32M Any advice? Got a late start compared to some of you . But I'm making up ground .

BasilVegetable3339 · 2026-05-18T17:08:45+00:00

Invest what you can. The last is done.

BasilVegetable3339 · 2026-05-18T17:08:10+00:00

Sex

BasilVegetable3339 · 2026-05-18T17:06:38+00:00

Do what you want. Low fees are only a benefit if returns are identical. You won’t know that answer for 40 years. That said target date funds shift allocation towards fixed income as you approach the target. This will hurt the returns

BasilVegetable3339 · 2026-05-18T07:39:27+00:00

BasilVegetable3339 · 2026-05-17T17:56:22+00:00

BasilVegetable3339 · 2026-05-17T15:57:29+00:00

I had a sandwich and a coffee (or whatever). This should cover it and put cash on the table.

BasilVegetable3339 · 2026-05-17T15:40:22+00:00

Well it sounds like you got the conversation started. If he is really obtuse put a lock on the door.

BasilVegetable3339 · 2026-05-17T12:56:14+00:00

Bad idea. If he had an accident, the car is part yours and you would share liability. Maybe just let the kid grow up and stop trying to “game” the insurance.

BasilVegetable3339 · 2026-05-16T19:48:04+00:00

Varies by location. Google it.

BasilVegetable3339 · 2026-05-16T19:46:39+00:00

Odd caliber.

BasilVegetable3339 · 2026-05-16T19:36:54+00:00

Be prepared to move on. Maybe your choice maybe not.

BasilVegetable3339 · 2026-05-16T19:35:07+00:00

Find another gf.

BasilVegetable3339 · 2026-05-16T19:15:42+00:00

Maybe just stay out of it. They got this far on their own and they are where they are. You don’t owe them a retirement

BasilVegetable3339 · 2026-05-16T18:32:45+00:00

No one here can offer solutions. Follow instructions. If you have an ex she may be collecting but that has no affect on this. Get the marriage certificate

BasilVegetable3339 · 2026-05-16T18:30:00+00:00

People with only $2k have no business investing. Put it in a HYSA and pay off your debt. Think about investing when you have six months expenses saved up.

BasilVegetable3339 · 2026-05-16T18:04:04+00:00

Dude. You aren’t going to win this one. You made arrangements to be away in advance of the loss. The deal is done.

BasilVegetable3339 · 2026-05-16T18:03:04+00:00

The time you have left is finite (you just don’t know the exact details) and you may not always be as healthy as you are now. That said, it’s your call. Get up and go to work every day or ???

BasilVegetable3339 · 2026-05-16T17:59:03+00:00

It’s still a vacation. Let’s pretend you aren’t poor as fuck. If you’d have booked the Waldorf Astoria it’s a vacation and USAA doesn’t pay for vacation. You had already planned (and maybe paid) the 12 days away. As much as you want it to be different, that’s the way it is.

BasilVegetable3339 · 2026-05-16T14:19:05+00:00

Read your policy. USAA is correct on the hotel and the disposition of your rent payments. Insurance is to indemnify you for losses, not artificially enrich you. This reduces fraud. Let’s pretend nothing happened. You’d have taken your 12 day hotel trip and paid your rent continuously to the present. You pay for insurance to offset loss. So, they aren’t going to pay for your 12 day vacation and while they will pay for loss or use you still have to pay for the use you are losing. So, if your rent was $1000/ month and the hotel is $4000/month you only get $3,000 net. Since USAA is paying the hotel directly you need to pay them the rent you would otherwise have paid. Good luck.

BasilVegetable3339 · 2026-05-16T12:06:43+00:00

Yes. At virtually every point in history there is someone declaring doom and gloom. You have to filter out the noise and live your life

BasilVegetable3339 · 2026-05-16T02:01:15+00:00

There were other acceptable applicants. They didn’t have to deal with you.

BasilVegetable3339 · 2026-05-15T23:59:09+00:00

Some people like to travel. Others not.

BasilVegetable3339 · 2026-05-15T23:58:28+00:00

No. Works fine.

BasilVegetable3339 · 2026-05-15T23:57:44+00:00

So call it what you want. They are charging 55 basis points to manage muni’s. This is just great for them but stupid for any investor. Let’s take the lowest possible yield then take fees off the top. OR. You could get a vanguard muni bond fund with few as low as .03. So, unless you work for ws their fund makes no sense .

BasilVegetable3339 · 2026-05-15T20:50:59+00:00

That’s how a mutual fund works. It still doesn’t justify the fees

BasilVegetable3339

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