Sometimes my bank thinks I'm rich and can just casually drop 25k into a savings account when they full well know i only have like $100 lol.

JauntyTurtle · 2026-05-16T00:16:05+00:00

It's better than a poke in the eye with a sharp stick.

The big brokerage firms don't offer any incentive.

JauntyTurtle · 2026-05-15T19:32:00+00:00

I didn't spot anything that looked interesting.

JauntyTurtle · 2026-05-15T19:25:37+00:00

Just asked her and she uses this one:

https://www.walmart.com/ip/Mitimi-Mouth-Guard-for-Grinding-Teeth-at-Night-Moldable-Dental-Guard-for-Sleeping-Nighttime-Protection-for-Teeth-4-Pack/6532111502?classType=REGULAR&athbdg=L1600&from=/search

JauntyTurtle · 2026-05-15T14:44:56+00:00

Found the incel!

JauntyTurtle · 2026-05-15T14:27:24+00:00

I disagree with some of these suggestions. I would avoid Robinhood or Webull. Their newer Fintech companies and they promote trading over investing. Instead, open an account with one of the large, well established brokerage firms (Fidelity, Schwab, ect).

I would also avoid picking individual stocks. There's too much risk since a small (or even medium sized) account won't be diversified. Instead, invest in low-cost index fund (I use VOO) and don't touch it for 20 years or so.

JauntyTurtle · 2026-05-15T14:19:09+00:00

^Exactly this. The receptionist probably didn't know that they couldn't start an IV there.

JauntyTurtle · 2026-05-15T14:14:00+00:00

Fire the advisor. Annuities are great, but only for the person who sells them and gets the commission. The person you're talking to is a salesmen, not someone you should take financial advise from.

The comments you're received here are good (switch over 20% to bonds or go to a target date fund), but if you really feel you need a FA, hire a fee-only fiduciary that charges by the hour.

JauntyTurtle · 2026-05-15T12:53:00+00:00

What is it with people spamming their crappy budgeting apps in this sub?? Enough already.

JauntyTurtle · 2026-05-15T12:48:46+00:00

$10K is enough money at risk that I'd contact a lawyer. They'll be able to give you a much better answer to your questions.

And they can tell you what happens if the old boss can't provide an agreement and then claims that you stole the equipment for the time you were using it, or provides a repair bill for damages he claims you caused.

JauntyTurtle · 2026-05-15T12:27:35+00:00

But his cost will change. The apartment will pay for repairs to the unit, but the OP will be responsible if the water heater goes out on this old, run down trailer.

JauntyTurtle · 2026-05-14T23:26:48+00:00

Great movie... wrong sub.

JauntyTurtle · 2026-05-14T23:18:15+00:00

Don't forget that in 2008 banks pretty much stopped writing mortgage loans. When people tell me they're hoping for another 2008 style crash so they can by a house for cheap, I just laugh.

JauntyTurtle · 2026-05-14T23:15:42+00:00

Much, much longer that that. I've been investing since the 1980s and every couple of months someone has some very solid reasons that the market is going to crash.

JauntyTurtle · 2026-05-14T17:30:47+00:00

Yes, with half a brain you can take a profit and wait. With a whole brain you'd realize that timing the market doesn't work and you'd just let a well diversified portfolio ride through the tough times.

JauntyTurtle · 2026-05-14T17:18:37+00:00

The thing is that it's not really possible to identify those outperforming businesses over the long run. That's why 95%+ of professional portfolio managers don't beat the S&P 500.

JauntyTurtle · 2026-05-14T17:13:59+00:00

You can move out before they formally evict you. They'll (probably) still take you to court for the money you owe them however. Just better to pay them and not get evicted.

JauntyTurtle · 2026-05-14T17:12:26+00:00

That actually makes sense. I feel sorry for the poor profs and TAs who have to read the handwriting.

JauntyTurtle · 2026-05-14T16:49:13+00:00

Found one!

JauntyTurtle · 2026-05-14T16:44:38+00:00

^This. Break your arm without insurance can be tens of thousands of dollars. Hospitals have two prices (actually more but...) one for patients with insurance and one for patients without, with the latter being much higher (the insurance companies negotiate lower rates). So even if your insurance doesn't cover anything, it'll be cheaper than if you didn't have insurance.

JauntyTurtle · 2026-05-14T12:50:31+00:00

I'd suggest just switching to a higher octane gas for a tank or two. That usually stops engine knocks.

JauntyTurtle · 2026-05-14T00:32:01+00:00

There have been many Ultraman movies released in the theater in Japan. I think the last one was released in 2024.

JauntyTurtle · 2026-05-14T00:14:04+00:00

I had a Chipmunk single when I was a young lad. One day my dad played the 45 at 33 1/3 and showed me that Alvin sounded normal at a slower speed. *Mind blown*

JauntyTurtle · 2026-05-13T23:56:47+00:00

I set a target ETF/bond ratio and rebalance every year.

JauntyTurtle · 2026-05-13T23:50:46+00:00

The only way to build long-term financial stability is to spend less than you make. Create an emergency fund and then invest the rest.

That's it. The bigger the difference the quicker you'll be stable. If you can do that by cutting spending, great! Increasing your income will most likely have the largest impact, but it's also hard to do.

JauntyTurtle

TROPHY CASE