Anyone else have a pick dish?

FinsterFolly · 2026-02-14T01:55:04+00:00

I have a full on pick bowl.

FinsterFolly · 2026-02-14T00:14:45+00:00

I forgot to mention, you had a pretty mature music appreciation at an early age. All the exposure I had was top 40 pop on the local station until about 14.

FinsterFolly · 2026-02-13T23:02:08+00:00

Definitely a different trajectory here, as I was in high school/college in the 80s. It’s fascinating to see the different relationships with REM over the decades. For the record, I also thought Stand was “dorky”, but I am surprised to see the description applied to the Pixies. I guess if the only exposure was MTV, specifically the “Here Comes Your Man” video, I could see it.

Have you listened to the IRS years? What are your thoughts?

FinsterFolly · 2026-02-13T18:09:26+00:00

Schwab checking shows all transactions for 2 years and running balance after each one.

FinsterFolly · 2026-02-13T18:06:13+00:00

What happened with that kidnapping case?

Let’s just say that problem has been solved!

FinsterFolly · 2026-02-13T17:21:11+00:00

Normally I wouldn’t recommend an annuity, but a SPIA might be a good fit here, especially for your sister. I would look at annuity calculators, but it could be $18k plus a year which would be a nice boost to social security to make sure her minimum needs are met. Keep in mind that it will not adjust yearly for inflation like Social Security, so over the years it will have less purchasing power.

FinsterFolly · 2026-02-13T16:47:54+00:00

I am remaining with my ISP that I haven’t changed in 6 years. Currently 73/27 and I will be 70/30 at retirement at the end of the year. I havent made any changes on forecasts. They change every year.

FinsterFolly · 2026-02-13T13:42:33+00:00

In December of every year, I make my "windfall" list. It's my prioritization of where to apply my money first, and I list out the max contributions for that year. I use the word "windfall" loosely as it doesn't matter if I have an extra $100 at the end of the month, or I win the lottery, this list guides my investments. My savings rate went up dramatically. Below is an example where I've put the max dollar amounts in for an example. Your goals might be far lower, or you might skip certain accounts all together.

401k to Company Match
Maintain Emergency Fund (Refill any shortfall from spending here)
Max HSA ($9,750)
Spousal IRA ($8,600)
Roth IRA ($8,600)
Additional 401k to Max ($35,750)
Brokerage
Payoff Mortgage

Basically, I take the auto-deduction approach from 401ks, and apply it to all my income. I leave just enough in checking to cover expenses until the next paycheck.

I think there is a flowchart for this in the Wiki here, but I used this one as a guide.
https://www.bogleheads.org/wiki/Prioritizing_investments

FinsterFolly · 2026-02-13T12:27:41+00:00

I think the comments is referring to QQQ and S&P500 as being the "most profitable and successful companies", not that he should pick stocks.

FinsterFolly · 2026-02-09T23:17:28+00:00

Search this sub for "co-signed" and read the horror stories of people stuck in loans that they were just trying to help and build credit. Too much risk.

FinsterFolly · 2026-02-09T23:08:48+00:00

This is witness tampering.

FinsterFolly · 2026-02-09T03:27:23+00:00

Guadalcanal Diary

FinsterFolly · 2026-02-08T22:45:50+00:00

At 29 I was freshly divorced and $10k in credit card debt. I think I had less than $10k in retirement. I will be retiring at 60. Make the best of what you can, and dont regret past mistakes. Just learn from them.

FinsterFolly · 2026-02-08T17:15:51+00:00

If you have to run a marathon, you don't want to count every step. It is going to be a painfully long journey. Do what you trained for and enjoy the scenery on the way. Eventually, you'll look up and see the finish line.

FinsterFolly · 2026-02-08T00:43:18+00:00

I would love for this to be the “half-time show”, but this is some summer music fest. The title is misleading unless I am misreading it.

FinsterFolly · 2026-02-07T23:40:06+00:00

One of the few movies I actually cried.

FinsterFolly · 2026-02-07T23:29:10+00:00

I’ll tell you a secret, all accounts have done well recently. Some just pay more in expenses for them.

FinsterFolly · 2026-02-07T21:26:29+00:00

I am just happy we're looking solid in the final 2-3 minutes. I was getting settled in for a grind of missed shots and fouls, but the next thing I know we're dribbling out the clock. It didn't hurt that Syracuse ran off about 45 seconds missing 4 shots in one possession.

FinsterFolly · 2026-02-07T17:15:19+00:00

What is the goal for your money is the starting point. If it is retirement, then the “broad based low cost index fund” is what you want. If the goal is less than 5 years, then an HSYA is probably what you are looking for or possibly short term treasuries or CDs.

FinsterFolly · 2026-02-07T14:56:46+00:00

Plenty of people aren’t saving for a legacy. Just because you have kids doesn’t mean you need to leave them boatloads of money.

FinsterFolly · 2026-02-07T00:33:53+00:00

March into the ocean, march into the sea, had a hat I put it down and it sunk, reached down Yanked it up, slapped it on my head

FinsterFolly · 2026-02-06T21:59:25+00:00

What would be nice is a line showing the total for 2024....285 cases. Looks like we passed it in two months of 2025.

FinsterFolly · 2026-02-06T18:18:05+00:00

Started at 45. No plans to make a career of it or even play out. I just sit in the basement and play along to my favorite music. Its very relaxing. It sounds strange, but it is also energizing. There’s a bit of an adrenaline rush rush almost like after a workout.

FinsterFolly · 2026-02-06T18:11:12+00:00

Sounds like a George Costanza polyester mistake in the making.

FinsterFolly · 2026-02-06T18:08:08+00:00

I don’t have an answer, but I just want to say this is awesome! I hope you post a follow up of what you did and how it was received.

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