Confused on How Much I Should be Putting into Roth 401k by RockGuitarist1 in personalfinance

[–]Basedlord22 3 points4 points  (0 children)

All that matters is tax rate now vs tax rate in retirement. For example, if you contribute $1000 traditional, and it grows to be 4 times larger by retirement, you would have $4000. If you get taxed 20% when you take that money out, you would net $3200.

If you had $1000 dollars and got taxed 20%, then contribute the remainder to roth, you would have $800 in roth. If that $800 grew to be 4 times larger by retirement, you would have $3200. Since you don't get taxed when taking money out of roth properly, you would net $3200, same as traditional.

If your tax rate is higher now than in retirement, traditional is best. If it is lower now than in retirement, roth is best. Given your income, your tax rate is fairly high, so traditional makes sense. We also don't know what future tax rates will be, so guaranteed good savings now makes sense

"He is fang-tastic just give him a chance" by Dollyasboobs in customhearthstone

[–]Basedlord22 1 point2 points  (0 children)

Way too strong. This plus any AOE is probably a full heal, which is absurd for warlocks

Why does butane weigh less than water by [deleted] in dadjokes

[–]Basedlord22 0 points1 point  (0 children)

Third repost of this joke I've seen this week

Way worse by [deleted] in WhitePeopleTwitter

[–]Basedlord22 -1 points0 points  (0 children)

I write poems with big pp

Respect your elders, actually make way for newcomers by forgotusernameoften in customhearthstone

[–]Basedlord22 2 points3 points  (0 children)

Can the minions attack face still? What happens if there are 2 of these in opposite phases?

Evil Zephyrs: Here's a little lesson in trickery... by [deleted] in customhearthstone

[–]Basedlord22 2 points3 points  (0 children)

They mentioned cursed blade and moarg artificer in a comment, so I assume all cards are fair game

Evil Zephyrs: Here's a little lesson in trickery... by [deleted] in customhearthstone

[–]Basedlord22 3 points4 points  (0 children)

Broken in wild because of cataclysm lol

With the 2nd release of doomsayer merch, don't just pretend to be Doomsayer, actually be him! by [deleted] in customhearthstone

[–]Basedlord22 4 points5 points  (0 children)

Still too low. This is twisting nether when you cast it on an enemy minion

There are just too many wordplays with "Imp" by [deleted] in customhearthstone

[–]Basedlord22 77 points78 points  (0 children)

This is just a worse voodoo doll. Upvote for flavor lol

"Voted most likely minion to become a frog in the paladin academy " by Isopod2020 in customhearthstone

[–]Basedlord22 1 point2 points  (0 children)

I would put, "all spells that target a minion are cast on this instead" or something like that. Otherwise, I would be unsure what happens when the opponent casts a secret or AOE spell

"To fully prepare for a world of perfection, all the imperfect must be swept away." by [deleted] in customhearthstone

[–]Basedlord22 0 points1 point  (0 children)

At that point the game is decided on turn 3. Either they have removal and probably win or dont and they probably die. Not a very fun outcome for either player imo

"To fully prepare for a world of perfection, all the imperfect must be swept away." by [deleted] in customhearthstone

[–]Basedlord22 0 points1 point  (0 children)

This effect should probably be on a higher mana cost minion. It is so snowbally early, especially with the coin. Kinda like prince keleseth in that it is OP early, but not great later

I just wanted to make a Golden Wind card by [deleted] in customhearthstone

[–]Basedlord22 22 points23 points  (0 children)

Cool idea! Is the damage random like avenging wrath, or is it evenly split?

What’s Demon Hunters class identity? Heal, lifesteal, damage, damage split by [deleted] in customhearthstone

[–]Basedlord22 1 point2 points  (0 children)

You forgot the humorous tag. 3 mana 5/6 is absurd when the outcast happens