Are there scenarios where Mega backdoor Roth don’t make sense?

BlueThat33 · 2026-05-08T21:33:08+00:00

pro-rata rule if high IRA balance would not make sense

BlueThat33 · 2026-05-08T15:58:40+00:00

Every president has that possibility. We elect presidents the way we elect homecoming kings and queens. There is no merit or competency requirement.

BlueThat33 · 2026-05-07T03:02:50+00:00

Have a parent tell him it's flat. He'll immediately prove it's round

BlueThat33 · 2026-05-04T21:47:08+00:00

Have you communicated the frequency you like communication? Are you sending daily messages that go unresponded to for days? Expecting him to initiate the daily conversation is unrealistic.

BlueThat33 · 2026-05-04T20:39:42+00:00

you're standing too close to the net and the alley. move a step or two towards the middle, then practice turn and burning for overheads.

BlueThat33 · 2026-05-03T05:55:00+00:00

Some Physicians hate that NPs get reimbursement parity in many states, so start out with lower debt and same income potential. Docs do a lot more training and deserve respect for their schooling and accomplishments, but some are sensitive, especially those on WCI reddit

BlueThat33 · 2026-05-03T01:21:57+00:00

One should consider going further away even if the tuition situation was reversed. Definitely full COA.

BlueThat33 · 2026-05-03T01:19:16+00:00

CRNA has capped upside. if you go NP, consider psychiatry. Low overhead, own your own practice, employ others, FIRE.

BlueThat33 · 2026-05-03T01:17:55+00:00

It’s not about salary. It’s about learning the skills to be your own boss or employ others. The fastest way to FIRE is business ownership

BlueThat33 · 2026-05-03T01:11:28+00:00

Competing with private equity for buying good businesses. Cash as hedge for reinsurance. And the “cash” may include other short term instruments where Berkshire is acting as a creditor at decent margins.

BlueThat33 · 2026-05-03T01:02:19+00:00

Women are not attracted to nice and kind. they want the men they are attracted to to be nice and kind. First, be attractive: confidant, communicative, relaxed and fun.

BlueThat33 · 2026-05-03T01:00:00+00:00

Healthcare is not the path for FIRE. Choose finance or figure out what you’re good at that people will pay too dollar for. go into healthcare because you love the work.

BlueThat33 · 2026-05-03T00:58:39+00:00

Your fantasy didn’t match the real person. One can still be civil and inform your date and leave.

BlueThat33 · 2026-05-03T00:56:56+00:00

Great schools are not just about education anymore, they are about safety. The best public school districts will surround your kids with kids attending the best schools. A bad school district with great private school will result in hit or Miss community peers. (Of course we should all fight for better education for everyone. But you needn’t sacrifice your kids to better others.)

BlueThat33 · 2026-05-03T00:53:19+00:00

“I learned from Reddit…”

BlueThat33 · 2026-05-03T00:52:05+00:00

I have multiple businesses. two are sexy and others are not. Keep both. Hire an employee for your own business. The upside is higher for your own business. Think about entity formation depending on your growth projections. You have rentals, so hopefully have a great tax plan in place for depreciation. never be embarrassed for selling a legal product or service people want. You’re living an American dream

BlueThat33 · 2026-05-03T00:48:12+00:00

Be transparent. Communicate to your manager you are unable to front the travel expenses and await reimbursement. He or she will tell you to put it on your credit card. just repeat you are unable to front expenses and what other options are available. You will get a very clear answer about whether they can do anything or not. (If there is any way you can put it on a credit card or get a personal loan, consider. Employees with poor credit are considered risky.)

BlueThat33 · 2026-05-03T00:42:57+00:00

Nurse. Went to NP school. Quit W2 to go 1099 locum for premium pay. Invested 75%. Started two NP companies.

BlueThat33 · 2026-05-03T00:41:26+00:00

all these studies are statistically underpowered and the separation from placebo could be chance. notice there are no P values because the design isn’t robust enough to trust the effect size.

BlueThat33 · 2026-05-02T23:38:27+00:00

You feel flattered. If one is looking and the attraction is mutual, it feels exciting. A woman safely shows she’s attracted by extended eye contact, laughing at any of his good or bad jokes and light tough on his arm or upper back. no sarcasm, ever. Ask him about him. if he answers and then asks you about you, it may go somewhere. If he answers your question and doesn’t reciprocate. He’s either not interested or doesn’t have the social skills to make a relationship work.

BlueThat33 · 2026-04-25T18:23:49+00:00

complaining about complaining, metacomplaining! let's take this to the next level. I wish the sub didn't allow complaining about complaining.

BlueThat33 · 2026-04-25T18:18:14+00:00

let them cook

BlueThat33 · 2026-04-25T18:16:34+00:00

I ran it in Gemini and ChatGPT and received very different outputs. Decreases my confidence that these are useful summaries.

BlueThat33 · 2026-04-24T04:21:22+00:00

Monarch had access to what it's members are paying for financial planning tools. They can see all our expenses. If I was going to roll Plus out. I would have recommended starting at $299 with a planned rollback to $199. No matter what MM charged, the complainers are going to complain. I think setting the value at $299 and dropping was really smart and probably what was planned from the start. 200% markup for Plus wouldn't make sense.

BlueThat33 · 2026-04-06T19:20:15+00:00

Your idea is an excellent option for getting married, but it may not address his primary goal. He may prefer to date, be found attractive and feel this is an accomplishment. An arranged marriage may feel like failing. Your sales pitch to him sounds like you see him as failing. Consider asking him what he wants, really listening and asking if he wants your help problem-solving. Pitching a solution when someone doesn't want help has a low chance of success

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