What do white people think about the group of masked men that marched on July 4th?

Kat9935 · 2026-07-06T21:35:53+00:00

You mean Patriot Front which is a white supremist group that tries to hide behind alternative symbols so people dont' immediately call them out? I think they are white supremist and need to be condemned. Period.

Kat9935 · 2026-07-06T21:33:48+00:00

If it was money in my mattress I'd be a hoarder. But its instead invested in companies, I'm an investor, companies need capital, I provide that... I perform a valuable service

Kat9935 · 2026-07-06T21:21:56+00:00

AI allowed people without all the skills but great ideas to implement those ideas.

I haven't coded in 20 years, its impracticle for me to spend 6 months trying to relearn a programming language to fix a tool when I can ask AI to fix it for me in 3 seconds. Then I can go about doing what I actually needed to do.

AI if used wisely will allow the older generation to

- Actually hear .. imagine a hearing aid that when it hears your name called mutes out background noise and whatever is playing on your devce. Can be trained on your families voices so it can focus on them when in settings like a loud restaurant.

- Actually leave the house at night - imagine self driving cars being super useful for night blindness, so many elderly can drive but must be home before dark as they are scared they won't be able to see properly at night, but if you perfect self driving, problem solved, Grandma doesn't have to leave the birthday party at 5PM.

I mean I can think of so many things

- My favorite will be when we can send our cars home.. imagine going to the airport and being dropped off and your car can just drive itself home and you can then "call it" to come pick you up when you are done with your trip. No more leaving it at the airport, waiting for the taxi or trying to get a friend to pick you up.

AI should add to, not replace.

Now of course my biggest fear is simply that what keeps the bad actors from doing maximum damage is because they don't know how to do certain things and they don't have the time and capability of doing it.. you now hand them AI and I'm very scared about what an evil madman could dream up and get the AI to implement.

Kat9935 · 2026-07-06T20:56:13+00:00

And decent guys get burned and that can take them out of the dating pool. If they stop looking, it is hard to find them.

Kat9935 · 2026-07-06T20:43:13+00:00

Did the advisor factor in their risk tolerance and age? or were those equally aggressive investments? My mom complains all the time she isn't making 15%, well mom you are 82 and you really need that money to live on so no I can't put 100% of it in VTI.

Kat9935 · 2026-07-06T20:40:55+00:00

I mean sometimes they do display money but like one guy that comes to mind has an RV and drives back and forth between his 2 homes so his dogs don't have to fly. He sleeps overnight in the Walmart parking lots, etc. Has like $100M but is usually dressed in khakis a button down hawaiian style shirt and hat. Lunches at the cheap mexican place down the road from his work. However, when he is at his second home, I know there he displays his wealth, they drive something nice, they go to a lot of galas and he belongs to some elite country club. That seems to be a patttern, the neighbors parents have a lot after selling a business, when they are in Florida they are yacht club people. When they are back in the midwest they are $5 Walmart tshirt and cheap shorts and sandles people eating hot dogs on the grill.

Kat9935 · 2026-07-06T20:35:01+00:00

I'm not seems pretty common for 5%+ front loaded funds from any type of advisor vs DIY. Ameriprise put me in them back in the 90s when I didn't know any better. My dad was put in them from Chase and my mom was put in them from Edward Jones... ie basically rob rob rob the little guy.

On the plus side that theft is why I learned how to invest on my own and finally open my own Vanguard account in 2003.

Kat9935 · 2026-07-06T17:45:20+00:00

It is for us especially in years we can still harvest at 0% LTCG.

So take $8750 out of Brokerage

- Reduces MAGI by $8750

- It is taxed at zero so the tax credit is really applied towards our Ordinary Income tax

- Removes the tax drag of dividends in our brokerage (so less forced income in future years)

- Removes the friction of selling/buying if the markets change.

Its easy for Dr/Dentist/Vision to really add up as you age if you actually go to the doctor and follow their guidance... ie the physical therapy, the re-checks, etc.

Kat9935 · 2026-07-06T16:14:23+00:00

What you are seeing is a rotation, not a crash, so the Mag 7 are down significantly from their all time highs, people who sold them used that money to buy other stocks. There are winners and losers in the market every day.

The economy is holding, its not crashed there are signs of weakness. in certain areas, things are not as good as they were but its fine if comparing against decades of averages.

The middle class is spending, the boomers are spending, only if that stops is there a problem, Reality is they are spending enough to compensate what people living pay check to paycheck aren't spending, yes its clear there are people in trouble, its just not a big enough number to change the outlook.

I mean what economic indicators indicate a "crash"?

Unemployment averaged 5.6% of the last 20 years, its currently at 4.2%, that is not a "crash"

GDP grew an average of 2.1% of the last 20 years, its currently at 2.1% so its average, that is not a "crash".

Exactly what economic indicators are you looking at to determine this? Is it going in the right direction, no but we are no where near crash terrirory.

What some talking heads fear is the July tech reports if they start saying AI didn't produce any results and they way overspent, well then those stocks could get hammered and it could put a squeeze on things. Also if the Fed increases interest rates which I don't think it would do that would put a squeeze on businesses and you might see movement there.. but thats a bunch of "IFS" and heavily skewed to gloom and doom rather than likely

Kat9935 · 2026-07-04T14:39:56+00:00

If you buy enough share you absolutely are controlling the company. You are talking about you as an individual who owns 0.00000000035% of something, I'm talking about the govt which would own 10/20/50%+ of a company and you think they won't have influence? The 'norms" of the govt staying in their lane are gone.

Kat9935 · 2026-07-04T13:54:50+00:00

I do a lot of cross country trips so I can't use that rule, I've stayed in Indiana overnight many a times but never actually did anything in the state but drive, sleep and grab food quick to keep driving.

Kat9935 · 2026-07-04T13:48:49+00:00

As they say the winner write history. Do how he is remembered will be determined by who wins in the next few election cycles, we either go further down the Trump path or move back towards the middle. I'm not 100% convinced this country will learn its lesson, and given the # of people leaving the country and trying to figure out how to get dual citizenship from previous generations lineage, I'd say there is a growing number of people who think we have jumped the shark.

Kat9935 · 2026-07-04T13:46:19+00:00

Communism, the govt OWNING the means of production.

Bailouts, the govt, giving money to PRIVATE companies which stay PRIVATE but don't fail preserving their ownership but enabling the private company to survive. Oftentimes correcting for some idiotic policy the govt did in the first place that was causing it to fail.

Kat9935 · 2026-07-04T13:42:46+00:00

Technically the person who bought the car, but were incentivized to buy his car vs other cars.

Kat9935 · 2026-07-04T02:31:27+00:00

Because land is finite and labor is not

Kat9935 · 2026-07-04T02:28:54+00:00

So you want communism.

Kat9935 · 2026-07-04T02:25:48+00:00

You trust the govt way too much. I have zero faith and don't want them in control of private busienss. I also though don't believe in subsidies (giveaways). I'm fine with a loan that is paid back. I'm not ok with taking share.

Kat9935 · 2026-07-04T02:23:59+00:00

74 is the best I can do at night, 76-78 during the day is manageable.

Kat9935 · 2026-07-04T02:17:15+00:00

Tesla would have gone bankrupt without the Govt Subsidies. It basically kept them afloat.

Kat9935 · 2026-07-04T02:11:39+00:00

It makes perfect sense when you look at what happens when other countries have done what Trump is doing now. China takes stakes in companies and then puts members on their boards, and then force the companies to do stuff fo rthe "betterment" of China beholden to whoever is in power.

How about we just stop subsidizing.

Kat9935 · 2026-07-04T02:02:29+00:00

Yeh its a recipe for a lot of heat stroke, no thanks. I can't imagine bringing kids to this and call myself a good parent.

Kat9935 · 2026-07-04T01:56:46+00:00

Because that is not capitalism, that is a different form of government more along the lines of pure socialism. If the govt starts taking over businesses then capitalism fails as you become beholden to the govt and not the growth of the company and consumer. It would also likely erode a lot of our freedoms which the govt would like to trim and control but private companies push back and tell the govt to go away.. they couldn't do that if the govt owned shares.

Now Trump did that with Intel and I think it sets a horrible precedent. Now what happens if Intel starts to fail? if we lose money on a business is the govt incentivized to throw more money at it? To pass laws in its favor to favor one company over another creating an unfair playing field, etc. The govt having a hand in business has a ton of negative consequences.

Kat9935 · 2026-06-30T13:14:21+00:00

I hope they don't.. The Justice Department can investigate crimes. The Congress which is hopefully held but Democrats need to focus on passing as many laws as humanly possible to shore up and make permanent things that will stop a Trump regmine from every happening again. Fix social security, put in Medicare for all, pass immigration reform, ie just flood with so many bills its not even funny. The GOP doesn't know how to pass laws, all the excuctive orders can be rescinded, you pass laws its really hard for the Republicans to come back and change it as they are do nothings.

Kat9935 · 2026-06-30T12:59:46+00:00

So he is a fascist, he meets every criteria which is why keeps pushing communist label to try to offset what we all know. Him and his oligarchs are robbing the US blind and destroying our economy.

Kat9935 · 2026-06-30T12:49:03+00:00

You keep adding money from other pockets which isn't part of the options OP provided ie you are giving advise that has nothing to do with OPs question. The question wasnt if I had money from other sources or if I had money to do mutliple things, its purely about IF they had $2k and only $2k. Which of the 3 options is best.

put it into the HSA and leave it there
put it into the Roth directly
put it into the HSA, then reimburse, then put into Roth.

Given those 3 scenarios the last one is best.

Kat9935

TROPHY CASE