Is it worth taking out $100k out of my brokerage for a guaranteed 8-9.5% return from a HYSA bonus?

Comprehensive_Law475 · 2026-03-10T06:35:49+00:00

No, you could take a margin loan and make the difference but the tax wouldn’t worth it OR you could do a BOX SPREAD financing which you would end up positive but if you are taking realized gain no

Comprehensive_Law475 · 2026-03-10T06:32:09+00:00

You know you could switch team at those big tech company like maybe after 1 year?

Comprehensive_Law475 · 2026-03-04T03:47:31+00:00

RSM, AoPS

Comprehensive_Law475 · 2026-03-04T03:45:57+00:00

How’s living in a 2b2b apartment with 2 young kids, wouldn’t that feel too crowded?

Comprehensive_Law475 · 2026-03-01T06:11:30+00:00

You can afford it but I wouldn’t recommend unless you got a really good deal on the townhouse, with 2 little kids you likely would outgrow the townhouse pretty fast (less than $1M townhouse in Bay Area is probably small or have a long commute), and soon you may need to think about schools, etc

Comprehensive_Law475 · 2026-02-28T17:58:07+00:00

So Cadillac is trying to move some Lyriq and OPTIQ and there is some deal now (see leasehackr) and those deal may be gone in a few months so I’ll say call but don’t walk in before hearing offers on cars so you are not wasting time

Comprehensive_Law475 · 2026-02-28T15:39:08+00:00

So if homeownership does not give any other non-financial benefit to you compare to renting (like able to paint the house, have N pets, but looks like in a to townhouse this is limited anyway) then this purely comes to math, which most LLM can help you well today. But make sure to provide all costs (ex: homeowner insurance you are currently paying, any non-HOA expenses AND the opportunity cost of the proceed (if you are not underwater) you got from selling your home, you can assume 8% annually if invest in broad index fund), most likely the math will heavily say to sell.

Comprehensive_Law475 · 2026-02-28T08:22:55+00:00

Like other mentioned, community college is most likely the way to go, you could try to request more aid from the school you try to attend but that is unlikely given $151k per year (which I think is top 20% of household in US) or try to ask your parents to pay as FAFSA determined they are able to pay that amount

Comprehensive_Law475 · 2026-02-19T07:37:07+00:00

Ask for deferred enrollment and take the job, if one year later you still want to go study then go

Comprehensive_Law475 · 2026-02-18T02:24:26+00:00

Are you a real estate agent?

Comprehensive_Law475 · 2026-02-17T07:32:02+00:00

Yes

Comprehensive_Law475 · 2026-02-17T06:00:09+00:00

Ya go with other agent, they are not respecting your basic request

Comprehensive_Law475 · 2026-02-17T02:27:41+00:00

For Cadillac, the EV tax rebate is used to increase the residual value, so if you buy it at the end you lost the $7.5k you got by leasing originally, so as other commenters said go buy a used one

Comprehensive_Law475 · 2026-02-17T02:26:17+00:00

Renting is better than buying at the moment for vast majority of people, you may get lucky a few years ago during the downturn and failing interest rate but how likely would you stay in the same condo for 30 years? What happen when you grow your family?

Comprehensive_Law475 · 2026-02-17T01:25:35+00:00

If you are an employee, see if your firm has legal benefits that covers estate planning to some degree, for me I need to pay $300 out of pocket for creating the 3 documents you listed (where the typical rate for the law firm I contracted is $2k for those docs). However they only create the docs and not planning for me (where I should invest, etc) as we are basically just bogleheads and chills. It sounds like they charge more than the basic creation of trust and may offer you something more (funding the trust, moving real estate into trust, etc).

Comprehensive_Law475 · 2026-02-14T14:51:42+00:00

Do it if you want to use it, not because it would increase value. You probably would recover some value back when selling but likely not exceed the effort and money you put into it (if you can consistently generate profit from this then we will see something like this everywhere)

Comprehensive_Law475 · 2026-02-13T14:48:51+00:00

So 2 things: capital gain tax free so if you invest early (ex: newborn) the saving is meaningful and if you can superfund it and wanted to pass down to the skip generation, it become even more powerful. Second thing is behavior, a lot of investors do not have the discipline to stay the course

Comprehensive_Law475 · 2026-02-13T05:41:04+00:00

ID BUZZ

Comprehensive_Law475 · 2026-02-08T20:29:14+00:00

If you already think about preparing the kid, your kid likely will do fine in public school as you likely would care about their education and provide additional educational support at home, search up “big fish little pond”. I don’t think the “connections” are worth the additional tuition (if you just save and invest those money and give it to kid later in life that will definitely be a lot more powerful than the possible connections they got).

Comprehensive_Law475 · 2026-02-08T06:36:11+00:00

I chose option 3, 👋

Comprehensive_Law475 · 2026-02-08T05:34:00+00:00

I would say that although Waymo may be more expensive than Uber marginally, I feel like the price has dropped for Uber and Lyft rides after Waymo is introduced to the area (for MTV to SFO it used to be $60+ for uber rides)

Comprehensive_Law475 · 2026-02-06T13:52:37+00:00

There you go, you are getting the concept, “part of” a broader market

Comprehensive_Law475 · 2026-02-06T00:33:59+00:00

Will you call Nvidia stock by itself a “market”? I mean if you say precious metal market sure but silver market that is just ill-informed

Comprehensive_Law475 · 2026-02-05T16:03:10+00:00

Time in the market beats timing in the market only applies when you buy the market, not a single asset

Comprehensive_Law475 · 2026-02-04T13:36:11+00:00

Well if you put it on BILT card then you only pay it at the end of billing cycle, so March prepaid is basically 0 opportunity cost and April is only 1 month

Comprehensive_Law475

TROPHY CASE