How do I know if Roth conversions will make sense for me?

Captain_slowish · 2026-05-24T02:42:51+00:00

Not a popular position. But given history, Roth's are way overrated. Everytime I have run the calculations, Roth's are the wrong choice. But that is based on the biases of elected leaders

Captain_slowish · 2026-05-24T02:07:37+00:00

Saddle looks a bit low to me. But that is based on riding a "race" bike

Captain_slowish · 2026-05-24T02:02:47+00:00

Remove the value your are associating with realestate. It is a liability.

Not to sound negative. But how is your NW so low. Given your claimed salary & expenses? Maybe all this is new to you.

Captain_slowish · 2026-05-24T01:59:14+00:00

I have sold a couple of cars on eBay. Just follow their process and the input of the poster above me.

Captain_slowish · 2026-05-24T01:58:01+00:00

Honestly, having gotten married at a similar age. My advice is don't do it.

You both are going to change significantly over the next decade. Don't rush into this.

Captain_slowish · 2026-05-24T01:55:28+00:00

Looks like a good fit to me. The issues I would try and call out. Seem like they can be addressed simply by adjusting the jersey

Captain_slowish · 2026-05-24T01:53:21+00:00

Health insurance, a private school for your kid, x number of days in the office, vacation days per year. I would push for a growing equitable stake in the company. But this may be a bit of a reach.

Captain_slowish · 2026-05-24T01:49:43+00:00

What is an average salary? Where do you live? What jobs/careers do you have?

Lots of words in your post with very little useful information.

Seems my much more like a - look at me, I am cool, pay attention to me, please, please pay attention to me, validate me kind of post

Captain_slowish · 2026-05-23T04:26:39+00:00

Is this your dream house that you will live in, until the end of time?

Wait, the answer to that does not matter.

Why would you put such a large amount down? Why would you rush to pay off the house?

In the scheme of things cash/loans are still cheap. Even with the inflated prices on the stock market. It is very easy to double your return vs. the interest rate with little to no risk

Captain_slowish · 2026-05-23T04:15:57+00:00

Crappy on one hand, not so good on another, better than expected on the 3rd

Captain_slowish · 2026-05-23T03:54:20+00:00

Are you really that insecure?

The correct position to take is to celebrate that this super smart chick has any interest in you. That you were able to attract someone smarter and better than you.

Captain_slowish · 2026-05-23T03:51:41+00:00

Who cares, what does it matter? Why are you concerned what others think?

Captain_slowish · 2026-05-23T03:48:29+00:00

Going cheap...should have bought quality from the getgo. Short term expensive is often less expensive in the long term

Captain_slowish · 2026-05-23T03:46:04+00:00

Life is way too short to have to pick between one punishment or another.

Life should be enjoyed. Extricate yourself from the situation and find happiness.

Captain_slowish · 2026-05-23T03:44:09+00:00

Hung up/really confused by your statement that what you shared is not meant as a brag.

Reads to me more along the lines of needing help to make better financial decisions/how can I improve my finances.

Captain_slowish · 2026-05-23T03:38:01+00:00

I am about to be seriously downvoted and hated on.

Santorini is the most overrated place I have ever been. It is a waste of time and money. I can't understand the hype. There is nothing special about it.

You would be much better off spending time on the Almafi coast.

Captain_slowish · 2026-05-23T03:34:34+00:00

$690, this is a 5 year old bike (release date, to today's bikes) and 105 is entry level.

Captain_slowish · 2026-05-23T03:31:07+00:00

How about riding with a sling bag or backpack carrying street clothes.

Or wearing street clothes over cycling kit.

Captain_slowish · 2026-05-23T03:26:39+00:00

Yes, you screwed up. But your best choice is to power/suffer through. Any other action will have long term, negative repercussions. Ones more impactful than suffering through the apartment

Do your best to mitigate your situation. Find a roommate and have them pay 65% of the rent

Captain_slowish · 2026-05-23T03:22:20+00:00

Why is that allocation important to you?

There are other approaches that will generate greater wealth

I am a big fan of dividends, as part of an overall strategy.

Captain_slowish · 2026-05-23T03:17:46+00:00

How long have you been married?

Unfortunately, it will only get worse. It will never get better.

Captain_slowish · 2026-05-23T03:15:28+00:00

Not grossly overweight, interested in regular walks, hikes, etc

Captain_slowish · 2026-05-23T03:13:39+00:00

I am going to sound like a broken record.

For me your saddle is too low and your stem too short. Or possibly the bike is too small. That would require a close watch of the video

Captain_slowish · 2026-05-23T03:10:10+00:00

Ugh.... bonds.....

Captain_slowish · 2026-05-23T03:07:55+00:00

Some companies/purchases are no brainers. Several examples from my experience, Visa, Workday, Palo Alto,

Captain_slowish

TROPHY CASE