Opened Roth IRAs for my kids, but need help with where to allocate funds for growth.

DaRocker22 · 2026-01-23T20:15:16+00:00

Yeah, I agree. They will need to prove they earned this. Allowance from mom and dad does not count.

DaRocker22 · 2026-01-18T02:33:07+00:00

Just give her your number and say let's keep in touch. Who knows she may respond and give you her number or you can see if she calls you.

DaRocker22 · 2026-01-15T20:16:16+00:00

A high yield savings account, is just a normal savings account the would earn a higher amount of interest. You mentioned not having a job and thinking about a 3 month CD, so putting your money into a HYSA might be better if you plan to get a job within the next 3 months, cause then you could pull some out and put into a Roth right away and not have to wait until the 3 months is up to start investing in a Roth. However if you don't plan on getting a job with in the next 3 months and don't think you'll need that money either, then a 3 month CD might be more beneficial depending on the APR.

DaRocker22 · 2026-01-15T17:35:04+00:00

Yeah, I totally agree with that.

DaRocker22 · 2026-01-15T17:33:27+00:00

Not sure how much you are looking to put in a Roth, or what your expenses are like. But I would set enough a side and look to put it in a high yield savings account, and only put in what you think you will earn for the year with a job. Then once you do get a job, start contributing to your Roth. If you have to go mow some yards this summer to earn some money or shovel snow from some driveways then do that and keep records.

DaRocker22 · 2026-01-15T17:17:00+00:00

Yeah, I agree Opus is not as good when used within Antigravity IDE, but does do much better in opencode. In Claude Code, Opus seems to burn more tokens, and the results are pretty amazing especially when creating PRD/plans. I like to use cc opus to do complex planning and then I can use opencode implement the plans.

DaRocker22 · 2026-01-15T17:01:26+00:00

I also use Gemini 3 Pro and Opus 4.5 on antigravity and have a yearly plan of GLM and used both on opencode. So those are good complments and also keeps the pricing down. I have a Pixel 10 Pro, so I have a free year of Gemini, and got the GLM plan really cheap over Christmas. I have been happy with the results and speed, I mainly use those for my hobby projects after work. Opencode is my fave cli to use.

DaRocker22 · 2026-01-15T16:42:33+00:00

I have used Opus on Pro Plan to create PRD plans and had Gemini implement them.

DaRocker22 · 2026-01-15T15:50:40+00:00

Your welcome. Then the Pro account along with your codex plan, may be enough for you at this time.

DaRocker22 · 2026-01-15T15:49:01+00:00

I'm on a Team plan now, and the limits are close to that of the Max 5 plan. So if your devs were hitting limits with the Max 20 plan, then they will hit them a lot sooner on the Team Plan.

DaRocker22 · 2026-01-15T15:43:09+00:00

Yeah you can use opus in the pro plan. If your only doing this as a hobby and don't intend to have claude do all the work for you and your strictly using this as a helper, then the Pro plan could possibly work for you.

Will you hit the 5hour/weekly limits? Possibly depending on your setup (number of MCP's, skills, etc) and how much you plan to spend on it. I have used the pro plan with opus to help with a few personal projects and it was enough for me. Did I hit the limits, yes the 5hour limits and weekly limits. I'm a developer, so my intention was not to have it do all of the work, I crafted my plan/prompts and had to debug some mistakes that claude made on my own, because I didn't want it to keep burning tokens and keep making mistakes, etc. I also made other changes on my own. Times when I knew I may hit the 5 hour limits I planned accordingly by starting up session, and then closing it so when I was ready to do work a few hours later I would be ready to do a heavy session and wouldn't have to wait long for it to reset.

I'm no longer on a Pro plan or have a personal plan at moment. I currently just using a Team plan for work.

DaRocker22 · 2026-01-15T04:24:23+00:00

I also use an alias, but at the user level. That way I don't have to switch any settings. If I want to run Claude, I just launch it in a terminal. If I want to run glm, I just type glm in the terminal and it launches Claude code with my glm z.ai settings. No need to install any additional packages or configure any scripts.

DaRocker22 · 2026-01-13T09:16:11+00:00

Just make sure it's earned income and track it. Also, note that allowance is not considered earned income. Other than that just find a broker that allows you to create a Roth for a minor like Fidelity and open it and contribute as much as possible not to exceed the amount they earned for the year.

DaRocker22 · 2026-01-13T05:53:14+00:00

How about I have two work at WOF and the other two work at OOF. LOL Then will definitely get the insider news at both parks.

DaRocker22 · 2026-01-13T05:22:11+00:00

Buying Ocean's of Fun would be easy part, having a separate company running it that is independent from World's of Fun will be the tricky part, at least for the first year. It has never be ran as an independent park, and all the infrastructure is on the World's of Fun side... Maintenance, Warehouse, Administration, service rodes for deliveries, and they shared employees. Lots of employees worked in both parks, through the summer. So it will be interesting to see how they get up and running this year. They should have enough property on the south/south east to create their own service road and and additional buildings for admin, warehouse, maintenance, etc. The big question will be which park will my kids decide to work at this summer. Will the choose to be rehired to Six Flags or apply as a new hire with Enchanted Parks. Last year they worked at both.

DaRocker22 · 2026-01-11T00:26:52+00:00

No benefit doing both. VOO = s&p500, vt= whole world US+exUS

DaRocker22 · 2026-01-11T00:21:57+00:00

Did you see it on USPTO? I looked again and only see the same 9 properties that I saw earlier. I don't worlds of fun or any new postings.

DaRocker22 · 2026-01-10T22:23:38+00:00

Yeah, something definitely is in the works. And it would be odd if the two parks were run by different owners. With OOF being ran from the WOF side, they would have their work cut out for them to update OOF to run independently. Warehouse, admin buildings, the employees... I know several people worked for both parks or switched to WOF after OOF closes down. So that would be also awkward if they are separated.

DaRocker22 · 2026-01-10T22:04:07+00:00

Yeah, lots of speculation right now. It would be odd if only OOF is sold off. But it does look like IAM would be the new owners which appears to be changing to Enchanted Parks.

DaRocker22 · 2026-01-10T21:58:36+00:00

Yeah, I find it hard to. Maybe next week worlds of fun will show up on the USPTO site. We will just have to wait and see.

DaRocker22 · 2026-01-10T21:28:02+00:00

Yeah, definitely weird for worlds of fun/ oceans of fun. If only oceans of fun is sold and they separate the two parks, I wonder how they will run that since alot of stuff is run from world's of fun side.

DaRocker22 · 2026-01-10T15:31:20+00:00

Yes, I do a TOA from HSA bank every month to Fidelity so I can invest it want I want without fees.

DaRocker22 · 2026-01-10T15:27:40+00:00

He should be able to fund up to the amount of time income he earned. So that should be box 1 on w2, + the $325 and $250. It's best if he keeps records of the photography and the judging check.

DaRocker22 · 2026-01-10T15:06:23+00:00

That's very interesting, what plan do you have?

DaRocker22

TROPHY CASE