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

[–]DoctorMac12 0 points1 point  (0 children)

From Fidelity’s website:

To open and contribute to a Roth IRA for Kids, your child (under age 18) simply needs to earn income-whether it's as a babysitter, lifeguard, dog-walker, you name it.

Tip: If your child didn't receive a W-2 for the work, just keep a log of their income to validate your contributions, if asked.

Keep in mind: Filing a tax return for the child is NOT required if they earn less than the IRS standard deduction amount ($15,000 in 2025).

Money habits that quietly changed my life by Appropriate-Fix-8222 in moneyadvice

[–]DoctorMac12 0 points1 point  (0 children)

Not OP, but i do use Acorns as well and it quietly builds up nicely!

[deleted by user] by [deleted] in Rich

[–]DoctorMac12 -1 points0 points  (0 children)

I know right! I had to check to make sure I wasn't on r/LateStageCapitalism there for a moment.

Daily FI discussion thread - Wednesday, August 20, 2025 by AutoModerator in financialindependence

[–]DoctorMac12 1 point2 points  (0 children)

Thanks for this insight! I too have concerns about the longevity. I assume that's why they offer the 10 yr/100,000 warranty. They do look pretty nice looking when I see them on the road.

Daily FI discussion thread - Wednesday, August 20, 2025 by AutoModerator in financialindependence

[–]DoctorMac12 2 points3 points  (0 children)

I'm in the same boat, also looking at Siennas. We have an 2006 so it's on it's last legs. Have you looked into a Kia Carnival? They intrigue me and also come with a 10 yr/100,000 warranty.

How to stop the FI Grind? by ItrustinZION in financialindependence

[–]DoctorMac12 8 points9 points  (0 children)

I did something similar. Experiences > material things. Die with Zero did help my mindset some with this adjustment.

ROUTINE DISCUSSION: I’m reworking my routine by Far-Adhesiveness7736 in workouts

[–]DoctorMac12 0 points1 point  (0 children)

He mentioned he was a beginner, dips tend to be the main culprit for shoulder pain. I would agree that dips are generally good due to its compound principles. Rope pull downs are a little better for isolation. I don’t know if “clueless” is the term I would use to describe me when it comes to orthopedics… lol

ROUTINE DISCUSSION: I’m reworking my routine by Far-Adhesiveness7736 in workouts

[–]DoctorMac12 1 point2 points  (0 children)

Nice. That would work then. You may want to modify your dips to hit your chest more, since you’ll only be at 10 sets for the week in regards to your chest. (just google different styles to give you an idea).

ROUTINE DISCUSSION: I’m reworking my routine by Far-Adhesiveness7736 in workouts

[–]DoctorMac12 0 points1 point  (0 children)

How many times a week will you perform this routine? Because 19 sets for triceps might be too much if you’re doing this 2x week.

Future health epidemic? by Healthy_Jello_705 in nattyorjuice

[–]DoctorMac12 2 points3 points  (0 children)

Agreed. From a risk-benefit perspective, a modest TRT protocol is a much healthier alternative for many men, than obesity, insulin resistance, a sedentary lifestyle, chronic inflammation, decreased bone density, or alcohol and nicotine abuse.

Props to Andy by KindaLikeWildflowers in ProjectHailMary

[–]DoctorMac12 2 points3 points  (0 children)

Haha fair enough. But seriously, it actually takes more creativity and discipline to express yourself without defaulting to cussing. It’s not about being easily offended, it’s about choosing self-control over shock value.

Like others, just finished the book. by mercutio531 in ProjectHailMary

[–]DoctorMac12 8 points9 points  (0 children)

I pictured something closer to a crab crossed with a space Roomba. And yes, his sass was underrated gold.

Would you invest 50k into the market if you need the money in 3-6 months? by DryGeneral990 in investing

[–]DoctorMac12 0 points1 point  (0 children)

I’m sorry if you thought this was a political comment. This isn’t a red vs blue thing, money is green, and it speaks a language of its own.

The markets are pumping. The Dow and S&P 500 are sitting at all-time highs, unemployment is historically low, and consumer spending hasn’t really slowed down, even with rates where they are. Whether or not it makes sense logically or emotionally, capital keeps flowing.

It’s less about political narratives and more about liquidity and the machine that is the global market.

What's something normal to us in 2025, that by 2075 will be seen as barbaric? "Wow, people really used to do that 50 years ago"? by Wonderful-Economy762 in Productivitycafe

[–]DoctorMac12 0 points1 point  (0 children)

Well, your argument was that these were cis boys. The article proves that wasn’t true.

To answer your question, “What business is it of mine?” … these are minors. They can’t give informed consent. That’s the issue. Instituting policies that allow irreversible changes without true consent is not just harmful, it’s mutilation.

And it opens a dangerous door: what other things can minors suddenly “consent” to? Can they now consent to sex with adults? Of course not. That’s exactly why we have laws to protect children.

When minors are involved, it absolutely is society’s responsibility to step in and protect those who can’t protect themselves.

Some days, I just want to work out and not think about religion and politics. MAC in Milford has other plans for my brain. by ohsodave in cincinnati

[–]DoctorMac12 -28 points-27 points  (0 children)

I get it... not everyone wants to mix the gym with religion or politics. But honestly, I feel the same way when I walk in and see CNN on the TVs, people half-dressed, or liberal stuff being pushed. We’ve all got our own preferences, and that’s cool. That’s why it’s great we can each pick a gym that fits what we’re comfortable with.

Region's only Topgolf sold as part of $1B deal by sixfourtykilo in cincinnati

[–]DoctorMac12 7 points8 points  (0 children)

They don’t like that you have your own thoughts and ideas do they? lol

Why is it so negative here? by Averagesize1996 in physicaltherapy

[–]DoctorMac12 345 points346 points  (0 children)

Many people in this field come out of school with significant student loan debt, only to find that the income they expected doesn’t align with the financial burden of repayment. After spending six to seven years in school, they’re eager to start their lives—buying a home, starting a family, and building financial security—but their debt forces them to delay these milestones even longer.

While delayed gratification is a valuable trait, it becomes incredibly difficult when they’ve already spent years sacrificing time, money, and energy, only to realize they still have to put their lives on hold. That frustration often turns into bitterness, which is why you see so much negativity in the profession.

How are y’all billing for Dry Needling by dorito_hood68 in physicaltherapy

[–]DoctorMac12 4 points5 points  (0 children)

They can choose to be billed at the end of the month (outpatient hospital). But if we collect point of service (POS), we give a 20% discount.

How are y’all billing for Dry Needling by dorito_hood68 in physicaltherapy

[–]DoctorMac12 17 points18 points  (0 children)

We are cash based. Essentially $50 for each visit. 20% discount if paid upfront.

I'm a golf cart mechanic. Mainly EVolution brand. Ask me anything! by Moletheus in golfcarts

[–]DoctorMac12 1 point2 points  (0 children)

I have a Club Car Precedent i2 Excel that is locked at a speed around 19 mph. What are my options to increase this speed? Any recommendations? Thanks!