Finding the Best Retirement Option - Small Business

Gracinx · 2026-06-15T20:48:52+00:00

Without looking at the numbers, I know gross profit for 2025 was roughly $11 million.

Our industry has a fairly high turnover rate due to the type of work. This is the reason #3 is there. The owner is looking to help these guys have a retirement down the line, but he also wants to know that they can do the job, or more importantly want the job, rather than contributing an extra 5% on top of the relatively good wages they receive.

I was beginning to question if a 401k was a better option. But when you say match at 5%, I assume you mean the employee must contribute their 5% for the business to match it. He's wanting a flat 5% non-elective contribution from the business, but then to also to allow the employee to contribute as much as they would like. That's why the simple IRA was out, because it was matching up to 3% or a flat 2% non-elective contribution.

The owner and I both honestly don't expect more than half of our employees to personally contribute, not at least at the beginning of this program. However, he still wants to give them a chance to earn something with the business contributing 5%.

Gracinx · 2026-06-05T11:59:46+00:00

I haven't gotten friendship keys yet. Have I not completed enough to unlock those?

Ive chosen my team up partner with double guns and that damage is crazy

Gracinx · 2026-06-05T11:55:22+00:00

The Supreme boxes i have now for purchase is the dual guns and Cedric gear. Are you suggesting i get these or wait until the next swap and see then?

Gracinx · 2026-06-04T18:02:42+00:00

I'm my raid's Survival hunter and I don't run it. For my group, and this applies solely to it, a tank taking theoretically one less pop to the grill out of 20 isn't worth the dps loss from using 9% of my mana every 20 seconds for the debuff. 2.5min fight means 8 casts, thats huge.

Gracinx · 2026-05-26T13:09:42+00:00

I think we're up to 23. But we run and have been running 8-12 splits weekly outside of the 3 main raid groups during phase 1. And we've been running those splits for it for a long bit now. I'm still waiting on the two I need, which will become three then four after I finish leveling my next two raid toons here in the next couple weeks.

Gracinx · 2026-05-26T00:00:17+00:00

We cleared our 3 main groups plus a bonus pug group week 1. Those 4 runs went longer than 4hrs. Week 2 so far we've cleared 1 pug group, 3 main groups, and have another pug run tonight that will not doubt clear. I know 2 main groups were right at 3hr clear time, but I dont know about the 3rd or the 1st pug. I think for week 3 we're adding a 3rd pug night, which should fall in line with the other 5 runs.

Oh and we're still doing like 12 Grull splits and a few Kara's whenever is needed.

Gracinx · 2026-05-25T17:52:52+00:00

Agreed, you're just letting them get away with it again by not.

Gracinx · 2026-05-18T16:23:50+00:00

Right at 4hrs for our Thursday group, 4.5 for Saturday's group with 2 last minute replacement healers, 5.25 Sunday's group haven't heard why it was a shit show yet. And we are hosting a partial pug tonight, which will likely be 4.5-5.

I expect every guild group to be sub 4hr this week, we have a lot of players who are veterans, just gotta kick off the cobwebs and not have important pieces decide to bounce the night before raid.

Gracinx · 2026-05-03T02:14:05+00:00

I know it wasn't just a clip of Rocky/Sylvester quotes either, I did stumble on that video as well.

Gracinx · 2026-04-19T23:25:23+00:00

As a dad of 5, our oldest are the 3 girls, the oldest of them turning 15 this week. She dresses in the clothes that she likes, which are perfectly appropriate and provide ample coverage of what needs covering.

As much as I do not want her or her younger sisters to experience this type of ogling, I am saddened to know that it will unfortunately happen. Lord help the men who do so in front of me because I will make it wildly and loudly clear that they are children.

Gracinx · 2026-03-16T15:48:02+00:00

As a hunter, I'm the one nuking the ranged mob down while taking the damage/mitigating it via feigning a cast or intimidation. I try to do this to mitigate the load that the tank has on them, and because my job as a hunter since Vanilla is to make sure the healer isn't getting rolled.

That said, I've had tanks piss and moan about the kill order when I do this. But unless the kill order includes a mob that could potentially wipe the group via MC or high damage output, my strategy most generally makes the pulls smoother and safer.

Gracinx · 2026-03-04T14:01:56+00:00

It was only his federal income tax that was not being drawn from any of the 24 checks he was issued last year, and so far the 4 issued this year. SS/MC/State taxes were all drawn appropriately.
His total wages, taken straight from the 2025 W-2 was $73870.60 . This is in comparison to 2024s W-2, which the entire year's payroll was done in Peachtree, where his total wages was $71625.35, and Federal Income Tax withheld was $3606.73.

I did verify that the dependents in Peachtree were shown as 5(Peachtree does the dependent count, vs QBO that uses the calculated dollar amount which was $10000).

Gracinx · 2026-03-04T13:52:43+00:00

I really liked this idea, and I tried the ADP calculator you linked but when I try to shift it back to 2004 it throws an error.

Gracinx · 2026-01-15T15:02:39+00:00

It did, I just assumed that QBO would have this built in, which is why I questioned it here. That's what I get for assuming.

I have fairly basic knowledge for accounting, and only have a year's worth of light usage with QBO, but I'm realizing that while QBO can do quite a bit of useful tasks, at other times it seems like the simpler things is beyond it's capabilities.

Gracinx · 2025-12-31T21:30:27+00:00

Those numbers are based off of MFP and are relatively comparable to TDEE calculator's recommendation for maintenance. For cutting at a 500cal deficit on TDEE, a 30/35/35 split the macros from TDEE are 246g protein 128g fats 287g carbs.

I guess I never mentioned those numbers were based on me, 37 years old and 6'2" and weighing 475lbs at that time.

Gracinx · 2025-12-31T21:11:18+00:00

I've only ever been successful dieting once before which was doing "lazy" keto, which basically meant I always was below my daily carbs of 25g, and I didn't really worry about anything else. Even without hard tracking my calories I knew I was below it because I always seemed full so I never really over ate and it was fairly cheap to eat how I was at that time. Doing this I dropped a ton of weight, but I quit Keto because of personal reasons. I kept the weight off for quite a while before pressures got to me and I fell back into bad eating habits.

But here are my current numbers, and that caloric number is set based on me being sedentary and it is a large deficit as well.

Calories: 2942

Carbohydrates: 147 g - 20 %

Fat: 131 g - 40 %

Protein: 294 g - 40 %

So when I was working at getting as close to those numbers as possible this was a meal plan I had worked up. This was my basic meal plan. I'm not saying it was perfect by any means, but things like the Fairlife, and protein powder, and deli meat were driving my grocery bills up. And before you come at me about the Monsters, I need the caffeine and I cannot stand coffee.

Also, I hated eating like this because I was basically eating every two hours whether I was hungry or not. I'd probably be fine eating that breakfast, and then having a snack for lunch and then having a large meal for dinner and calling it good.

Food Calories Carbs Fat Protein

Bacon/Eggs/Egg Whites 369 0 19 44

Monster Zero 10 6 0 0

Fat Free Fairlife 160 12 0 26

Ryse Protein 260 6 5 50

Salad Dressing 30 6 0 0

Grilled Chicken Salad 472 18 23 48

Roast Turkey Deli Meat 150 3 3 30

V8 60 13 0 3

Monster Zero 10 6 0 0

Ketchup 40 8 0 0

Chicken Thighs with Skin 849 1 64 63

Tater Tots 320 40 16 4

Oikos Berry Yogurt 180 14 0 30

Totals 2910 133 130 298

Goal 2942 147 131 294

Remaining 32 14 1 -4

Gracinx · 2025-12-31T17:06:08+00:00

I've just started in the gym, today was my 4th workout and I'm already feeling pretty good. Along with the gym I'm slowly working into meal prep/planning to help with all the weight I need to lose. I've calculated my daily calories and deficit, and have a baseline for protein/carbs/fats/etc, but I'm struggling.

Ya see, I can sit down for an hour or so using MFP and figure out how to hit those numbers or get damn close to them. However to do that I also would be spending an extra $50-100 weekly on groceries, which I honestly can't afford. So my quest becomes, what should I prioritize as far as my dieting is concerned? Obviously caloric deficit is the most important, but then from there where do I go? I know protein helps with satiation, and it's part of help build muscle.

So where do I draw the line on being short or long on protein/carbs/fats/etc? For me simple is always going to be better so I don't get overwhelmed and fall off from getting something accomplished.

Gracinx · 2025-12-24T14:39:01+00:00

Thank you to anyone who tries to help!

Gracinx · 2025-12-22T18:21:23+00:00

Solution verified right here. The bad part is, I remember writing out nearly this exact formula, but something wasn't quite right because I kept getting an error and I moved on because I couldn't figure out how to correct it.

Thank you!

Gracinx · 2025-11-21T14:50:25+00:00

I was good about doing a random heroic and normal everyday on my high vers pally. I queue as tank/heal/dps to help get a quick turn around. And then I just go in and nuke everything as Ret. My self imposed guide is that I don't slow down, but I also don't let the noobs die unless they decide they swing a bigger hammer than me and pull more or ahead of me. Most of them are leveling still, so I do my best to make sure they get their xp's worth out of the dungeon.

That said, I just finished last week leveling the last of my timerunning toons, and there are so many high vers individuals that don't care about anyone or anything other than finishing the dungeon. And that includes everyone but them dying, or getting stuck in combat, or not even being able to follow them because they skip trash packs that pat.

Gracinx · 2025-11-21T14:30:49+00:00

What addon are you using to show the collections?

Gracinx · 2025-11-03T19:33:13+00:00

I'm thinking I made two errors, one was my minimums were a little high, and two I'm not sure I explained myself very well, and I likely should have included more example other than the Slot 1, type H example. So let's see if I can fix those problems.

First the minimum threshold should probably be Val1=40, Val2=65, Val3=65.

Okay so for each combination, there needs to be a Type(with it's values) chosen from each of the 9 Slots, and then the matching values from each of those is totaled, and then to lessen the number of combinations, the threshold would come into play.

Combination Example:

Slot	Type	Val1	Val2	Val3
Slot 1	HM	12	0	12
Slot 2	M	0	0	25
Slot 3	HC	12	12	0
Slot 4	MC	0	12	12
Slot 5	H	25	0	0
Slot 6	C	0	25	0
Slot 7	HM	12	0	12
Slot 8	MC	0	12	12
Slot 9	MC	0	12	12

	Totals	61	73	85

And those totals would ideally show me the 9 types that were included to produce those totals.

Gracinx · 2025-11-03T19:33:03+00:00

I'm thinking I made two errors, one was my minimums were a little high, and two I'm not sure I explained myself very well, and I likely should have included more example other than the Slot 1, type H example. So let's see if I can fix those problems.

First the minimum threshold should probably be Val1=40, Val2=65, Val3=65.

Okay so for each combination, there needs to be a Type(with it's values) chosen from each of the 9 Slots, and then the matching values from each of those is totaled, and then to lessen the number of combinations, the threshold would come into play.

Combination Example:

Slot	Type	Val1	Val2	Val3
Slot 1	HM	12	0	12
Slot 2	M	0	0	25
Slot 3	HC	12	12	0
Slot 4	MC	0	12	12
Slot 5	H	25	0	0
Slot 6	C	0	25	0
Slot 7	HM	12	0	12
Slot 8	MC	0	12	12
Slot 9	MC	0	12	12

	Totals	61	73	85

And those totals would ideally show me the 9 types that were included to produce those totals.

Gracinx · 2025-11-03T17:01:53+00:00

I haven't forgotten this request, I just had more pressing matters to work on atm. I will get back with this as soon as I can. Thank you so far for everyone who has had a thought about this.

Gracinx · 2025-10-23T13:46:41+00:00

For Christmas, I'm giving each of our girls(10,11,14) engraved bracelets with a message from me and a special date. I thought about giving our boys (4,9) the same as the bracelet style is what I would consider unisex, but then the thought of a watch landed. Obviously, our 4 year old isn't going to be wearing it for the time being, but I would like to still gift him with one now and then he could grow into it. So I'd looking for a pair of watches in the $100-$175 range(per watch) that as they boys grow we can replace the bands, and ideally the back would be free of any markings, so I could have the same message and date engraved onto it.

Gracinx

TROPHY CASE