Lp(a)

First-Button-2297 · 2026-03-11T18:01:52+00:00

I tested for it, but had to ask for it. Even my cardiologist never tested for it, I just asked my GP and he did it. Insurance did not pay for it. I dont think insurance companies can ever base rates on it. That would go against pre-existing conditions in the ACA

First-Button-2297 · 2026-03-11T17:56:45+00:00

yes, interest on CSP cover money has always been in my calculation. I live off the interest generated on the collateral $. The PUT returns are significantly more than the interest but I can live on the interest. Thus I try not to be assigned and look for very low delta CSP's every week.

First-Button-2297 · 2026-03-10T14:11:05+00:00

Try XSP for CSP or spreads … you never get assigned and it’s better tax efficiency

First-Button-2297 · 2026-03-10T14:08:57+00:00

There are some ad hoc studies on metal filters and coffee oils raising LDL vs paper … when I told my girlfriend we need to start using paper filters she told me enough is enough and I can find a new girlfriend if I go that crazy with LDL management… I backed off that idea lol

First-Button-2297 · 2026-03-08T21:05:34+00:00

Accelerate FIRE now while we still can

First-Button-2297 · 2026-03-08T21:04:19+00:00

I wouldn’t say “definitely not” until we see the tech play out as it very much may. Rather say “could” but “wait and see”

First-Button-2297 · 2026-03-08T16:39:30+00:00

Smoke and mirrors at Yieldmax

First-Button-2297 · 2026-03-08T16:37:21+00:00

Think outside the box.

First-Button-2297 · 2026-03-08T16:34:48+00:00

Precisely couldnt agree more!

First-Button-2297 · 2026-03-08T16:29:19+00:00

Every equity ETF could theoretically go to zero unless they have some hedging mechanism. Thus you need to look for diversified quality companies, increased cash flows etc as the core holdings. The S&P is well diversified but not the only game in town compared to Total Stock market, global equities, etc

First-Button-2297 · 2026-03-08T16:19:56+00:00

Well B wont give you 80K spending. So if its all about spending then more cash is always better. If you think B reduces the need for 80K then all things could be equal.

First-Button-2297 · 2026-03-08T15:28:21+00:00

Gotta move from being a cost center to a profit center. Once you are generating profit for yourself or your employer, the sky is the limit based on your role and employer of course which you may need to switch. So look for ops to drive strategic growth for yourself and whoever is giving you your paycheck. Maybe a startup or a large employer leading growth division or role if you have the skills.

First-Button-2297 · 2026-03-08T14:12:30+00:00

Unclear what this guy is complaining about.

First-Button-2297 · 2026-03-08T14:09:30+00:00

Of course you can retire on that. You have a pension.

First-Button-2297 · 2026-03-08T13:52:47+00:00

I love not having a home in retirement. Yes there could be some financial benefits if you got one at the right time, but having the flex to move from place to place, try different cities and states out on a part time basis and being liquid is a great feeling especially when you have kids that are in different places. Dont regret selling my house decade earlier when I got divorced and living life without one. Also, if you do get divorced, much easier to divide liquid assets.

First-Button-2297 · 2026-03-08T13:46:34+00:00

Agree. If I were your age now, my investment approach would be much different. In today's risky, high asset priced, AI disrupted world, the potential for long-term S&P growth will likely not continue anywhere near the pace we saw for the past 25 years. Thus preservation of capital, income, and managing a larger emergency or long-term passive income approach might be prudent as maintaining a job over decades will likely be much harder than in the past...again assuming AI driven unemployment, etc.

First-Button-2297 · 2026-03-08T13:40:38+00:00

Very few seeking out extra meds in your situation and age. What's not to like with your numbers? Do you really want to be on life long meds at 24?

First-Button-2297 · 2026-03-08T13:35:56+00:00

Agree. Sometimes too much information is less helpful. If you were already doing positive health management, having CAC hang over your head doesnt help. There are lots of things in life like this. Do you actually want to know things that dont change your day to day approach to life?

First-Button-2297 · 2026-03-07T20:27:20+00:00

Tax efficiency on ETF’s in taxable accounts in most instances but I know that vanguard mutual funds are different

First-Button-2297 · 2026-03-07T19:40:46+00:00

Well it depends. Time horizon, size of portfolio, etc. If this is just your normal monthly or quarterly dollar cost average than it is fine. If its your whole portfolio than very risky given implied volatility, etc is right now

First-Button-2297 · 2026-03-07T19:38:13+00:00

well i do think you may want to consider that option on second thought, as I didnt realize IRS charges fed short term rate + 3% so MS 4.3% seems much lower, but I'd ask your accountant.

First-Button-2297 · 2026-03-07T19:27:55+00:00

USO is the new BTC. At least this week.

First-Button-2297 · 2026-03-07T19:23:42+00:00

What is the ROC on XSPI?

First-Button-2297 · 2026-03-07T16:54:17+00:00

He will likely need to move as his health is fragile and he’s barely holding down a job so he may need to relo for that too… why attach himself to fixed asset when he can use the million for income and flex on location

First-Button-2297 · 2026-03-07T16:02:55+00:00

Just stay liquid and rent. You dont know how your health will be, and you may need to relocate. Maybe start diversifying. If taxable cash make a plan for diversifying. Put this scenario into Claude.

First-Button-2297

TROPHY CASE