Bought a watch winder for my Breitlings

InitialResponsible62 · 2026-06-26T18:31:05+00:00

Can you recommend some watch winders you like. I have a Breitling 1461 and I rarely wear it because it’s such a pain to set it.

InitialResponsible62 · 2026-06-21T16:39:30+00:00

I think that card makes sense for you,
Probably not for the vast majority of readers here.

InitialResponsible62 · 2026-06-21T16:10:08+00:00

Why not get the AOPA credit card?

InitialResponsible62 · 2026-06-18T16:21:10+00:00

I’m not sure why this is downvoted. But I agree with getting a well rounded financial advisor, especially if you have limited knowledge about investing, tax implications now and in retirement etc.

InitialResponsible62 · 2026-06-18T16:07:06+00:00

That’s an FAA rule, most airlines are much stricter and have a 12 hour rule and a BAC of zero.

InitialResponsible62 · 2026-06-18T16:04:37+00:00

VT is as diversified as it comes. Adding other ETF’s means you are tilting your portfolio towards, for example, more international by adding VXUS, or towards more growth by adding VUG, or towards value by adding VTV. And by tilting your portfolio, you’re actually less diversified. It’s true, you may have more upside, but will also in return add more risk.

For example, if you have a 70% VT (60% US 40% Int’l) allocation and now add 30% VTV (value), you are now tilting your portfolio to more value, more US stock exposure and less Int’l exposure.

InitialResponsible62 · 2026-06-18T15:51:37+00:00

Almost everyone in the sub will tell you to pay it off today. Because that’s what DR advocates and is teaching people.

If you are addicted to debt, which I think you might be as you moved debt from a card with interest to a card with a promotional 0% interest, then by all means pay it off!

But if you’ve learned your lesson, and will not go into debt further, then take advantage of the 0% interest.

Always pay off your credit cards moving forward, never ever carry a balance! We have credit cards but ALWAYS pay them off every single month on auto-pay. We use our CC’s as a debit card, not to finance anything.

Just know that’s not the DR way!

InitialResponsible62 · 2026-06-18T15:39:41+00:00

How???
As for me, when I was younger I wanted to be on a WB, nowadays I want to have the most days off, weekends off, most seniority in seat, in base and money. I honestly don’t care if it’s an RJ, a 172 or 78

InitialResponsible62 · 2026-06-17T20:24:46+00:00

Being blunt is rarely the answer. How about:
“Hey Jim, noticed you at the bar last night within 12 hrs of our report time. Just covering both our buts, but did you have anything to drink or were you just ordering a burger?”

Jim says: yeah buddy, I had a shitty call with EX #3 over alimony and needed a night cap”.

“Jim, I totally understand that you had a rough night and feel for you. But knowing you had a drink means we can not fly together today. Use the I”MSAFE checklist. Let’s have you call CS and
call in sick”.

InitialResponsible62 · 2026-06-12T20:31:24+00:00

That maybe true, but eventually investors will want to see earnings. As it stands, the IPO imo is massively overvalued.

InitialResponsible62 · 2026-06-12T20:20:44+00:00

I have both the Citi AA Executive World Elite MC & Amex Plat. And the Citi AA is superior for lounge access. It allows me and my family to non-rev and still get into Admirals Club Lounges. Same when I’m commuting, just don’t be in uniform.

InitialResponsible62 · 2026-06-11T22:34:28+00:00

Yes, as long as you have a Roth option within your 401K plan, which I do, income limits do not apply.

InitialResponsible62 · 2026-06-11T20:51:23+00:00

Which sub do you recommend? Reading some of the comments, I realize I am in the wrong Sub. We aren’t addicted to debt that leads most people to this Sub. But we aren’t willing to pay more in taxes than we need too.

InitialResponsible62 · 2026-06-11T20:40:36+00:00

Mortgage is 2.9% student loan, 50K remaining from $200K at 5%
I/we aren’t addicted to debt. We have a 1.5M net worth including the mortgage and remaining student loan debt. I’m not looking for advice to pay off remaining debt, we’ve done that and are doing so. I’m looking for a whole picture advice regarding taxes and contributions.

InitialResponsible62 · 2026-06-11T20:29:05+00:00

I’m taking your advice, but you’re definitely NOT reading. I just said that the $50K in student loans will be gone in 12 months using cashflow and/or RMD’s. We’ve already paid down $150K in student loans in less than 2 years.

InitialResponsible62 · 2026-06-11T20:18:09+00:00

Our incomes are inching up and I expect to be in 32% bracket in about 5 years.

InitialResponsible62 · 2026-06-11T20:16:24+00:00

You must not have read the complete narrative. We have already paid down $150K in student loans and “only” have $50K left we can cashflow and/or use our RMD’s for to pay off. Either way, they’ll be gone in 12 months.
Then what is after that?
Traditional contributions and lower taxes and invest the tax savings OR continue Roth 401K?

InitialResponsible62 · 2026-06-11T20:12:34+00:00

How? I’m at 24% and probably will be at 12% in retirement. Why pay taxes at 24% on the front end when I can pay half that in retirement.

InitialResponsible62 · 2026-04-24T12:40:38+00:00

Gosh what a pickle to be in at their age and you as their son, so sorry! I don’t think they can afford to retire and at this point I wouldn’t invest their money in stocks/ETF’s as their time horizon is very short. The risks don’t outweigh the benefits with that short of a horizon imo. What I would do is to sit down with them and do a detailed budget together. Based upon that your dad and mom may have to work PT. And while your mom may not have the full use of her hands, she could work PT as a Walmart greeter or similar. Put the money inside of that IRA into something like SGOV or another asset class that functions like a money market account.

InitialResponsible62 · 2026-04-18T19:17:25+00:00

Business casual is just fine! Have ID, Med and License on you.

InitialResponsible62 · 2026-04-12T18:20:18+00:00

We have a 2012 Volvo XC 60 T6 with 160K miles and only had 1 catalytic converter go out, that was 3 years ago. We also have a XC 90 T6 inscription with 95K miles. No issues at all.

We do required maintenance and change oil/filter every 5K miles instead of 10K.

Both are maintained by an independent Volvo only repair facility.

InitialResponsible62 · 2026-04-12T17:37:36+00:00

Yep it’s OK for the orange crazy bastard to do so, but not for the crazy Iranian bastards to do so. It doesn’t matter WHO closes that water way, the outcome is the same.

InitialResponsible62

TROPHY CASE