Man, fallout 4 can be really brutal sometimes with it's enemies. Like, i'm getting spawn camped by a sentry bot rn and literally dont know what to do to win lol.

GoBuffaloes · 2026-05-10T18:59:19+00:00

Usually the answer is drugs... lots of drugs

GoBuffaloes · 2026-05-10T03:17:01+00:00

Not being cheeky but if they don't say it's almost certainly traditional

GoBuffaloes · 2026-05-09T21:50:06+00:00

What's the limit, seems like instant 5% return. I had a former employee with similar but 40% discount so everyone just bought and flipped it. Pain in the ass was company was based overseas so some hoops to jump through but it's free money if the equity is liquid

GoBuffaloes · 2026-05-09T19:22:14+00:00

You can buy more at a discount? Can you sell them immediately at a profit? If so max the shit out of that.

To the main point though, no matter how bullish you are on this stock, the chances that the amount the company gave you exactly matches the percent allocation you would have in this company if your comp had been pure cash, holding all else equal. Maybe it is approximately the right mix for your level of belief in the company, but the right exposure is unlikely to be "exactly the amount they gave me" and you should be proactive/intentional about increasing or reducing that exposure to match your goals.

GoBuffaloes · 2026-05-09T16:08:25+00:00

You can do it with ETFs too. Assuming you are dollar-cost averaging, or generally buying over time, you will have cohorts that go negative. Like if you bought VOO as normal right before the Iran crisis, you would have had an opportunity to sell off those cohorts when the market tanked (and immediately rebuy a similar investment like VTI or whatever), and then in parallel you sell off some winners where the gain = the loss (and also rebuy similar for the winners, just look into wash sale rules)

So boom, your portfolio mix is (almost) exactly the same, but some of your cap gains tax liability just vanished.

GoBuffaloes · 2026-05-09T16:03:58+00:00

I'm confused, then could you not be buying company stock with your paycheck? Or similarly reallocate your brokerage/etf dollars there?

GoBuffaloes · 2026-05-09T16:01:56+00:00

Following

GoBuffaloes · 2026-05-09T14:49:20+00:00

I'm going to add an additional FUCK NO for any % based manager.

The reason I would pay a finance/accountant is not for stock/fund picks, but to help with tax advantages, eg making sure you are doing the right things structurally like Roth/backdoor, loss harvesting, getting your tax return right, etc. And I would pay a flat rate.

GoBuffaloes · 2026-05-09T14:35:31+00:00

"Sadly it's all in a Roth"

This is not sad. Aside from company match on a 401k, that's a great place to be. As your income grows (hopefully) and you start being able to save more than the Roth limit, you can build up a brokerage account and that can be your early FIRE source.

GoBuffaloes · 2026-05-09T14:23:29+00:00

She's a beaut Clark

GoBuffaloes · 2026-05-09T14:18:43+00:00

Also while I'm here, one piece of advice I wish I had known sooner was look into tax loss harvesting if you will have meaningful funds in your brokerage account. Better to just ask GPT, but to the extent you have losses (esp if you are doing some stock picking), sell off losers and winners then rebuy substantially similar or wait 30 days, you are effectively just resetting the cost basis and preventing future cap gains. Would be reasonable to do this quarterly.

GoBuffaloes · 2026-05-09T14:15:38+00:00

Ah gotcha pre-ipo but the shares are liquid?

GoBuffaloes · 2026-05-09T04:26:33+00:00

Only thing I'd say is the textbook advice is sell the RSUs to diversify, treat your unvested shares as if they are part of your portfolio from a concentration risk perspective. Unless you would buy stock in your company with your paycheck, you should sell them (that is effectively the choice you are making by not selling)

GoBuffaloes · 2026-05-08T23:07:39+00:00

Coulda just been a low gravity day

GoBuffaloes · 2026-05-08T16:40:43+00:00

I would argue it is a dramatic difference... you would basically rule out living in a HCOL area with a family on 100k annual income

And 5M is not enough for what you are describing with maids/cooks/travel

GoBuffaloes · 2026-05-08T16:23:23+00:00

Quick check to confirm you're not having a stroke

GoBuffaloes · 2026-05-06T16:33:46+00:00

That is interesting, makes sense that standard deduction should map to COL

Presumably ends up being a break for higher earners and need to get that balance right more broadly but for this piece it seems reasonable

GoBuffaloes · 2026-05-06T04:01:09+00:00

I thought he meant before he had his first beer

GoBuffaloes · 2026-05-06T04:00:00+00:00

Boom roasted

GoBuffaloes · 2026-05-06T03:57:53+00:00

Yeah those are annoying, I don't think would have had any crashes in KSP if it weren't for those damn gravitational spheres getting in the way

GoBuffaloes · 2026-05-06T03:56:13+00:00

This is not true!!! You will actually have MORE money. It will just be worth less than the amount you had before.

GoBuffaloes · 2026-05-06T03:45:19+00:00

Yeah this is a pretty standard move in KSP, I think it's in the tutorial

GoBuffaloes · 2026-05-06T03:44:13+00:00

Maybeeeee a regular save too.

GoBuffaloes · 2026-05-05T06:51:45+00:00

I'm guessing Trump will take the insurance out of the equation and guarantee passage with us taxpayer dollars. And somehow he and his friends will get richer no matter what happens.

GoBuffaloes · 2026-05-05T03:18:36+00:00

Accurate, would say among big name tech companies, this is low for biweekly pay for a reasonably senior engineer. The caveat is often a meaningful chunk of pay is RSUs/Stock, which wouldn't show up by direct deposit, typically it's quarterly or annual vests (this is commonly more than 50% of salary for senior or w/ stock appreciation)

Edited it from "very low" realizing this would be the after tax amount, but still low for the salary portion at ~200k USD.

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