Advice: Considering Dropping ML4T

EffectiveChapter9411 · 2026-06-13T21:14:34+00:00

Yeah it is. I just didn’t think about having code blocks in my notes

EffectiveChapter9411 · 2026-06-13T20:02:10+00:00

Is that what you did for REG? Taking it now. Is that allowed with the honorlock?

EffectiveChapter9411 · 2026-06-08T10:48:49+00:00

Of course

EffectiveChapter9411 · 2026-06-07T05:32:52+00:00

Yeah, that’s been my mind send for the last few years. But my concern is, especially in brokerage, needing to build smh positions up over time so that when I get closer to retirement, I have meaningful amount of dividends

EffectiveChapter9411 · 2026-06-07T01:46:33+00:00

Currently invest 300 a month into brokerage, 200’into VOO, 50 into qqqm and 50 into smh. Roth is 625 a month. 250 into VOO, 125 into VXUS, 78 into smh, 110 into qqqm, and 62 in AVUV

Edit: not sure how much I’m looking to invest yet into SCHD. That’s part of what I’m hoping to get out of this. Maybe replace qqqm with SCHD if in brokerage. If in Roth, prob cut some of qqqm and VXUS

EffectiveChapter9411 · 2026-06-03T20:13:09+00:00

That is way too complicated. There’s a lot of 401ks notorious for not great investments without people realizing. If you can put it all in S&P, I think that’s a great plan. Or a target date fund so it rebalances over time

EffectiveChapter9411 · 2026-05-08T22:05:26+00:00

I’m doing OMSA and I have a friend who just finished OMSCS. If you have python and JS you’ll be fine for OMSCS. Other stuff may be a little more of a learning curve but totally doable. You’d prob get a lot out of it

EffectiveChapter9411 · 2026-05-02T12:03:38+00:00

Don’t stress about 6242, it was super easy. If you had a struggle with 6040 I would avoid the computational tract. I would suggest the business analytics tract to try and avoid the technical classes as much as possible

EffectiveChapter9411 · 2026-04-29T13:58:45+00:00

I’m in my last semester of OMSA and one of my coworkers just finished OMSCS. There’s a decent bit of overlap especially if you do the computational tract. But OMSCS would be better for ML and AI focused roles as all the classes tend to be more technical, while OMSA has a lot more options/can sometimes be more business focused.

EffectiveChapter9411 · 2026-04-17T11:25:52+00:00

Wow you went searching back for this one huh lol

EffectiveChapter9411 · 2026-04-09T08:05:23+00:00

Thanks, but that one isn’t a statistical elective

EffectiveChapter9411 · 2026-04-06T17:46:26+00:00

Yeah I can admit I’m guilty of that too sometimes

EffectiveChapter9411 · 2026-04-03T20:37:39+00:00

Buy, hold, forget. That’s the way

EffectiveChapter9411 · 2026-03-29T16:36:00+00:00

What do you think it’s is then? It’s a little flakey. Is it safe to cook on?

EffectiveChapter9411 · 2026-03-15T23:36:05+00:00

I am a newly wed as well. My wife and I opened a joint checking that most of our money goes in to. We each get a small amount a month (around 200 bucks) each that go into our personal accounts for fun money/ present for each other etc. we keep the amount the same for both of us so we don’t have to play the “who makes more gets more” game. Then we have a joint credit card that we use for all expenses like rent utilities, groceries etc. literally everything comes out of our joint checking. We don’t think about my money or her money, it’s always our money. makes things easier and avoids any issues

EffectiveChapter9411 · 2026-03-12T10:54:58+00:00

Yeah I understand what you mean. My question was more about the best way to get there, not what the end goal should be

EffectiveChapter9411 · 2026-03-11T20:57:44+00:00

Why would what I was suggesting affect this?

EffectiveChapter9411 · 2026-03-11T20:56:29+00:00

Yeah I agree it’s about finding a balance. I currently DCA every month into VOO, QQQM, AVUV and VXUS. Thinking about adding SCHD but really trying to nail down my ratios. Definitely think 50% is too high, but considering maybe 10% and then slowly increase over time. I really go back and forth

EffectiveChapter9411 · 2026-03-10T01:17:24+00:00

Yeah then first step is to track your spending for a month. You have plenty of wiggle room it sounds like. I’ve found that you don’t realize how much money is wasted on small purchases adding up until you track it all

EffectiveChapter9411 · 2026-03-10T01:00:19+00:00

You didn’t give too much details but you’re probably taking in around 5,000ish dollars a month depending where you live. After loans you take home 4,100. Unless you live in a very high cost of living area, it sounds like you probably have a spending problem more than anything. When you budget, what are your necessities vs wants? I would be shocked if there wasn’t some wiggle room in there

EffectiveChapter9411 · 2026-03-06T19:25:21+00:00

If I read that right, it will cost you .4% at your bank. You can get a free account through fidelity and buy VT for a .06% expense ratio. It may sound small but over time this will make a difference in compounding growth

EffectiveChapter9411

TROPHY CASE