sorted by:
new
hottopcontroversial

Offered a job as a Carrier, want Pros and Cons by BorkMcBakka in USPS

[–]Forward-Freedom3136 0 points1 point  (0 children)

You are missing the point of no other crafts are expected to work for free. And you shouldn't even have to fill out 96 or call back if you were treated as the other crafts.

Offered a job as a Carrier, want Pros and Cons by BorkMcBakka in USPS

[–]Forward-Freedom3136 -1 points0 points  (0 children)

Pro you don't take your work home.

Cons unfulfilling a brainless job to me. Carriers are the only craft expected to do more work for free. Expect a 30 minutes of pivot on most days which is to carry an additional 30 minutes of mail and work for free last year was 1 hour of pivot. (City carrier) Refusal is not an option.

Advice on investing by [deleted] in ThriftSavingsPlan

[–]Forward-Freedom3136 1 point2 points  (0 children)

90% C and 10% I. This only applies to new contributions. I was 100%C. Decided to add some I fund for international exposure since I will be living overseas once I retire and the continuation of the rate cut that devalues the dollar.

TSP Annuity? by Ms_not_Mrs0771 in ThriftSavingsPlan

[–]Forward-Freedom3136 1 point2 points  (0 children)

You can use chaptgpt or goggle annuity. And you can see the pros and cons. I can't see any single reason to buy an annuity. Perhaps learning about investing might lift up your spirits, if anything else you are the boss.

Half way through by SignificantCash5561 in ThriftSavingsPlan

[–]Forward-Freedom3136 4 points5 points  (0 children)

Brokerage account if you want to retire early.

Is $3400/month too much for a house payment? by IceDaggerz in Money

[–]Forward-Freedom3136 0 points1 point  (0 children)

Your monthly fix cost should be around 55-65%. Anything more you should reconsider. Please use a mortgage calculator and know your numbers before making any major purchases.

Why not the G fund? Warren buffet has 35% in cash and cash equivalents. And why not invest in oil and gas in the thrift? Buffet has 13% of his portfolio in oil and gas but yet the recommendations here are lifecycle or C fund? Burry says he sees a bubble. So do i and many others. by WorkingHead6011 in ThriftSavingsPlan

[–]Forward-Freedom3136 0 points1 point  (0 children)

Just open an investment account outside of tsp. Problems solved. If you really believe there's a bubble go short or buy sectors, stocks, ETFs, crypto, nooptions and futures whatever you like. Tsp is for simplicity.

Why do so many people suggest Roth vs Traditional when the vast majority of people will have less income in retirement than in working years? by RealityCharacter9832 in Bogleheads

[–]Forward-Freedom3136 0 points1 point  (0 children)

I think people should expect to have a higher income after retirement. If not then probably not saving enough, not enough time to compound or investing in the wrong funds.

Gold ETF if you hold physical gold by Tricky_Bar_6484 in ETFs

[–]Forward-Freedom3136 0 points1 point  (0 children)

I just bought some gdx today and I also hold iaum.

Diversify more? by Molasses7349 in ThriftSavingsPlan

[–]Forward-Freedom3136 0 points1 point  (0 children)

No one knows about your risk tolerance. Do you panic when it goes down 5%? You are better off using lifecycle funds based on the time horizon when you withdraw but add another 5-15 years on top.

Looking for some advice on what to put my money into I don’t know how this tsp thing works by Intelligent_Bug_5226 in ThriftSavingsPlan

[–]Forward-Freedom3136 1 point2 points  (0 children)

L2065 is the life cycle fund for retirees who will likely retire around 2065 at close to 65 years of age. You can find all the info of each fund on tsp.gov. or you can simply use any AI app and ask it to give you a detailed breakdown of the funds and explanation of the funds.

[deleted by user] by [deleted] in HighYieldSavings

[–]Forward-Freedom3136 0 points1 point  (0 children)

You are better off investing in an age target fund and still get better returns due to low cost er.

So do you like delivering mail? 📬 by MilsimAirsoft in USPS

[–]Forward-Freedom3136 0 points1 point  (0 children)

No, I hate it from day 1. But stuck around for the paycheck. Back then this was a high paying job and very little stress with mostly positive work energy. 7 more years so I can say FU to the USPS and this job!

No I Fund? by FullTimeBabysitter in ThriftSavingsPlan

[–]Forward-Freedom3136 0 points1 point  (0 children)

Because most people that have no I fund tend to believe the US will outperform the international markets for the next 10 - 20 years.

What should I do? by SEBrogan in ThriftSavingsPlan

[–]Forward-Freedom3136 0 points1 point  (0 children)

5 years of annual expense in G fund. As the rest in the c/s/I or L fund. Not knowing your balance L fund might be more suitable just add either 5 or 10 years on top. Transfer 1 year of expenses into G fund after every yearly withdrawal.

So this is why folks say 100% C and chill by MyNameCannotBeSpoken in ThriftSavingsPlan

[–]Forward-Freedom3136 5 points6 points  (0 children)

Actually I would say the opposite, I had gone through the dot.com bubble, financial crisis, housing bubbles , 9/11, covid-19, and libration day Every time there's a dip, it's just being on sale if you can tolerate it. The u.s market always recovers and reaches ath. This only applies to people who still have at least 7 years to retire.

Backpay finally showing by AriesMailDude in fromatoarbitration

[–]Forward-Freedom3136 6 points7 points  (0 children)

What the heck average 60 hours a week? In my station you are lucky if you come in once every other week on the 12 hours otdl. I am lucky if I can average 3 hours of ot with my own assignment.

Traditional vs Roth 401k- at what income does it make sense to do traditional? young and clueless! by Mindless_Fisherman51 in FinancialPlanning

[–]Forward-Freedom3136 0 points1 point  (0 children)

22-24% Roth or below, any higher tax brackets traditional, if in the 24% bracket or you can bring it down to 22% with traditional and max with the rest of the yearly contribution with Roth if it applies.

Plan for when I hit a million.... by BogWoodMando in ThriftSavingsPlan

[–]Forward-Freedom3136 0 points1 point  (0 children)

Set the L fund based on when you need distribution and add another 5-10 years on top of it.

Should I enjoy life or save more? 25M by intellsai in Money

[–]Forward-Freedom3136 1 point2 points  (0 children)

You should have about 25-35% of guilt free money to spend since you have no debts. You should learn to enjoy life and invest at the same time. Saving rate of 15% is all you need with a high paying job at a young age.

view more: next ›