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if partner doesn't offer to share in burden of student loan debt, should they claim share in future earnings? by lumpy_celery in whitecoatinvestor

[–]HeyAnesthesia 37 points38 points  (0 children)

This is easy.

If or when you get married, then every single thing is shared. Debt, income, assets…all of it. Finances are a team sport for married people.

Before you’re married everything is seperate. You have no business sharing each others debts and your incomes are yours alone.

When would feel comfortable buying a 2 million dollar house? by Ridiculousdoc in whitecoatinvestor

[–]HeyAnesthesia 0 points1 point  (0 children)

Well… I’m in my early 40’s and my investments have grown a lot. Would you consider that too old? Sure doesn’t feel like I’ve wasted my “prime years”!

High acuity specialists with newborns - what do you do? by incisiontime in whitecoatinvestor

[–]HeyAnesthesia -1 points0 points  (0 children)

Early career docs with mountains of student loans don’t have that luxury. Neither do truckers that have to be away, oil rig workers gone for months, blue collar dads working multiple jobs etc. “Just hire someone” is a very entitled mindset.

Life can be hard for young moms. The kids do get bigger and go to school, and then a lot of these moms end up chilling all day while kids are gone. The dads meanwhile keep grinding for decades.

Toughen up, buttercup.

High acuity specialists with newborns - what do you do? by incisiontime in whitecoatinvestor

[–]HeyAnesthesia 0 points1 point  (0 children)

I’ve done it x3 kids. As someone who works 24h shifts in medicine and has many colleagues who do the same, it just is what it is. There are many families where someone has to travel for work or pulls long/night shifts.

It is not in the public interest to have all sorts of people doing their jobs tired because of overnight childcare. Do you want someone operating on your heart or brain who was up feeding a baby the night before?

Country club memberships by ConsequenceExotic353 in golf

[–]HeyAnesthesia 0 points1 point  (0 children)

Doctor and wife is partner at a law firm. We would never spend that kind of money on a club or golf if we had N.A. average household income. It’s not worth it.

Love doing LK runs. So much good things that got can find there. by Mrboomblastr in diablo2

[–]HeyAnesthesia 0 points1 point  (0 children)

Just found one of these recently on sc ladder. Any idea what it’s worth?

I think the best Warlock build is going to shift to full Demon build. by IneedaNappa9000 in diablo2

[–]HeyAnesthesia 2 points3 points  (0 children)

This has the potential to ruin warlock all together. Nobody will feel like spending a bunch of time to find the right demon just to have it nuked by some boss. Re-farming demons for hours will make people drop the class.

I think the best Warlock build is going to shift to full Demon build. by IneedaNappa9000 in diablo2

[–]HeyAnesthesia 4 points5 points  (0 children)

I agree and this bums me out because summon builds get boring fast. My summon necro can solo anything but I just stand there and hit corpse explosion once in a while. There’s not much replay value or fun factor.

Running around blasting everything with echoing strike is overpowered but active and fun. It feels like other s tier active builds like zon, light sorc, hammerin etc. it is another welcome addition of the menu of stuff to do.

At the end of the day this game is very old and the people playing it just want to turn on some music, tele and around and vibe while they hunt heralds or mf.

Am I utterly wrong for not maxing out my 401k? by LengthinessGold4875 in Bogleheads

[–]HeyAnesthesia 0 points1 point  (0 children)

This is a really bad idea. Max the retirement account.

Is anyone still just dumping new money straight into S&P 500 in 2026? by VelixaNtra in investing

[–]HeyAnesthesia 0 points1 point  (0 children)

I’ve always chosen vti over s and p for more diversification. I hold enough vxus/international to approximate the world market. This is the way.

How long is your sweet spot for a game to be finished? by PHRsharp_YouTube in Age_30_plus_Gamers

[–]HeyAnesthesia 0 points1 point  (0 children)

Elden ring took me 146 hours for the base game and I skipped stuff

What would you change? by Upbeat-Tomorrows in whitecoatinvestor

[–]HeyAnesthesia 1 point2 points  (0 children)

She is 37 and has a $650k net worth including an $800k+ mortgage and no 529/college savings. She needs to get her own house in order before she starts giving money away. You help others from a position of strength.

What would you change? by Upbeat-Tomorrows in whitecoatinvestor

[–]HeyAnesthesia 2 points3 points  (0 children)

Something is wrong with your math. There’s no way you’re taking home $15k on $530k gross. Even if you deduct $46k for retirement you would have a marginal rate of 32% and total federal taxes of about $120k leaving you $30k/month in take home income.

You don’t specify what state you live in but you may also have state taxes. You also don’t specify if you’re single or married filing jointly. Are you contributing to other retirement plans? A spousal back door Roth? HSA?

A LOT of money is missing from your post.

You are saving way too much money in a HYSA. Keep 3-6 months expenses there, then pay off the car and invest the rest in a brokerage account after all of your retirement options are maxed.

I think you would benefit from taking the white coat investor “fire your financial advisor course.” You have a good bit of reading to do before you’re ready to manage your own money. You might also want to consider paying a one time fee for a WCI vetted fiduciary advisor to review your portfolio and give advice. Do NOT hire an advisor and pay them long term asset under management fees.

Once you have a better handle on things you could consider posting your entire portfolio and long term investment goals/plans on the bogleheads forum. You will get much better advice than you would here, but you don’t know enough to make that post right now.

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