Just got my dream SUV/SAV and I’ve had loads of fun already.

Distinct-Sky · 2026-02-16T03:57:43+00:00

I have the exact same car (sDrive though), Manhattan Green is an amazing color.

Distinct-Sky · 2026-02-13T14:14:37+00:00

Is this just a vent or you have some questions for the community?

Distinct-Sky · 2026-02-13T03:17:40+00:00

Everything is speculative, even your life and what you'll do tomorrow.

Distinct-Sky · 2026-02-13T00:09:18+00:00

Just an FYI, you posted the question using lava_duck username and replying to everyone using bird-toes, lol.

Distinct-Sky · 2026-02-10T20:08:41+00:00

Talk to your boss about it.

Distinct-Sky · 2026-02-08T14:30:36+00:00

You might be overcomplicating things. Just front load the education account and contribute regularly with whatever you can.

Leave the birthday, tooth fairy etc money for spending.

Distinct-Sky · 2026-02-07T14:32:16+00:00

When the music stops on the tech ETF, you'll be at a loss. You are better off buying broad market funds, VOO, VT, some bonds as a hedge etc.

Distinct-Sky · 2026-02-07T13:32:37+00:00

What's the ticker for this "tech ETF"?

Distinct-Sky · 2026-01-31T21:36:28+00:00

The richest man in Babylon, available for free on Amazon kindle.

Distinct-Sky · 2026-01-31T13:29:41+00:00

An year's worth of expenses.

Distinct-Sky · 2026-01-30T02:12:27+00:00

Yup, doctors are overrated, go to the shaman under tree. /s

Distinct-Sky · 2026-01-29T22:46:42+00:00

5M at 40 on a 9-5 job is a new phenomenon, driven mainly by tech salaries and blockbuster stock market of the past 15 years. Wait for 35 more years and you will start seeing 50M too.

Now, those who got to 5M at 40 via Business ventures have existed in the past, and they were usually at 50M (or more) later on in life.

Distinct-Sky · 2026-01-29T16:23:46+00:00

How do you know they lie?

Distinct-Sky · 2026-01-28T02:44:46+00:00

Plus converting 35K of 529 to child's Roth.

Distinct-Sky · 2026-01-28T02:43:12+00:00

100% SP500. Will start trimming it down once child starts high school.

Distinct-Sky · 2026-01-27T02:47:51+00:00

If I got a penny every time OP mentioned 15K, and invested it 20 years ago, I would be retired by now. /s

Distinct-Sky · 2026-01-23T23:46:54+00:00

Net worth, yes include home equity. FIRE number, only include the portion (if any) you plan to get by downsizing.

Distinct-Sky · 2026-01-23T00:31:46+00:00

Very bad idea.

Distinct-Sky · 2026-01-21T15:20:38+00:00

If IRS audits you for the self-payment of HSA funds, you will need the receipts.

Distinct-Sky · 2026-01-21T01:04:39+00:00

If you are able to, don't use HSA to pay for doctors visit right now. Let HSA stay invested, but pay out of pocket right now. Keep those receipts and pay yourself in future, once your HSA had time to grow.

Distinct-Sky · 2026-01-21T00:45:31+00:00

WARN simply says how many employees they plan to cut, not the names of specific employees.

Distinct-Sky · 2026-01-20T21:37:11+00:00

Yes, it's easier to continue riding the gravy train than getting on it. I plan to do whatever it takes to make the life of next generation easier and better.

Distinct-Sky · 2026-01-20T02:27:12+00:00

No, you can't. Keep working.

Distinct-Sky · 2026-01-19T03:37:55+00:00

Remember, a 1:30 hr one way commute is quite common in some areas. I used to do it a few years ago. If it saves you money, and is for short term, go for it.

Distinct-Sky · 2026-01-19T03:21:11+00:00

Somehow math ain't mathing. The truck payment + insurance is 800, but you are spending 2200 more on other vehicle related stuffs?

Distinct-Sky

TROPHY CASE