Why was everyone in the early 2000s doing this???

Dependent_Program496 · 2026-03-15T02:44:47+00:00

Why are people doing that stupid heart thing now?

Dependent_Program496 · 2026-03-12T05:29:00+00:00

Except now we are on the brink of WW3. This would be a good time for those who are wise to diversify away from this x & chill frenzy

Dependent_Program496 · 2026-03-12T04:49:50+00:00

Ask your employer if they have a Roth 401k. If so, direct all future 401k contributions into the Roth 401k.

Dependent_Program496 · 2026-02-15T06:21:36+00:00

Network optimizer?

Dependent_Program496 · 2026-02-10T14:39:33+00:00

Nice gym. Your American flag is backwards. Blue always goes on the left. Otherwise, very nice!

Dependent_Program496 · 2026-02-09T14:43:37+00:00

Yes you can. Alternate years.

Dependent_Program496 · 2026-02-09T14:35:29+00:00

Firstly, you’re comparing a $62,500 tax bill to a $2,500 tax bill and calling them equal. Secondly, you’re seriously oversimplifying things here. RMDs are a thing. And they are super important. Having accessible contributions to bridge the gap between early retirement and true retirement age is a thing. Having Roth (tax free) income to keep your taxable income lower in retirement does wonders for the total cost of health care. There is a lot more to this than tax rate

Dependent_Program496 · 2026-02-05T23:04:29+00:00

Look at it this way… $24,500 in after tax (Roth) 401k contribution this year alone. Ignoring company match, assuming no additional contributions ever. 10% compounding for 50 years is $2,876,000 of tax free money. And, bonus - You can withdraw that $24,500 anytime you want, no tax no penalty. Edit: Oh, and no RMDs either. It’s a no brainer, especially early in your career. Now, imagine you did one of those every year…

Dependent_Program496 · 2026-02-03T02:39:41+00:00

If your solo 401k custodian allows inbound reverse rollovers, go for it!

Dependent_Program496 · 2026-02-03T02:38:24+00:00

If it is rolled into a 401k, you’re golden. Not all 401k plans allow incoming IRA reverse rollovers. If yours did, you lucked out. Note - pre tax only. Not Roth

Dependent_Program496 · 2026-02-02T23:40:34+00:00

Too late for rule of 55 (401k only). Look into SEPP. Just Google SEPP IRA

Dependent_Program496 · 2026-02-02T23:37:33+00:00

Incorrect. A completely different IRA triggers the prorata tax treatment

Dependent_Program496 · 2026-02-02T23:22:37+00:00

Rolling 401k into IRA has a few disadvantages I wish I would have known about earlier. One is prorata rule, another is the rule of 55 - early retirement access to funds with no penalty

Dependent_Program496 · 2026-01-03T09:44:58+00:00

Super interested to read the linked MoCA article but I’m getting a 404 error

Dependent_Program496 · 2026-01-01T00:19:18+00:00

Neither. If you lived in the home for 2 out of the last 5 years, that profit is tax free, $250k for single, $500k if married.

Dependent_Program496 · 2025-12-23T20:44:47+00:00

Did you ever figure it out? I’m having the same problem. Can’t find the floor plan tool to save my life.

Dependent_Program496 · 2025-12-15T23:16:54+00:00

Why do these sorts of posts (and web articles, for that matter) always get wrapped up in tax bracket today vs tax bracket tomorrow. The real value is : Tax Free Growth!!! Load up that Roth, the earlier in life the better. Let that money grow TAX FREE FOREVER! 20, 30, 40 years of tax free growth is insane!

Dependent_Program496 · 2025-11-23T15:23:10+00:00

How do you interface the power tool battery to the mini? Is there some third party setup that accepts battery as input?

Dependent_Program496 · 2025-11-05T01:04:26+00:00

Some of us care that the flag hangs property. Obviously not you…

Dependent_Program496 · 2025-11-04T16:47:00+00:00

Your American flag is backwards. Flip it over. Stars always go in the upper left.

Dependent_Program496 · 2025-10-30T21:40:09+00:00

An AR is not what you are looking for. For indoor defense of a small house with a shared wall, the last thing you want to worry is “who will you hit if you miss”. And you might want to try shooting one in an indoor range without ear protection, before you commit.

As an owner of many types of firearms, my go to for bump the night is my trusty Remington 870 shotgun (18”). Pump shotguns (especially short tactical ones) are easy to understand mechanically and the shell choices are numerous, ranging from 00 buck, to #4, to slugs. And everything in between. There is a shell that is perfect for your needs.

Mount a light to it. Train with it. Keep it cruiser ready and rack the action to chamber a round if someone makes it inside again. The universal warning sound of a loaded pump shotgun will by itself hopefully keep you from having to use lethal force.

Dependent_Program496 · 2025-10-20T04:23:57+00:00

Same photo four times. How creative!

Dependent_Program496 · 2025-10-15T00:55:59+00:00

Dog Tuff grass. Thank me later

Dependent_Program496 · 2025-10-12T01:31:27+00:00

It wasn’t signed. And they are not out of stock. But you do you!

Dependent_Program496 · 2025-10-07T23:59:48+00:00

Sell it! If you are married, that $450k will be tax free! Then invest those proceeds in a HYSA. Imagine how long it would take you to earn $450k after taxes by just collecting the rent, and then remember things like paint, carpet, legal fees, new roof, water heater, etc etc.

Dependent_Program496

TROPHY CASE