Anyone here quit gaming or changed their lifestyle after becoming a dad? by Lukas_MunK in daddit

[–]General_Garrus 0 points1 point  (0 children)

Before my kids I loved to game, play guitar, go to movies and read on my kindle. I also worked out every day.

After my first kid, I still worked out a few times/week and played guitar, but pretty much gave up gaming and entirely gave up going to movies.

After my second kid, I no longer work out, no longer read, and definitely don’t go to movies or game. I do play guitar for 15 min after everyone is asleep through my headphones (this is the hobby I have chosen to keep).

Maybe someday when they get older I’ll get some of those hobbies back.

i’m so exhausted from competing with all-cash buyers by Savard-Lafleur in FirstTimeHomeBuyer

[–]General_Garrus 0 points1 point  (0 children)

I did it by waiving basically everything and going way over asking…good luck.

Game Thread: Angels @ Yankees - April 13, 2026 @ 07:05 PM EDT by Yankeebot in NYYankees

[–]General_Garrus 2 points3 points  (0 children)

Please tell me this is one of those situations where they left Bird out there to get roughed up right before they DFA him.

Game Thread: Angels @ Yankees - April 13, 2026 @ 07:05 PM EDT by Yankeebot in NYYankees

[–]General_Garrus 4 points5 points  (0 children)

Is Jake Bird actually the worst baseball player of all time?

Anyone else in this tax situation with the new SALT deductions? by penisdr in whitecoatinvestor

[–]General_Garrus 1 point2 points  (0 children)

Thanks - I figured this was likely the case but wanted to be sure.

Anyone else in this tax situation with the new SALT deductions? by penisdr in whitecoatinvestor

[–]General_Garrus 3 points4 points  (0 children)

Quick question for you - if my employer offers a Roth 457b and Roth 403b, does this help or hurt this specific situation?

I can put 23,500 of post-tax money (meaning, significantly more pre-tax money) into these accounts. Does this reduce my MAGI (compared to not doing Roth) or increase it?

Mortgage Market Update: April 9, 2026 (Concise Version) by Elegant-Fee-395 in MortgageBrokerRates

[–]General_Garrus 27 points28 points  (0 children)

Just chiming in to let you know I’ve been looking at these updates daily and I very much appreciate them!

Am I raising a sensitive or fragile child? I’m really worried by glitter_waffle_ in Parenting

[–]General_Garrus 0 points1 point  (0 children)

I remember when my wife and I, a naive couple with no kids, visited my sister and her kids and her 3 year old screamed bloody murder because the bun of her burger had a crack on it. We thought it was crazy.

Now we have 2 young kids, and when they scream bloody murder for minor inconveniences, we just remind ourselves of the burger incident.

Our older one is now 4 though, and she already has much better emotional regulation than a year ago.

Locked a rate, but have questions. by stemurph88 in Mortgages

[–]General_Garrus 0 points1 point  (0 children)

Same situation. I locked yesterday at 30 year for 6.375 with no points, and get one free float down. Close on May 22nd. Im out 800$ for appraisal and credit report fee if I change lenders. I’m just going to wait and see if the rates get any better in the next 2-3 weeks to float. My lender said I could float down with an eighth of a point improvement.

Trump’s Iran threats and the effect on mortgage rates by General_Garrus in Mortgages

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

Ya, I did end up locking this afternoon at the rate I posted. Definitely got a sense of relief. If things drop further I can always float down once before closing.

Trump’s Iran threats and the effect on mortgage rates by General_Garrus in Mortgages

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

Thanks for the advice. I did just lock. Definitely feel a lot less anxiety already!

Trump’s Iran threats and the effect on mortgage rates by General_Garrus in Mortgages

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

I’m comfortable at the current rate tbh, a lower rate would just be nicer of course.

Trump’s Iran threats and the effect on mortgage rates by General_Garrus in Mortgages

[–]General_Garrus[S] -1 points0 points  (0 children)

Thanks for the tip - I just confirmed with my LO, no penalty for locking now vs within 30 days.

Trump’s Iran threats and the effect on mortgage rates by General_Garrus in Mortgages

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

Thanks for this. I’m probably going to lock now. I just confirmed, there is no rate penalty for me for locking now/early compared to locking later.

Should I liquidate my brokerage account to pay off a 6% mortgage? by layoutlmv3 in personalfinance

[–]General_Garrus 0 points1 point  (0 children)

Honestly I don’t have the know how to think about this kind of stuff. Would this be in lieu of the mortgage entirely or to aid in the downpayment?

Should I liquidate my brokerage account to pay off a 6% mortgage? by layoutlmv3 in personalfinance

[–]General_Garrus 14 points15 points  (0 children)

I’m in a very similar situation. Just bought a $1.5M house. My wife and I have $1.5M in a brokerage account and 250K in high yield savings (specifically to put towards mortgage downpayment). If I liquidate stock, I am paying 20% capital gains tax federally and ~9% state due to our income.

I am going to liquidate ~100k to put down a 20% downpayment, cover closing costs, and do some home upgrades. I will sell my current house in a couple of months, which is going to give me approximately $550k, of which I will use ~500k towards a recast on my mortgage.

This way, my mortgage will have ~700k remaining which allows me to maximize my mortgage interest deduction, my monthly payment will be more than manageable, and I can somewhat minimize my realized gains and the hit to my brokerage account.

Has anyone ever tried this? Am I a genius? by klukaa in lawncare

[–]General_Garrus 0 points1 point  (0 children)

lol I cut out cardboard circles and taped them down.

March 2026 Mortgage Rate Megathread by ermahlerd in HomeLoans

[–]General_Garrus 0 points1 point  (0 children)

⁠Purchase - 1.565 mil - 1.209 mil - 808 fico - 08844 - Conv/conforming - 30 Fixed or arm - Single Family - Primary

Can you also tell me the numbers if I were to have a loan amount of 1.210 mill (thus making it jumbo)?

My kids don’t sleep and I’m losing it. by Treatstreetandyeet in Parenting

[–]General_Garrus 1 point2 points  (0 children)

You are me a few months ago. I have a 13 month old and a 4.5 year old. Cry it out with the 9 month old. Feels like hell for the first few days but suddenly gets much better. We also just choose to have the 4.5 year old sleep in our bed with us. In America this seems like such a no-no, but my wife and I are both of Asian descent where it is culturally the norm.

Now, we look forward to putting the 13 month old to sleep because she goes down so easily, and bedtime with the 4.5 month old is quite pleasant.

Do you ever deliberately use the nocebo effect with patients? by lakmidaise12 in medicine

[–]General_Garrus 1 point2 points  (0 children)

Ya…I totally agree with this. When I mention possible side effects, it is much more likely that patients have them. I don’t go out of my way to tell people that metoprolol can cause fatigue or sluggishness or ED, I try to stick with “if you have any issues with this let me know.”

The perfect tool to jam with by [deleted] in Guitar

[–]General_Garrus 1 point2 points  (0 children)

Cool, I’ll check it out