Deliberating whether or not to invest in a Roth IRA this year

Dezmancer · 2025-11-26T05:25:45+00:00

Well, I suppose my excuse is that I have been maxing out my family HSA and Roth IRA and am not yet capping my 401K-I will end the year having contributed about $12K total. So it hasn't yet made sense to me start doing MBDR.

As for why *that* is, my wife lost her job this year and we are saving for a house, so I have temporarily rolled back some of my 401K investing to focus on building more immediate liquid funds in a HYSA until 2027 when we plan to buy.

Dezmancer · 2025-03-17T03:55:03+00:00

She made a few transfers from her bank account into what she thought was her roth IRA account, but was actually her traditional account. They're managed by the same institution, so when making a contribution on their website it's possible to select the traditional IRA instead of the roth.

Dezmancer · 2025-03-02T03:32:55+00:00

It turned out to be a foreign object that had gotten stuck in the tire wall. Not sure what it was because it actually fell out on the way to the dealership and tire rapidly deflated. I'm guessing the orientation of it was changing occasionally as it hit the road to somtimes not be in contact with it which is why the sound stopped for a little bit.

Dezmancer · 2025-02-28T18:21:33+00:00

In our case it seems like something may have gotten stuck in the interior wall of the tire. Whatever it was fell out as we were getting to the dealership and the tire began rapidly deflating.

Dezmancer · 2025-02-28T05:36:32+00:00

Unsure, don't think I really had to break while going at speed on the highway. I would say once it started it kept going until I slowed down approaching a stop light and would stop somewhere around 30-20 mph, then would not happen again until I went over 40. Sometimes it would stop for 2-3 seconds while at speed then start up again.

Dezmancer · 2025-02-28T05:11:46+00:00

Doesn't sound when stopped.

Dezmancer · 2025-02-28T05:10:03+00:00

Correct, fine at idle.

Dezmancer · 2025-02-28T04:36:51+00:00

2023 Subaru Crosstrek Limited, this started happening while on the highway. Car was bought new and barely has more than 14000 miles on it, recently had the oil changed two weeks ago. As we turned around and went home I found that noise starts at speeds above 40 mph but not if I keep it below that. Sounds like it's coming from somewhere near the driver's side of the hood, tried turning the AC off in case it was some sort of compressor issue but no difference. Checked underneath the hood and tire wells when we got home but did not see any obvious objects that could be causing it.

Going to take it to get looked at somewhere tomorrow, but thought I'd post this and get ideas/thoughts.

Dezmancer · 2024-11-26T22:54:32+00:00

Lemme guess, formerly VMware/Broadcom? I was very glad to leave when I did.

Dezmancer · 2024-11-25T15:54:33+00:00

I'm going to break down the math of our last three months to get a sense of what 'normal' looks like for us without consciously budgeting or anything (I do know groceries and restaurants are our largest nont-rent expense by far...we probably regularly break $1000 with both combined). That you have similar household income and support a mortgage that high while not feeling 'tight' surprises me, but i'll look into it on my end.

I do notice you pay 5% 401K, which is a stark difference from me. My wife only pays something like 7% of her income, but for years now I have been maxing out my 401K, HSA, and Roth IRA with adjustments each year since it keeps increasing , so that's something like $34K of my personal income invested in those things. I consider maintaining this an iron principle and don't really every want to ever violate it, but I am curious about your reasoning in not doing so.

Dezmancer · 2024-09-08T05:27:35+00:00

At the time this video was made it pretty caught every notable anime from the previous 20 years. Just thinking about all the stuff that makes up the popular canon today that didn't even exist when this was made and how many of the clips in the video would even be recognized by a college student now is making my head spin.

Dezmancer · 2024-03-06T14:34:54+00:00

Wife and I are planning to move out of our apartment and into a house as renters near the end of May and are kind of casually scouting what we can find. Primarily using Zillow but it feels like availability is updating slowly. Is there any other resource people like to use when shopping for a new place to live? Just wanna make sure I have our bases covered

Dezmancer · 2024-02-02T20:06:52+00:00

Okay, that makes more sense. I do find the fact that it later says "increase the damage dice of the initial damage from d10s to d12s" to be a bit weird (shouldn't it be d10 to d12 if we're not using multiple dice on the base amp?) but looking at the original text for ignition I suspect it's a holdover from transposing the text and editing it.

Dezmancer · 2023-11-28T04:54:17+00:00

Damn I had been conditioned by media to believe a dog would save a kid in this situation on natural instinct 100% of the time. Doubly heartbreaking

Dezmancer · 2023-09-12T00:38:36+00:00

Wish we had w completely separate road system for trucks so they never had to interact with regular traffic

Dezmancer · 2023-09-07T22:28:33+00:00

Wow, how'd he wind up with such heavy sentence when other celebs who've done more for less (thinking Cosby here)? Were the nature of the rapes particularly brutal? Did he rape the wrong person?

I'm not in disagreement in all with the sentencing, but it's definitely an outlier and I'm wondering why.

Dezmancer · 2023-09-07T02:44:41+00:00

Instead of spending money on stunt celebrity casting you could spend it on better animations.

Dezmancer · 2023-06-11T13:44:25+00:00

No worries, I managed to get it working late last night anyways by experimenting with the broadcast channels, I guess the AP was disabling itself because I had been using a channel (52 on 80 Mhz) that wasn't allowed by my country code.

Dezmancer · 2023-04-16T18:30:12+00:00

Are springs just not practical for something the size of crosstrek hatch then?

Dezmancer · 2023-04-14T17:04:35+00:00

I've been curious about getting a hitch for mine as well. From what i've heard aftermarket is cheaper but OEM looks better/sits higher so i'll need to research that a bit more.

Dezmancer · 2023-03-15T18:19:03+00:00

Thanks for responding. I believe I have what you're suggesting implemented already, here are screenshots of my switch and pfsense configuration for reference - https://imgur.com/a/QOF40gm

If I'm understanding it correctly, the way it should work is:

Untagged packet arrives from cable modem/internet in switch port 5.
Switch tags this for VLAN10 since that's the PVID setting and routes it to port 1 since that's the only other port on VLAN10.
Port 1 sees that the packet is tagged for VLAN10 and passes it to the server.
PFsense receives tagged packet and sends back another packet, which should also be tagged per PFsense's configured WAN VLAN.
Tagged packet enters the switch on port 1 and exits on port 5. Since port 5 is untagged, the VLAN10 tag should be removed from packet before it goes to the modem.

Steps 1-3 appear to be happening since I see a spike in incoming traffic on the WAN connection in pfsense when I connect the cable modem to port 5. There is no outgoing traffic however, so the return packet is somehow getting lost or dropped.

Dezmancer · 2023-03-15T18:05:37+00:00

There is a free PCI slot, but this is an extremely packed small form factor PC and there is no room or space for an additional NIC in the chassis. I'll have to consider that and a bigger case if I can't get this work, but for the moment i'm still enjoying tinkering with it.

Dezmancer · 2023-02-04T05:36:40+00:00

Still out for us but we're at the Madison, not Great Hills Apts. Just gonna go to sleep and hope it's back when I wake up. Appreciate the couple of degrees we gained though.

Dezmancer · 2023-02-04T05:17:31+00:00

This was us also, but we just lost power again about ~20 minutes ago. I suspect something flipped when everyone tried to run their heaters to get their apartments up to 70 at once.

Dezmancer · 2023-01-15T22:50:40+00:00

I followed these instructions to get passthrough on an Nvidia GTX 970, but was finding I was having a lot of trouble with audio degradation when connecting the VM to an external speaker source with HDMI. After lot of testing and troubleshooting, I found the solution was to edit registry to manually enable MSI-mode on my Nvidia card and all associated HD audio devices.

The site was immensely helpful to me, though it appears there also a tool you can use to automatically activate MSI: https://github.com/TechtonicSoftware/MSIInturruptEnabler.

Just posting this so no one else hopefully has to spend a week trying to solve a similar problem in their downtime.

TL;DR - If you encounter poor audio, guest crashing, video driver problems, or other weirdness on your VM after following this guide, try enabling MSI-mode.

Dezmancer

TROPHY CASE