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The week's question
In March 2025, in the thread "Re: OT, out", Umm asked the members: "Do you think it is because America is made up of magical soil that makes businesses based in America magically profitable?" This week it is put to everyone again. The button below opens the small thread re-asking it - read what others have said so far, then give your own answer as an ordinary reply.
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Personal Finance / Retirement Investing
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Author: ajm101 ✭  😊 😞
Number: of 1355 
Subject: Re: From broke to $23 MM net worth w/ index funds
Date: 01/20/26 9:05 PM
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No. of Recommendations: 6
So: why the difference?

You both seem to have enough saved up and made some incredibly good decisions. Whatever the differences are, you seem to have that very important thing in common. It doesn't sound like you regret any of the money that's not there!

Regret is damn expensive.

I want to particularly say that

- I was v substantially underpaid the first 7-8 years in practice, due to a poorly run practice. I tolerated bc: good group; declining parents nearby; good community to live & raise kids

is a great reminder that we actually aren't paid in money, we are paid in money adjusted to our own, unique utility function (Wikipedia: Utility - Wikipedia). Sounds like you actually made an excellent economic decision in that regard.
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This community has written 1,284 posts about Retirement Investing. The article-length ones it recommended most:
The Case for Long-Term Buy and Hold Investing · 49 recs · 2025
Transferring assets to the next generation · 20 recs · 2025
Retirement Year 8 · 17 recs · 2025
(nearly) year one of retirement has been good · 11 recs · 2026
Buying Treasuries Via Vanguard · 10 recs · 2023
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