Withdrawing From Your 401(k)
episode
DIY Money | Personal Finance, Budgeting, Debt, Savings, Investing
22 min
3 speakers
2 chapters
transcribed 1 month ago
Transcript
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Transcript generated automatically by AI and may contain errors.
What personal story introduces the episode and why does it matter?
Hey, this is Allie, and thanks for listening to the show. Give us a five-star review where you listen and share this episode with someone who might need to hear it. Now, enjoy the show. Ladies and gentlemen, you're listening to another edition of DIY Money.
DIY Money.
Logan in the house. In the house.
Quint, we have to talk about it. I don't want to talk about it. We have to talk about it. I don't want to talk about it. The good news is at least people are prepped on the wind. We know we hate wind, so let's talk about it.
You know what I find funny about that is you made a comment because I was like, the wind, and you were like, what? What? The wind? What are you talking about? So, yeah, race update. It was bad. It was bad. And what's really discouraging about it is it was worse than the September race. If anybody, you know, just to catch you folks up, I have been for the last two years, two years of my life, trying to qualify for the Boston Marathon. Very difficult. Not only is qualifying times difficult, but then... If you know anything about Boston qualifying, if you qualify, it's like, oh, yeah, I qualified. That's amazing. And then you don't really know if you're going to be able to get into the race because in order to limit the field, they tack on a buffer.
So in September, I qualified. I ran a 310.50. My qualifying time was 315. I had a 410 buffer. Thought I was pretty good.
Mm-hmm.
And the buffer was 434. I missed it by 24 seconds. It was terrible. So for over a period of 24 hours, I completely gave up running. Admittedly, probably drank a full bottle of wine myself, sat on the couch. I hated life and then got back at it and started training again throughout this winter, which was miserable.
And you were out running miles and miles.
Oh, sleet and snow and the wind. But anyways, towed the line at the same race that I ran back in September just this past weekend and noticed very early a couple things that were going against me.
How did Quint's marathon experience set the tone for this conversation?
One was the fact that it was about... 15 to 20 degrees warmer than ideal temps. I mean, you're just part of life, right? Marathon's part of life. But that makes your heart rate go up quicker. It makes you possibly get into your lactate threshold faster. And if you know anything about that, you have a limited time in that zone to kind of compete. So anyways, I knew that was an issue, potential issue. But the real problem was it's a loop. It's a three-mile loop. Mm-hmm. And it's designed for this purpose. This is not like a destination race. This is a go out and run.
You're not seeing a bunch of cool.
No, this is a go out, run this loop, try to qualify for Boston's literally call the Boston qualifier 2.0. So I did this and I get on this backside of this loop and it's about a mile and a quarter stretch. And I mean, I'm not even joking when I say there was like a 15 mile an hour headwind and And it was laughable. Like I thought of our conversation. I thought of all the times. And I was like, and then in your mind, I'm like, okay, well, I'll do what I can do. And then I'll catch the tailwind and maybe I'll make up time. And I did that for one lap, looked at my watch. I was targeting like a 704, 705 pace, looked at my watch. I was on pace. And then I turned the corner again, hit that headwind again. And I was like, there is no way.
I knew, I mean, it wasn't, my wife is on the course. She's like, I didn't know what to say. And I'm like, there's, it's not like a pump you up moment. It's not like Rocky, like you can do it. It's just like, you're looking at your heart rate. Your heart rate's exploding. The wind is in your face. And I'm like, it's just not my day. And I literally within eight miles in, I was like, it's not happening today. It's a hundred percent not happening. And so my next thought was, I'm done. I'm going to walk off the course. And I'll meet my wife, and we'll go home and have a nice breakfast. I'll have run eight miles, right? I'll be fine. And we'll look for another race next weekend or the following weekend. Well, that wasn't realistic.
Like, there's no world in our calendar right now where that would be happening.
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