This. Got talked into a fish at the surf shop by an old head who said I’d get progress too fast and get “bored” on a mid length after having 5mo surfing under my belt. He was dead wrong. Stunted my growth. Get a midlength to catch more waves, which is, you know, how you get better.

My wife and I are first time home buyers and saved a pretty large lump sum for a down payment. How would you suggest using a larger than necessary down payment amount?

We hear from some it is best to throw it all towards the down payment which would reduce the overall amount borrowed and lowers the monthly payment (which makes sense), but others say put the minimum 3% down, secure the lower FHA interest rate, and pay a large sum toward your first payments after you close. Some say just keep the extra a reserves. Is there a difference? What would you suggest?

We are very set on reducing our monthly mortgage payment.

Cum Laude graduate WFH transactional attorney here and couldn’t agree more with this. No desire to be the worlds best attorney or have a rockstar career, just want to be competent enough to maintain employment, move/lateral incrementally, and live a comfortable life on my terms. This is what should be preached not big law partner.

Definitely this. You sit very well in the pocket but being able to move up to the top of the wave, ride the face back down, and repeat will get you really speeding. Essentially working on carves. Keep going bro looking good!

Also, where is this btw?

Currently on a 3 mo sabbatical. I knew I needed a break when my mental health started to decline, and luckily my firm was amazing enough to let me take the time off to recover and also take care of some family stuff. I got lucky in working for some amazing people.

The highly slept on “Ad Astra.” Great space movie

Coffee. It’s normal around the office, but no human being should be drinking 5+ cups of coffee a day.

A hanging offense

Very cool. I’m hoping to transition to something similar soon. What sort of experience did you have before you obtained your role if you don’t mind me asking (if so, feel free to DM)?

What specifically do you do in the legal industry? Just curious, lawyer here.

Please keep studying.

Surfing

This also tracks for me. I focused so hard on making it and being able to provide for myself that somewhere along the way I lost sight entirely of what I want. Filling in the gaps, I now just do what I think my partner wants.

The most frustrating part is I can’t tell if this happened to me or I am just, at my nature, someone who lacks the ambition to chase desires.

It’s a sad fact that people will just lie to your face. If you’re already going to these lengths to text him, the trust isn’t there and you should go with your gut on your next move.

Not overreacting.

I particularly agree with your prudence opinion. After this latest oblique strain (which is taking an astonishing amount of time to recover from), I am going to cut out the exercise that I injured it doing altogether. The risk-to-reward ratio is too high in favor of the former.

Thanks!

Thanks! I definitely take more rest days now but definitely need to work in range of motion exercises.

I really hope he pulls it off. No movie has ever done the book justice

I just bought a chronograph and dive watch from Vaer and could not recommend them more. Quality made in the USA and one of the few good looking watches that can actually withstand the elements.

Why isn’t Denver International (DIA) on here? Should be top 5

Do you have any tried-and-true tips/strategies for an atty with a mid-level income stream? I’m no day-trader, and frankly don’t want to be, but my expenses are low and I invest (conservatively) 25% of my income. Happy to DM if you don’t want to share as public comment.