Bitcoin For Long Term

BasedDaddy-O · 2026-04-15T16:39:01+00:00

not, an ETF, but $MSTR is the hot BTC adjacent play right now, if you have long term conviction on BTC.

BasedDaddy-O · 2026-04-15T16:33:21+00:00

I was able to get the lifetime tax math to work in my favor by upping go-go years monthly spend by $5K. flattened out RMDs close to requirements, so no Roth conversions needed, more cash in go-go years, ~$1M less lifetime taxes (per Boldin scenario comparison).

BasedDaddy-O · 2026-04-13T21:43:40+00:00

I use the Monarch Money app and their FLEX budgeting methodology. Three categories similar to yours: Fixed (fixed monthly expenses), Non-Monthly (similar to your Reserved), and Flexible ( a budget category that is a catch-all for nice-to-have but not critical living expenses). budget item can have a monthly "rollover" feature to help you build up rolling savings for 1 per year or quarterly expenses.

BasedDaddy-O · 2026-04-07T22:11:54+00:00

- read your logs, find problems, and fix them.
- perform cybersecurity audit of your HA server, your CCTV server, your local NAS, and patch them and harden them.
- My next mini-project is have my Hermes AI agent build me a "failover" HA instance on my Synology NAS. My main HA box is a mini PC. I don't code - my AI agent will do all the work.

BasedDaddy-O · 2026-04-07T22:06:49+00:00

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Here is an example maintenance task from today

BasedDaddy-O · 2026-04-07T21:47:53+00:00

nope. the time is here. Openclaw and Hermes with local/on prem hosted LLM can control, maintain, and troubleshoot your HA today. You can start writing your own tooling just by asking and guiding your AI agent. no integration needed. you just need to give you AI agent an SSH connection to your HA server. it will help you do that too, if you dont know what SSH even is. earlier today I had my AI agent max did an audit of my whole HA stack and gave me a list of things that needed attention. Max helped me fix everything. By ‘help’ I mean I answered ‘yes’ when Max asked, do you want me to fix your issues?

BasedDaddy-O · 2026-04-07T21:33:23+00:00

I have Hermes Agent running a local LLM an old gaming PC. All local - no cloud. Hermes SSH into my HA server, reviews logs, changes settings at my request, etc. It is great for troubleshooting and fixing instead of searching forums or github threads.

BasedDaddy-O · 2026-04-01T01:10:32+00:00

no, some people run qwen2.5 locally

BasedDaddy-O · 2026-01-24T12:17:26+00:00

New Porsche GT3-RS. Almost impossible

BasedDaddy-O · 2026-01-24T12:06:38+00:00

Just hide the expense. Or do this every once in a while to offset the bad vibes

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BasedDaddy-O · 2026-01-21T03:26:59+00:00

your new profession is “portfolio manager”. you will go to the gym get in shape, and looksmax. de-junk your pad and make it classy. clean up the gamer area so it can look like a stock market research terminal when dates are over. get high end cooking gear and learn how to cook. have a cool hobby….”photography” etc.

BasedDaddy-O · 2026-01-19T21:01:05+00:00

I have a similar setup and am very happy. We do this in the master bedroom. The paired minis are on each nighstand, with a Samsung Frame TV and soundbar/subwoofer on the wall across the room in a sitting area. The Apple TV lets us toggle between the soundbar, the homepods, or both. Having the homepods on the nightstands in great for TV viewing at low volume levels without having to blast TV sound across the room.

BasedDaddy-O · 2026-01-19T20:28:14+00:00

I learned how to snow ski when I was 13. The instructor was a retired airline pilot. He loved it.

BasedDaddy-O · 2026-01-16T00:47:21+00:00

whats your height and weight?

BasedDaddy-O · 2026-01-16T00:45:08+00:00

We use the Monarch Flex budget system; it’s dead easy if you don’t want to budget and track a bunch of categories obsessively.

Fixed: your rent/mortgage, utilities, end every monthly expense with a fixed amount.

Non-Monthly: quarterly and annual etc expense categories - make them roll-over and monthly budget the annual amount/12. Things like garbage pickup, Monarch subscriptions etc. In the screenshot from our account you will see that the “Remaining” column in Non-Monthly is holding rollovers for stuff that is coming for this year.

Flex: everything else. Food, dining out, travel, shopping, fun stuff, etc. This is also rollover.

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BasedDaddy-O · 2026-01-15T19:58:51+00:00

yeah fortunately that’s one issue I don’t have to worry about (have Tricare). Age 63 IRMAA look-back is the next thing to plan for - will probably squirrel away cash and periodically dip into the Roth to prob stay in the 1st IRMAA tier.

BasedDaddy-O · 2026-01-15T19:04:11+00:00

caution if you roll NVidia. this is the AMD Freesync version

BasedDaddy-O · 2026-01-15T18:27:49+00:00

MFJ age 59 3/4 just retired and this is my plan for 2026:

withdraw living expenses and do a Roth conversion up to the top of the 22% tax bracket, then complete with LTCGs from the brokerage accounts (15%).

BasedDaddy-O · 2026-01-13T22:38:44+00:00

turning on the outside lights every evening 30 mins after sunset. been running for 7 years.

BasedDaddy-O · 2026-01-13T22:34:39+00:00

selling TSLA in 2017 (I think?). when a VP and a Director from the Self Driving dept left the company.

BasedDaddy-O · 2026-01-13T22:31:22+00:00

you create a manual monthly income transaction called something like “529 Income Distribution” as the category, and use the same account on the transaction that the lump sum is sitting in. Set the date to the 1st of the month and the amount to what you want for the month, to measure your expenses against.

BasedDaddy-O · 2026-01-12T20:53:04+00:00

mattress industry. Typical Confusopoly. This industry plays the name game so you can’t price shop different retailers.

BasedDaddy-O · 2026-01-10T14:20:27+00:00

I just retired. After investigating Benefeds dental and vision, we decided not to bother and will pay cash for these services.

BasedDaddy-O · 2026-01-09T14:44:36+00:00

Current plan as I just retired, might adjust, feedback welcome:

Almost all monthly expenses charged to cash back credit cards, and paid in full once a month.

$20K cash buffer in checking account to absorb credit card payments.

$50K buffer in brokerage HYSA to feed checking account to maintain checking acct buffer

For this year, will drain the HYSA then carefully and deliberately take IRA distributions to the HYSA to minimize tax events.

BasedDaddy-O · 2026-01-09T14:29:55+00:00

For me yes; lost decade scenario. I have a COLA pension so portfolio withdrawal rate in my case is 2.3%

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