FI
Fiserv, Inc.
stock NYSE

I’m unclear what you mean “do that”? I’m saying there is no recourse in “recovery”. Only compensation to some extend since there is ZERO government backing and blockchain is immutable. - read: I agree with you there.
However If the banks (I assume they are regulated) provide custody (in regulated capacity) and the VA in custody got stolen, then it depends if they can attribute the loss to custodial bank’s own inadequate infrastructure or bad security or lack of prudent risk management framework or simply internal fraud or deficiency in prevention, or breach of fiduciary duties etc( since the context of the discussion is that “not your key not your coin” and I assumed burden rests with the FI), it’s likely then bank’s own commercial crime insurance will be used first, but that usually only carries some aggregate amount limit and can not reimburse all (assuming heist is big amount) so yeah that is a read gap risk.
If we are talking non regulated venue then I 100% agree there is nothing you can do.

Good enough for what? To retire? I think he probably has that covered. You don't always have to risk everything to set a high score. Life isn't a video game.
I'm mid 40s with fairly similar income to the thread starter. I am not concerned with saving enough to retire, I'm already FI by all reasonable measures. I increase bond allocation annually to get to 80/20 by 50. Why? Because I like having insurance, life is unpredictable. It makes me feel better seeing some green on red days. It smoothest out the ride.

Doch natürlich. Alles was die Sparkasse benutzt, speziell das gesamte OSPlus-Kernbanksystem worauf quasi alles basiert ist vollständig von der FI entwickelt und wird natürlich auch in vollständig eigenen Rechenzentren betrieben.

Verstehe auch nicht, was u/Gensunger meint. Die FI (hauptsächlich), S-Payment und co übernehmen alle IT-Dienstleistungen für die Sparkassen.

For sure! I’ve learned and evolved over time these exact points. We all can take our owns paths but there’s some things you should do, some you should not, and some wiggle room where personal preference can still mean you’re headed on a smart path to FI.

Got two this last week. Slabbed pr69 proof on an AGE with a FI Reagan label for a random pull. Made the wait worth it. So far I’ve gotten 6 slabs on random pulls and 3 were 70’s.

I’m unclear what you mean “do that”? I’m saying there is no recourse in “recovery”. Only compensation to some extend since there is ZERO government backing and blockchain is immutable. - read: I agree with you there.
However If the banks (I assume they are regulated) provide custody (in regulated capacity) and the VA in custody got stolen, then it depends if they can attribute the loss to custodial bank’s own inadequate infrastructure or bad security or lack of prudent risk management framework or simply internal fraud or deficiency in prevention, or breach of fiduciary duties etc( since the context of the discussion is that “not your key not your coin” and I assumed burden rests with the FI), it’s likely then bank’s own commercial crime insurance will be used first, but that usually only carries some aggregate amount limit and can not reimburse all (assuming heist is big amount) so yeah that is a read gap risk.
If we are talking non regulated venue then I 100% agree there is nothing you can do.

Good enough for what? To retire? I think he probably has that covered. You don't always have to risk everything to set a high score. Life isn't a video game.
I'm mid 40s with fairly similar income to the thread starter. I am not concerned with saving enough to retire, I'm already FI by all reasonable measures. I increase bond allocation annually to get to 80/20 by 50. Why? Because I like having insurance, life is unpredictable. It makes me feel better seeing some green on red days. It smoothest out the ride.

Doch natürlich. Alles was die Sparkasse benutzt, speziell das gesamte OSPlus-Kernbanksystem worauf quasi alles basiert ist vollständig von der FI entwickelt und wird natürlich auch in vollständig eigenen Rechenzentren betrieben.

Verstehe auch nicht, was u/Gensunger meint. Die FI (hauptsächlich), S-Payment und co übernehmen alle IT-Dienstleistungen für die Sparkassen.

For sure! I’ve learned and evolved over time these exact points. We all can take our owns paths but there’s some things you should do, some you should not, and some wiggle room where personal preference can still mean you’re headed on a smart path to FI.

Got two this last week. Slabbed pr69 proof on an AGE with a FI Reagan label for a random pull. Made the wait worth it. So far I’ve gotten 6 slabs on random pulls and 3 were 70’s.

Just today? I'm getting fuck for buying semi stock.....should have pulled a buffet or just went with FI

Ich arbeite in einer Sparkasse. Die FI hat uns pünktlich um 14 Uhr 31.000 Kunden in Verbindung mit russischen Finanzsanktionen gemeldet. Deren Konten, Karten, Wallets, Onlinebanking Zugänge usw. wurden komplett gesperrt und die Compliance darf jeden Kunden einzeln wieder entsperren. Die, die sich bei uns melden werden priorisiert behandelt.
Also genau das was man vorm Wochenende bearbeiten möchte....

Mh genau was man bei der FI Freitags zum frühen Abend hin braucht.

As someone childfree and ambivalent about marriage/life partnership AND very Type A and independent, I’ve been planning for retirement since my mid-20s lol
I’m in my mid-30s now. No big properties (car or real estate) kasi it doesn’t fit my lifestyle valuing flexibility and mobility, kaya my full NW is liquid. Right now, I have about 75% invested - majority in USD-denominated UITFs/ETFs (VT majority, with a portion in VTI and QQQ for faster growth), with a few in Peso Bonds and REITs. I also have mga 15% of my NW in my employer's pension scheme, though I'm currently in the middle of a gap year/mini-retirement.
I'm lazily working toward Coast FI, but I also try to enjoy the present as much as I can. I'm lucky coz I've been earning well by global standards while living in MCOL-VLCOL cities all over Asia for my job (like rural areas in a low-income country as the cheapest and Makati as the most expensive), so I've been able to really frontload a lot of savings/investment for retirement while still maintaining a low-key bougie life. Pero kasi, I've decided na I want to take gap years/mini-retirement throughout my adulthood para 'di lang 'pag matanda na mag-eenjoy, so I also save up for those years, para even if I usually earn super little lang (some projects here and there) at that time, I can keep the same lifestyle and even still travel. I’m half a year into my current mini-retirement, and this is the second time I’ve done this na.
But yes, I have a number I'm chasing based on my current expenses at my current lifestyle (which I'm happy with, and is realistic coz I’ve been living alone for most of the last 10 years) adjusted for inflation, with extra for medical costs, end-of-life care, and the possibility of euthanasia as an option. Buying my own home eventually is something I’m considering, but I also have my family home as a fallback coz it’s just me and my sibling naman and we’re both childfree (though she’s married). As for end-of-life care, I am considering rin both retirement homes with a strong social and wellness focus, or personal caregiver. Let’s see!
I actually love working though, so as long as kaya ko pa, I don't really want to fully retire even into my old age, but I want to make sure that I don't \*have\* to work for money anymore by my 50s. Since I won't have any heirs (my only sibling is also childfree), I don't optimize for tax efficiency. I'm hoping that by the time my assets get taxed, the PH Government will put the money to good use.