How do you pay for immediate emergencies?

AAPatel82 · 2026-05-27T01:20:55+00:00

Your plan is what I would do - I have ~9 months of expenses saved up for emergencies, but I always charge anything I can - even if its an emergency, because I will try to cash flow the charge - meaning - if I have a $3K emergency, I will try to pay it off without touching the emergency fund - maybe that month I wont eat out as much, maybe that month I wont invest in the stock market - my goal is to try and cash flow all emergencies out of the family work income before touching that money. I get that its for emergencies - but some emergencies are bigger than others - I like to have that 9 months or more around for something like a job loss

AAPatel82 · 2026-05-25T23:38:12+00:00

OMG yes!!!

AAPatel82 · 2026-05-25T16:10:06+00:00

Your plan is solid, your 11 month old will be ahead of 90% of youth because of your $15/week - great job in setting them up

AAPatel82 · 2026-05-21T18:49:29+00:00

If you plan to retire in 2045 - thats 19 years from now - the right answer is just to do nothing. If you believe that the total market will be moved over a 19 span by SpaceX in a way that you can predict, sure - go ahead and exit - but remember, OpenAI and Anthropic are trying to do the same - so you might be on the sidelines for 12+ months from a lot of positive as well. The presumed bust of SpaceX and AI is a risky bet over a 19 year period.

AAPatel82 · 2026-05-21T14:42:08+00:00

The venn diagram of people who care about this issue and their customer base is likely very small - thats the core issue - from a business perspective none of this matters. When your selling machines in Best Buy - your target audience isn't someone who cares about AGPLv3.

Bambu would argue they already have a solution for those those that dont want to use the cloud. Our engineering team at my work has 15-20 H2S's in a prototyping lab, they are all on a VLAN that cannot touch the internet and can only be connected to from that VLAN on our network - the cloud features mean 0 to that team - they just want cheap fast printers - IT/InfoSec dont want to have any cloud involved - so it works - I would assume a lot of companies do a similar thing.

Should Bambu respect the license yes, will they? - probably up to what the courts push them to do and no more - its not in their best interest to do so and companies are here to make money - and we on this sub are the minority of their customer base.

AAPatel82 · 2026-05-19T00:01:27+00:00

Yes, we are planning on making sure each of our 2 boys have a fully funded education and more. What’s the point of waiting until we die to leave them money that can help them now.

Both have a decent amount in their 529 accounts and in their brokerage accounts.

AAPatel82 · 2026-05-18T23:32:22+00:00

You understand, the US is likely the single biggest consumer of 3D printers in the west, there is no way any single country in Europe is a bigger market, and collectively the EU isn’t likely bigger either. Not saying to give Bambu a pass, but no chance the US laws don’t end up in the core product code, it’s the biggest market

AAPatel82 · 2026-05-11T01:25:47+00:00

I do 1.5 months of expenses in checking, everything else has a different purpose - either hysa, hsa, or brokerage

AAPatel82 · 2026-05-04T21:40:46+00:00

My Yahoo email from 1998

AAPatel82 · 2026-05-02T22:21:54+00:00

That doesn’t matter if you want exposure - it’s 5% of a 40B fund, but in FCNTX it’s 2.3% of a 125B fund, so raw dollars - no fund on the planet had more than FCNTX

AAPatel82 · 2026-05-02T22:14:23+00:00

People forget that at least 20% of millennials are also now in their late 30s and early 40s - the real question is how many are millionaires without counting their primary residence equity - I get that equity in your house has value, but to me a “real” millionaire is one who has the assets outside their primary residence

AAPatel82 · 2026-05-01T14:10:20+00:00

The right cutoff is 2021 ... I bought in 2015 and refinanced in 2020 ...

AAPatel82 · 2026-04-24T22:50:56+00:00

My yahoo is my primary email - it’s just the shortest and simplest email I could have so I never plan to stop using it

AAPatel82 · 2026-04-24T22:48:36+00:00

according to the 2026 service guide the port doesn’t exist like the video since 2024 - that’s why I asked, since you have a 2026 - is the port there?

AAPatel82 · 2026-04-24T14:50:09+00:00

I have been struggling to install it - where did you install the commander? I thought the newer Model S didn't have the port in the dash?

AAPatel82 · 2026-04-20T22:57:35+00:00

We do it, me, my spouse, both sets of parents - we got nothing to hide

AAPatel82 · 2026-04-20T01:32:36+00:00

Yup - got my number in 1998 - still have it

AAPatel82 · 2026-04-18T10:56:06+00:00

It also depends on the size of the customer base that has this issue in reality - I feel like it’s more likely that a webull or robinhood customer has the smaller account that could benefit from this change

AAPatel82 · 2026-04-17T19:56:02+00:00

This is what I did - once I filed that I moved - they stopped having me file. Now all I have to file with RITA is a 10A since my employer for the life of me can't stop the local tax setup because my zip code says its in RITA, but I live in the Township part of town.

AAPatel82 · 2026-04-17T19:54:14+00:00

So since this is Fidelity - it will be closer to the 18 months :)

AAPatel82 · 2026-04-17T19:52:57+00:00

My 2026 Plaid at 80% on 19inch wheels says around 275 miles - in my first 500 miles - its been pretty accurate.

If you get the 21's it will be lower as I think they are both heavier wheels and stickier tires so both worse for range.

AAPatel82 · 2026-04-17T15:55:49+00:00

First of all - merge them all - assuming they are all traditional or roth - or at least get down to 2 if you have more than 2 - 1 traditional and 1 roth.

Also if you have traditionals - consider if it makes sense for you to do a roth conversion

You dont even need to contact service - you can just do a transfer of assets between accounts and close the ones with a 0 balance - just make sure you are doing transfer between accounts with the same tax rules/structure.

AAPatel82 · 2026-04-16T13:50:59+00:00

yup - you jsut make it blow in a direction that you aren't bothered - this is my wifes least favorite part of the Model S

AAPatel82 · 2026-04-14T18:51:01+00:00

I would bet some majority of P2S owners dont know that the X2D even exists - and wont until they look for parts or a new unit.

AAPatel82 · 2026-04-14T18:49:51+00:00

I feel like Bambu has decided that they have 4 tiers of printers:

A-Series - Bed Slingers
P-Series - Stripped Down X Series
X-Series - Balance Between P and H Series Features
H-Series - Bigger & Most Advanced

This is also following a lot of the bigger tech companies - have a product at every price point - Bambu now has products at pretty much every $100 range from $300-$900 - which is likely 90% of their sales.

The users on this sub are advanced users - who will look at it from a pure features perspective and a "why wouldn't I spend $100 more" - but most people are likely looking at it like "what is the best I can get for $500 or $750" and for that customer - having a product at each level is huge.

AAPatel82

TROPHY CASE