sjdb77

5 ms·

1.
by sjdb77 7y ago
No, for a single person a gold plan for Kaiser is $500/month, so $6k a year, but yes if I have $40k in investment income then I'd qualify for a premium tax credit, in this case my premium is capped to $318/month with the rest
2.
by sjdb77 7y ago
I only just left my job this year. I chose not to get health insurance for rest of year because it's just for myself and I don't use it. (yes, slightly risky but in good health and don't plan to stay funemployed forever) But
3.
by sjdb77 7y ago
Ok got it - yeah looks like it's around 4% with a $4k standard deduction.
4.
by sjdb77 7y ago
If I got into HBS or Stanford GSB I would definitely go still. If you do it right (e.g. invest in building relationships with other students, professors, investors) the ROI is massive.
5.
by sjdb77 7y ago
Isn't short term cap gains taxed like earned income, which below $50k a year is 0 in CA? For federal if you make <$52k (w/ standard deduction) you only pay like a 11% tax rate.
6.
by sjdb77 7y ago
I pay $2k in rent, so $24k. That leaves $1300/month for everything else. I'm easily below that most months. (No car, no drinking, cook during the week) I don't find SF to be any more expensive than any other "big" c
7.
by sjdb77 7y ago
Work for yourself eventually?
8.
by sjdb77 7y ago
Yeah...seems to incentivize day trading.
9.
by sjdb77 7y ago
Yeah...I realize I'm in a privileged position but just pointing out that if you're in a position to F.I.R.E. that taxes in California are actually low to nil for <$50k/yr despite its reputation as a "high tax state.&q
10.
by sjdb77 7y ago
The trick is usually to get a job locally in SF, do well for a couple years, and then ask to work remote.
11.
by sjdb77 7y ago
I'm not familiar with how freelancing income is different than other forms of income...isn't that just a regular 1099? Are you saying you didn't receive a tax refund during tax season?
12.
by sjdb77 7y ago
Remote work is becoming more "real" by the day, so it's certainly possible in the age of the internet to work remotely in a low cost location while making a salary competitive with a higher cost of living city like SF/NY
13.
by sjdb77 7y ago
I'm in a mini-retirement right now and living in SF. It was surprising to learn that below like $50k you basically pay 0 in income tax in California. As a single person I can very comfortably live off $40k/year in investment incom
14.
by sjdb77 7y ago
I feel like every YC batch must get 100 applications for a Meetup alternative. I wonder why nothing has sticked or worked. I find every aspect of Meetup to be very 2010 and hard to use.
15.
by sjdb77 7y ago
This is purely anecdotal, but I worked at Uber and just looking through the ex-Uber alumni groups I can see a lot of people who I know worked in SF have moved elsewhere (to NYC, LA, Austin, etc.) Also, Uber's workforce is more "de