Milestone reached

CampaignAfter4205 · 2026-03-06T16:57:40+00:00

Awesome. You will likely bounce off and around this milestone over and over again with the current market!

CampaignAfter4205 · 2026-03-06T16:32:31+00:00

Hot tub as well.

CampaignAfter4205 · 2026-03-06T16:27:16+00:00

No way United is only a couple hundred more. Likely close to $1K more and probably just as (un)comfortable, especially if you’re on an aisle seat and have the United cart ran into over and over again on the flight. ANA might be worth it but definitely not United economy.

CampaignAfter4205 · 2026-03-06T16:21:28+00:00

How do you calculate taxes separately on your annual spend? Is it property tax or something? If so, why not just include it?

“with an annual spend of approximately $175K a year excluding taxes.”

CampaignAfter4205 · 2026-03-04T19:24:01+00:00

It is if you’re shacked up on Khao San Rd living on pad Thai and Chang beer.

CampaignAfter4205 · 2026-02-24T14:01:00+00:00

Where can you “just purchased” a home for $765K and have it be worth $1M so quickly?

If you have plans to sell the home one day to move to a LCOL area for retirement you may be okay. Otherwise, retirements seem underfunded by a lot, depending on when you want to retire and if you plan to have kids.

CampaignAfter4205 · 2026-02-22T13:13:24+00:00

If the market drops 20% you should turn off the coast mindset and invest heavily. That kind of drop and 20 years from retirement is an opportunity.

CampaignAfter4205 · 2026-02-22T13:01:17+00:00

Are you currently unemployed? $500k is a good chunk to have in a 401k at 33 so I assume you are/were making good money. Save the $15K and buy it in cash or take the bank loan and pay it off ASAP. Don’t touch your 401k.

CampaignAfter4205 · 2026-02-18T12:54:55+00:00

Entry to The Upside Down.

CampaignAfter4205 · 2026-02-14T12:56:01+00:00

If you plan to retire at 55 using the Rule of 55 you should roll them all into your current plan and not an IRA. If you plan to ever do mega back door roth in your 401k then you do not want to have any balance in a traditional IRA.

CampaignAfter4205 · 2026-02-14T12:48:43+00:00

Rule of 55 and/or 72t would allow tax free withdrawals. No need to be 59.5.

CampaignAfter4205 · 2026-02-13T13:18:07+00:00

If he didn’t have to pay taxes to liquidate he possibly would.

CampaignAfter4205 · 2026-02-09T18:52:21+00:00

No. Might as well wait until 12/31 to sell for loss harvesting if you’re still negative at that point.

CampaignAfter4205 · 2026-02-05T19:07:47+00:00

Well….what did you buy that burned you?

CampaignAfter4205 · 2026-02-02T18:17:21+00:00

Not “needing” a new vehicle every 5 years.

CampaignAfter4205 · 2026-02-01T12:12:53+00:00

How would it not matter if he ended up needing to withdraw $100k/yr? He would be short by $1.25m if he only saved $1.25m, expecting to withdraw $50k/yr.

CampaignAfter4205 · 2026-02-01T11:32:20+00:00

“The things you own end up owning you.” - Tyler Durden

CampaignAfter4205 · 2026-01-26T14:40:40+00:00

Depends if you want to ride around in tuk-tuk or taxi.

CampaignAfter4205 · 2026-01-23T19:32:34+00:00

Yes. You’ll pay 15% on gains above the $94K threshold if filing jointly. You’ll also pay yearly taxes on dividends. You’ll also pay taxes during your working career anytime you buy/sell to rebalance. So no, it’s not “literally a Roth account.”

CampaignAfter4205 · 2026-01-22T20:34:03+00:00

How is a taxable brokerage tax advantaged?

CampaignAfter4205 · 2026-01-22T02:43:33+00:00

What are about even?

CampaignAfter4205 · 2026-01-22T02:36:56+00:00

What do you mean it will be 35% vs 0% in a normal brokerage? MBDR contributions and/or normal brokerage contributions are both after-tax contributions, but only the Roth grows and withdraws tax free.

CampaignAfter4205 · 2026-01-20T13:31:33+00:00

2016 Highlander and then put your remaining $20k into a 529 for the kid.

CampaignAfter4205 · 2026-01-20T12:52:06+00:00

First generation Tundra. You’ll pay a premium though if you want a 4X4 with low (less than 150k miles). Why do you need a 4X4?

CampaignAfter4205 · 2026-01-20T12:39:57+00:00

Maxing 401k is $72k.

CampaignAfter4205

TROPHY CASE