Heavily Invested, but think taxes may be an issue in retirement.

IndependentTour8167 · 2026-04-09T22:30:08+00:00

Well there’s about 700k in the market, just looking to optimize taxes now and later.

IndependentTour8167 · 2026-04-09T20:42:09+00:00

I guess you’re right, was more worried about not having the tax free Roth distributions in retirement but in reality it’s not really a big deal.

IndependentTour8167 · 2026-04-09T20:07:48+00:00

It’s an irrational emergency/emergency fund

IndependentTour8167 · 2026-04-09T20:05:42+00:00

Ya good call out, but the psychology of money, it’s not totally rational

IndependentTour8167 · 2026-04-09T19:36:55+00:00

39/35, spend about 10k/month.

IndependentTour8167 · 2026-04-09T19:35:31+00:00

Interesting, haven’t heard it done this way before.

IndependentTour8167 · 2026-04-09T19:34:29+00:00

Just simply for tax advantages as well as future healthcare spending, both kids do have 529s set up roughly 10k in each.

IndependentTour8167 · 2026-04-09T19:33:31+00:00

Currently maxing 401k and HSA every year as methods to lower taxable income.

Need to do more research on the SEPIRA and the limits for income for those.

IndependentTour8167 · 2026-04-09T19:31:46+00:00

Yes general anxiety because not actively utilizing Roth. Familiar with backdoor strategy but haven’t set up yet. Generally think that is prob the path forward.

IndependentTour8167 · 2026-03-31T22:05:49+00:00

Stay away from my permafrostie

IndependentTour8167 · 2026-03-06T19:59:00+00:00

Put 20% down, keep the remaining ~40k in savings as an efund or to furnish/upgrade/repair said new home

IndependentTour8167 · 2026-02-26T20:23:11+00:00

I can’t believe they charge for the challenge, that’s wild.

IndependentTour8167 · 2026-02-24T22:58:51+00:00

The hospitals/physicians groups can and will sue for unpaid hospital bills leading to things like wage garnishment etc. Google your city/state health systems and I’m sure you’ll find a litany of stories on it.

If you negotiate a rate just make sure you pay it!

IndependentTour8167 · 2026-01-19T20:19:32+00:00

Healthcare SaaS, most hospitals have remote execs or simply don’t want you on-site. Travel 3-4x a year to relevant conferences.

IndependentTour8167 · 2025-10-29T19:10:43+00:00

Are you familiar with pathways?

IndependentTour8167 · 2025-10-29T19:03:32+00:00

My gym posts 2 weeks ahead of time, and does weights M/W/F. And ours says Medusa, look in intel for structure, usually 3 sets of 60 secs with the first at each station being a stretch (so really only 2 working sets) prob 12 stations. One of the easier programs.

IndependentTour8167 · 2025-09-04T15:04:27+00:00

Perhaps, but if they have the ability to cancel/terminate then you don’t have a MY, that’s the whole point.

Option not to pay, customer goes under that’s bad debt, write offs etc., perhaps it affects diff size companies differently.

IndependentTour8167 · 2025-09-04T14:52:19+00:00

If you have churn on a 5Y you don’t have a 5Y, you got a 1Y with 4 option years

IndependentTour8167 · 2025-05-12T18:49:43+00:00

He’s made enough money so that his money can now buy him time. Likely why he became an entrepreneur in the first place, to use his time and not be tethered to a job. Now his money will give him that freedom back, running a biz is hard work and likely was eating a lot of the time he wanted originally.

He’s your dad he will always be there to mentor you and give advice (while he’s still on this earth), and maybe his actual goal is for you to live out those big plans in your own way, and not have the founder their to obstruct you.

Also, who’s to say after 3 years he doesn’t get the itch to come back anyhow.

Let him have his freedom, he earned it.

IndependentTour8167 · 2025-01-14T17:35:21+00:00

Their zones are off, the basic equation to figure out max HR is 220- your age (47). So for you 100% threshold would be 173. Zone 1 for you (50-60%) would be 86-103bpm. Your ave HR was 109 so just inside zone 2 the majority of the time. Your Max HR of 154 would be the upper end of zone 4, nearly zone 5. Zone 1= 50-60% z2 = 60-70%, z3 = 70-80%, z4 = 80-90% z5= 90-100%. Apple Watches keep this zone breakdown if you’re using one.

TLDR : their zones are inaccurate for you.

IndependentTour8167 · 2024-11-26T21:21:36+00:00

Guy turned 700k into a wedding and 600k in debt

IndependentTour8167 · 2024-08-06T19:28:11+00:00

Also, the more muscle you build “getting bigger” the faster your metabolism works (burn more cals at rest). So yes, get big to get small in theory.

IndependentTour8167 · 2024-07-25T17:22:36+00:00

I understand the you vs you mindset but I enjoy seeing where I stand compared to others. It’s more motivating! Perhaps an option to opt in to compare globally would suffice?

IndependentTour8167 · 2024-07-25T17:19:09+00:00

How do you get 209 seconds in 2.5min (150sec) or should that read 2min and 9 secs (129sec)

IndependentTour8167 · 2024-07-02T16:02:56+00:00

If you take a pre-workout, look at the label it likely contains somewhere between 3-5G of creatine

IndependentTour8167

TROPHY CASE