLLLLoyd Carr...:lol: and younger brother of CJ Carr the current Notre Dame QB.

scUM QB4 is is Chase Herbstreit... :lol:
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QB1 Julian Sayin (All B1G, B1G Frosh of Year, All American, National Frosh of Year, National Champion)

Howard was about damn perfect in deciding to run or throw. He was a decent athlete, but his decisiveness was the key. I think that can be learned, so I think Julian can get that decision making skill down. Lord knows the talent is there and he's a decent enough athlete.
RE: Julian Sayin's 77.0 completion percentage in 2025 is the best in single-season program history, is a Big Ten Record and also is third highest in FBS history (Bo Nix in 2023 at Oregon (77.4 pct.) and Mac Jones in 2020 at Alabama (77.4 pct.)).

Will Howard was a 5th year senior and had 4 years of experience at K-State under his belt when he came to Ohio State. Julian Sayin pretty much sat of the bench in 2024 as QB3 watching Howard play. In 2025 Ohio State didn't have the best OL or QB2/QB3. Besides not always having a lot of time to set up in the pocket and he was told not to run (to minimize his chances for an injury)he threw a lot of passes away just to avoid a sack. With a year of actual experience/more film watching/additional coaching I would expect him to be able to read defenses much faster and he should be able to see when he has an opportunity to run for a first down, not be hit, and just go out of bounds or take a feet first slide. He's the most accurate passer that has ever been at Ohio State, the WR room could very well be the best in the nation, and overall the RBs much are better than average. If Ohio State can fix last year's "Achilles heel" (i.e. the OL) there's a very high ceiling in what Julian Sayin should be able to accomplish in 2026.
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WR Coach Cortez Hankton (Official Thread)

Back 'in the day', was publicized that Woody gave several of his raises to his assistant coaches. He famously said 'I've got enough, so want some to go to my assistants' or somesuch wording. Always thought that was cool. Also believe that Day/Bjork will reward those assistants who produce in recruiting talent, and how well their position group performs on the field. Script, do you have an update of the 2026 salaries for the group you can post? Would think a side-by-side year-over-year picture would be telling. Lest we forget, for the working stiffs of the world (including me), $500,000 a year isn't chump change. And, inevitably, other schools are going to try to poach these guys, especially the high performers (see above), and we'll see how Day/Bjork respond. Maybe Day would take a cut to help out? Dunno.

Matt Patricia Becomes College Football’s Highest-Paid Coordinator With $3.75 Million Salary, Arthur Smith to Make $1.5 Million in 2026

March 10, 2026
Matt Patricia is now the highest-paid assistant coach in college football.

After leading the nation’s top defense in his first year with the Buckeyes in 2025, Ohio State’s defensive coordinator will make $3.75 million in 2026 as part of a new three-year contract. His salary will increase to $3.85 million in 2027 and 2028, per the terms of his contract, which was obtained by Eleven Warriors on Tuesday through a public records request.

Patricia’s new contract comes after he received offers from NFL teams that were interested in hiring him as their defensive coordinator. Ultimately, Patricia decided to stay at Ohio State, and Ohio State made sure he was compensated accordingly.

“Did he have options? Yes. But I think he found a lot of joy in making an impact on these guys' lives at a different point in their lives than what he was used to in the NFL. And so we were able to work something out to keep him here,” Ryan Day said Tuesday.
“We knew that was important. The guys really enjoy working with him and learning from him.”

OHIO STATE'S 2026 ASSISTANT COACH SALARIES
COACH TITLE 2026 SALARY 2025 SALARY CHANGE CONTRACT END
MATT PATRICIA DEFENSIVE COORDINATOR $3,750,000 $2,500,000 +$1,250,000 2029
TIM WALTON ASSISTANT HEAD COACH/CO-DEFENSIVE COORDINATOR/SECONDARY COACH $1,800,000 $1,800,000 $0 2028
LARRY JOHNSON ASSOCIATE HEAD COACH/DEFENSIVE LINE COACH $1,600,000 $1,400,000 +$200,000 2027
ARTHUR SMITH OFFENSIVE COORDINATOR $1,500,000 N/A* N/A 2028
KEENAN BAILEY CO-OFFENSIVE COORDINATOR/TIGHT ENDS COACH $1,000,000 $650,000 +$350,000 2028
TYLER BOWEN OFFENSIVE LINE COACH/RUN GAME COORDINATOR $1,000,000 $900,000 +$100,000 2028
MATT GUERRIERI PASSING GAME COORDINATOR/SAFETIES COACH $1,000,000 $900,000 +$100,000 2028
CORTEZ HANKTON WIDE RECEIVERS COACH $900,000 $1,000,000* -$100,000 2028
JAMES LAURINAITIS LINEBACKERS COACH $900,000 $500,000 +$400,000 2028
BILLY FESSLER PASSING GAME COORDINATOR/QUARTERBACKS COACH $750,000 $475,000 +$275,000 2028
CARLOS LOCKLYN RUNNING BACKS COACH $700,000 $650,000 +$50,000 2028
ROBBY DISCHER SPECIAL TEAMS COORDINATOR $400,000 $400,000* $0 2028
*Hankton coached at LSU and Discher coached at Illinois in 2025. Arthur Smith was the Pittsburgh Steelers’ offensive coordinator in 2025, but his NFL contract was not subject to public record.

New Ohio State offensive coordinator Arthur Smith will make $1.5 million in 2026 and $2 million in 2027 on a two-year contract. Wide receivers coach Cortez Hankton will make $900,000 in 2026 and $1 million in 2027 on a two-year contract. New special teams coordinator Robby Discher will make $400,000 in 2026 and $450,000 in 2027 on a two-year contract.
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In total, Ohio State will pay its assistant coaches $15.3 million in 2026, its largest assistant coach salary pool ever, after expanding its full-time coaching staff from 10 coaches to 12. That’s an increase of more than $3.5 million from 2025, when Ohio State paid its assistant coaches $11.775 million in salary, not including bonuses.

That’s in addition to the $12.5 million Ohio State will pay Day, who’s in the second year of a seven-year contract that he signed with Ohio State last year.

Ryan Day, Ohio State Agree On a New Seven-Year Contract Valued at $12.5 Million Per Year

February 6, 2025
Ryan Day has a new contract.

Ohio State announced Thursday that Day and the school's athletic department have agreed in principle to a new seven-year contract, worth $12.5 million in total annual compensation, that will keep the head football coach in Columbus through the 2031 season. Terms of the contract, which add three years to his current agreement.

In addition to his base pay, Day will also remain eligible for a multitude of bonuses based on his team’s performance, as listed below:
  • $50,000 for a team GPA of 3.0 or higher, which increases to $100,000 if GPA is 3.3+ and $150,000 if GPA is 3.5+
  • $50,000 for a Big Ten Championship Game appearance, which increases to $250,000 for a Big Ten Championship Game win
  • $100,000 for a College Football Playoff appearance, which increases to $250,000 for a quarterfinal appearance, $300,000 if Ohio State earns a first-round bye into the quarterfinals, $350,000 for a semifinal appearance, $500,000 for a national championship game appearance and $1 million for a national championship game win
  • $50,000 for a Big Ten Coach of the Year award
  • $100,000 for a national coach of the year award
Should Ohio State fire Day without cause, it would owe Day a buyout of $11.5 million per year for each remaining year on the contract, though he would be required to pursue other work and those buyout payments would be reduced by his pay in his subsequent job.

Day would owe Ohio State a $6 million buyout if he left Ohio State before Jan. 31, 2026. That buyout decreases to $4 million on Feb. 1, 2026 and by $500,000 for every subsequent year thereafter, down to $2 million if he leaves Ohio State after Feb. 1, 2030 and no buyout if he leaves Ohio State after Feb. 1, 2031.
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Deciding When to Retire

The more interesting question isn't "when" but "where"...

Florida real estate getting more affordable.
Some countries in Europe are ending Golden Visas, but others are still giving incentives.
Asia (vietnam, thailand), South America (Honduras, Costa Rica)...

Urban to rural vs rural to urban - eg rustbelt to NYC or ATL or ABQ vs getting outta the big noisy city out to big sky country.

Others? Digital nomads? Buy a room on a cruise ship? Buy a farm or a fruit orchard?
Not Florida dude.

Whatever the hell you do, don’t do Florida.

Deciding When to Retire

The more interesting question isn't "when" but "where"...

Florida real estate getting more affordable.
Some countries in Europe are ending Golden Visas, but others are still giving incentives.
Asia (vietnam, thailand), South America (Honduras, Costa Rica)...

Urban to rural vs rural to urban - eg rustbelt to NYC or ATL or ABQ vs getting outta the big noisy city out to big sky country.

Others? Digital nomads? Buy a room on a cruise ship? Buy a farm or a fruit orchard?
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Deciding When to Retire

I think we are talking around one another. A person who made minimum wage in 1980 could not afford any of those things at $2 an hour either. Nothing has changed that much. 1980 had interest rates around 15% as well.

Minimum wage in IL isn’t $2 an hour anymore, it’s $17 an hour. Work a little OT and you’re looking at $40k per year. That’s why there is inflation. Apples to apples, even with inflation, you can afford a hell of a lot more on $17 per hour today than you could $2 an hour 45 years ago.

Anyway, the beauty of 401k math is that if you deduct $2k (5%), and your employer matches the $2k (most do, including mine), that’s $4k per year in your 401k. Since it’s pre-tax, that takes that $40 per week deduction, and reduces it to around $30 per week, or $1500 per year. So, you are choosing to forego $30 per week in instant gratification, for $4000 per year in capital growth. Put that $4000 per year in a compound interest calculator at a rate of 12% (S&P’s since 1980), and you end up with $4.4 million dollars. $30 per week or $4 million? This is the exact presentation I have management give our new employees.
Probably a side conversation but you cannot buy the same with $17 an hour (or any amount). your purchasing power is 25-45% less.

To say that you can is factually incorrect
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Deciding When to Retire

I think we are talking around one another. A person who made minimum wage in 1980 could not afford any of those things at $2 an hour either. Nothing has changed that much. 1980 had interest rates around 15% as well.

Minimum wage in IL isn’t $2 an hour anymore, it’s $17 an hour. Work a little OT and you’re looking at $40k per year. That’s why there is inflation. Apples to apples, even with inflation, you can afford a hell of a lot more on $17 per hour today than you could $2 an hour 45 years ago.

Anyway, the beauty of 401k math is that if you deduct $2k (5%), and your employer matches the $2k (most do, including mine), that’s $4k per year in your 401k. Since it’s pre-tax, that takes that $40 per week deduction, and reduces it to around $30 per week, or $1500 per year. So, you are choosing to forego $30 per week in instant gratification, for $4000 per year in capital growth. Put that $4000 per year in a compound interest calculator at a rate of 12% (S&P’s since 1980), and you end up with $4.4 million dollars. $30 per week or $4 million? This is the exact presentation I have management give our new employees.
skip that dunkin / mcd's / starbucks stop every morning and get your coffee / eggs / bagel at home... $4.4 million dollars.
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