Deciding When to Retire
- By DubCoffman62
- Open Discussion (Work-safe)
- 124 Replies
Not upgrading your dinnerware for 50 years also helps...![]()

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Not upgrading your dinnerware for 50 years also helps...![]()

Not upgrading your dinnerware for 50 years also helps...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.

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.100%. Values surrounding consumerism and debt have gone completely in the toilet.
100%. Values surrounding consumerism and debt have gone completely in the toilet.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.
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 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.![]()
$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.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

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
and younger brother of CJ Carr the current Notre Dame QB.
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.)).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.
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.
| 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. |
Not Florida dude.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?
Probably a side conversation but you cannot buy the same with $17 an hour (or any amount). your purchasing power is 25-45% less.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.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.