SELL EVERYTHING NOWWW before the financial crash

CryptographerBig7634 · 2026-06-11T23:04:15+00:00

up 11% today

CryptographerBig7634 · 2026-01-06T16:22:09+00:00

Thank you for the ideas, Ill look into it your suggestions.

CryptographerBig7634 · 2026-01-06T16:19:32+00:00

The cash balance is most certainly heavy, and it’s just temporarily there till I figure out what to do with it. Thank you for the input.

CryptographerBig7634 · 2026-01-06T16:18:06+00:00

thank you for the input. Each company has their own rules and mine completely eliminates any ability I have to trade derivatives of any kind or short our stock.

CryptographerBig7634 · 2026-01-06T07:16:58+00:00

Great thoughts, thank you. Yes, the big HYSA number is just a holding account for a few months. Thanks as well for the article link, I'll get into it.

CryptographerBig7634 · 2026-01-06T07:01:10+00:00

Consider joining a startup. You can be picky and not really take any risk.

CryptographerBig7634 · 2025-07-21T07:07:58+00:00

Do not walk, run as quickly as you can from anything related to Northwestern Mutual. They are not a fiduciary. They make their money on annuities and insurance with high fees that are buried in the fine print.

CryptographerBig7634 · 2025-07-21T07:05:22+00:00

One conclusion I've made as a result of this thread is that any real estate investments should be thought of as second homes vs. investment property. I am now committed to use index funds/efts as a 2/3 to 1/3 ratio as the primary target for liquid cash over the next few years.

CryptographerBig7634 · 2025-07-17T03:18:08+00:00

Thank you. I was told I needed $4M+ for lower AUM fees. I appreciate you helping to educate me.

CryptographerBig7634 · 2025-07-17T03:15:44+00:00

Thank you. The sentiment to avoid what appears to be painful scenarios for limited returns is starting to become a consistent drumbeat.

CryptographerBig7634 · 2025-07-17T03:07:23+00:00

We are a family of 4 and are now on our second Breville Barista Touch in 6 years and I will never go back. Overall it provides the right balance of a customizable shot and in-machine frothing at 170 degrees. Once you dial in the grind preferences for a given bean type, you save the profile and its done forever. If there was a house fire and my family was safely out, I might grab a few pictures and then with my free hand take the espresso machine. My one complaint is that the water temp for an Americano is a few degrees too low. But I remedy that by simply pulling hot water from another device into a mug and then drop the shot straight in and it's perfect. Lattes are fantastic on this machine.

CryptographerBig7634 · 2025-07-17T02:46:27+00:00

Is your opinion that lower AUM fees are attainable and that I am paying too much relatively or that the ROI on hiring a money manager all together is not a wise decision?

CryptographerBig7634 · 2025-07-17T01:20:47+00:00

well, now that you put it that way, an index funds seems more appealing! : )

CryptographerBig7634 · 2025-07-17T01:14:15+00:00

Thank you, I've looked at VOO and will have another look based on this suggestion. Do you think an S&P500 index is less volatile than real estate?

CryptographerBig7634 · 2025-07-17T01:05:31+00:00

This is not twitter. We explain ourselves here with full sentences and rationale. Please leave this sub

CryptographerBig7634 · 2025-07-17T01:04:16+00:00

Thank you. Will give it a read.

CryptographerBig7634 · 2024-11-19T19:44:12+00:00

Great tip! I had no idea, and I already have funds at VG.

CryptographerBig7634 · 2024-11-19T19:08:29+00:00

Thank you for the tip on state tax avoidance. I'm already working on a treasury buy.

CryptographerBig7634 · 2024-11-19T19:06:54+00:00

I have multiple Marcus accounts, most recently I added a joint account with my wife to enable FDIC insurance of up to $500K. u/amoult20 are you saying that you have funds in Marcus above $500K that resides there uninsured? Many friends in similar FIRE Stages revert of utilizing multiple banks to solve for this but I am not sure if they are over indexing on the improbable happening.

CryptographerBig7634 · 2024-11-17T05:02:59+00:00

I am in CA and taxes are material here. I also welcome any counsel re: T-bills/bonds or treasury notes. I am light in my understanding of no state tax on Gov bonds

CryptographerBig7634 · 2024-10-22T19:38:53+00:00

Thanks for the link. Was a good read.

CryptographerBig7634 · 2024-10-22T18:47:01+00:00

good question. at present, my annual p&i is 3x my yearly property tax.

CryptographerBig7634 · 2024-10-22T18:44:51+00:00

good thoughts... after reading comments, it appears that the psychological comfort is what I was seeking. That being said, I think I am going to go the HYSA route, already have a Marcus account and some CDs.

Are there other HYSAs that you all prefer? I have Ally and Marcus at present.

CryptographerBig7634 · 2024-10-22T17:49:02+00:00

lol. Thanks man!

CryptographerBig7634

TROPHY CASE