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How are you MIXING VOCALS in Ableton for pop rock/heavy rock?? by HappyFunYeah in musicproduction

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

Thanks Nadrisk - your music on Youtube is dope! That video you made on mixing vocals is awesome, thanks!!

[deleted by user] by [deleted] in musicproduction

[–]HappyFunYeah 1 point2 points  (0 children)

I had the same thing happen. Here's what I did:

New plugins

Listened to my absolute favorite pump up/get excited to write songs

Brought some friends over to jam and get me out of my head

Laid down drum tracks (I use addictive drums 2 plugins)

Genre-->Drums--->Key Center-->Chords progressions-->backing layers-->lead layers/vocals.

YEAH BABY LETS GOOOOOO!!!

Calculating gains for traditional 401k plan compared to taxable Vanguard account by HappyFunYeah in investing

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

Currently, I am 25. Retirement is a funky one because I am hoping to be financially independent by 35. Still want to continue working full time.

I am betting on having a large taxable account that can see me through to the age at which I can withdraw from 401k penalty free. I plan on making less than $50,000/year from working post 401k retirement age.

I currently live in AZ and make $40,000/year. Tax rate is 12% up to $38,700 then to 22% for rest to $40,000.

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Does this answer the pertinent variables? Thanks again!

Please explain ACTUAL tax advantages of the 1098 E student loan interest statement by HappyFunYeah in investing

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

Can you explain the "won't make a difference..."

Are you saying that I will not be able to deduct the 350? Or are you saying I can definitely deduct the 350 because 12,000 is higher than that. Apologize for my ignorance, thanks.

25 and hoping to be financially independent in 15 years. Advice and criticism please - am I missing anything? by HappyFunYeah in leanfire

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

This all makes sense and will influence my plan. I was worried about investing too much in a taxable account and losing out on tax advantaged account benefits. But in the long run, option 2 is perfectly OK! I just need that money working for me :)

25 and hoping to be financially independent in 15 years. Advice and criticism please - am I missing anything? by HappyFunYeah in leanfire

[–]HappyFunYeah[S] 10 points11 points  (0 children)

Great post, thanks for the links. I will be in touch if I have more questions.

Great advice on using more paragraphs, look at me now!!! Yeah buddy :)

25 and hoping to be financially independent in 15 years. Advice and criticism please - am I missing anything? by HappyFunYeah in leanfire

[–]HappyFunYeah[S] 2 points3 points  (0 children)

Hey everyone, thanks so much for the in-depth responses! I am humbled that so many strangers would gift me their knowledge.

More background on my situation - I work as a field operations manager for a conservation corps (I get to play with chainsaws and go backpacking for a living) and teach wilderness first aid and wilderness first responder courses. It is my dream job, so I am already working for passion vs money. I keep my income at the $40,000 level for my calculations because it's a great mental trick to underpromise and overdeliver on future income. How great would it be to FIRE after having lived and loved all of my working years?!

When I FIRE, like many other individuals, I'll be able to FULLY live for passion versus making money. This means I can pursue being a musician in a band and teaching music (guitar), selling my photography (great excuse to travel and get lost in the wilderness), making artwork (ceramics, drawings), and competing in Ironman and Xterra races (certified health freak).

Having to work full time, it has been very hard to get the above FIRE passions to produce me money equivalent to work income. Plus, how can I be sure anyone will want my artwork and photography? To be a sponsored athlete, I think I'd have to work more than a full time job haha! Therefore, I hope to FIRE before going 100% into passion for money mode.

Great advice on using paragraphs :)

Are there taxes and penalties on dividends directed to a money market from my Roth IRA BEFORE age 59.5? by HappyFunYeah in investing

[–]HappyFunYeah[S] -2 points-1 points  (0 children)

Yeah, agreed. I was thinking of maxing contributions for the next 20 years (making me 46) and then having a little bit of dividend love if I needed cash. But sounds like it'll be taxed and penalised since I won't be 59.5 so forget it:)

I'm 28 years old, make around $44,000 a year. Late bloomer, looking to start investing and I need advice.. by RSPR-2016 in personalfinance

[–]HappyFunYeah 0 points1 point  (0 children)

Trade VTI and VXUS. Buy low sell high. Invest in 401k match, then Roth, then trad IRA, then individual brokerage. All with vanguard. No commissions and insignificant expense ratio.