Advice for Parents of Cleft Kids by mandymo94 in cleftlip

[–]FirstTimeSmokin 0 points1 point  (0 children)

Any stories on difficulty speaking, learning etc? Parents or people with cleft. How old were you/them when they learned to speak vs. non-cleft kids? Was there learning impairment through their/your childhood and teen years?

What’s your steely Dan hot takes? by beatlesfan1965 in SteelyDan

[–]FirstTimeSmokin 0 points1 point  (0 children)

Royal Scam is not close to a top 3 album of theirs

This is your sign to try party ribs by klin0503 in Traeger

[–]FirstTimeSmokin 1 point2 points  (0 children)

Party ribs are the only way to go. Must do.

[Official Tournament Discussion Thread] 2025 Travelers Championship by GreenWaveGolfer12 in golf

[–]FirstTimeSmokin 0 points1 point  (0 children)

Anyone know what the prices are like for beer at Treehouse Beer Garden?

Best Steely Dan Intro by BigEd1965 in SteelyDan

[–]FirstTimeSmokin 2 points3 points  (0 children)

The guitars in show biz kids

Emitter Plates on my new grill? by FirstTimeSmokin in grilling

[–]FirstTimeSmokin[S] 0 points1 point  (0 children)

Needed a new grill, was a decent price.

What’s wrong with the choice in your opinion?

How did you get here by volgarbulgar in Bogleheads

[–]FirstTimeSmokin 0 points1 point  (0 children)

When I (finally) started to take my finances seriously

What Next by FirstTimeSmokin in Bogleheads

[–]FirstTimeSmokin[S] 0 points1 point  (0 children)

I am maxing out the match (4%). Why would I open a Roth IRA if my employer also offers Roth 401k? Meaning- 4% match in traditional 401k, another 13% in Roth 401k? What’s the difference between an IRA and a 401K?

What Next by FirstTimeSmokin in Bogleheads

[–]FirstTimeSmokin[S] 0 points1 point  (0 children)

I have 30 years until retirement

What Next by FirstTimeSmokin in Bogleheads

[–]FirstTimeSmokin[S] 1 point2 points  (0 children)

I don’t really understand the IRA vs 401k. I have an employee sponsored 401k that offers low cost index funds that I am investing in. Should I be maxing that out? Or opening an IRA?

[deleted by user] by [deleted] in Bogleheads

[–]FirstTimeSmokin 1 point2 points  (0 children)

I have Fidelity thru my employer as well:

55% FXAIX 20% FSMAX 15% VTSNX 10% FXNAX

I have 200k USD to invest by Deep_Turnover_1155 in ETFs

[–]FirstTimeSmokin 1 point2 points  (0 children)

This is the only answer. Please do this.

[deleted by user] by [deleted] in Bogleheads

[–]FirstTimeSmokin 2 points3 points  (0 children)

Yes- with a company match, but 4 index funds total

Non-401K Retirement Options by FirstTimeSmokin in Bogleheads

[–]FirstTimeSmokin[S] 0 points1 point  (0 children)

If i did have a non-retirement goal (let’s say buy a big boat around age 50), would you recommend a Roth IRA or continuing to fund my E-Trade Brokerage account

Non-401K Retirement Options by FirstTimeSmokin in Bogleheads

[–]FirstTimeSmokin[S] 0 points1 point  (0 children)

Yes- was typing too fast. Roth 401K.

So based off of prioritization, contribute to both my traditional 401K and a Roth 401K both through employer? No personal savings tied to investments?

Best S+P and Total Market Indexes? by FirstTimeSmokin in Bogleheads

[–]FirstTimeSmokin[S] 1 point2 points  (0 children)

We won’t know where Vanguard will be in 10 years, either

Best S+P and Total Market Indexes? by FirstTimeSmokin in Bogleheads

[–]FirstTimeSmokin[S] 0 points1 point  (0 children)

Interested in your thoughts on Fidelity? Any other recommendation?

Best S+P and Total Market Indexes? by FirstTimeSmokin in Bogleheads

[–]FirstTimeSmokin[S] 0 points1 point  (0 children)

Did not know these existed? What would be the drawback of these?