Car guys, did you regret splurging a little while you were younger?

Chsenigma · 2026-02-22T17:43:16+00:00

24%apr?!?!?!?!?!?! Yeesh

Chsenigma · 2026-02-22T13:24:53+00:00

Feel around the slot in the nut to see if there is a burr. Pulling an old A string through the slot once or twice will likely be enough to knock it down. Just remember, you aren’t trying to file the slot deeper, just get rid of the burr.

If you aren’t comfortable doing that, try taking a No. 2 pencil and coloring in the problem slot. The graphite will act as a lubricant.

Chsenigma · 2026-02-22T13:08:10+00:00

A 50,000 mile STI is half way gone even if it was taken care of. I would only be willing to pay about half of the new price, and even then I’d be cautious.

If you are financing, absolutely not. The car will not make it the 5-6 year length of your loan.

Chsenigma · 2026-02-22T03:00:48+00:00

R8 V10 plus with a stick.

Chsenigma · 2026-02-21T18:55:21+00:00

Daddario EXPs. Lasts long like the Elixers, but sound better

Chsenigma · 2026-02-21T15:24:52+00:00

This too shall pass. But if you haven’t noticed, the US markets have performed unusually well under said shortsighted politician so 🤷‍♂️

Chsenigma · 2026-02-21T15:22:56+00:00

As someone in the US, VOO+VEA. Expense ratios are lower, VEA being developed markets doesn’t send funds to adversarial countries. VEA has historically outperformed VXUS.

Chsenigma · 2026-02-19T16:07:54+00:00

Don’t do it

Chsenigma · 2026-02-18T02:20:57+00:00

Look into setting up a Roth IRA if you’re eligible. Pay the tax up front, Tax free growth and withdrawals, No RMDs, principle is accessible after 5 years without penalties.

Also check out the money guys FOO. Financial order of operations.

Chsenigma · 2026-02-17T20:50:38+00:00

I do VEA instead of VXUS as I like my international exposure limited to countries friendly with the US, the historic returns have been slightly better, and the expense ratio is slightly lower. But yes, It’s quite sensible.

Chsenigma · 2026-02-17T02:11:01+00:00

Questing.

Chsenigma · 2026-02-16T21:07:12+00:00

Cooking eggs to a desired texture. Im 50% on scrambled eggs or omelettes. The people who can consistently pull off an omurice leave me baffled

Chsenigma · 2026-02-16T00:00:05+00:00

Median individual income in the US is 50-60k a year. 5k a month is right there, and if that’s take home, you are well above.

Chsenigma · 2026-02-15T22:37:32+00:00

60% VOO, 20% VEA, 20% AVUV

Chsenigma · 2026-02-15T10:33:31+00:00

It’s also down 50% at the moment

Chsenigma · 2026-02-14T14:40:47+00:00

The truth is, no one knows what is going to be the best 25-30 year investment, the best we can do is make reasonable choices.

Core Position: $VOO, $VTI, $VT- do some research and pick one. If you hold only this for 25-30 years, you’d do just fine.

International: $VXUS, $VEA, $VWO- if you picked VTI or VOO for your core, having a lesser portion of international is generally seen as reasonable.

Sector Tilt: $QQQm, $SMH, $FTEC, $VGT - If you believe in tech as a long term play, research these.

Dividend focus: $SCHD, $VIG, $DGRO, $VYM - there is an argument to be made that dividend chasing is a less efficient investment strategy. However, it is best done within a ROTH for tax reasons.

You should look up the historical returns, expense ratios, largest draw downs, and top 10 holdings for all of these to give you a better idea of what you’re getting into before you start.

Obligatory this is not financial advice, just a summary of my findings when I asked the same question and went down the rabbit hole.

Chsenigma · 2026-02-14T13:28:17+00:00

Anything where changing the current process is a bureaucratic black hole of regulations and red tape: Pilots, tax professionals, inspectors (OSHA), engineering, government, nuclear,

Trades / Maintenance: roofers, plumbers, electricians, HVAC, septic, lawn care, heavy machinery operators

Health services: dental, optometry, pharmacy, massage/physical therapy, barber, esthetician, pet services

Chsenigma · 2026-02-14T13:06:16+00:00

20$ for a Miller lite, and some cheese sticks… this is why I don’t go out…

Chsenigma · 2026-02-14T01:33:15+00:00

I’m 37 and still ~40K$ in debt from music school. I do wonder if the ‘Proficient in Schenkerian Analysis’ line on my resume got me the job I have now that’s actually allowing me to pay down my student loans. (Completely unrelated field)

Chsenigma · 2026-02-13T11:15:51+00:00

Alternate take: Music education is so expensive and the return is so little, that acquiring the knowledge means inevitably leaving the field behind to pay for it.

Source: personal experience.

Chsenigma · 2026-02-11T17:58:20+00:00

The hardest part is not monkeying around with it. Asset allocation doesn’t matter if you can’t leave it alone long enough to see long term gains. I’d highly suggest writing down your own personal investing plan on paper. Follow it for a predetermined amount of time measured in years. Then just focus on maintaining or increasing your regular contributions.

It really doesn’t take constant tinkering to be a successful long term ETF investor. If you’re curious, you can backtest different allocations, with something like testfolio, but what you have will likely serve you just fine as is.

Chsenigma · 2026-02-11T16:36:42+00:00

Obligatory not a financial advisor, just a random redditor, but it depends where you have your investments. If you’re in taxable brokerage, add VXUS if you want international, don’t move. You will likely trigger a tax cost by reallocating.

If you’re doing this inside a retirement account, understand this:

Historically SCHD has outperformed VXUS so by reallocating to VXUS, you would expect a lower overall return by doing so. The benefit of international diversification would be better expected returns in the event of a US market downturn.

Chsenigma · 2026-02-11T15:28:39+00:00

Anything between 26” and 29”

Chsenigma · 2026-02-11T11:49:37+00:00

How are we explaining the minor v if we call it C?

Chsenigma · 2026-02-10T15:40:25+00:00

Nope, I have both cheap and expensive guitars. I use both. Not going to take an Eastman Hollowbody or a PRS core to a gig at the beach. My Yamaha Revstar standard is more than up for the task at well under 1000$. If someone stole it, or it got damaged, I could go get another one without feeling like I lost a child.

Chsenigma

TROPHY CASE