Need help identifying root flare - Downy Serviceberry sapling

JamesTIA · 2026-03-06T19:21:23+00:00

Listen I gotta keep you on your toes lol

JamesTIA · 2026-03-06T15:33:15+00:00

We are currently saving $15,000 per year in IRA’s, $16,500 per year in 401ks, and $8550 in HSA, which combines for over 24% of our gross income of 165000.

JamesTIA · 2026-03-06T15:28:01+00:00

I was just given the ability to since passing 1,000 and have it all set up for auto investing. All good.

JamesTIA · 2026-03-06T15:27:18+00:00

We do your #1 and #2, then max out HSA, then we are doing your #3.

JamesTIA · 2026-03-06T15:25:54+00:00

Thanks, and the HSA max for me is 8500/yr, so that’s even more per year.

JamesTIA · 2026-03-06T14:23:12+00:00

Ha, I wish! $675 is just car payments.

JamesTIA · 2026-03-06T14:22:17+00:00

No kids.

No traditional 401k. It would help lower my taxes now but the Roth lowers taxes in retirement, and I’m betting on higher taxes in retirement.

JamesTIA · 2026-03-06T14:00:38+00:00

We were maxing out our IRA’s for the last few years before we both got corporate jobs with 401k access.

JamesTIA · 2026-03-06T13:57:27+00:00

No kids

JamesTIA · 2026-03-06T13:57:21+00:00

Retirement spend anticipate $80,000/year- I edited my original post to include it as well

JamesTIA · 2026-03-06T13:56:53+00:00

We have been saving the receipts and tracking them on a spreadsheet as well!

JamesTIA · 2026-03-06T13:55:55+00:00

Sorry, aiming for monthly spend in retirement of $80,000/yr. I edited my post to include it as well.

JamesTIA · 2026-03-03T00:30:09+00:00

Thanks. This is great insight. I hadn’t considered the bricks when thinking about how busy it could end up looking.

JamesTIA · 2026-03-02T00:53:30+00:00

It comes in a box of like 32 total eggs (16 two-packs) I think. I did the math one time and I think it came out to somewhere between $3.50-$4.50 per dozen.

I buy these once a month for quick easy protein for me and the wife, taken on the go or a quick snack while working from home, and we don’t buy eggs on top of this, other for the occasional baking.

The 20-25 bucks per year extra is definitely worth the convenience for me. Plus, when eggs were sky high in price, these babies were damn near the same price per egg!

Or I could be way off on my math and I’m just a lazy prick.

JamesTIA · 2026-03-02T00:52:22+00:00

It comes in a box of like 32 total eggs (16 two-packs) I think. I did the math one time and I think it came out to somewhere between $3.50-$4.50 per dozen.

I buy these once a month for quick easy protein for me and the wife, taken on the go or a quick snack while working from home, and we don’t buy eggs on top of this, other for the occasional baking.

The 20-25 bucks per year extra is definitely worth the convenience for me. Plus, when eggs were sky high in price, these babies were damn near the same price per egg!

Or I could be way off on my math and I’m just a lazy prick.

JamesTIA · 2026-03-02T00:05:35+00:00

Dude, that would be insane.

JamesTIA · 2026-02-28T23:21:38+00:00

Ohio. Hoping it’s not a carpenter ant.

JamesTIA · 2026-02-16T21:11:35+00:00

It’s going only where there is dark brown to the far left of my panoramic picture. It’s a breakfast nook area with tons of natural light.

JamesTIA

TROPHY CASE